贷款咨询
在银行咨询个人贷款或房贷的条件和利率本场景包含 8 句对话，1 条练习路径，帮你练熟和贷款顾问的真实交流。
对话预览
贷款基本咨询
basicHi, I'd like to inquire about getting a personal loan. What are your current rates?
你好，我想咨询个人贷款。你们现在的利率是多少？
Our personal loan rates currently range from seven point nine nine to fifteen point nine nine percent APR, depending on your credit score and the loan amount. How much are you looking to borrow?
我们的个人贷款利率目前在7.99%到15.99%之间，取决于您的信用评分和贷款金额。您想借多少？
I'm thinking about ten thousand dollars. What would my monthly payments look like?
我想借10,000美元左右。每月还款大概多少？
For ten thousand at our best rate over a three-year term, your monthly payment would be around three hundred and thirteen dollars. Over five years, it'd be about two hundred dollars a month but you'd pay more in total interest.
10,000美元按我们最优利率、三年期的话，每月还款大约313美元。五年期的话大约每月200美元，但总利息会更多。
What credit score do I need to qualify?
需要多少信用评分才能申请？
常见的信用评分体系范围是 300-850，670 以上算 good，740 以上算 excellent，贷款最低通常要求 580-620。不同国家和机构的评分标准会有差异。
We generally require a minimum credit score of six-twenty for personal loans. A score above seven hundred would qualify you for our best rates. We also look at your debt-to-income ratio and employment history.
个人贷款我们一般要求最低信用评分620。700以上可以享受最优利率。我们还会看您的债务收入比和工作经历。
Is there any penalty for paying off the loan early?
提前还清贷款有罚金吗？
No, we don't charge any prepayment penalties. You can pay off the loan early at any time with no extra fees. That actually saves you money on interest. Would you like to start an application?
不会，我们不收提前还款罚金。您可以随时提前还清，没有额外费用。提前还清还能省利息。您想开始申请吗？
关键短语
personal loan rates
个人贷款利率
depending on
取决于
borrow
借款
monthly payment
每月还款
term
贷款期限
total interest
总利息
minimum credit score
最低信用评分
debt-to-income ratio
债务收入比
employment history
工作经历
prepayment penalties
提前还款罚金
pay off the loan early
提前还清贷款
saves you money on interest
省利息
文化注释
- •常见的信用评分体系范围是 300-850，670 以上算 good，740 以上算 excellent，贷款最低通常要求 580-620。不同国家和机构的评分标准会有差异。
如何练习
听一遍
先完整听一遍，熟悉对话节奏和语境。
逐句跟读
模仿发音、语调和节奏，一句一句跟。
角色扮演
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