評論
打印
A: Hello, sir. May I help you?
先生您好，需要幫忙嗎？
B: Yes, I would like some information for requesting a loan.
是的，我想問一些關于貸款的事情。
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，這是我們貸款政策的一般條款。我們自信在國家個人貸款上，我們公司的貸款利率是最低的。
B: I see. So let me get this straight. If I borrow, let's say 10,000 dollars, how much will I have to pay each month?
我知道了，那我就直說了，比方說我借1萬美元的話，我一個月要付多少？
A: It depends on how long you take to pay it back. If we lend you 10,000 dollars at an annual interest rate of 10% for 48 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.
這要取決于您的還款時間。如果我們貸給您的1萬元是48月期10%的年利率，那么您每個月則需要支付一部分的貸款本金和另一年的小部分利率。當然這是考慮您不拖欠貸款的情況下。
B: It sounds good. But there is just one question. I have a terrible credit score.
聽起來不錯，但是只有一個問題，我的信用評分很差。
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.
這個問題很嚴重，您明白的，銀行必須評估您的個人信息，過去的貸款情況、個人資產以及其他相關信息，比如說您的信用評分，才能給您貸款。
B: You know what? I don't really need the money. Thanks anyway!
你知道嗎？我其實不需要這些錢。無論如何，謝謝你。
loan
貸款
要求貸款
ask for/requst/apply for a loan
take out a loan
取得貸款
repay a loan
取得貸款
pay off a loan
還清貸款
bank loan
銀行貸款
personal loan
個人貸
business loan
企業貸
拓展：
mortgage
按揭貸款
a mortgage/loan of...
...（錢）的按揭貸款/貸款
例句：
He took out a mortgage of $40 000 to buy the house.
他借了四萬美元的抵押貸款來買房子。
I have a loan of $4000.=I have a $4000 loan.
我有一個4000美元的貸款。
interest
利息
interest rate
利率
principal
本金
pride oneself in...
某人在...很自信/開心
例句：
I pride myself in being a non smoker.
我為自己不抽煙而感到自豪。
I pride myself in always saving lots of money for my paycheck.
我可以說，我為自己總是能存很多薪水而感到驕傲。
lend
借出
borrow
借入
lend sb sth=lend sth to sb.
借給某人錢
borrow sth from sb.
向某人借...
He borrowed $50.
他借了50美元。
He borrowed $50 from Jack.
他向杰克借了50美元。
Jack lent $50 to him.
杰克借給他50美元。
Jack lent him $50.
杰克借給他50美元。
get this straight
直說
Let me get this straight.
我就直說了。
同義表達：
Come to the point/Cut to the chase
直奔主題
depend on
取決于...
It depends.
看情況而定。
例句：
It depends on the weather.
這取決于天氣。
It depends on how much effort you put into it.
這取決于你在這上面花了多少時間。
default
不履行；違約
default on...
default on a loan/debt
拖欠借款/債務
例句：
He defaulted on the mortgage because of the bankruptcy.
他由于破產未能按時還房貸。
assess
評估(性質；質量)；估算
例句：
We need to assess whether the project is worth doing.
我們需要評估這個項目是否值得做。
asset
資產；有價值的人/物
fixed assets固定資產
current assets流動資產
