Asking For A Loan

Hello Sir may I help you?

您好，先生，有什么可以帮您的吗？

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

是的，我想咨询一下申请贷款的信息。

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，这是我们贷款政策的基本条款。我们以拥有全国最低的个人贷款利率而自豪。

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?

我明白了。那么我想确认一下，假如我借一万美元，每个月需要还多少钱？

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!

这取决于你多久还清。如果我们以一万美元本金、年利率10%、分48个月还款，那么你每个月需要偿还一部分本金和一小部分年利息。当然，这是假设你没有逾期还款！

It sounds good but, there is just one problem. I have a terrible credit score.

听起来不错，但有一个问题，我的信用评分很差。

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.

这是一个很严重的问题。你看，银行必须评估你的个人信息、过往贷款、资产以及任何其他相关信息，比如你的信用评分，才能批准你的贷款。

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

你知道吗？其实我不太需要这笔钱。不过还是谢谢你！