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A:Hello, Sir, may I help you?

你好，先生，您需要什么服務？

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

我想了解些申請貸款的信息。

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.

這是貸款政策的基本條款。全國范圍內我們銀行的個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。那我就直說吧，如果我姐1萬美元，每個月我應該還多少錢？

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!

只要取決于你還款的時間。如果我們以年利率百分之十貸款1萬美元給你，為期48個月，你每月必須還一部分叫做基本貸款還有一小部分年利率。這當然是在不考慮您拖欠還款的請款下計算的。

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

聽起來不錯，但是還有個問題，我信用評分很差。

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.

那是個嚴重的問題，銀行必須評估你的個人信息，過去貸款記錄，財產和其他相關信息，比如準許你貸款的信用評分。

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，無論如何，謝謝你。