欠 (qiàn) means “to owe; to lack; (literary) to be deficient in; (bound form) yawn; to raise slightly (a part of one's body)”. It is an HSK 5 Chinese character in the HSK 3.0 vocabulary.
他欠了银行很多钱。
Tā qiàn le yínháng hěnduō qián.
He owes the bank a lot of money.
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