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债 (zhài) is commonly used to refer to a debt or loan. For example, one might say 他欠了很多债 (tā qiànle hěnduō zhài) meaning "He owes a lot of debt". It can also be used to refer to a debt of gratitude, such as 他欠我一个债 (tā qiàn wǒ yīgè zhài) meaning "He owes me a debt of gratitude".
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Synonyms:
贷款 (dàikuǎn): loan
负债 (fùzhài): debt
借款 (jièkuǎn): loan
Antonyms:
还款 (huánkuǎn): repayment
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