高頻英語口語對話(MP3+中英字幕) 第432期:申請個人汽車消費貸款

unit 481

申請個人汽車消費貸款

dialogue

英語情景對話

A:Excuse me, is this the Auto Consumer Loan Center?

A:請問，這兒是汽車消費貸款中心嗎？

B:Yes. Is there anything I can do for you?

B:是啊。需要我爲您做點什麼事嗎？

A:Could you tell me something about the terms and interest rates for personal automobile consumer loan?

A:請您告訴我個人汽車消費貸款的期限和利率情況好嗎？

B:The deadline is normally no more than 5 years with the interest adopted according to the corresponding lending rates announced by the PBC.

B:按照規定，汽車消費貸款期限最長不超過5年，利率按中國人民銀行規定的同期同檔利率執行。

A:I plan to take the loan for 3 years.

A:我打算貸3年期。

B:Well, the yearly interest rate is 5.49% for 3 years. I'm sure you are qualified to apply for this loan.

B:3年期貸款年利率爲5.49%。我相信您符合申請此項貸款的要求。

A:What about the loan repayment?

A:如何還款呢？

B:You may choose a repayment pattern by consulting with our bank, for example, payment of equal amount of principal or of principal and interest on monthly installments.

B:您可以和我行協商後選擇一種還款方式，例如選擇按月分期付款或等額支付本息。

A:Does that mean I should deposit sufficient money to my account prior to the monthly payment date so that you can directly deduct the repayment of the principal and interest?

A:是不是在每個月付款之前，我應在賬戶上存入足夠的錢，以便責行能直接扣還貸款本金和利患？

B:Exactly. You are permitted to effect and early payment in part or in full with the consent of our bank.

B:正是這樣。經我行同意，您可以部分或金額提前還貨。

A:That's very thoughtful of you. Thank you so much.

A:貴行想得真是周到。非常感謝。

B:You're welcome.

B:不客氣。