向银行贷款英语对话

当我们买房、买车等钱款不够时,我们可以考虑向银行贷款,虽然向银行多付了不少利息,但这样就能圆了我们的住房梦、汽车梦;下面小编为大家整理的向银行贷款英语对话，希望对大家有用!

向银行贷款英语对话

A:Hello.Mr.Tang.Is there anything I can do for you?

B:Yes,please.I'm planning to buy a villa in Sunshine Estates in Hangzhou,but I'm short of money.So I'd like to know something about mortgage loans.Could you give me such information?

A:Yes.Our bank usually lends money on certain conditions.

B:What are the conditions then?

A:First,our bank offers loans to our long standing clients.Secondly,the house you want to buy is less than five years old.Thirdly,our bank generally lends sixth percent of the bank's appraised value of the house on a ten year mortgage.

B:I've been keeping banking relations with your bank since 1980.So I can meet the first condition,can't I?As for the second condition,the house I want to buy is only three years old.And I can agree to the third condition.

A:Very good.So you can fill out this application first.

B:Here you are.What else should I do?

A:Oh,it takes some time to complete a mortgage loan transaction.And here's our mortgage loan booklet which explains all the necessary things.

B:Thank you.

A:Our bank will go and see the villa you want to buy to appraise the value next Monday.

B:Fine,I'll be ready.By the way,what's the interest rate on mortgage loans?

A:It's about one point six percent for a long standing customer.

B:I see.Good bye.

A:Good bye.

A:您好，唐先生。有什么我能为您效劳的吗?

B:您好。我打算在杭州购买一套由阳光房地产公司推出的别墅，但是手头钱不够。我来是想咨询一下有关房屋按揭贷款信息的，您能提供一些信息吗?

A:当然可以。我行通常按照一定的条件来提供贷款。

B:这些条件怎样呢?

A:首先我们只向长期客户提供这项贷款。其实，您所购买的房屋从建成到现在不得超过5年。最后，我们一般只提供相当于房屋评估价格60%的贷款，按揭期限为10年。

B:我从1980年开始就一直与贵行保持业务联系，所以第一项条件我没问题，对吗?我要购买的房屋才建成3年，也符合第二项条件。对于第三项，我完全同意。

A:太好了。那请您先填写一下这张申请表。

B:好，给您。还有什么我要做的呢?

A:那还要花点时间完成按揭贷款手续。这是我们的按揭贷款手册，上面详细介绍了应该办的手续。

B:多谢。

A:我们会在下周一派人去评估您所要购买的别墅。

B:那好，我会做好准备。顺便问一下，按揭贷款的利息是多少?

A:我们对长期客户收取的利息大约是16%。

B:我清楚了。那回头见。

A:再见。