向银行申请贷款的英语对话

我们买房、买车等钱款不够时,我们可以考虑向银行贷款,下面小编为大家整理的向银行申请贷款的英语对话，希望对大家有用!

向银行申请贷款的英语对话

A：Are you the loan-officer of this bank?

B：I certainly am. What can I do for you?

A：I was wondering if I could ask you some questions about a loan I want to make.

B：Certainly. Please take a seat.

A：Thank you. I've bought an apartment and I want to apply for a mortgage loan.

B：Congratulations. We have 15-year，20-year and 30-year fixed rate mortgage.We also have the adjustable rate mortgage.Which one do you prefer?

A：It depends on(取决于)(depend on)the rates.Can you tell me details of prepay-ments arrangement during the repayment period?

B：Sure. Any partial prepayment can be arranged once monthly repayments have begun.Moreover, the amount prepaid should be over 15%of the total outstanding loan.Here's our document about the rates.

A：OK. Do I have to pay any handling charges?

B：No, it is free of charge(免费，不收费).

参考译文

A：请问你是不是这家银行办理贷款的人员?

B：是的。有什么要我帮忙的吗?

A：我想知道，我是不是可以问你一些办理贷款的问题?

B：当然可以，请坐。

A：谢谢你。我买了套房子，我想申请按揭贷款。

B：恭喜。我们有15年、20年和30年的定息按揭，还有可调息按揭，您更喜欢哪一种呢?

A：那取决于利率，你能告诉我在还款期内提前还款的手续，可以吗?

B：当然可以，只要您开始每月供款，就可以安排提早还款的。但偿还款额应不少于未偿还款额的15%。这是我们利率文件。

A：好的。那我需要付手续费吗?

B：不需要。这是免费的。