1. The book is a loan, not a gift. 
   这本书是借来的，不是赠送的。
2. "The dictionary is a loan, not a gift." 
   ＂这本字典是借来的，不是赠送的。＂
3. 3. Claiming the income was acquired from a non-taxable source such as a loan or a gift (especially if the gift-giver lives overseas or is dead so is not available for cross-examination). 
   3.主张财产是通过免税途径取得的，比如贷款和赠与(尤其是当赠与人居住在海外或已经死亡从而不能被交叉质证)。
4. Home Purchase Loan Scheme 
   自置居所贷款计划。
5. Home Starter Loan Scheme 
   首次置业贷款计划。

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• 1. 无息贷款
  hard loan 严厉条件贷款; 条件苛刻的贷款; 需用硬通货偿还的贷款; .......gift loan 无息贷款...external loan 外债
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