这里是Lincoln银行，消费信贷部。我能如何为您效劳？

B: Ah, hello. I'm calling to find out how I apply for a car loan.

啊，你好。我打电话是想知道如何申请汽车消费贷款。

A: We offer a Personal Automobile Consumer Loan. The application process is pretty straight forward. I trust you have enough funds to cover the 20% down payment?

我们提供个人汽车消费贷款。申请手续非常简单。我相信您有足够的资金来支付20%的首付款，是吧？

B: Yes, I do. It's ready and waiting in my account.

是的，我有。首付款已经在我的账户里准备就绪了。

A: The next step is for us to recommend a dealer to you, who are already contracted to us, so....

下一步是由我们给您推荐一个已经和我们签约的经销商，所以……

B: Could I just stop you there? Sorry to interrupt, but I have already been to your appointed dealer and selected the car I want.

我可以先打断你一下吗？很抱歉，打断你了，其实我已经去过你们的特约经销商那里了，并且已经选好了我想要的车。

A: That will certainly cut down the processing time. We can move on to the next step. Do you have the purchase price?

那就肯定会减少办理的时间啦。我们可以继续下一步了。您已经拿到报价了？

B: Yes, it's 110,000 RMB. So, with the down payment done, I will need to borrow 70,000 RMB.

是的，销售价是110000元。所以，算上我已经有的首付款，我得借70000 元。

A : What we need you to do next is to come into the branch with 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.

接下来我们需要您做的就是到营业部来，带着一份正确填写的申请表、 身份证、居住证明、收入证明、自己的，与经销商签的协议，当然还得有20%的首付收据。

B: Yes, I have everything here. OK, I'll come in and see you later today. Maybe I could have my new car as early as next week! How exciting!

是的，我这里有所有的文件。好啦，我今天过一会儿就来见你。也许最快下个星期我就可以拥有我的新车啦！好兴奋啊！