gau2 ceot1 sap6 saam1 gwai1九出十三歸九出十三归

Jyutpinggau2 ceot1 sap6 saam1 gwai1

Yalegáu chēut sahp sāam gwāi

名詞

Definition

A loan shark practice where a borrower receives only 90 percent of the principal but must repay 130 percent.

colloquialmoney

How it's used

Refers specifically to the predatory interest rates charged by illegal moneylenders. It describes a system where the borrower receives only ninety percent of the principal amount but is obligated to repay the full amount plus a significant premium. The term is deeply associated with the underworld and high risk financial situations.

Examples

keoi5佢ze3借cin2錢go2嗰zan6陣gau2九ceot1出sap6十saam1三gwai1歸，zan1真hai6係hou2好gwai3貴。

He borrowed money under the nine-out-thirteen-in rule, it is really expensive.

nei5你zi1知m4唔zi1知me1咩giu3叫gau2九ceot1出sap6十saam1三gwai1歸aa3呀？

Do you know what nine-out-thirteen-in means?

Common phrases

ze3借cin2錢gau2九ceot1出sap6十saam1三gwai1歸

borrowing money with a nine-out-thirteen-in interest rate

Common mistake

Do not use this term to describe standard bank loans or legitimate interest rates. It carries a strong negative connotation of exploitation and illegal activity.