are to repay

USAGE SUMMARY

The phrase "are to repay" is correct and usable in written English.
It can be used to indicate an obligation or expectation to return something, typically in a financial context. Example: "The borrowers are to repay the loan within five years as per the agreement."

✓ Grammatically correct

News & Media

Academia

Financial Contexts

Human-verified examples from authoritative sources

Exact Expressions

8 human-written examples

The tentative agreement calls the $3.75 million an advance that the three companies are to repay by making productivity improvements.

The New York Times

If the generals are to repay that trust, they must get the country back on the path towards democracy as swiftly as possible.

The Economist

For example, it turns out that the size and strength of someone's social network (as indicated by call records) is a good predictor of how likely they are to repay a loan.

University of California, Berkeley

And his proposal was not bad: large financial firms are to repay over £70bn to the American taxpayer as a fee for bailing them out through the troubled asset relief programme.

The Guardian - Opinion

With a pre-paid funeral you can usually pay all costs upfront or spread them over a year or more, although the longer you spread payments the more likely you are to repay more than the original sum purchased.

The Guardian - Money

She knows many of the bank's big commercial borrowers personally — taking the time to go out on the road and visit their factories or businesses to get a better sense of just how well positioned they are to repay their loans.

The New York Times

Human-verified similar examples from authoritative sources

Similar Expressions

52 human-written examples

If you want to show how committed you are to repaying the loan, you can also offer up collateral.

Forbes

The remaining $25 million was to repay baseball's loan.

The New York Times - Sports

"My goal now is to repay everyone who has helped me.

The New York Times

The least he can do is to repay this great land, and do so with honor".

The New Yorker

His intention was to repay some debts owed by the country's huge aluminium plant.

The Economist

Expert writing Tips

Best practice

In formal writing, consider using "are required to repay" or "are obligated to repay" for added emphasis on the binding nature of the repayment.

Common error

Avoid confusing "are to repay" with simple future tense. "Are to repay" implies a pre-existing agreement or obligation, whereas simple future (e.g., "will repay") simply indicates a future action.

Linguistic Context

The phrase "are to repay" functions as a verbal phrase indicating an obligation or expectation for a future action, specifically related to returning something (usually money). It is used to express that someone is expected to return or pay back something according to a previous agreement or rule. Ludwig AI confirms that the phrase is grammatically correct and usable.

Expression frequency: Uncommon

Frequent in

News & Media

60%

Academia

20%

Formal & Business

10%

Less common in

Wiki

5%

Science

5%

Reference

0%

Ludwig's WRAP-UP

In summary, the phrase "are to repay" is a grammatically sound and usable construction indicating an obligation or expectation to return something, most commonly money. As Ludwig AI confirms, this phrase is suitable for various contexts, particularly in news, academic, and business settings. While not exceptionally common, it effectively communicates a sense of duty or pre-existing agreement regarding repayment. For increased formality, alternatives such as "are required to repay" can be used. When writing, ensure that the context clearly establishes the obligation and that the information is precise, especially concerning amounts, recipients, and timelines.

More alternative expressions

Phrases that express similar concepts, ordered by semantic similarity:

have an obligation to repay

Emphasizes the existence of a duty or legal requirement to return funds.

are duty-bound to repay

Highlights the moral or ethical aspect of the obligation.

are required to pay back

Uses "required" to stress the necessity and "pay back" as a more colloquial alternative to "repay".

are responsible for repaying

Focuses on the accountability and liability for returning the amount.

must provide reimbursement

Emphasizes the act of compensating for expenses already incurred.

are slated to reimburse

Slated emphasizes the timing.

will settle their debt

Focuses on resolving the debt as a whole, rather than the act of repayment itself.

will make restitution

implies restoring something lost or damaged, not just returning money.

should render payment

"Render" is a more formal synonym of "make", implying a formal or official transfer of funds.

will compensate for the funds

Compensate implies an attempt to make amends or provide an equivalent value.

FAQs

How can I use "are to repay" in a sentence?

Use "are to repay" to indicate a future obligation or expectation to return something, typically money. For instance, "The company and financial firms "are to repay" the loan in monthly installments".

What's a more formal alternative to "are to repay"?

For a more formal tone, consider using "are required to repay" or "are obligated to repay". These options emphasize the binding nature of the repayment agreement. See also "have an obligation to repay".

Is "are to repay" interchangeable with "will repay"?

While both indicate a future action, "are to repay" implies a pre-existing agreement or obligation, whereas "will repay" simply indicates a future intention. Using "will repay" suggests no prior commitment.

What does "are to repay" imply about the repayment?

"Are to repay" implies that the repayment is not optional but rather a duty. For example, “financial firms "are to repay" the American taxpayer” suggests a moral or legal obligation.