repayment
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repayment
The process of paying back borrowed money or a debt to the creditor.
Die Rückzahlung des Kredits erfolgt in monatlichen Raten über zehn Jahre.
The repayment of the loan is made in monthly installments over ten years.
This word is made up of 'Rück-' (back) and 'Zahlung' (payment). So it literally describes a payment that one gives back.
Die Bank verlangt eine sofortige Rückzahlung der gesamten Summe.
The bank is demanding immediate repayment of the entire amount.
The noun 'die Rückzahlung' (the repayment) belongs to the separable verb 'zurückzahlen' (to pay back). The noun describes the action expressed by the verb.
Er muss seinen Kredit bis Ende des Jahres zurückzahlen.
He has to pay back his loan by the end of the year.
Common combinations relate to finances. One speaks of the 'Rückzahlung eines Kredits' (repayment of a loan), 'eines Darlehens' (of a loan), or 'der Schulden' (of the debts). Typical verbs are 'eine Rückzahlung leisten' (to make a repayment) or 'fordern' (to demand).
Die monatliche Rückzahlung für das Haus ist ziemlich hoch.
The monthly repayment for the house is quite high.
payment
'die Zahlung' and 'die Rückzahlung' both describe money being given. The difference lies in the direction and the reason. 'Zahlung' is general: you pay an invoice, for goods, or for a service. Use 'Rückzahlung' when money is paid back, for example with a loan, a debt, or borrowed money. So every repayment can be seen as a type of payment, but not every payment is a repayment. There is a particular risk of confusion with debts: when you pay an invoice, you usually say 'Zahlung'; when you pay back borrowed money, you say 'Rückzahlung'.
Die Rückzahlung des geliehenen Geldes beginnt im nächsten Monat.
The repayment of the borrowed money begins next month.
Nach der Reparatur bittet die Werkstatt um Zahlung innerhalb von zehn Tagen.
After the repair, the garage asks for payment within ten days.