07 理财(7/7)
n i do for you?
银行职员：早上好，先生。您需要办理什么业务？
karl: i want to borrow two hundred thousand yuan. does your bank have such loan plan?
卡尔：我想贷20万元。请问贵行有这类贷款计划吗？
bank clerk: oh, yes. can you tell me what would you like to use it for?
银行职员：哦，有的。能告诉我你贷款是做什么用吗？
karl: i want to buy a car to facilitate my life,but i don't have enough money.
卡尔：我想买辆车以方便生活，但是我现在还没有足够的钱。
bank clerk: i see. would you mind telling me your monthly or annual salary?
银行职员：我知道了。能告诉我您的月薪或者年薪是多少吗？
karl: my annual salary is 100 000 yuan. by the way, what about the interest rate?
卡尔：我的年薪是10万元。顺便问一下，利率是多少啊？
bank clerk: it depends how long you'll pay off the loan.
银行职员：这取决于你的还款年限。
karl: what if i choose to clear off it in 5 years?
卡尔：假如我打算5年还清呢？
bank clerk: it's 6.45 % for five-year loan. ok, sir. we'll consider supplying you a loan. please fill out this loan application first and bring the material about your income and credit rating next time.
银行职员：5年贷款利率是6.45%。好的，先生，我们会考虑贷款给您的。请先填写这份贷款申请表，下次来时请带上与您的收入和信用等级相关的材料。
karl: ok, i will. thank you.
卡尔：好的，我会的。谢谢。
bank clerk: my pleasure.
银行职员：很乐意为您效劳。
notes
1. facilitate[f?'siliteit] v. 使变得（更）容易，使便利
2. annual salary年薪
3. credit rating信用评级
小贴士
贷款程序简述：
1. acceptance 受理
2. primary auditing 初审
3. appraisal 评估
4. checkup and approval 审查审批
5. joint assessment 联合评审
6. granting loan 发放贷款
银行职员：早上好，先生。您需要办理什么业务？
karl: i want to borrow two hundred thousand yuan. does your bank have such loan plan?
卡尔：我想贷20万元。请问贵行有这类贷款计划吗？
bank clerk: oh, yes. can you tell me what would you like to use it for?
银行职员：哦，有的。能告诉我你贷款是做什么用吗？
karl: i want to buy a car to facilitate my life,but i don't have enough money.
卡尔：我想买辆车以方便生活，但是我现在还没有足够的钱。
bank clerk: i see. would you mind telling me your monthly or annual salary?
银行职员：我知道了。能告诉我您的月薪或者年薪是多少吗？
karl: my annual salary is 100 000 yuan. by the way, what about the interest rate?
卡尔：我的年薪是10万元。顺便问一下，利率是多少啊？
bank clerk: it depends how long you'll pay off the loan.
银行职员：这取决于你的还款年限。
karl: what if i choose to clear off it in 5 years?
卡尔：假如我打算5年还清呢？
bank clerk: it's 6.45 % for five-year loan. ok, sir. we'll consider supplying you a loan. please fill out this loan application first and bring the material about your income and credit rating next time.
银行职员：5年贷款利率是6.45%。好的，先生，我们会考虑贷款给您的。请先填写这份贷款申请表，下次来时请带上与您的收入和信用等级相关的材料。
karl: ok, i will. thank you.
卡尔：好的，我会的。谢谢。
bank clerk: my pleasure.
银行职员：很乐意为您效劳。
notes
1. facilitate[f?'siliteit] v. 使变得（更）容易，使便利
2. annual salary年薪
3. credit rating信用评级
小贴士
贷款程序简述：
1. acceptance 受理
2. primary auditing 初审
3. appraisal 评估
4. checkup and approval 审查审批
5. joint assessment 联合评审
6. granting loan 发放贷款