Part 1
Examinador
Have you ever borrowed money from others?
Candidato
To individual person, I never bought, I'm never borrowed some money to individual person, but to bank, yes, absolutely, I borrowed some money, uh, particularly in a mortgage term.
Examinador
Have you ever lent money to others?
Candidato
Not really because I'm kind of reluctant to lend some money to other person such as my friends and also families, because it can bring it kind of bring it some troubles if they didn't, uh, repay the money.
Have you ever borrowed money from others?
Pontuação: 55.0Sugestão: Jawaban Anda kurang natural dan mengandung kesalahan tata bahasa serta penggunaan kata yang tidak tepat. Cobalah untuk membuat kalimat yang lebih sederhana dan langsung, serta gunakan kata-kata yang tepat seperti 'borrow' bukan 'bought'. Gunakan kalimat yang jelas dan singkat dengan struktur yang benar.
Exemplo: No, I have never borrowed money from individuals. However, I have borrowed money from a bank, especially for a mortgage loan.
Have you ever lent money to others?
Pontuação: 60.0Sugestão: Jawaban Anda agak bertele-tele dan ada pengulangan kata yang tidak perlu. Cobalah untuk membuat kalimat yang lebih ringkas dan jelas dengan menghindari pengulangan dan menggunakan kata penghubung yang tepat untuk membuat jawaban lebih koheren.
Exemplo: Not really, because I am reluctant to lend money to friends or family since it might cause problems if they cannot repay me.
× To individual person, I never bought, I'm never borrowed some money to individual person, but to bank, yes, absolutely, I borrowed some money, uh, particularly in a mortgage term.
✓ From an individual person, I have never borrowed money, but from a bank, yes, absolutely, I have borrowed some money, particularly in a mortgage term.
The preposition 'to' is incorrectly used when referring to borrowing money from someone; the correct preposition is 'from'. Also, 'bought' is incorrect in this context; the verb should be 'borrowed'. The sentence also needs proper tense and article usage for clarity.
× To individual person, I never bought, I'm never borrowed some money to individual person, but to bank, yes, absolutely, I borrowed some money, uh, particularly in a mortgage term.
✓ From an individual person, I have never borrowed money, but from a bank, yes, absolutely, I have borrowed some money, particularly in a mortgage term.
The sentence mixes past simple and present perfect tenses incorrectly. Since the question is about experience, present perfect tense ('have borrowed') is appropriate to indicate life experience.
× I'm never borrowed some money to individual person
✓ I have never borrowed any money from an individual person
The quantifier 'some' is generally used in affirmative sentences; in negative sentences, 'any' is more appropriate.
× but to bank, yes, absolutely, I borrowed some money
✓ but from a bank, yes, absolutely, I have borrowed some money
The preposition 'to' is incorrect when indicating the source of borrowing; 'from' should be used.
× particularly in a mortgage term
✓ particularly in a mortgage term
The phrase 'in a mortgage term' is acceptable, but 'term' might be better replaced with 'loan term' or 'mortgage period' for clarity. However, this is more about word choice than grammar.
× Not really because I'm kind of reluctant to lend some money to other person such as my friends and also families
✓ Not really, because I'm kind of reluctant to lend money to other people such as my friends and family
The singular 'person' is incorrect when referring to multiple people; it should be plural 'people'. Also, 'families' is plural but usually 'family' is used as a collective noun here.
× lend some money to other person such as my friends and also families
✓ lend money to other people such as my friends and family
The preposition 'to' is correct here, but the noun following it should be plural 'people' instead of singular 'person'.
× because it can bring it kind of bring it some troubles if they didn't, uh, repay the money.
✓ because it can bring some troubles if they don't repay the money.
The sentence has redundant words 'bring it kind of bring it' and incorrect tense 'didn't' which should be present tense 'don't' to match the conditional meaning.