银行英语情景口语 第176期:个人消费信贷 个人留学贷款(4)

  　　A: Welcome to Smith Street Branch. Can I do anything to help?

　　欢迎光临Smith大街营业部。我能为您效劳吗？

　　B: I'd like to ask some questions about Personal Loans.

　　我想咨询一下关于个人贷款的事情。

　　A: Of course, I'll be happy to assist you. Any loan in particular?

　　当然可以，我很乐意为您服务。您有什么特别感兴趣的贷款项目吗？

　　B: Yes, the Personal Loan for Studying Abroad. I've just finished my Bachelor's here and I plan to go to Australia next summer. You know, to broaden my horizons and to experience something new.

　　有的，个人留学贷款。我刚修完了我的学士学位，打算明年夏天去澳大利亚。你知道，去开阔开阔视野，体验体验新事物吧。

　　A: OK, good for you. It certainly is a popular choice for young people nowadays. Well, this loan can cover up to 70% of your total fees, including tuition and miscellaneous, and the maximum sum is 500,000 RMB.

　　好哇，这对您有好处。对于现在的年轻人来说，这的确是一个很普遍的选择。嗯，这笔贷款最多可支付70%的总费用，包括学费和杂费， 最大金额为500000元。

　　B: Hmmm ... how about interest on that? I've been advised to ask about the interest and not get caught up in a loan with a high rate. And how long will I have to pay it back?

　　嗯……利率是多少？别人一直跟我说要问清楚利息，别被利率高的贷款套进去。还有，我必须在多长时间内还款？

　　A: We wouldn't want to trap you into anything, the decision is yours. We are just here to give advice.

　　我们不希望诱使您做任何事情，您自己做决定。我们在此只是提建议。

　　B: Thanks. But what is your standard rate?

　　谢谢。那么，你们的标准利息率是多少？

　　A: The rates and terms of interest differ. The rates are decided¹ by the standard interest rate and the repayment² terms can be anything from 6 months to 6 years. But the maximum is 8 years.

　　利息率和利息的条件各不相同。该利率是由标准利息率决定的，并且偿还期可以是从6个月至6年不等。但是，最长不得超过8年。

　　B: 8 years? That sounds good, but hopefully I'll have a wonderful job and be able to repay it after just 1 or 2 years. OK, I'll go and think about it. Thanks for your help.

　　8年？听起来不错呀，那么，但愿我能找到一份好工作，可以在一到两年后还清它。妤吧，我要去考虑一下。感谢你的帮助。

1 decided   

adj.决定了的，坚决的；明显的，明确的

参考例句：

• This gave them a decided advantage over their opponents.这使他们比对手具有明显的优势。
• There is a decided difference between British and Chinese way of greeting.英国人和中国人打招呼的方式有很明显的区别。

2 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。