欠 (qiàn): nợ phải

When I bought a phone last month, I borrowed 2,000 yuan from a friend and still haven't paid it back; I always feel I owe him a favor.

The owner of this small restaurant said business has been bad lately and he already owes the landlord three months' rent; if things continue like this, he'll have to close down.

He promised to help me take care of my puppy for a week, but only did it for two days before bringing it back; I feel he owes me an apology.

In order to treat his mother's illness, he borrowed a lot of money from relatives and now works overtime every day, hoping to pay off the debt as soon as possible.

When I was little, my family was poor and my parents owed the bank quite a lot in loans, so after I started working I've always been careful to save money.