聽力每日練習 listen 1172 Personal automobile consumer loan

 
2--Yes. Is there anything I can do for you?
 
1--Could you tell me something about the terms and interest rates for personal automobile consumer loan?
 
2--The deadline is normally no more than 5 years with the interest adopted according to the corresponding lending rates announced by the PBC.
 
1--I plan to take the loan for 3 years.
 
2--Well, the yearly interest rate is 5.49% for 3 years. I'm sure you are qualified to apply for this loan.
 
1--What about the loan repayment?
 
2--You 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.
 
1--Does 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?
 
2--Exactly. You are permitted to effect and early payment in part or in full with the consent of our bank.
 
1--That's very thoughtful of you. Thank you so much.
 
2--You're welcome.
 
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注解：
 
1.interest rates利率  
2.announced規(guī)定  
3.repayment償還債務(wù)

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譯文：

1--請問，這兒是汽車消費貸款中心嗎？
2--是啊。需要我為您做點什么事嗎？
1--請您告訴我個人汽車消費貸款的期限和利率情況好嗎？
2--按照規(guī)定，汽車消費貸款期限最長不超過5年，利率按中國人民銀行規(guī)定的同期同檔利率執(zhí)行。
1--我打算貸3年期。
2--3年期貸款年利率為5.49%。我相信您符合申請此項貸款的要求。
1--如何還款呢？
2--您可以和我行協(xié)商后選擇一種還款方式，例如選擇按月分期付款或等額支付本息。
1--是不是在每個月付款之前，我應(yīng)在賬戶上存入足夠的錢，以便責行能直接扣還貸款本金和利患？
2--正是這樣。經(jīng)我行同意，您可以部分或金額提前還貨。
1--貴行想得真是周到。非常感謝。
2--不客氣。