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高频英语口语对话 第432期:申请个人汽车消费贷款

时间：2016-07-11 01:39:33

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（单词翻译）

 unit 481

申请个人汽车消费贷款
dialogue
英语情景对话
A:Excuse me, is this the Auto1 Consumer Loan Center?
A:请问，这儿是汽车消费贷款中心吗？
B:Yes. Is there anything I can do for you?
B:是啊。需要我为您做点什么事吗？
A:Could you tell me something about the terms and interest rates for personal automobile2 consumer loan?
A:请您告诉我个人汽车消费贷款的期限和利率情况好吗？
B:The deadline is normally no more than 5 years with the interest adopted according to the corresponding lending rates announced by the PBC.
B:按照规定，汽车消费贷款期限最长不超过5年，利率按中国人民银行规定的同期同档利率执行。
A:I plan to take the loan for 3 years.
A:我打算贷3年期。
B:Well, the yearly interest rate is 5.49% for 3 years. I'm sure you are qualified3 to apply for this loan.
B:3年期贷款年利率为5.49%。我相信您符合申请此项贷款的要求。
A:What about the loan repayment4?
A:如何还款呢？
B:You may choose a repayment pattern by consulting with our bank, for example, payment of equal amount of principal or of principal and interest on monthly installments5.
B:您可以和我行协商后选择一种还款方式，例如选择按月分期付款或等额支付本息。
A:Does that mean I should deposit sufficient money to my account prior to the monthly payment date so that you can directly deduct6 the repayment of the principal and interest?
A:是不是在每个月付款之前，我应在账户上存入足够的钱，以便责行能直接扣还贷款本金和利患？
B:Exactly. You are permitted to effect and early payment in part or in full with the consent of our bank.
B:正是这样。经我行同意，您可以部分或金额提前还货。
A:That's very thoughtful of you. Thank you so much.
A:贵行想得真是周到。非常感谢。
B:You're welcome.
B:不客气。

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1 auto ZOnyW     
n.(=automobile)(口语)汽车
参考例句：
  • Don't park your auto here.别把你的汽车停在这儿。
  • The auto industry has brought many people to Detroit.汽车工业把许多人吸引到了底特律。
2 automobile rP1yv     
n.汽车，机动车
参考例句：
  • He is repairing the brake lever of an automobile.他正在修理汽车的刹车杆。
  • The automobile slowed down to go around the curves in the road.汽车在路上转弯时放慢了速度。
3 qualified DCPyj     
adj.合格的，有资格的，胜任的，有限制的
参考例句：
  • He is qualified as a complete man of letters.他有资格当真正的文学家。
  • We must note that we still lack qualified specialists.我们必须看到我们还缺乏有资质的专家。
4 repayment repayment     
n.偿还，偿还款；报酬
参考例句：
  • I am entitled to a repayment for the damaged goods.我有权利索取货物损坏赔偿金。
  • The tax authorities have been harrying her for repayment.税务局一直在催她补交税款。
5 installments 7d41ca7af6f495d8e3432f8a4544f253     
部分( installment的名词复数 )
参考例句：
  • The first two installments were pretty close together in 1980. 第一次和节二次提款隔得很近，都是在1980年提的。
  • You have an installments sales contract. 你已经订立了一份分期付款的买卖契约了。
6 deduct pxfx7     
vt.扣除，减去
参考例句：
  • You can deduct the twenty - five cents out of my allowance.你可在我的零用钱里扣去二角五分钱。
  • On condition of your signing this contract,I will deduct a percentage.如果你在这份合同上签字，我就会给你减免一个百分比。

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