問(wèn)一些關(guān)于貸款的事情，貸款政策有哪些條款

問(wèn)一些關(guān)于貸款的事情，貸款政策有哪些條款
 
來(lái)聽(tīng)今天的講解:
 
A: Hello, sir. May I help you?
 
先生您好，需要幫忙嗎？
 
B: Yes, I would like some information for requesting a loan.
 
是的，我想問(wèn)一些關(guān)于貸款的事情。
 
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，這是我們貸款政策的一般條款。我們自信在國(guó)家個(gè)人貸款上，我們公司的貸款利率是最低的。
 
B: I see. So let me get this straight. If I borrow, let's say 10,000 dollars, how much will I have to pay each month?
 
我知道了，那我就直說(shuō)了，比方說(shuō)我借1萬(wàn)美元的話，我一個(gè)月要付多少？
 
A: It depends on how long you take to pay it back. If we lend you 10,000 dollars at an annual interest rate of 10% for 48 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.
 
這要取決于您的還款時(shí)間。如果我們貸給您的1萬(wàn)元是48月期10%的年利率，那么您每個(gè)月則需要支付一部分的貸款本金和另一年的小部分利率。當(dāng)然這是考慮您不拖欠貸款的情況下。
 
B: It sounds good. But there is just one question. I have a terrible credit score.
 
聽(tīng)起來(lái)不錯(cuò)，但是只有一個(gè)問(wèn)題，我的信用評(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.
 
這個(gè)問(wèn)題很嚴(yán)重，您明白的，銀行必須評(píng)估您的個(gè)人信息，過(guò)去的貸款情況、個(gè)人資產(chǎn)以及其他相關(guān)信息，比如說(shuō)您的信用評(píng)分，才能給您貸款。
 
B: You know what? I don't really need the money. Thanks anyway!
 
你知道嗎？我其實(shí)不需要這些錢。無(wú)論如何，謝謝你。