银行英语情景口语 第168期:个人消费信贷 个人质押贷款(4)

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这里是IBJ银行，我是Maria。我能如何为您效劳?

B: Hello,I called earlier regarding interest rates on loans. Sorry, I just have a couple more questions.

你好，我之前来过电话，是关于贷款利率的。对不起，我还有几个问題。

A: I'm here to help. Tell me your questions and I'll do my best to answer them.

我的工作就是为了帮助您。请告诉我您的问题，我会尽我所能来回答您。

B: What if I require a loan for a short period of time?

假如我需要短期贷款，怎么办呐?

A: What repayment period were you thinking of?

您所考虑的还款期是什么时候?

B: Say,6 months? Or less in fact. I want to repay the loan ASAP;I don't like debt hanging over my head.

比如说，6个月?实际上或许更短些。我想要尽快偿还贷款，我不喜欢债务缠身。

A: A wise decision. If you decide to take out a short-term loan with us，say for 6 months or less, the interest rate shall be for that of a 6-month loan.

这是个明智的决定。如果您决定在我们这里办短期贷款的话，比如说6个月或更短，利率按6个月期贷款的利率计算。

B: What if I repay it early. Any perks?

要是我提前还款的话，会怎么样呢。有什么优惠吗?

A: Well, we could adjust the interest rate based on the original rate and the amount of days you actually borrowed the money for.

嗯，我们可以调整利率，基于原先确定的利率值和您实际借款的天数来计算。

B: So, the quicker I pay it back, the more I can save in interest? That's excellent. Thanks so much for your information. I'll come in shortly to take the relevant steps for the loan.

所以，还款越快，就可以节省越多的利息?好极了。非常感谢你提供的信息。我不久会来办理与贷款有关的手续。

A: It's our pleasure. We are always happy to have another satisfied customer. Thanks for calling. Goodbye.

这是我应该做的。我们非常高兴又多了一个满意的客户。谢谢来电。 再见。