英語播客初級(jí)版 第162期(外教講解):申請(qǐng)貸款

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B : Hello, Sir, may I help you?

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

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.

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?

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!

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

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.

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

general terms基本條款，基本原則

interest rate 利率

One of the major banks has lowered its interest rate.

有一家大銀行已降低了利率。

Credit score 信用評(píng)分

【拓展詞匯】

mortgage n.抵押

mortgage broker貸款中間人,抵押放款經(jīng)紀(jì)人

mortgage lender/banker抵押貸款

foreclosure n.抵押品贖回權(quán)的取消

creditor n.債權(quán)人;貸方

B: 你好，先生，您需要什么服務(wù)?

A: 我想了解些申請(qǐng)貸款的信息。

B: 這是貸款政策的基本條款。全國范圍內(nèi)我們銀行的個(gè)人貸款利率是最低的。

A: 我明白。那我就直說吧，如果我姐1萬美元，每個(gè)月我應(yīng)該還多少錢?

B: 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。

A :聽起來不錯(cuò)，但是還有個(gè)問題，我信用評(píng)分很差。

B: 那是個(gè)嚴(yán)重的問題，銀行必須評(píng)估你的個(gè)人信息，過去貸款記錄，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。

A: 你知道嗎?我不真的很急需錢，無論如何，謝謝你。