---
title: Buy now pay later splits a purchase into instalments; it is still bo… — Borrowing and debt · tree and pragmatics
description: Buy now pay later splits a purchase into instalments; it is still borrowing, with charges if a payment is late. Who acts: purchase, payment. A sentence of the lesson «Borrowing and debt» of the adult life course of Mova's primary school with its dependency tree and the pragmatics of every clause.
---

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# Borrowing and debt, sentence 17

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Buy now pay later splits a purchase into instalments; it is still borrowing, with charges if a payment is late.

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**Who acts:** purchase, payment · **What happens:** buy, pay, split, borrow, be · **To what, where:** purchase, instalments

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This is a sentence of the lesson «Borrowing and debt» of the adult life course of Mova's primary school. The page gives its syntax tree — a dependency tree in the style of Universal Dependencies — and its pragmatics clause by clause: who acts (purchase, payment), what happens, when and where, as Mova's frames read it from the tree.

## The tree {#tree}

```conllu
# sent_id = school:adult-life:008-borrowing-and-debt.lesson:17
# text = Buy now pay later splits a purchase into instalments; it is still borrowing, with charges if a payment is late.
# source = school lesson (ours)
# course = adult-life
# lesson = 008-borrowing-and-debt.lesson
# annotation = Mova annot: Rust (en) → Haiku 5.5 (medium, Batches API) patches; gates UD 2.18; agreed by treeagree rules (Stanza, Trankit, spaCy trf): no change
1	Buy	buy	VERB	VB	Mood=Imp|VerbForm=Fin	5	nsubj	_	_
2	now	now	ADV	RB	_	1	advmod	_	_
3	pay	pay	VERB	VB	VerbForm=Inf	1	conj	_	_
4	later	late	ADV	RBR	Degree=Cmp	3	advmod	_	_
5	splits	split	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
6	a	a	DET	DT	Definite=Ind|PronType=Art	7	det	_	_
7	purchase	purchase	NOUN	NN	Number=Sing	5	obj	_	_
8	into	into	ADP	IN	_	9	case	_	_
9	instalments	instalment	NOUN	NNS	Number=Plur	5	obl	_	_
10	;	;	PUNCT	,	_	14	punct	_	_
11	it	it	PRON	PRP	Case=Nom|Gender=Neut|Number=Sing|Person=3|PronType=Prs	14	nsubj	_	_
12	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	14	aux	_	_
13	still	still	ADV	RB	_	14	advmod	_	_
14	borrowing	borrow	VERB	VBG	Tense=Pres|VerbForm=Part	5	parataxis	_	_
15	,	,	PUNCT	,	_	17	punct	_	_
16	with	with	ADP	IN	_	17	case	_	_
17	charges	charge	NOUN	NNS	Number=Plur	14	obl	_	_
18	if	if	SCONJ	IN	_	22	mark	_	_
19	a	a	DET	DT	Definite=Ind|PronType=Art	20	det	_	_
20	payment	payment	NOUN	NN	Number=Sing	22	nsubj	_	_
21	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	22	cop	_	_
22	late	late	ADJ	JJ	Degree=Pos	14	advcl	_	_
23	.	.	PUNCT	.	_	5	punct	_	_
```

## Pragmatics {#pragmatics}

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No stored speech act for this sentence.

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| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **buy** | infinitive |  |  |  |  | now |  | vn accept-77.1 «NP V how S»: agent=Agent |
| 2 | **pay** | infinitive |  |  |  |  |  | late *property* | vn pay-68-1 «NP V NP»: agent=Agent |
| 3 | **split** | present |  | a purchase |  |  |  | into instalments *result* | vn break-45.1 «NP V NP PP.result»: agent=Agent purchase=Patient into instalment=Result |
| 4 | **borrow** | present · progressive | purchase |  |  |  | still | with charges | vn obtain-13.5.2 «NP V NP»: agent=Agent |
| 5 | **is** *a condition, not said to happen* | present | a payment |  |  |  |  | late *property* | tree rules |

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One row per clause the reader finds. «not said here»: a role filled from the clause above. «roles by»: a VerbNet class and frame when one fits the verb, else the reader's rules on the tree.

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**Licence: [CC BY-SA 4.0](https://creativecommons.org/licenses/by-sa/4.0/)**, as the whole of Mova corpus 0.4, of which this treebank (the agreed school, `mova-school-agreed-en.conllu`) is part. The lessons were written for Mova's primary school. Sentence `school:adult-life:008-borrowing-and-debt.lesson:17`.

**The tree:** Mova annot: Rust (en) → Haiku 5.5 (medium, Batches API) patches; gates UD 2.18; agreed by treeagree rules (Stanza, Trankit, spaCy trf): no change. **The frames** are read from the tree by Mova's frames reader (`prag`) when this page is built, the lesson read in order, so a pronoun may be resolved from an earlier sentence.

See the [release 0.4](https://md.mova.elamur.ai/free/en/releases/0.4/).

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- ← previous: [Borrowing and debt, 16](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/8-borrowing-and-debt/16/)
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