To lend or to borrow?

To lend or to borrow:
Much confusion exists between the two verbs ‘to borrow’ and ‘to lend’ during our Skype English classes. You borrow from somebody or some organisation (ie you borrow when you receive for a temporary amount of time) and that person or organisation lends to you (you lend when you give temporarily). For example, with a mortgage, the bank lends or gives you money temporarily and the house buyer borrows or receives the money from the bank but in the majority of cases the money has to be returned. .
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