A: Hello, sir. May I help you?

老师您好，需求帮助吗？

B: Yes, I would like some information for requesting a loan.

是的，我想问一些关于存款的事变。

A: Very well. Here are the general terms of our loan policies. We pride ourselves in having the lowest interest rate in the country for personal loans.

好的，这是我们存款政策的普通条款。我们自大在国度团体存款上，我们公司的存款利率是最低的。

B: I see. So let me get this straight. If I borrow, let's say 10,000 dollars, how much will I have to pay each month?

我晓得了，那我就直说了，比如说我借1万美元的话，我一个月要付几多？

A: It depends on how long you take to pay it back. If we lend you 10,000 dollars at an annual interest rate of 10% for 48 months. You would have to pay each month a portion of the loan, which is called the principal and another small portion of the annual interest rate. This, of course, is considering that you don't default on a payment.

这要取决于您的还款工夫。假如我们贷给您的1万元是48月期10%的年利率，那么您每个月则需求领取一局部的存款本金和另一年的小局部利率。固然这是思索您不拖欠存款的状况下。

B: It sounds good. But there is just one question. I have a terrible credit score.

听起来不错，但是只要一个题目，我的信誉评分很差。

A: That is a very serious problem. You see, the bank must assess your personal information, past loans, assets and any other relevant information, such as your credit score in order to approve your loan.

这个题目很严峻，您明确的，银行必需评价您的团体信息，过来的存款状况、团体资产以及其他相干信息，比方说您的信誉评分，才干给您存款。

B: You know what? I don't really need the money. Thanks anyway!

你晓得吗？我实在不需求这些钱。无论怎样，谢谢你。

loan

存款

要求存款

ask for/requst/apply for a loan

take out a loan

获得存款

repay a loan

获得存款

pay off a loan

还清存款

bank loan

银行存款

personal loan

团体贷

business loan

企业贷

拓展：

mortgage

按揭存款

a mortgage/loan of...

...（钱）的按揭存款/存款

例句：

He took out a mortgage of $40 000 to buy the house.

他借了四万美元的抵押存款来买屋子。

I have a loan of $4000.=I have a $4000 loan.

我有一个4000美元的存款。

interest

利钱

interest rate

利率

principal

本金

pride oneself in...

或人在...很自大/开心

例句：

I pride myself in being a non smoker.

我为本人不吸烟而感触骄傲。

I pride myself in always saving lots of money for my paycheck.

我可以说，我为本人总是能存许多薪水而感触自豪。

lend

借出

borrow

借入

lend sb sth=lend sth to sb.

借给或人钱

borrow sth from sb.

向或人借...

He borrowed $50.

他借了50美元。

He borrowed $50 from Jack.

他向杰克借了50美元。

Jack lent $50 to him.

杰克借给他50美元。

Jack lent him $50.

杰克借给他50美元。

get this straight

直说

Let me get this straight.

我就直说了。

同义表达：

Come to the point/Cut to the chase

直奔主题

depend on

取决于...

It depends.

看状况而定。

例句：

It depends on the weather.

这取决于气候。

It depends on how much effort you put into it.

这取决于你在这下面花了几多工夫。

default

不实行；违约

default on...

default on a loan/debt

拖欠乞贷/债权

例句：

He defaulted on the mortgage because of the bankruptcy.

他由于停业未能定时还房贷。

assess

评价(性子；质量)；预算

例句：

We need to assess whether the project is worth doing.

我们需求评价这个项目能否值得做。

asset

资产；有代价的人/物

fixed assets牢固资产

current assets活动资产