中文：

贷款是指借款人向金融机构申请借款，并在未来一定期限内偿还本金和利息的一种金融行为。贷款通常被用于各种不同的目的，例如购买房屋、车辆、支付学费、创业等。

人们选择贷款的原因有很多种。首先，贷款可以提供一种方便的融资方式，使得人们可以在资金不足的情况下实现自己的目标。例如，一个人可能需要购买一辆车或一所房屋，但手头的资金不足以支付全款，这时他可以选择向银行或其他金融机构申请贷款。通过这种方式，他可以在未来一段时间内分期偿还贷款，并在此期间利用资金实现自己的目标。

其次，贷款还可以帮助人们管理自己的财务压力。有时，一些突发事件可能会给人们带来巨大的经济压力，例如医疗费用、子女教育费用等。在这种情况下，贷款可以为人们提供一定的经济支持，帮助他们度过难关。

此外，贷款还可以帮助人们实现自己的创业梦想。对于那些有创业想法但缺乏资金的人来说，贷款可以成为一种重要的融资渠道。通过向银行或其他金融机构申请贷款，他们可以获得足够的资金来启动自己的企业，并逐步实现自己的梦想。

英文：

A loan is a form of borrowing in which a person or entity applies to a financial institution to borrow funds, and agrees to repay the principal and interest at a future date. Loans are used for various purposes, such as purchasing a house, car, paying tuition fees, starting a business, etc.

There are several reasons why people choose to take out loans. Firstly, loans can provide a convenient financing option for people who need funds to achieve their goals but do not have enough cash on hand. For example, a person may need to purchase a car or a house but lacks sufficient funds to pay for the entire amount. In this case, he or she can choose to apply for a loan from a bank or other financial institution. By taking this approach, the person can repay the loan over time in installments and use the funds to achieve their desired objective.

Secondly, loans can help people manage their financial压力. Sometimes, unexpected events can bring about significant financial stress, such as medical expenses, educational costs for children, etc. In such situations, a loan can provide necessary financial support, helping people get through difficult times.

In addition, loans can help people realize their entrepreneurial dreams. For those who have entrepreneurial ideas but lack funds, loans can serve as an important financing channel. By applying for a loan from a bank or other financial institution, they can obtain sufficient funds to launch their own business and gradually realize their dreams.