TOPIK Practice – TOPIK I 어휘 [vocabulary] 1–5 (7/8/2026) – loans

정답: A. 필요해서

How to solve: The sentence states that a loan was taken from the bank. People take loans when they need money. Therefore, the most suitable word to fill the blank is '필요해서' (because I needed).

A — 필요해서 (because I needed) fits the context as people borrow money when they need it.

B — 많아서 (because I had a lot) is incorrect. If one has a lot of money, they wouldn't need a loan.

C — 좋아서 (because it was good) is incorrect. The reason for taking a loan is usually a necessity, not just because something is good.

D — 쉬워서 (because it was easy) is incorrect. While applying for a loan might be easy, it's not the primary reason for taking one.

정답: A. 빌렸

How to solve: The sentence describes getting money from the bank to buy a house. When you get money from a bank with the intention of returning it, it means you 'borrowed' it. Thus, '빌렸습니다' (borrowed) is the correct verb.

A — 빌렸습니다 (borrowed) is correct because the person obtained money from the bank with the obligation to repay it later.

B — 갚았습니다 (repaid) is incorrect. This refers to returning money that was previously borrowed, which doesn't fit the context of acquiring money for a house.

C — 모았습니다 (saved/collected) is incorrect. This means accumulating money, not getting it from a bank as a loan.

D — 보냈습니다 (sent) is incorrect. This refers to sending money to someone else, not receiving it as a loan.

정답: B. 갚아야

How to solve: The sentence talks about maintaining a good credit rating in relation to money borrowed from the bank. To maintain a good credit rating, borrowed money must be 'repaid' on time. Therefore, '갚아야' (must repay) is the appropriate word.

A — 찾아야 (must find/withdraw) is incorrect. Withdrawing money is not related to credit rating after borrowing.

B — 갚아야 (must repay) is correct. Repaying borrowed money on time is crucial for maintaining a good credit score.

C — 벌어야 (must earn) is incorrect. Earning money is how you get funds, but not directly what you do with borrowed money to keep good credit.

D — 써야 (must use/spend) is incorrect. Spending the money doesn't directly affect the credit rating in this context; repaying it does.

정답: B. 이자

How to solve: The sentence mentions paying '대출금' (loan principal) monthly and feeling burdened. When repaying a loan, you typically pay back the principal plus an additional charge for borrowing the money. This additional charge is called 'interest'. Thus, '이자' (interest) is the correct answer.

A — 원금 (principal) is incorrect. The sentence already mentions '대출금' which refers to the principal amount of the loan, so it would be redundant and illogical to pay principal along with principal again.

B — 이자 (interest) is correct. When repaying a loan, borrowers typically pay the principal amount plus interest, which often adds to the burden.

C — 기간 (period) is incorrect. '기간' refers to a length of time, not something you pay.

D — 금액 (amount) is incorrect. '금액' is a general term for an amount of money, but '이자' is the specific term for the extra payment on a loan.

정답: A. 신청

How to solve: The sentence describes the action taken at a bank to get a car loan. When you want to get a loan, you formally ask for it, which is called 'applying'. Therefore, '신청했습니다' (applied) is the suitable verb.

A — 신청했습니다 (applied) is correct. You 'apply' for a loan at a bank.

B — 사용했습니다 (used) is incorrect. You use the loan money after it's granted, not 'use' the loan itself at the bank as an action to get it.

C — 준비했습니다 (prepared) is incorrect. While preparation is involved, '준비하다' itself doesn't mean to formally request the loan.

D — 예약했습니다 (reserved) is incorrect. You 'reserve' a seat or a room, not a loan.