高频英语口语对话 第432期:申请个人汽车消费贷款

 unit 481

申请个人汽车消费贷款

dialogue

英语情景对话

A:Excuse me, is this the Auto¹ Consumer Loan Center?

A:请问，这儿是汽车消费贷款中心吗？

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

B:是啊。需要我为您做点什么事吗？

A:Could you tell me something about the terms and interest rates for personal automobile² consumer loan?

A:请您告诉我个人汽车消费贷款的期限和利率情况好吗？

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:按照规定，汽车消费贷款期限最长不超过5年，利率按中国人民银行规定的同期同档利率执行。

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

A:我打算贷3年期。

B:Well, the yearly interest rate is 5.49% for 3 years. I'm sure you are qualified³ to apply for this loan.

B:3年期贷款年利率为5.49%。我相信您符合申请此项贷款的要求。

A:What about the loan repayment⁴?

A:如何还款呢？

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 installments⁵.

B:您可以和我行协商后选择一种还款方式，例如选择按月分期付款或等额支付本息。

A:Does that mean I should deposit sufficient money to my account prior to the monthly payment date so that you can directly deduct⁶ the repayment of the principal and interest?

A:是不是在每个月付款之前，我应在账户上存入足够的钱，以便责行能直接扣还贷款本金和利患？

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

B:正是这样。经我行同意，您可以部分或金额提前还货。

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

A:贵行想得真是周到。非常感谢。

B:You're welcome.

B:不客气。

1 auto   

n.(=automobile)(口语)汽车

参考例句：

• Don't park your auto here.别把你的汽车停在这儿。
• The auto industry has brought many people to Detroit.汽车工业把许多人吸引到了底特律。

2 automobile   

n.汽车，机动车

参考例句：

• He is repairing the brake lever of an automobile.他正在修理汽车的刹车杆。
• The automobile slowed down to go around the curves in the road.汽车在路上转弯时放慢了速度。

3 qualified   

adj.合格的，有资格的，胜任的，有限制的

参考例句：

• He is qualified as a complete man of letters.他有资格当真正的文学家。
• We must note that we still lack qualified specialists.我们必须看到我们还缺乏有资质的专家。

4 repayment   

n.偿还，偿还款；报酬

参考例句：

• I am entitled to a repayment for the damaged goods.我有权利索取货物损坏赔偿金。
• The tax authorities have been harrying her for repayment.税务局一直在催她补交税款。

5 installments   

部分( installment的名词复数 )

参考例句：

• The first two installments were pretty close together in 1980. 第一次和节二次提款隔得很近，都是在1980年提的。
• You have an installments sales contract. 你已经订立了一份分期付款的买卖契约了。

6 deduct   

vt.扣除，减去

参考例句：

• You can deduct the twenty - five cents out of my allowance.你可在我的零用钱里扣去二角五分钱。
• On condition of your signing this contract,I will deduct a percentage.如果你在这份合同上签字，我就会给你减免一个百分比。