---
title: Buy now pay later splits a price into instalments, like £400 as 10 ×… — Debt, loans, credit cards and interest · tree and pragmatics
description: Buy now pay later splits a price into instalments, like £400 as 10 × £40; it is still borrowing, and missed payments can bring fees. Who acts: price, missed payments. A sentence of the lesson «Debt, loans, credit cards and interest» of the money course of Mova's primary school with its dependency tr
---

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# Debt, loans, credit cards and interest, sentence 10

<!-- .ven lang=en -->
Buy now pay later splits a price into instalments, like £400 as 10 × £40; it is still borrowing, and missed payments can bring fees.

<!-- .vintro -->
**Who acts:** price, missed payments · **What happens:** buy, pay, split, borrow, miss, bring · **To what, where:** price, instalments, fees

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This is a sentence of the lesson «Debt, loans, credit cards and interest» of the money 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 (price, missed payments), what happens, when and where, as Mova's frames read it from the tree.

## The tree {#tree}

```conllu
# sent_id = school:money:024-debt-loans-credit-cards-and-interest.lesson:10
# text = Buy now pay later splits a price into instalments, like £400 as 10 × £40; it is still borrowing, and missed payments can bring fees.
# source = school lesson (ours)
# course = money
# lesson = 024-debt-loans-credit-cards-and-interest.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): R5-strong ×1, R7-rel-agree ×2, R8-pos-agree ×1
1	Buy	buy	VERB	VB	Mood=Imp|VerbForm=Fin	5	csubj	_	Agree=R7-rel-agree|Haiku=5:root
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	price	price	NOUN	NN	Number=Sing	5	obj	_	_
8	into	into	ADP	IN	_	9	case	_	_
9	instalments	instalment	NOUN	NNS	Number=Plur	5	obl	_	_
10	,	,	PUNCT	,	_	12	punct	_	_
11	like	like	ADP	IN	_	12	case	_	_
12	£	£	SYM	$	_	5	obl	_	_
13	400	400	NUM	CD	NumForm=Digit|NumType=Card	12	nummod	_	_
14	as	as	ADP	IN	_	15	case	_	_
15	10	10	NUM	CD	NumForm=Digit|NumType=Card	5	obl	_	_
16	×	×	SYM	SYM	Number=Sing	17	case	_	Agree=R8-pos-agree|Haiku=17:case|HaikuPos=ADP:IN:_
17	£	£	SYM	$	_	5	obl	_	_
18	40	40	NUM	CD	NumForm=Digit|NumType=Card	17	nummod	_	_
19	;	;	PUNCT	:	_	23	punct	_	_
20	it	it	PRON	PRP	Case=Nom|Gender=Neut|Number=Sing|Person=3|PronType=Prs	23	nsubj	_	_
21	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	23	aux	_	_
22	still	still	ADV	RB	_	23	advmod	_	_
23	borrowing	borrow	VERB	VBG	Tense=Pres|VerbForm=Part	5	parataxis	_	Agree=R7-rel-agree|Haiku=5:advcl
24	,	,	PUNCT	,	_	29	punct	_	_
25	and	and	CCONJ	CC	_	29	cc	_	_
26	missed	miss	VERB	VBN	Tense=Past|VerbForm=Part|Voice=Pass	27	amod	_	_
27	payments	payment	NOUN	NNS	Number=Plur	29	nsubj	_	_
28	can	can	AUX	MD	VerbForm=Fin	29	aux	_	_
29	bring	bring	VERB	VB	VerbForm=Inf	23	conj	_	Agree=R5-strong|Haiku=5:conj
30	fees	fee	NOUN	NNS	Number=Plur	29	obj	_	_
31	.	.	PUNCT	.	_	5	punct	_	_
```

## Pragmatics {#pragmatics}

<!-- sa -->
- form: statement
- act: assert
- voice: narrator
- polarity: none
- teacher: changed act=assert

<!-- .fr -->
| # | 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 price |  |  |  | into instalments *result*; as 10 | vn break-45.1 «NP V NP PP.result»: agent=Agent price=Patient into instalment=Result |
| 4 | **borrow** | present · progressive | price |  |  |  | still |  | vn obtain-13.5.2 «NP V NP»: agent=Agent |
| 5 | **miss** | participle |  |  |  |  |  |  | vn admire-31.2 «NP V that S»: agent=Experiencer |
| 6 | **bring** | can | missed payments | fees |  |  |  |  | vn bring-11.3-1 «NP V NP together»: agent=Agent fee=Theme |

<!-- .note -->
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:money:024-debt-loans-credit-cards-and-interest.lesson:10`.

**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): R5-strong ×1, R7-rel-agree ×2, R8-pos-agree ×1. **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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