问一些关于贷款的事情，贷款政策有哪些条款

问一些关于贷款的事情，贷款政策有哪些条款
 
来听今天的讲解:
 
A: Hello, sir. May I help you?
 
先生您好，需要帮忙吗？
 
B: Yes, I would like some information for requesting a loan.
 
是的，我想问一些关于贷款的事情。
 
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，这是我们贷款政策的一般条款。我们自信在国家个人贷款上，我们公司的贷款利率是最低的。
 
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，那我就直说了，比方说我借1万美元的话，我一个月要付多少？
 
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.
 
这要取决于您的还款时间。如果我们贷给您的1万元是48月期10%的年利率，那么您每个月则需要支付一部分的贷款本金和另一年的小部分利率。当然这是考虑您不拖欠贷款的情况下。
 
B: It sounds good. But there is just one question. I have a terrible credit score.
 
听起来不错，但是只有一个问题，我的信用评分很差。
 
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.
 
这个问题很严重，您明白的，银行必须评估您的个人信息，过去的贷款情况、个人资产以及其他相关信息，比如说您的信用评分，才能给您贷款。
 
B: You know what? I don't really need the money. Thanks anyway!
 
你知道吗？我其实不需要这些钱。无论如何，谢谢你。