銀行英語情景口語 第166期:個人消費信貸 個人質押貸款(2)

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這里是貸款部，我能如何為您效勞?

B: Hello. Could you give me some details about your Personal Pledge Loans, please?

你好。請你給我介紹一些有關你們的個人質押貸款的詳細情況，好嗎?

A: Certainly, Sir. I'd be happy to. The Personal Pledge Loan is a loan secured by undue certificates,Time Deposits, for example, or Visible Treasury Bonds.

當然可以，先生。我很樂意為您說明。個人質押貸款是一種憑未到期儲蓄存單，例如定期存款，或憑證式國請做質押的貸款。

B: So, as long as I have one of those, I can apply for a Personal Pledge Loan?

所以，只要我有其中的一種，我就可以申請個人質押貸款啦?

A: That's correct, Sir. The bank will issue receipt to you and also take care of all the pledged securities.

對，先生。銀行將為您出具質押品保管收據(jù)，并且也保管您的質押品。

B: Hmmm ... how about the period of repayment?

%償還期是如何定的?

A: The maximum maturity period is a year, but it also cannot exceed the maturity on the certificates used as collateral.

最長期限是一年，但它也不能超過質押存單的到期曰。

B: And the maximum loan amount?

還有，最高的貸款金額是多少?

A: The initial amount is just 2,000 RMB, but we can go up to 100,000 RMB. But remember, it cannot exceed the amount on the certificates you are using as collateral.

貸款起點額度只有2000元，而我們可以最多貸出100000元。但請記住，它不能超出作為質押品的存單面額。

B: OK. I'll have a look at what I've got exactly in certificates and get back to you. Thanks for your help. Bye.

好的。我要看看我的存單上到底有多少錢，然后再回你們這里來。謝謝你的幫助。再見。

A: My pleasure, Sir. Bye.

很高興為您服務，先生。再見。