禮節(jié)美語:Lesson 173 Taking out a load 3

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三角洲通訊公司老板John Smith到銀行申請貸款，接待他的是銀行負責人Ted Johnson。史密斯想申請個人貸款，用來修建公司的新倉庫。Ted Johnson說，除了需要物品抵押外，還有一個要求。

T: I know this can be a problem, but we generally require at lease one guarantor.

J: Hummm....what kind of person would be best, a relative or a business associate?

T: Either one is OK, but most people pick a relative because it's usually a little easier.

J: Ok...I'm sure my brother won't mind helping me out.

Ted說，一般情況下，銀行還要求至少要有一個貸款擔保人，guarantor, g-u-a-r-a-n-t-o-r guarantor，是擔保人的意思，可以是a relative，親屬，也可以是a business associate，生意上的伙伴。John想了想了說，I'm sure my brother won't mind helping me out，我哥哥一定不介意幫我。mind doing something，是介意做某事的意思；to help someone out，指幫某人的忙。

T: Good. So finally we need to discuss the terms of the loan.

J: What kind of interest do you charge?

T: It depends on how long you take the loan out for. If you plan to pay it back within two years, the interest rate is six percent. A four-year deal works out to seven and a half percent.

貸款申請符合要求后，就該具體談談貸款的條款了，the terms of the loan. John想知道，what kind of interest do you charge? 貸款利率多少。Ted回答說，貸款利率高低取決于貸款時間的長短。如果是兩年還清，利率只要百分之六，如果是四年還清，則要百分之七點五。

J: I think two years should be fine. But six percent is a bit high. Is there any way to get a better rate?

T: Well, you've been a customer here for over a decade. I can't make any promises, but I'll try to get it down to five percent. How's that sound?

J: Five percent works for me. Ted, I can't thank you enough for your help.

T: Don't mention it! See you Friday.

John說，貸款兩年就應該可以還清，這一點沒有問題，但是他嫌百分之六的利率太高。John是銀行的老客戶，使用這家銀行的服務有十幾年了，Ted表示，對老客戶可以關(guān)照，I can't make any promises, 雖然不能保證做到，但是他會試試看把利率從百分之六降低到百分之五。John聽了很高興，說 Five percent works for me，百分之五我可以接受，并對 Ted 表示感謝，貸款就這樣談成了。