{"id":8081,"date":"2025-04-17T09:58:02","date_gmt":"2025-04-17T02:58:02","guid":{"rendered":"https:\/\/smartcom.vn\/blog\/?p=8081"},"modified":"2025-10-01T10:00:48","modified_gmt":"2025-10-01T03:00:48","slug":"ielts-speaking-borrowing-and-lending","status":"publish","type":"post","link":"https:\/\/smartcom.vn\/blog\/ielts-speaking-borrowing-and-lending\/","title":{"rendered":"IELTS speaking borrowing and lending"},"content":{"rendered":"\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-left kksr-valign-top\"\n    data-payload='{&quot;align&quot;:&quot;left&quot;,&quot;id&quot;:&quot;8081&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;top&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;5&quot;,&quot;greet&quot;:&quot;Rate this post&quot;,&quot;legend&quot;:&quot;0\\\/5 - (0 b\\u00ecnh ch\\u1ecdn)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;title&quot;:&quot;IELTS speaking borrowing and lending&quot;,&quot;width&quot;:&quot;0&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 0px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 19.2px;\">\n            <span class=\"kksr-muted\">Rate this post<\/span>\n    <\/div>\n    <\/div>\n<p style=\"text-align: justify;\"><i>N\u00f3i v\u1ec1 m\u0169, n\u00f3n th\u00ec h\u1eb3n \u0111\u00e2y l\u00e0 ch\u1ee7 \u0111\u1ec1 ta th\u01b0\u1eddng hay b\u1eaft g\u1eb7p trong IELTS Speaking. M\u0169 n\u00f3n ngo\u00e0i vi\u1ec7c che n\u1eafng che m\u01b0a th\u00ec c\u00f2n mang \u00fd ngh\u0129a cho \u0111\u1eb7c tr\u01b0ng cho v\u0103n h\u00f3a nh\u01b0 n\u00f3n l\u00e1 Vi\u1ec7t Nam v\u1eady.<\/i><\/p>\n<p style=\"text-align: justify;\"><i>C\u0169ng c\u00f3 nh\u1eefng b\u1ea1n v\u00f4 c\u00f9ng y\u00eau th\u00edch n\u00f3n l\u00e1, mu\u1ed1n \u0111\u01b0a n\u00f3n l\u00e1 ra th\u1ebf gi\u1edbi nh\u01b0ng l\u1ea1i ch\u1eb3ng bi\u1ebft l\u00e0m sao \u0111\u1ec3 giao ti\u1ebfp cho chu\u1ea9n x\u00e1c. \u0110\u1ea5y th\u1eadt s\u1ef1 l\u00e0 m\u1ed9t \u0111i\u1ec1u kh\u00e1 nu\u1ed1i ti\u1ebfc.<\/i><\/p>\n<p style=\"text-align: justify;\"><i>Qua \u0111\u00e2y, Smartcom s\u1ebd \u0111\u1ed3ng h\u00e0nh c\u00f9ng c\u00e1c b\u1ea1n trong vi\u1ec7c truy\u1ec1n t\u1ea3i h\u00ecnh \u1ea3nh m\u0169 n\u00f3n n\u00f3i chung v\u00e0 n\u00f3n l\u00e1 Vi\u1ec7t Nam n\u00f3i ri\u00eang qua b\u00e0i vi\u1ebft v\u1ec1 ch\u1ee7 \u0111\u1ec1\u00a0<a href=\"https:\/\/smartcom.vn\/blog\/ielts-speaking-borrowing-and-lending\/\" target=\"_blank\" rel=\"noopener\"><b>IELTS speaking borrowing and lending<\/b><\/a>\u00a0d\u01b0\u1edbi \u0111\u00e2y nh\u00e9!<\/i><\/p>\n<p style=\"text-align: justify;\"><i><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-8583 size-full\" title=\"Ielts Speaking Borrowing And Lending\" src=\"https:\/\/smartcom.vn\/blog\/wp-content\/uploads\/2025\/04\/ielts-speaking-borrowing-and-lending.png\" alt=\"Ielts Speaking Borrowing And Lending\" width=\"1920\" height=\"1080\" srcset=\"https:\/\/smartcom.vn\/blog\/wp-content\/uploads\/2025\/04\/ielts-speaking-borrowing-and-lending.png 1920w, https:\/\/smartcom.vn\/blog\/wp-content\/uploads\/2025\/04\/ielts-speaking-borrowing-and-lending-300x169.png 300w, https:\/\/smartcom.vn\/blog\/wp-content\/uploads\/2025\/04\/ielts-speaking-borrowing-and-lending-1024x576.png 1024w, https:\/\/smartcom.vn\/blog\/wp-content\/uploads\/2025\/04\/ielts-speaking-borrowing-and-lending-768x432.png 768w, https:\/\/smartcom.vn\/blog\/wp-content\/uploads\/2025\/04\/ielts-speaking-borrowing-and-lending-1536x864.png 1536w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\" \/><\/i><\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Tu_vung_chu_de_IELTS_Borrowing_and_Lending\"><\/span><span style=\"color: #29185f;\"><strong>T\u1eeb v\u1ef1ng ch\u1ee7 \u0111\u1ec1 IELTS Borrowing and Lending<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul style=\"text-align: justify;\">\n<li>Borrow (v): m\u01b0\u1ee3n &#8211; Borrow from (sb)<\/li>\n<li>Lend (v): cho m\u01b0\u1ee3n &#8211; Lend (sth) to (sb)<\/li>\n<li>Loan (n\/v): kho\u1ea3n vay \/ cho vay<\/li>\n<li>Repay (v): tr\u1ea3 l\u1ea1i (ti\u1ec1n, \u0111\u1ed3 m\u01b0\u1ee3n)<\/li>\n<li>Owe (v): n\u1ee3<\/li>\n<li>Return (v): tr\u1ea3 l\u1ea1i<\/li>\n<li>Take out a loan (phrase): vay ti\u1ec1n<\/li>\n<li>Pay off a debt (phrase): tr\u1ea3 h\u1ebft n\u1ee3<\/li>\n<li>Financial difficulties (n): kh\u00f3 kh\u0103n t\u00e0i ch\u00ednh<\/li>\n<li>Bank loan (n): kho\u1ea3n vay ng\u00e2n h\u00e0ng<\/li>\n<li>Interest rate (n): l\u00e3i su\u1ea5t<\/li>\n<li>Generous (adj): h\u00e0o ph\u00f3ng<\/li>\n<li>Reluctant (adj): mi\u1ec5n c\u01b0\u1ee1ng<\/li>\n<li>Trust (n\/v): s\u1ef1 tin t\u01b0\u1edfng \/ tin t\u01b0\u1edfng<\/li>\n<li>Risky (adj): r\u1ee7i ro<\/li>\n<li>Reliable (adj): \u0111\u00e1ng tin c\u1eady<\/li>\n<li>Irresponsible (adj): v\u00f4 tr\u00e1ch nhi\u1ec7m<\/li>\n<li>Take advantage of (phrase): l\u1ee3i d\u1ee5ng<\/li>\n<li>Friendship at stake (phrase): t\u00ecnh b\u1ea1n g\u1eb7p r\u1ee7i ro<\/li>\n<li>Financial burden (n): g\u00e1nh n\u1eb7ng t\u00e0i ch\u00ednh<\/li>\n<li>Obligation (n): ngh\u0129a v\u1ee5<\/li>\n<li>Debt collector (n): ng\u01b0\u1eddi thu h\u1ed3i n\u1ee3<\/li>\n<li>Bankruptcy (n): ph\u00e1 s\u1ea3n<\/li>\n<li>Run out of money (phrase): h\u1ebft ti\u1ec1n<\/li>\n<li>Save up for (sth) (v): ti\u1ebft ki\u1ec7m ti\u1ec1n cho m\u1ee5c \u0111\u00edch g\u00ec \u0111\u00f3<\/li>\n<li>Get into debt (phrase): m\u1eafc n\u1ee3<\/li>\n<li>Give back (v): tr\u1ea3 l\u1ea1i \u0111\u1ed3 \u0111\u00e3 m\u01b0\u1ee3n<\/li>\n<li>Take back (v): l\u1ea5y l\u1ea1i \u0111\u1ed3 \u0111\u00e3 cho m\u01b0\u1ee3n<\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-8585 size-full\" title=\"t\u1eeb v\u1ef1ng Ielts Speaking Borrowing And Lending\" src=\"https:\/\/smartcom.vn\/blog\/wp-content\/uploads\/2025\/04\/tu-vung-ielts-speaking-borrowing-and-lending.jpg\" alt=\"t\u1eeb v\u1ef1ng Ielts Speaking Borrowing And Lending\" width=\"800\" height=\"500\" srcset=\"https:\/\/smartcom.vn\/blog\/wp-content\/uploads\/2025\/04\/tu-vung-ielts-speaking-borrowing-and-lending.jpg 800w, https:\/\/smartcom.vn\/blog\/wp-content\/uploads\/2025\/04\/tu-vung-ielts-speaking-borrowing-and-lending-300x188.jpg 300w, https:\/\/smartcom.vn\/blog\/wp-content\/uploads\/2025\/04\/tu-vung-ielts-speaking-borrowing-and-lending-768x480.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Bai_mau_IELTS_Speaking_Part_1_chu_de_Caps\"><\/span><span style=\"color: #29185f;\">B\u00e0i m\u1eabu IELTS Speaking Part 1 ch\u1ee7 \u0111\u1ec1 Caps<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><b>C\u00e2u h\u1ecfi: Do you like borrowing things from others?<\/b><\/p>\n<p style=\"text-align: justify;\">I don\u2019t really like borrowing things unless it\u2019s absolutely necessary. I prefer to have my own stuff, but in some cases, borrowing is a convenient solution, especially for things I don\u2019t use often, like books or tools.<\/p>\n<p style=\"text-align: justify;\"><b>C\u00e2u h\u1ecfi: Have you ever borrowed money from someone?<\/b><\/p>\n<p style=\"text-align: justify;\">Yes, I once borrowed money from a close friend when I had an unexpected expense. It was around a month ago. Now I have paid my debt completely and thinking about the time, I tried my best to repay as quickly as possible because I don\u2019t want money to affect friendships.<\/p>\n<p style=\"text-align: justify;\"><b>C\u00e2u h\u1ecfi: Do you usually lend things to others?<\/b><\/p>\n<p style=\"text-align: justify;\">It depends on what they ask for. I don\u2019t mind lending books or small things, but when it comes to money or valuable items, I think twice before saying yes. Like last time when one of my friends was asking for a large amount of money, I turned him down as it was suspicious.<\/p>\n<p style=\"text-align: justify;\"><b>C\u00e2u h\u1ecfi: How do you feel when someone doesn\u2019t return what they borrowed from you?<\/b><\/p>\n<p style=\"text-align: justify;\">It\u2019s quite frustrating, especially if it\u2019s something valuable. If someone doesn\u2019t return my stuff, the first thing that comes to my mind is irresponsibility of that person and I will hesitate to lend them anything in the future.<\/p>\n<p style=\"text-align: justify;\"><b>C\u00e2u h\u1ecfi: Have you ever borrowed a book from someone?<\/b><\/p>\n<p style=\"text-align: justify;\">Yes, I have. I remember borrowing a novel from my friend because I was really interested in it but didn\u2019t want to buy it at the time. It was a great read, and I made sure to return it in perfect condition and in time for him to read as well.<\/p>\n<p style=\"text-align: justify;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-8586 size-full\" title=\"b\u00e0i m\u1eabu Ielts Speaking Borrowing And Lending\" src=\"https:\/\/smartcom.vn\/blog\/wp-content\/uploads\/2025\/04\/bai-mau-ielts-speaking-borrowing-and-lending.jpg\" alt=\"b\u00e0i m\u1eabu Ielts Speaking Borrowing And Lending\" width=\"800\" height=\"500\" srcset=\"https:\/\/smartcom.vn\/blog\/wp-content\/uploads\/2025\/04\/bai-mau-ielts-speaking-borrowing-and-lending.jpg 800w, https:\/\/smartcom.vn\/blog\/wp-content\/uploads\/2025\/04\/bai-mau-ielts-speaking-borrowing-and-lending-300x188.jpg 300w, https:\/\/smartcom.vn\/blog\/wp-content\/uploads\/2025\/04\/bai-mau-ielts-speaking-borrowing-and-lending-768x480.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Bai_mau_IELTS_Speaking_Part_2_chu_de_Borrowing_and_Lending\"><\/span><strong>B\u00e0i m\u1eabu IELTS Speaking Part 2 ch\u1ee7 \u0111\u1ec1 Borrowing and Lending<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">\u0110\u1ec1 b\u00e0i: Describe a time when you borrowed something from someone<\/p>\n<p style=\"text-align: justify;\">You should say:<\/p>\n<ul style=\"text-align: justify;\">\n<li>What you borrowed<\/li>\n<li>Who you borrowed it from<\/li>\n<li>Why you borrowed it<\/li>\n<li>And explain how you felt about it<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">A few months ago, I had to borrow a laptop from my cousin because mine suddenly stopped working. It was an unexpected situation, and I needed a laptop urgently for an important online meeting. At first, I considered going to a caf\u00e9 and using a public computer, but since I needed privacy and a stable internet connection, borrowing one seemed like the best option.<\/p>\n<p style=\"text-align: justify;\">Luckily, my cousin had a spare laptop that he wasn\u2019t using at the time. He was kind enough to lend it to me for a few days without hesitation. I remember feeling quite relieved because replacing or repairing my laptop would have taken a long time, and I couldn\u2019t afford to miss my meeting. While using his laptop, I was extra careful not to damage it in any way. I even cleaned it before returning it as a small gesture of appreciation.<\/p>\n<p style=\"text-align: justify;\">This experience made me realize how important it is to have supportive people around. It also taught me to be prepared for unexpected situations by having backup plans. Since then, I\u2019ve started saving up for a new laptop to avoid similar problems in the future. Overall, borrowing something when needed can be a lifesaver, but it\u2019s equally important to respect and take care of what we borrow.<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Bai_mau_IELTS_Speaking_Part_3_chu_de_Borrowing_and_Lending\"><\/span><span style=\"color: #29185f;\"><strong>B\u00e0i m\u1eabu IELTS Speaking Part 3 ch\u1ee7 \u0111\u1ec1 Borrowing and Lending<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><b>C\u00e2u h\u1ecfi: Why do people borrow things instead of buying them?<\/b><\/p>\n<p style=\"text-align: justify;\">People often borrow things instead of buying them because it\u2019s more economical, especially for items they only need temporarily. For example, borrowing a book instead of purchasing it makes sense if someone doesn\u2019t plan to reread it. Additionally, some people may not have the financial means to buy certain items, so borrowing becomes a practical solution.<\/p>\n<p style=\"text-align: justify;\"><b>C\u00e2u h\u1ecfi: Do you think borrowing money from friends is a good idea?<\/b><\/p>\n<p style=\"text-align: justify;\">I think borrowing money from friends can be risky. On one hand, it\u2019s convenient because friends might not charge interest like banks do. However, if the borrower fails to pay back on time, it could harm the friendship. That\u2019s why I believe it\u2019s important to set clear expectations and borrow only when absolutely necessary.<\/p>\n<p style=\"text-align: justify;\"><b>C\u00e2u h\u1ecfi: Why do some people not like lending things to others?<\/b><\/p>\n<p style=\"text-align: justify;\">Some people are hesitant to lend things because they\u2019ve had bad experiences in the past. For example, if someone borrowed something and returned it damaged or never gave it back, the lender might become more cautious in the future. Additionally, some items have sentimental or financial value, making people less willing to risk losing them.<\/p>\n<p style=\"text-align: justify;\"><b>C\u00e2u h\u1ecfi: Do you think technology has changed the way people borrow and lend things?<\/b><\/p>\n<p style=\"text-align: justify;\">Definitely! With technology, borrowing and lending have become much easier. Nowadays, people can rent almost anything through apps, from cars to clothes. There are also online platforms where people can lend and borrow money safely, reducing the risks involved. Technology has made the process more convenient and efficient.<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Tong_Ket\"><\/span><span style=\"color: #29185f;\"><strong>T\u1ed5ng K\u1ebft<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">Tr\u00ean \u0111\u00e2y l\u00e0 b\u1ed9 t\u1eeb v\u1ef1ng c\u0169ng nh\u01b0 c\u00e2u h\u1ecfi s\u1ebd xu\u1ea5t hi\u1ec7n trong IELTS Speaking borrowing and lending! Mong r\u1eb1ng b\u00e0i vi\u1ebft s\u1ebd h\u1eefu \u00edch cho c\u00e1c b\u1ea1n trong qu\u00e1 tr\u00ecnh c\u00e1c b\u1ea1n giao ti\u1ebfp c\u0169ng nh\u01b0 chinh ph\u1ee5c k\u1ef3 thi IELTS nh\u00e9!<\/p>\n<p style=\"text-align: justify;\">Ngo\u00e0i ra c\u00e1c ch\u1ee7 \u0111\u1ec1 kh\u00e1c c\u0169ng s\u1ebd \u0111\u01b0\u1ee3c c\u1eadp nh\u1eadt th\u01b0\u1eddng xuy\u00ean, nh\u1eb1m gi\u00fap c\u00e1c b\u1ea1n t\u1ef1 tin chu\u1ea9n b\u1ecb \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng c\u00e2u h\u1ecfi v\u00e0 \u0111\u1ec1 thi kh\u00e1c nhau trong IELTS.<\/p>\n<p style=\"text-align: justify;\">C\u00e1c b\u1ea1n h\u00e3y c\u1ed1 g\u1eafng theo d\u00f5i li\u00ean t\u1ee5c \u0111\u1ec3 nh\u1eadn v\u1ec1 nh\u1eefng b\u1ed9 c\u00e2u h\u1ecfi v\u00e0 t\u1eeb v\u1ef1ng m\u1edbi nh\u1ea5t \u0111\u1ec3 t\u1ed1i \u01b0u \u0111\u01b0\u1ee3c vi\u1ec7c h\u1ecdc c\u1ee7a b\u1ea3n th\u00e2n nh\u00e9. H\u1eb9n g\u1eb7p c\u00e1c b\u1ea1n t\u1ea1i nh\u1eefng b\u00e0i vi\u1ebft ti\u1ebfp theo!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>N\u00f3i v\u1ec1 m\u0169, n\u00f3n th\u00ec h\u1eb3n \u0111\u00e2y l\u00e0 ch\u1ee7 \u0111\u1ec1 ta th\u01b0\u1eddng hay b\u1eaft g\u1eb7p trong IELTS Speaking. M\u0169 n\u00f3n ngo\u00e0i vi\u1ec7c che n\u1eafng che m\u01b0a th\u00ec c\u00f2n mang \u00fd ngh\u0129a cho \u0111\u1eb7c tr\u01b0ng cho v\u0103n h\u00f3a nh\u01b0 n\u00f3n l\u00e1 Vi\u1ec7t Nam v\u1eady. C\u0169ng c\u00f3 nh\u1eefng b\u1ea1n v\u00f4 c\u00f9ng y\u00eau th\u00edch n\u00f3n l\u00e1, mu\u1ed1n \u0111\u01b0a [&hellip;]<\/p>\n","protected":false},"author":20,"featured_media":8583,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":["post-8081","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ielts-speaking"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ielts Speaking Borrowing And Lending Ch\u1ee7 \u0110\u1ec1 Part 1,2,3<\/title>\n<meta name=\"description\" content=\"B\u00e0i vi\u1ebft sau \u0111\u00e2y s\u1ebd gi\u1edbi thi\u1ec7u \u0111\u1ebfn ng\u01b0\u1eddi \u0111\u1ecdc m\u1ed9t s\u1ed1 t\u1eeb v\u1ef1ng v\u00e0 nh\u1eefng c\u00e2u tr\u1ea3 l\u1eddi m\u1eabu li\u00ean quan \u0111\u1ebfn ielts speaking borrowing and lending\" 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