我欠你一个人情。

Wǒ qiàn nǐ yí gè rénqíng.

I owe you a favor.

我们欠银行很多钱。

Wǒmen qiàn yínháng hěnduō qián.

We owe the bank a lot of money.

我欠你多少钱？

Wǒ qiàn nǐ duōshao qián?

How much do I owe you?