银行英语情景口语 第178期:个人消费信贷 个人汽车消费贷款(2）

 　　A: Consumer Credit Department. How may I help you?

　　这里是消费信贷部。我能如何为您效劳？

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

　　我需要了解一些关于汽车消费贷款的信息。比如像偿还期、利率等等诸如此类的事情，拜托了。

　　A: Certainly. Do you currently bank with us?

　　当然可以。您目前在我们这里开户了吗？

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

　　是的，我开户了。我已经在你们这里开了一个活期存款账户，领了一张信用卡，还办理过按揭。

　　A: That's excellent. Well, for our Personal Automobile¹ Consumer Loan we offer some really competitive rates. The maximum repayment² period for this type of loan is 5 years.

　　太棒了。嗯，我们为我们的个人汽车消费贷款制定了一个特别具有竞争力的利率。这种类型贷款的最长还款期限为5年。

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

　　我打算在两年内偿还贷款。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%.

　　当然啦，利率取决当时公布的利率值，但目前两年期贷款的利率为5.29% o

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

　　所以利率是浮动的啦？好吧，行啊。还款的频度是如何规定的？

　　A: We usually set up a direct debit³ system taking installments⁴ 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.

　　我们通常会用直接借记的方式每月直接从您的银行账户中划出分期支付的款额。既然您已经是我们的重要客户了，在处理您的这份贷款申请时，不应该有任何麻烦。

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

　　好啊，挺容易的嘛。谢谢你，占用你的时间啦。

1 automobile   

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。

2 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。

3 debit   

n.借方，借项，记人借方的款项

参考例句：

• To whom shall I debit this sum?此款应记入谁的账户的借方？
• We undercharge Mr.Smith and have to send him a debit note for the extra amount.我们少收了史密斯先生的钱，只得给他寄去一张借条所要欠款。

4 installments   

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。