拆借 Origin — Dong Chinese Dictionary

chāijiè

short-term lending

chāi to break up

Phonosemantic compound. 扌 represents the meaning and 斥 represents the sound.

扌 Meaning component

shou, shǒu hand

扌 is a component form of 手.

斥 Sound component

chì to scold

Phonosemantic compound. 亻 represents the meaning and 昔 represents the sound.

亻 Meaning component

rén person

亻 is a component form of 人.

昔 Sound component

xī, cuò in the past, ancient times

Change in sound

借 and 昔 don't sound similar in modern Mandarin due to historical phonetic changes. They were more similar in Old Chinese.
借 *[ts]Ak
昔 *[s]Ak

Regular Modern

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	Middle Chinese	Old Chinese	Gloss
Baxter-Sagart	tsjaeH	[ts]Ak-s	loan, borrow
	tsjek	[ts]Ak	loan, borrow

《說文》：“借，假也。从人，昔聲。”