英语播客EnglishPod 491

 B:     Hello Sir may I help you?

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

 B:    Very  well,  here  arethe  general  termsof  our  loan
        policies.  We pride ourselves in having the lowest
        interest rate inthe country for personal loans.

 A:     I see.  So let me get this straight.  If I borrow let’s
       say, ten thousand dollars, how much will I have to
        pay each month?

 B:     It  depends  on  how  long  you  take  to  pay  it  back.
        If we lend you ten thousand dollars at an annual
        interest rate of ten percent for forty eight months,
       you would have to pay each month a portion ofthe
        loan which is called the principal and another
       small  portion  ofthe  annual  interest  rate. This  of
       course is considering that you don’t default on a
        payment!

 A:     It  sounds  good  but,  there  is  just  one  problem.   I
        have a terrible credit score.
 B:    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 scorein order to approve your
       loan.

 A:    You know what? I don’t really need the money.
       Thanks anyways!