A：Hello, Sir, may I help you?
你好，先生，您需要什么服務(wù)?
B：Yes. I would like some information for requesting a loan.
我想了解些申請(qǐng)貸款的信息。
A：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.
好的，這是貸款政策的基本條款。全國(guó)范圍內(nèi)我們銀行的個(gè)人貸款利率是最低的。
B：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?
我明白。那我就直說(shuō)吧，如果我借1萬(wàn)美元，每個(gè)月我應(yīng)該還多少錢(qián)?
A：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!
主要取決于你還款的時(shí)間。如果我們以年利率百分之十貸款1萬(wàn)美元給你，為期48個(gè)月，你每月必須還一部分叫做基本額度，還有一小部分年利率。這當(dāng)然是在不考慮您拖欠還款的請(qǐng)款下計(jì)算的
B：It sounds good but, there is just one problem. I have a terrible credit score.
聽(tīng)起來(lái)不錯(cuò)，但是還有個(gè)問(wèn)題，我信用評(píng)分很差.
A：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.
那是個(gè)嚴(yán)重的問(wèn)題，銀行必須評(píng)估你的個(gè)人信息，過(guò)去貸款記錄，財(cái)產(chǎn)和其他相關(guān)信息，比如準(zhǔn)許你貸款的信用評(píng)分。
B：You know what? I don’t really need the money. Thanks anyways!
你知道嗎?我不真的很急需錢(qián)，無(wú)論如何，謝謝你。