てもらう for doing something politely?


In a short video, I saw during a Japanese lesson, a guy is at the door,
leaving an apartment and telling a person inside:
"すみません、そこまで行くんで、ちょっと傘を貸してもらいます。"

Can someone help me to break down this sentence?  
"貸してもらいます" looks like a question but there is no "か" and in the transcript of
the video there was no question mark, so is it just a polite way to say "I
will borrow you", even if the verb is "To lend"?




Here's the super-literal breakdown:

  * **もらいます** : I (will) receive (something).
  * **貸してもらいます** : I will receive a favor of [your] lending.
  * **傘を貸してもらいます** : I will receive a favor of lending [me] an umbrella.

So he's saying "I'll have you lend me an umbrella (and I'm thankful about
it)". He could have said 傘を借ります ("I'll borrow an umbrella"), which is much
simpler but less polite.

This is not a question in any way, and it is not really a request for
permission, either. It's just a notice, based on the assumption that the
listener won't refuse.




Here's the super-literal breakdown:

  * **もらいます** : I (will) receive (something).
  * **貸してもらいます** : I will receive a favor of [your] lending.
  * **傘を貸してもらいます** : I will receive a favor of lending [me] an umbrella.

So he's saying "I'll have you lend me an umbrella (and I'm thankful about
it)". He could have said 傘を借ります ("I'll borrow an umbrella"), which is much
simpler but less polite.

This is not a question in any way, and it is not really a request for
permission, either. It's just a notice, based on the assumption that the
listener won't refuse.

