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aHello, Sir, may I help you?

你好,先生,您需要什么服务?

bYes. I would like some information for requesting a loan.

我想了解些申请贷款的信息。

aVery 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.

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。

bI 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,如果我姐1万美元,每个月我应该还多少钱?

aIt 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!

只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贷款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。

bIt 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。

aThat 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。

bYou 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。

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1、request 请求得到;索取
例句:
We request the favour of a reply at your earliest convenience.
敬请早日赐复。


2、loan 贷款;借款
例句:
We obtained a loan from the government.
我们得了一笔政府贷款。 


3、general综合的;大体的
例句:
You now have some general system information.
现在您得到了一些系统信息。


4、pride in 以…为傲
例句:
They pride themselves in building the tallest building in the world.
他们以建造了世界上最高的建筑而骄傲。 


5、get this straight 把这个弄明白,说清楚;直说,不隐晦
例句:
Let me get this straight. To protest wasteful spending, you bought a million tea bags.
咱们直说了吧,你们要抗议浪费性开支,然后你们买了一百万个茶包。 


6、pay back 偿付(借款等),还钱
例句:
He paid the money back promptly.
他很快就把钱还了。


7、at an interest rate of 以...的利率
例句:
The bank will lend the money at an interest rate of about 6 percent, but the provincial government will then give Sunzone a direct rebate to pay more than half the interest on the loan.
银行将提供利率为6%的贷款,而省政府会给予神州公司直接退税以支付大半的贷款利息。 


8、a portion of 一份
例句:
Give a portion of each day to recreation.
每天抽一部分时间用于娱乐。 


9、default on 拖欠…
例句:
NIA expects to see many colleges default on their debts in 2011.
NIA预计在2011年将有许多高校发生债务违约。 


10、credit 信用,信誉
例句:
If you’ve done both, your credit should be solid.
如果做完了以上两项,你的信用应该是可靠的。 


11、assess 评定;估价
例句:
The lawyers assessed the property at $35,000。
律师们估计这笔财产价值35 000美元。


12、in order to 为了,表目的
例句:
In order to compass our object we must work hard.
为了达到我们的目标,我们必须努力工作。 


13、approve 批准;赞成
例句:
Father approved our plan to visit New York.
父亲同意了我们访问纽约的计划。
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