金融口语实战会话 第12期:银行业务 个人贷款

 　　A：Hello, Sir, may I help you?

　　你好，先生，您需要什么服务？

　　B：Yes. I would like some information for requesting a loan.

　　我想了解些申请贷款的信息。

　　A：Very well, here are the general terms of our loan policies. We pride ourselves in having the lowest interest rate in the country for personal loans.

　　好的，这是贷款政策的基本条款。全国范围内我们银行的个人贷款利率是最低的。

　　B：I see. So let me get this straight. If I borrow let’s say, ten thousand dollars, how much will I have to pay each month?

　　我明白。那我就直说吧，如果我借1万美元，每个月我应该还多少钱？

　　A：It depends on how long you take to pay it back. If we lend you ten thousand dollars at an annual interest rate of ten percent for forty eight months, you would have to pay each month a portion of the loan which is called the principal and another small portion of the annual interest rate. This of course is considering that you don’t default on a payment!

　　主要取决于你还款的时间。如果我们以年利率百分之十贷款1万美元给你，为期48个月，你每月必须还一部分叫做基本额度，还有一小部分年利率。这当然是在不考虑您拖欠还款的请款下计算的

　　B：It sounds good but, there is just one problem. I have a terrible credit score.

　　听起来不错，但是还有个问题，我信用评分很差.

　　A：That is a very serious problem you see, the bank must assess your personal information, past loans, assets and any other relevant information such as your credit score in order to approve your loan.

　　那是个严重的问题，银行必须评估你的个人信息，过去贷款记录，财产和其他相关信息，比如准许你贷款的信用评分。

　　B：You know what? I don’t really need the money. Thanks anyways!

　　你知道吗？我不真的很急需钱，无论如何，谢谢你。