银行英语情景口语 第168期:个人消费信贷 个人质押贷款(4)

 　　A: IBJ, Maria speaking. How can I help?

　　这里是IBJ银行，我是Maria。我能如何为您效劳？

　　B: Hello,I called earlier regarding interest rates on loans. Sorry, I just have a couple more questions.

　　你好，我之前来过电话，是关于贷款利率的。对不起，我还有几个问題。

　　A: I'm here to help. Tell me your questions and I'll do my best to answer them.

　　我的工作就是为了帮助您。请告诉我您的问题，我会尽我所能来回答您。

　　B: What if I require a loan for a short period of time?

　　假如我需要短期贷款，怎么办呐？

　　A: What repayment¹ period were you thinking of?

　　您所考虑的还款期是什么时候？

　　B: Say,6 months? Or less in fact. I want to repay the loan ASAP;I don't like debt hanging over my head.

　　比如说，6个月？实际上或许更短些。我想要尽快偿还贷款，我不喜欢债务缠身。

　　A: A wise decision. If you decide to take out a short-term loan with us，say for 6 months or less, the interest rate shall be for that of a 6-month loan.

　　这是个明智的决定。如果您决定在我们这里办短期贷款的话，比如说6个月或更短，利率按6个月期贷款的利率计算。

　　B: What if I repay it early. Any perks²?

　　要是我提前还款的话，会怎么样呢。有什么优惠吗？

　　A: Well, we could adjust the interest rate based on the original rate and the amount of days you actually borrowed the money for.

　　嗯，我们可以调整利率，基于原先确定的利率值和您实际借款的天数来计算。

　　B: So, the quicker I pay it back, the more I can save in interest? That's excellent. Thanks so much for your information. I'll come in shortly to take the relevant steps for the loan.

　　所以，还款越快，就可以节省越多的利息？好极了。非常感谢你提供的信息。我不久会来办理与贷款有关的手续。

　　A: It's our pleasure. We are always happy to have another satisfied customer. Thanks for calling. Goodbye.

　　这是我应该做的。我们非常高兴又多了一个满意的客户。谢谢来电。 再见。

1 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。

2 perks   

额外津贴，附带福利，外快( perk的名词复数 )

参考例句：

• Perks offered by the firm include a car and free health insurance. 公司给予的额外待遇包括一辆汽车和免费健康保险。
• Are there any perks that go with your job? 你的工作有什么津贴吗？