汽车消费贷款 The automobile consumer loan
- AExcuse me, is this the Auto Consumer Loan Center?
请问，这儿是汽车消费贷款中心吗？
- BYes. Is there anything I can do for you?
是啊。需要我为您做点什么事吗？
- ACould 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？
- BThe 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。
- AI plan to take the loan for 3 years.
我打算贷3年期。
- BWell, 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。
- AWhat about the loan repayment?
如何还款呢？
- BYou 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。
- ADoes 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？
- BExactly. 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。
- AThat's very thoughtful of you. Thank you so much.
贵行想得真是周到。非常感谢。
- BYou're welcome.
不客气。
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