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Daily Life – Asking For A Loan (C0165)

B: Hello Sir may I help you?

B：你好，先生，我能帮你吗?

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

A:是的。我想了解一下申请贷款的情况。

B: 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.

B:好的，这是我们贷款政策的一般条款。我们以拥有全国最低的个人贷款利率而自豪。

A: 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?

A:我明白了。让我把事情搞清楚。如果我借1万美元，我每个月要付多少钱?

B: 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!

B:这取决于你还款的时间。如果我们以年利率10%借给你1万美元，为期48个月，你每个月必须还一部分贷款，也就是本金和年利率的一小部分。这当然是考虑到你没有拖欠付款!

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

A:听起来不错，但是有一个问题。我的信用评分很差。

B: 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.

B:你知道，这是一个非常严重的问题。银行必须评估你的个人信息、过去的贷款、资产和其他相关信息，比如你的信用评分，才能批准你的贷款。

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

A：你知道吗?我不是真的需要钱。不管怎样谢谢你!