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These are the sentences:

My umbrella is borrowed by Tom. May I use yours?
My umbrella has been borrowed by Tom. May I use yours?

I wrote the first sentence as my answer in my grammar quiz, but my teacher said that I'm wrong. And the answer should be the second one.

What is the difference in these two sentence and is my sentence correct?
Thank you very much.

ps. I am the one who post the last post, but I lost my account, so I post it again.

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These two sentences were written in Passive Voice.

My umbrella is borrowed by Tom. May I use yours?

the first sentence is in the Simple Present tense According to Passive Voice.

Active Voice: Tom borrows my umbrella. (Simple Present)

this tense refers the General activities and also refers indefinite aspects.

Here we are not concluded that whether tom has already borrowed or not.

My umbrella has been borrowed by Tom. May I use yours?

The second statement is also written in Present perfect tense according to Passive Voice.

Active Voice: Tom has borrowed my umbrella. Present Perfect

this tense refers just completed actions means all definite aspects.

Here we are concluded that action already completed.

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