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汽车消费贷款 The automobile consumer loan

所属分类:贷款语音:美音难度:初级
A
Excuse me, is this the Auto Consumer Loan Center?

请问,这儿是汽车消费贷款中心吗?

B
Yes. Is there anything I can do for you?

是啊。需要我为您做点什么事吗?

A
Could you tell me something about the terms and interest rates for personal automobile consumer loan?

请您告诉我个人汽车消费贷款的期限和利率情况好吗?

B
The deadline is normally no more than 5 years with the interest adopted according to the corresponding lending rates announced by the PBC.

按照规定,汽车消费贷款期限最长不超过5年,利率按中国人民银行规定的同期同档利率执行。

A
I plan to take the loan for 3 years.

我打算贷3年期。

B
Well, the yearly interest rate is 5.49% for 3 years. I'm sure you are qualified to apply for this loan.

3年期贷款年利率为5.49%。我相信您符合申请此项贷款的要求。

A
What about the loan repayment?

如何还款呢?

B
You may choose a repayment pattern by consulting with our bank, for example, payment of equal amount of principal or of principal and interest on monthly installments.

您可以和我行协商后选择一种还款方式,例如选择按月分期付款或等额支付本息。

A
Does that mean I should deposit sufficient money to my account prior to the monthly payment date so that you can directly deduct the repayment of the principal and interest?

是不是在每个月付款之前,我应在账户上存入足够的钱,以便贵行能直接扣还贷款本金和利患?

B
Exactly. You are permitted to effect and early payment in part or in full with the consent of our bank.

正是这样。经我行同意,您可以部分或全额提前还货。

A
That's very thoughtful of you. Thank you so much.

贵行想得真是周到。非常感谢。

B
You're welcome.

不客气。

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