英语播客初级版 第162期(外教讲解):申请贷款

B : Hello, Sir, may I help you?

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

B : Very well, here are the general terms of our loan policies. We pride ourselves in having the lowest interest rate in the 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 of the loan which is called the principal and another small portion of the 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 score in order to approve your loan.

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

general terms基本条款，基本原则

interest rate 利率

One of the major banks has lowered its interest rate.

有一家大银行已降低了利率。

Credit score 信用评分

【拓展词汇】

mortgage n.抵押

mortgage broker贷款中间人,抵押放款经纪人

mortgage lender/banker抵押贷款

foreclosure n.抵押品赎回权的取消

creditor n.债权人;贷方

B: 你好，先生，您需要什么服务?

A: 我想了解些申请贷款的信息。

B: 这是贷款政策的基本条款。全国范围内我们银行的个人贷款利率是最低的。

A: 我明白。那我就直说吧，如果我姐1万美元，每个月我应该还多少钱?

B: 只要取决于你还款的时间。如果我们以年利率百分之十贷款1万美元给你，为期48个月，你每月必须还一部分叫做基本贷款还有一小部分年利率。这当然是在不考虑您拖欠还款的请款下计算的。

A :听起来不错，但是还有个问题，我信用评分很差。

B: 那是个严重的问题，银行必须评估你的个人信息，过去贷款记录，财产和其他相关信息，比如准许你贷款的信用评分。

A: 你知道吗?我不真的很急需钱，无论如何，谢谢你。