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What’s Going on with 済み?

売約済み (baiyakuzumi: sold, to sell + to promise + to be settled).

I’ve always liked the perky-looking . It strikes me as wet (picture-1.png) literature () atop a ladder. At the same time, the meanings seem to go all over the place, making them hard to grasp. Just consider this:

With the on-yomi of SAI, means any of the following:

“to settle accounts”

返済する (hensai suru: to repay)
     to give back + to settle accounts

“to conclude”

完済 (kansai: full payment)     complete + to conclude
未済 (misai: unsettled, unpaid)     not yet + to conclude

“to relieve, aid, save”

経済 (keizai: economy)
     to manage (state affairs) + to aid

With the kun-yomi of sumanai, means “inexcusable”:

済みません (Sumimasen: Excuse me)

This is the way to write Sumimasen! That’s exciting! But … we’re talking about something inherently inexcusable. That’s a little depressing! A native speaker said to make sense of the expression this way: “Will you excuse me, even though what I did is so awful that I shouldn’t be asking to be excused?”

With the kun-yomi of sumi, which becomes -zumi as a suffix, means “to be settled”:

支払い済み (shiharaizumi: paid, settled)
     to control + payment + to be settled

This last usage matches the one we saw in 売約済み (baiyakuzumi: sold). So we’ve finally settled the issue of the slippery meanings!

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