贷 贷 dài Strokes9 Radical 贝 — sea shell Made of 代 era, generation 贝 sea shell How it's builtPhono-semantic — one part hints at the meaning, another at the sound Play the animation More about the character 贷
款 款 kuǎn Strokes12 Radical 欠 — to lack, to owe How it's builtPhono-semantic — one part hints at the meaning, another at the sound Play the animation More about the character 款