銀行英語(yǔ)情景口語(yǔ) 第178期:個(gè)人消費(fèi)信貸 個(gè)人汽車消費(fèi)貸款(2）

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這里是消費(fèi)信貸部。我能如何為您效勞?

B: I need some info on car loans. Such as payment periods, interest rates, things like that, please.

我需要了解一些關(guān)于汽車消費(fèi)貸款的信息。比如像償還期、利率等等諸如此類的事情，拜托了。

A: Certainly. Do you currently bank with us?

當(dāng)然可以。您目前在我們這里開(kāi)戶了嗎?

B: Yes, I do. I have a Current Account, a credit card and a mortgage with you already.

是的，我開(kāi)戶了。我已經(jīng)在你們這里開(kāi)了一個(gè)活期存款賬戶，領(lǐng)了一張信用卡，還辦理過(guò)按揭。

A: That's excellent. Well, for our Personal Automobile Consumer Loan we offer some really competitive rates. The maximum repayment period for this type of loan is 5 years.

太棒了。嗯，我們?yōu)槲覀兊膫€(gè)人汽車消費(fèi)貸款制定了一個(gè)特別具有競(jìng)爭(zhēng)力的利率。這種類型貸款的最長(zhǎng)還款期限為5年。

B: I plan to repay it within 2 years. And the interest?

我打算在兩年內(nèi)償還貸款。那利率是多少呀?

A: Of course,the interest rates depend on what is announced at the time, but at the moment, the interest for a 2-year loan is 5. 29%.

當(dāng)然啦，利率取決當(dāng)時(shí)公布的利率值，但目前兩年期貸款的利率為5.29% o

B: So the rate is variable? OK, that's fine. How about the frequency of repayment?

所以利率是浮動(dòng)的啦?好吧，行啊。還款的頻度是如何規(guī)定的?

A: We usually set up a direct debit system taking installments directly from your bank account on a monthly basis. And since you are already a valued customer, there should be no trouble in processing you application for this loan.

我們通常會(huì)用直接借記的方式每月直接從您的銀行賬戶中劃出分期支付的款額。既然您已經(jīng)是我們的重要客戶了，在處理您的這份貸款申請(qǐng)時(shí)，不應(yīng)該有任何麻煩。

B: That's nice and easy. Thanks for your time.

好啊，挺容易的嘛。謝謝你，占用你的時(shí)間啦。