银行英语情景口语 第179期:个人消费信贷 个人汽车消费贷款(3)

 　　A: Welcome to IBJ Consumer Credit. What can I assist you with?

　　欢迎光临IBJ银行消费信贷部。我有什么可以帮您的吗？

　　B: My family really needs a car, we live quite far out of the town centre, but unfortunately we cannot afford to pay out such a large sum of money in one go.

　　我们家真的需要一辆车，我们住的地方离市区挺远的，但不幸的是，我们负担不起一下子支出这么一大笔钱。

　　A: That's a problem facing many young families nowadays, and we are sympathetic to the problem. That's why we have just started a new scheme; a Personal Automobile¹ Consumer Loan.

　　现在许多年轻人的家庭都面临着这样的问题，对此我们深有同感。为此，我们刚刚开展了一个新的业务，就是个人汽车消费贷款。

　　B: Great, I just hope I qualify! Could you tell me some more? Can I use the money to buy the car from anywhere?

　　太棒了，我真的希望我够格！你能多给我介绍一些情况吗？我可以用这些钱到任何地方去买车吗？

　　A: What we usually do is find a suitable car dealer² for you, who offer the type of car that you need. If it's a family car that you want, we have a very reliable dealer already contracted to us.

　　我们通常做的就是为您找到一个合适的汽车经销商，他为您提供您所需要的那种车。如果您需要的是一个家庭用车的话，我们有一个非常可靠的经销商，他已经和我们签约了。

　　B: Then I can go to this appointed dealer, see what they've got and then make a decision?

　　那么我就可以去找这个指定的经销商，看看他们有什么样的车，然后做出决定，是吗？

　　A: Yes. When you have decided³ exactly what you want and have a purchase price we can begin to process the loan. As long as you provide the proper documentation, of course.

　　是的。当您决定了您真正要买的车，并且看好了售价，我们就可以开始办理贷款手续了。当然啦，只要您提供相应的文件。

　　B: What do you require?

　　你们都要求提供些什么呢？

　　A: A correctly filled in application form, ID card, proof of residency, proof of income, the agreement from the agent and of course the 20% down payment.

　　一张正确填写的申请表、身份证、居住证明、收入证明、与经销商签订的协议，当然还要有20%的首付收据。

　　B: That sounds fine. If you could give me the name and address of the dealer I'll go over there now and see what they've got.

　　听起来挺不错的。如果你能给我那个经销商的名字和地址，我现在就要去那儿，看看他们都有什么样的车。

1 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。

2 dealer   

n.商人，贩子

参考例句：

• The dealer spent hours bargaining for the painting.那个商人为购买那幅画花了几个小时讨价还价。
• The dealer reduced the price for cash down.这家商店对付现金的人减价优惠。

3 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。