repay和refund区别

repay是还款的意思，而refund则是退款的意思，区别可以从以下例子看出：

It is refund from the shop after I return the product, this figure is the amount I need to repay. That is monthly payment. 退货后是本店退款，这个数字是我需要偿还的金额。 那是月供。