Certainly， sir. I’d be happy to. The personal pledge loans is a loan secured by under certificates. Time deposits， for example， or visible treasury bonds.
当然可以，先生。我很乐意为您说明。个人质押贷款是一种凭未到期储蓄存单，例如，定期存款，或凭证式国债做质押的贷款。
So， as long as I have one of those， I can apply for a personal pledge loans？
所以，只要我有其中的一种，我就可以申请个人质押贷款啦？
That’s correct， sir. The bank will issue receipt to you and also take care of all the pledged securities.
对，先生。银行将为您出具质押品保管收据，并且为您保管你的质押品。
Hmmm...how about the period of the repayment？
恩……偿还期是如何定的？
The maximum maturity period is a year， but it also cannot exceed the maturity on the certificates used as collateral.
最长期限是一年，但它也不能超过质押存单的到期日。
And the maximum loan amount？
还有，最高的贷款金额是多少？
The initial amount is just 2，000 RMB， but we can go up to 100，000 RMB. But remember， it cannot exceed the amount in the certificates you are using as collaterals.
贷款起点额度只有两千元，而我们最多可以贷出十万元。但请记住，额度不能超出作为质押品的存单金额。
OK. Sorry， I just have a couple more questions.
好的。对不起，我还有几个问题。
I’m here to help. Tell me your questions and I’ll do my best to answer them.
我的工作就是为了帮助您。请告诉我您的问题，我会尽我所能来回答您。
What if I require a loan for a short period of time？
假如我需要短期贷款，怎么办呢？
What repayment period were you thinking of？
您所考虑的还款期是多久？
Say， 6 months？Or less in fact. I want to repay the loan ASAP. I don’t like debt hanging over my head.
比如说，6个月？实际上或许更短些。我想要尽快偿还贷款，我不喜欢债务缠身。
A wise decision. If you decide to take out a short-term loan with us， say for 6 months or less， the interest rate shall be for that of a 6-month loan.
只是一个明智的决定。如果您决定在我们这里办短期贷款的话，比如说，6个月或许更短，利率按6个月贷款的利率计算。
What if I pay it early. Any perks？
要是我提前还款的话，会怎么样呢。有什么优惠吗？
Well， we could adjust the interest rate based on the original rate and the amount of days you actually borrowed the money for.
恩，我们可以调整利率，基于原先确定的利率值和您实际借款的天数来计算。
So， the quicker I pay it back， the more I can save interest？ That’s excellent. Thanks so much for information. I’ll come in shortly to take the relevant steps for the loan.
所以，我还款越快，就可以节省越多的利息？好极了，非常感谢你提供的信息。我不久会来办理与贷款相关的手续。
It’s our pleasure. We are always happy to have another satisfied customer.
这是我应该做的。我们非常高兴又多了一个满意的客户。
正式用语 VS 非正式用语
中文 非正式聊天用语 正式聊天用语
中文 非正式聊天用语 正式聊天用语
非常感谢你提供的信息。 Thanks so much for your information. Thanks very much for the information you provided.
我们可以调整利率，基于原先确定的利率值. We could change the interest rate according to the original rate. We could adjust the interest rate based on the original rate.
您所考虑的还款期是多久？ What do you think about the repayment period？ What repayment period were you thinking of？
请告诉我您的问题，我会尽我所能来回答您。 Tell me your questions and I’ll do my best to answer them. Please inform me of your problems and I’ll do what I can to answer them.
我还有几个问题。 I just have a couple more questions. I have several more questions to ask.
请给我介绍一些有关你们的个人质押贷款的详细情况，好吗？ Can you introduce your Personal Pledge Loans， please？ Could you give me some details about your Personal Pledge Loans， please？
偿还期是如何定的？ How about the period of repayment？ How to decide the period of repayment？
我的信用很好。 My credit is good. I have a good reputation about my credit.
我们将根据您的信用等级、偿还能力作出最终决定。 We will finally decide according to your credit rating and your payment capability. We will come to our final decision based on your credit rating and your payment capability.
我们的信用等级没有任何问题。 We have no problems with our credit rating. There is nothing to worry about our credit rating.
我想知道你们提供什么样的固定资产贷款？ I want to know what kind of fixed asset loans you have？ I was wondering what kind of fixed asset loans you provide？
我想咨询一下有关临时贷款的事宜. I want to ask about a temporary loan. I’d like to inquire about a temporary loan.
我想尽快付清按揭贷款。 I want to pay off my mortgage as soon as I can. I would like to get my mortgage paid off as soon as possible.
它是专为针对初次购房者的。 It’s especially for first-time-buyers. It is designed especially for first-time-buyers.
请告诉我您想要什么样的房子？ Can you tell me what kind of property you want？ Could you inform me what kind of property you are looking for？
现在有谁能和我谈谈具体的内容吗？ Who has time to talk it with me in detail？ Is there anyone available I can talk about this with in more detail？
重点词汇解析
1. loan [l？un] vt. 借出 n. 借出；借出物；借款
【例句】We obtained a loan from the bank.
我们得到一笔银行贷款。
2. wallet [‘w？lit] n. （放钞票、信用卡的）钱夹，皮夹；（携带文件用的）皮夹，塑料夹，硬纸夹
【例句】Someone has stolen my wallet from my back pocket.
有人从我的后口袋偷走了皮夹子。
3. array [？’rei] n. 展示，陈列；数组，阵列 vt. 整队；盛装，打扮，装饰
【例句】He was unable to escape the array of facts.
他无法躲避一连串的事实。
4. debt [det] n. 债，债务，欠他人的东西
【例句】You are swimming in debt.
你深陷于债务之中。
英语加油站：每天读点英语经典
There is no female Mozart because there is no female Jack the Ripper.
——Camille Paglia
没有莫扎特一样的女人，是因为没有像开膛手杰克一样的女人。
——卡米尔·帕格利亚
One has to be able to count if only fifty so that， one doesn’t marry a girl of twenty.
——Maxim Gorky
一个人只要有能从一数到五十的智慧，就不会娶一个二十岁的女孩。
——马克西姆·高尔基
Women want mediocre men， and men are working hard to be as mediocre as possible.
——Margaret Mead
女人们喜欢平庸的男人，而男人们正在努力使自己变得更加平庸。
——玛格丽特·米德
A woman is always a fickle， unstable thing.
——Virgil
女人们是一种喜怒无常，极不稳定的生物。
——维吉尔
People marry for a variety of reasons and with varying results. But to marry for love is to invite inevitable tragedy.
——James Branch Cabell
人们为了许多不同的原因结婚，也有不同的结果。但是为了爱情结婚，等于是开始了无可避免的悲剧。
——詹姆斯·布朗奇·卡贝尔
I believe women still face a glass ceiling that must be shattered.
——Andrew Cuomo
我相信女人们仍然需要打破头顶上的天窗。
——安德鲁·库默
I measure the progress of a community by the degree of progress which women have achieved.
——B. R. Ambedkar
我用一个社会中女人们所取得的成就，来衡量这个社会的发展程度。
——B. R. 安贝德卡尔
