金融口語實戰(zhàn)會話 第12期:銀行業(yè)務 個人貸款

[00:00.01]Hello, Sir, may I help you? 你好，先生，您需要什么服務? [00:02.10]Yes. I would like some information for requesting a loan. 我想了解些申請貸款的信息。 [00:06.02]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，這是貸款政策的基本條款。全國范圍內(nèi)我們銀行的個人貸款利率是最低的。 [00:15.26]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? 我明白。那我就直說吧，如果我借1萬美元，每個月我應該還多少錢? [00:23.32]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, 只要取決于你還款的時間。如果我們以年利率百分之十貸款1萬美元給你，為期48個月， [00:33.30]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. 你每月必須還一部分叫做基本貸款還有一小部分年利率。 [00:41.37]This of course is considering that you don't default on a payment! 這當然是在不考慮您拖欠還款的請款下計算的 [00:44.48]It sounds good but, there is just one problem. I have a terrible credit score. 聽起來不錯，但是還有個問題，我信用評分很差. [00:50.44]That is a very serious problem you see, the bank must assess your personal information, past loans, 那是個嚴重的問題，銀行必須評估你的個人信息，過去貸款記錄， [00:57.27]assets and any other relevant information such as your credit score in order to approve your loan. 財產(chǎn)和其他相關信息，比如準許你貸款的信用評分。 [01:02.47]You know what? I don't really need the money. Thanks anyways! 你知道嗎?我不真的很急需錢，無論如何，謝謝你。

00:00

00:00

MP3下載 文本下載