拝借

1. Origins, structure, and basic meaning

• Structure: 拝借, read はいしゃく, is a humble expression for borrowing something from another person.
• Basic usage: 拝借しました politely reports a completed loan; 拝借してもよろしいですか asks permission to borrow.

2. Common pitfalls and similar expressions

• Humble report and permission request
  • The expression lowers the speaker's own act. しました reports completion, while てもよろしいですか requests consent.