關(guān)于貸款賬戶(hù)的英語(yǔ)口語(yǔ)
關(guān)于貸款賬戶(hù)的英語(yǔ)口語(yǔ)
小編今天給大家?guī)?lái)的是關(guān)于英語(yǔ)情景對(duì)話(huà)的口語(yǔ)，對(duì)于英語(yǔ)口語(yǔ)來(lái)說(shuō)其實(shí)還是比較難學(xué)的，但是同學(xué)們千萬(wàn)不要放棄，小編相信同學(xué)們一定可以的
一了解下申請(qǐng)貸款的相關(guān)事宜
AHello, Sir, may I help you?
你好，先生，您需要什么服務(wù)?
BYes. I would like some information for requesting a loan.
我想了解些申請(qǐng)貸款的信息。
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.
這是貸款政策的基本條款。全國(guó)范圍內(nèi)我們銀行的個(gè)人貸款利率是最低的。
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。那我就直說(shuō)吧，如果我姐1萬(wàn)美元，每個(gè)月我應(yīng)該還多少錢(qián)?
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!
只要取決于你還款的時(shí)間。如果我們以年利率百分之十貸款1萬(wàn)美元給你，為期48個(gè)月，你每月必須還一部分叫做基本貸款還有一小部分年利率。這當(dāng)然是在不考慮您拖欠還款的請(qǐng)款下計(jì)算的。
BIt sounds good but, there is just one problem. I have a terrible credit score.
聽(tīng)起來(lái)不錯(cuò)，但是還有個(gè)問(wèn)題，我信用評(píng)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.
那是個(gè)嚴(yán)重的問(wèn)題，銀行必須評(píng)估你的個(gè)人信息，過(guò)去貸款記錄，財(cái)產(chǎn)和其他相關(guān)信息，比如準(zhǔn)許你貸款的信用評(píng)分。
BYou know what? I don’t really need the money. Thanks anyways!
你知道嗎?我不真的很急需錢(qián)，無(wú)論如何，謝謝你。
二我想開(kāi)個(gè)新的活期賬戶(hù)
Agood morning. How can I help you?
早上好，有什么能幫忙的嗎?
BI'd like to open a new account.
我想開(kāi)個(gè)新賬戶(hù)。
Ahave you filled out an application form?
您填好申請(qǐng)表了嗎?
Byes. And I've brought some documents along with me, too. Do you need to see my passport?
填好了。而且，我也帶了相關(guān)的文件。你要看我的護(hù)照嗎?
Ayes. I'll just have my assistant look over these quickly and then we'll move on to the next step. Did you want to open up a checking account and a savings account?
好的。我讓我的助理迅速瀏覽一遍這些文件，然后我們就可以進(jìn)行下一步了。您是想要開(kāi)一個(gè)活期賬戶(hù)和一個(gè)定期儲(chǔ)蓄賬戶(hù)嗎?
Byes. Does the checking account come with a debit card?
沒(méi)錯(cuò)?；钇谫~戶(hù)是不是會(huì)附帶一個(gè)借記卡?
Ayes. Actually, both accounts come with cards that you can use in ATM machines, so that you won't have to come in to the bank to make a transaction.
對(duì)。實(shí)際上兩個(gè)賬戶(hù)都有可以供您在自動(dòng)取款機(jī)上使用的卡。這樣您就不用到銀行柜臺(tái)來(lái)辦理轉(zhuǎn)賬業(yè)務(wù)了。
Bthat's very convenient.
這樣很方便。
Ait is. Our customers really like it. Do you have any other questions about your new accounts?
的確是。我們的客戶(hù)都很喜歡這個(gè)服務(wù)。關(guān)于新賬戶(hù)您還有其它問(wèn)題嗎?
Byes. What's the maximum amount that you are allowed to have in an overdraft?
有。這個(gè)賬戶(hù)一次性透支額度的上限是多少?
Athe maximum is 00.
最大額度是1000美元。
Bis there a penalty for having an overdraft?
超過(guò)這個(gè)額度有罰金嗎?
Ayes, but it's not much. You just have to pay 1% interest on the amount. It's much lower rate than any of our loans and it's much better than owing money to most credit cards.
有，但是不太多。您需要支付總額的1%的利息。這比我們?nèi)魏蔚囊环N貸款業(yè)務(wù)都要低得多，而且比大多數(shù)信用卡透支都要便宜。
Bthat's true. Is everything alright with my documents?
您說(shuō)的沒(méi)錯(cuò)。我的文件處理好了嗎?
Athey're all in order. If you just sign your name here, you'll receive your cards and pin numbers in the mail in about three weeks.
都弄好了。只要您在這里簽個(gè)名，三周左右就可以收到郵寄給您的卡和密碼了。
Bthank you very much.
非常感謝。
Ayou're welcome.
不用客氣。
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