家庭理财实用对话及情景句(二)

1、家庭理财实用对话及情景句(二) jack: brian, my wife and i want to buy a new car. 杰克：布莱恩，我和我妻子想买辆新车。 brian: why? 布莱恩：为什么? jack: because a new car is more reliable and safer. 杰克：因为新车更安全可靠。 brian: you are right about that, but do you have enough money. 布莱恩：那倒是，可是你有那么多钱吗? jack: i dont, but i heard i could get a loan.

2、杰克：没有啊，听说可以货款。 brian: thats right. you can either go through the car dealer or apply to a bank yourself. 布莱恩：是的。你可以通过车行，或者自己到银行借。 jack: what do i need to show to get a loan? 杰克：货款要什么材料? brian: you need to give them your social security number, your pay stub from school, your bank account statement,

3、and your tax-return from last year. 布莱恩：他们要你的社会保障号、你学校的工资条、银行账户账单和你去年的报税单。 jack: i heard loan insurance is expensive. do i need to get that? 杰克：听说贷款保险很贵，我要买贷款保险吗? brian: if you pay 20% of the car price, you dont have to buy loan insurance. 布莱恩：你要是首付款付车价的20%，就不必买货款保险了。 jack: what about application fe

4、es and all that? 杰克：货款还要申请费等等，是吧? brian: you can ask different banks for interest rates and for the fee schedule, then pick the best one. 布莱恩：你可以问不同的银行，看他们的利率和费用如何，选一家最合适的。 jack: sounds good. ill get on it right now. 杰克：听起来不错，我马上就去办。 实用情景句型 1. because a new car is more reliable and safer. 因为新车更安全可靠。

5、 thats because a new car is much more reliable and safer. 因为新车更安全可靠。 because a new car is more dependable and safer. 因为新车更安全可靠。 this car is a real lemon. 这辆车真次。 it is a souped up car. 这是一部改装车。 2. i heard i could get a loan. 听说可以贷款。 its said that i could get a loan. 听说可以贷款。 ive got the news that i co

6、uld take a loan. 听说可以贷款。 please explain a balloon loan? 请给我说说气球式贷款是怎么回事? please explain an adjustable rate mortgage. 请跟我说说可调利率抵押贷款。 please explain an arm. 你们最佳利率是多少? what is your best interest rate? 我想要一笔可调利率抵押贷款。 please explain a fixed rate loan. 请解释一下固定利率贷款。 do you provide balloon loans? 你们提供气球式贷款

7、吗? id like to apply for a automobile equity loan. 我想申请一笔汽车贷款。 id like a self-amortizing loan term. 我想要一笔自动分期偿还贷款。 id like a variable interest rate mortgage. 我想要一笔可变利率抵押贷款。 id like an adjustable rate mortgage. 请解释一下可调利率抵押贷款。 id like to apply for an automobile mortgage. 我想申请汽车按揭。 3. you can either go

8、through the car dealer or apply to a bank yourself. 你可以通过车行，或者自己到银行借。 you can get the car and the mortgage from the car dealer or apply to a bank yourself. 你可以通过车行，或者自己到银行借。 the car dealer would help you or you can get a loan from the bank. 你可以通过车行，或者自己到银行借。 4. you need to give them your social secu

9、rity number, your pay stub from school, your bank account statement, and your tax-return from last year. 他们要你的社会安全号，你学校的工资条，银行账户账单，还有你去年的报税单。 but before applying, you have to choose a car and sign a contract with the car dealer. 不过您得先选购汽车并与汽车商签订购车合同，然后才可以申请。 if you want to buy a new car, you can get

10、 the loan for your car in our bank. 如果您想买新车，我们银行可以为您办理买车贷款的业务。 we need your and your wifes id card and residence booklet. 我们需要您和您妻子的身份证以及户口本。 after all of them are finished, we will inform you to make a contract. 等所有的程序完成后，我们将会与您签订贷款合同。 if you buy a private car, the maximum amount of the loan would

11、be 70% of the cars price. 如果购买自用车，贷款额度最高可达所购汽车价格的70%。 you should give me the application for car loans. 您还要给我购车贷款申请书。 5. i heard loan insurance is expensive. 听说贷款保险很贵。 we have to watch our spending. 我们得留意我们的开支。 we need to watch our money. 我们需要留意我们的收支情况。 we need to watch our pennies. 我们一定要精打细算。 weve

12、got to watch every dime. 我们得用好每一分钱。 we have to control our spending. 我们得控制支出。 we have to trim the budget. 我们得削减开支预算。 im on a strict budget. 我现在的预算是很紧的。 i cant afford that. 我付不起这个费用。 6. what about application fees and all that? 贷款还要申请费等等，是吧? ill dip into my savings. 我要动用储蓄了。 how much is this going to

13、 set me back? 这要耗费我多少钱啊? that cost a pretty penny. 这要花一大笔钱的。 that cost an arm and a leg. 这要一大笔钱开销的。 you spend money as if it were going out of style. 你花起钱来毫无节制。 you have business throwing money around like that. 你不该这样花钱似流水。 a penny saved is a penny earned, 省得一分就等于挣得一分。 penny wise, pound foolish. 小处精

14、明，大处糊涂。 you cant take it with you. 生不带来，死不带走。 money doesnt grow on trees. 钱不是生在树上，伸手去采摘就来了。 a fool and his money are soon parted. 傻瓜用钱，一会就完。 7. you can ask different banks for interest rates and for the fee schedule, then pick the best one. 你可以问不同的银行，看他们的利率和费用如何，选一家最合适的。 whats the interest rate? 利息是多少? hows the interest rate? 利息是多少? if the repayment period is longer than one year, the interest is charged at the interest rate of that year. 如