第111课 申请买车货款

　　A:Brian,I want to buy a new car.

　　A：布莱恩，我想买辆新车。

　　B:Why?

　　B：为什么？

　　A:Cause a new car is more reliable and safer.

　　A：因为新车更安全可靠。

　　B:You are right about that, but do you have enough money?

　　B：那倒是，可是你有那么多钱吗？

　　A:I don't,but I heard I could get a loan.

　　A：没有啊，听说可以贷款。

　　B:That's right. You can either go through the car dealer or apply to a bank yourself.

　　B：是的。你可以通过车行，或者自己到银行借。

　　A:What do I need to show to get a loan?

　　A：贷款要出示什么材料？

　　B:You need to give them your social security number,your pay stub from school,your bank account statement, and your tax-return from last year.

　　B：他们要你的社会保险帐号，你学校的工资条，银行账户账单。还有你去年的报税单。

　　A:I heard loan insurance is expensive. Do I need to get that?

　　A：听说贷款保险很贵，我要买贷款保险吗？

　　B:If you pay 20% of the car price, you don't have to buy loan insurance.

　　B：你要是头款付车价的20%，就不必买贷款保险了。

　　A:What about application fees and all that?

　　A：贷款还要申请费等等，是吧？

　　B:You can ask different banks for interest rates and for the fee schedule,then pick the best one.

　　B：你可以问不同的银行，看他们的利率和费用明细表如何，选一家最好的。

　　A:Sounds good. I'll get on it right now.

　　A：不错，我马上就去办。