【口语版】Requesting A Loan贷款

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A: Hello, sir. May I help you?先生您好，需要帮忙吗？
B: Yes, I would like some information for requesting a loan.是的，我想问一些关于贷款的事情。
A: 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，这是我们贷款政策的一般条款。我们自信在国家个人贷款上，我们公司的贷款利率是最低的。
B: I see. So let me get this straight. If I borrow, let's say 10,000 dollars, how much will I have to pay each month?我知道了，那我就直说了，比方说我借1万美元的话，我一个月要付多少？
A: It depends on how long you take to pay it back. If we lend you 10,000 dollars at an annual interest rate of 10% for 48 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.这要取决于您的还款时间。如果我们贷给您的1万元是48月期10%的年利率，那么您每个月则需要支付一部分的贷款本金和另一年的小部分利率。当然这是考虑您不拖欠贷款的情况下。
B: It sounds good. But there is just one question. I have a terrible credit score. 听起来不错，但是只有一个问题，我的信用评分很差。
A: 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.这个问题很严重，您明白的，银行必须评估您的个人信息，过去的贷款情况、个人资产以及其他相关信息，比如说您的信用评分，才能给您贷款。
B: You know what? I don't really need the money. Thanks anyway!你知道吗？我其实不需要这些钱。无论如何，谢谢你。

loan

贷款

要求贷款

ask for/requst/apply for a loan

take out a loan

取得贷款

repay a loan

取得贷款

pay off a loan

还清贷款

bank loan

银行贷款

personal loan

个人贷

business loan

企业贷

拓展：

mortgage

/mɔːrɡɪdʒ/

按揭贷款

a mortgage/loan of...

...（钱）的按揭贷款/贷款

例句：

He took out a mortgage of $40 000 to buy the house.

他借了四万美元的抵押贷款来买房子。

I have a loan of $4000.=I have a $4000 loan.

我有一个4000美元的贷款。

interest

利息

interest rate

利率

principal

本金

pride oneself in...

某人在...很自信/开心

例句：

I pride myself in being a non smoker.

我为自己不抽烟而感到自豪。

I pride myself in always saving lots of money for my paycheck.

我可以说，我为自己总是能存很多薪水而感到骄傲。

lend

借出

borrow

借入

lend sb sth=lend sth to sb.

借给某人钱

borrow sth from sb.

向某人借...

He borrowed $50.

他借了50美元。

He borrowed $50 from Jack.

他向杰克借了50美元。

Jack lent $50 to him.

杰克借给他50美元。

Jack lent him $50.

杰克借给他50美元。

get this straight

直说

Let me get this straight.

我就直说了。

同义表达：

Come to the point/Cut to the chase

直奔主题

depend on

取决于...

It depends.

看情况而定。

例句：

It depends on the weather.

这取决于天气。

It depends on how much effort you put into it.

这取决于你在这上面花了多少时间。

default

/dɪˈfɔːlt/

不履行；违约

default on...

default on a loan/debt

拖欠借款/债务

例句：

He defaulted on the mortgage because of the bankruptcy.

他由于破产未能按时还房贷。

assess

/əˈses/

评估(性质；质量)；估算

例句：

We need to assess whether the project is worth doing.

我们需要评估这个项目是否值得做。

asset

/æset/

资产；有价值的人/物

fixed assets固定资产

current assets流动资产