Scene 58 贷款

Scene 58　贷款

❶ 我们想申请贷款。We want to apply for a loan.

同类表达 I'd like to ask about taking a loan. 我想问一下贷款的事情。

对话 A: We want to apply for a loan. 我们想申请贷款。

B: Just fill out this application. We will let you know right away if you qualify. 填好这张表就行。如果你符合资格，我们会马上通知你的。

❷ 我们得了一笔政府贷款。We obtained a loan from the government.

对话 A: We obtained a loan from the government. 我们得了一笔政府贷款。

B: That's great. Congratulations. 太棒了，恭喜你。

❸ 我拿到10万元的贷款。I am granted a 100,000 yuan loan.

❹ 这个月，我已付清了车的贷款。This month, I paid off the loans for my vehicle.

❺ 我不够资格申请抵押贷款。I'm not qualified¹ for a mortgage.

对话 A: Do you qualify for any of the Federal loan programs? 你有资格申请联邦贷款项目吗？

B: I'm not qualified for a mortgage. 我不够资格申请抵押贷款。

❻ 每个月要付的利息是多少？What are the interest payments per month?

同类表达 What's the interest rate? 利率是多少？

What's the interest rate on mortgage loans? 抵押贷款的利率是多少？

对话 A: What are the interest payments per month? 每个月要付的利息是多少？

B: 2,000 yuan . 2 000元。

❼ 这笔贷款的利息高吗？Does this loan carry a high interest?

对话 A: Does this loan carry a high interest? 这笔贷款的利息高吗？

B: It's 7％, fixed-rate loan. 7％的固定利息贷款。

❽ 我可以免息透支。I have an interest-free overdraft² facility.

对话 A: Hello, how can I help you? 您好，有什么可以帮忙的？

B: I have an interest-free overdraft facility. 我可以免息透支。

A: OK. Let me help you. 好的，让我帮你办理。

❾ 我开始还贷款了。I have started to repay the loan.

对话 A: I have started to repay the loan. 我开始还贷款了。

B: How long will you pay off? 你什么时候能还清？

A: I will pay off the loan over ten years. 我要花十多年的时间还清贷款。

❿ 我可以一次还清吗？May I pay off at one time?

对话 A: May I pay off at one time? 我可以一次还清吗？

B: Sure. 当然可以。

1 qualified   

adj.合格的，有资格的，胜任的，有限制的

参考例句：

• He is qualified as a complete man of letters.他有资格当真正的文学家。
• We must note that we still lack qualified specialists.我们必须看到我们还缺乏有资质的专家。

2 overdraft   

n.透支，透支额

参考例句：

• Her bank warned that unless she repaid the overdraft she could face legal action.银行警告她如果不偿还透支钱款，她将面临诉讼。
• An overdraft results when a note discounted at a bank is not met when due.银行贴现的支票到期而未能支付就成为透支。