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Why JLPT N5 learners mix up ある (ある, “to exist (inanimate); there is”) and 住む (すむ, “to live; to reside”).
ある marks existence in a location (the book is on the desk); 住む marks habitual residence (the person lives in Tokyo). One-time presence vs permanent address.
On JLPT N5, this pair shows up as a vocabulary meaning question. You see one word and pick its English equivalent from four options — one of which will be the other word in this pair, chosen as a distractor precisely because of the overlap.
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