三角洲通訊公司老板John Smith到銀行申請(qǐng)貸款，接待他的是銀行負(fù)責(zé)人Ted Johnson。史密斯想申請(qǐng)個(gè)人貸款，用來(lái)修建公司的新倉(cāng)庫(kù)。Ted Johnson說(shuō)，除了需要物品抵押外，還有一個(gè)要求。
T: I know this can be a problem, but we generally require at lease one guarantor.
我知道這會(huì)是個(gè)問題，但是我們通常要求只要一個(gè)擔(dān)保人。
J: Hummm... what kind of person would be best, a relative or a business associate?
嗯，什么樣人可以是擔(dān)保人，一個(gè)親戚還是一個(gè)生意伙伴？
T: Either one is OK, but most people pick a relative because it's usually a little easier.
都行，但是多數(shù)人選擇親戚因?yàn)檫@樣比較簡(jiǎn)單。
J: OK...I'm sure my brother won't mind helping me out.
嗯，好的，我確信我的哥哥不會(huì)介意做我的擔(dān)保人的。
Ted說(shuō)，一般情況下，銀行還要求至少要有一個(gè)貸款擔(dān)保人，guarantor, g-u-a-r-a-n-t-o-r guarantor，是擔(dān)保人的意思，可以是a relative，親屬，也可以是a business associate，生意上的伙伴。John想了想了說(shuō)，I'm sure my brother won't mind helping me out，我哥哥一定不介意幫我。mind doing something，是介意做某事的意思；to help someone out，指幫某人的忙。
T: Good. So finally we need to discuss the terms of the loan.
好的，所以最后，我們需要談?wù)勝J款的條款。
J: What kind of interest do you charge?
你們收多少貸款利率？
T: It depends on how long you take the loan out for. If you plan to pay it back within two years, the interest rate is six percent. A four-year deal works out to seven and a half percent.
這個(gè)取決于貸款時(shí)間的長(zhǎng)短。如果你打算兩年內(nèi)還的，貸款利率是6%。一個(gè)四年還清的貸款則要7.5%。
貸款申請(qǐng)符合要求后，就該具體談?wù)勝J款的條款了，the terms of the loan. John想知道，what kind of interest do you charge? 貸款利率多少。Ted回答說(shuō)，貸款利率高低取決于貸款時(shí)間的長(zhǎng)短。如果是兩年還清，利率只要百分之六，如果是四年還清，則要百分之七點(diǎn)五。
J: I think two years should be fine. But six percent is a bit high. Is there any way to get a better rate?
我認(rèn)為兩年期的挺好的。但是6%的貸款利率有點(diǎn)高。有什么方法可以是第一點(diǎn)的貸款利率嗎？
T: Well, you've been a customer here for over a decade. I can't make any promises, but I'll try to get it down to five percent. How's that sound?
嗯，你已經(jīng)十年都是這里的老客戶了。我雖然不能保證，但是我會(huì)盡可能幫你降到5%的。這樣怎么樣？
J: Five percent works for me. Ted, I can't thank you enough for your help.
5%對(duì)我來(lái)說(shuō)挺好的。泰德，太感謝你了。
T: Don't mention it! See you Friday.
沒關(guān)系！周五見。
John說(shuō)，貸款兩年就應(yīng)該可以還清，這一點(diǎn)沒有問題，但是他嫌百分之六的利率太高。John是銀行的老客戶，使用這家銀行的服務(wù)有十幾年了，Ted表示，對(duì)老客戶可以關(guān)照，I can't make any promises, 雖然不能保證做到，但是他會(huì)試試看把利率從百分之六降低到百分之五。John聽了很高興，說(shuō)Five percent works for me，百分之五我可以接受，并對(duì)Ted 表示感謝，貸款就這樣談成了。
T: I know this can be a problem, but we generally require at lease one guarantor.
我知道這會(huì)是個(gè)問題，但是我們通常要求只要一個(gè)擔(dān)保人。
J: Hummm... what kind of person would be best, a relative or a business associate?
嗯，什么樣人可以是擔(dān)保人，一個(gè)親戚還是一個(gè)生意伙伴？
T: Either one is OK, but most people pick a relative because it's usually a little easier.
都行，但是多數(shù)人選擇親戚因?yàn)檫@樣比較簡(jiǎn)單。
J: OK...I'm sure my brother won't mind helping me out.
嗯，好的，我確信我的哥哥不會(huì)介意做我的擔(dān)保人的。
Ted說(shuō)，一般情況下，銀行還要求至少要有一個(gè)貸款擔(dān)保人，guarantor, g-u-a-r-a-n-t-o-r guarantor，是擔(dān)保人的意思，可以是a relative，親屬，也可以是a business associate，生意上的伙伴。John想了想了說(shuō)，I'm sure my brother won't mind helping me out，我哥哥一定不介意幫我。mind doing something，是介意做某事的意思；to help someone out，指幫某人的忙。
T: Good. So finally we need to discuss the terms of the loan.
好的，所以最后，我們需要談?wù)勝J款的條款。
J: What kind of interest do you charge?
你們收多少貸款利率？
T: It depends on how long you take the loan out for. If you plan to pay it back within two years, the interest rate is six percent. A four-year deal works out to seven and a half percent.
這個(gè)取決于貸款時(shí)間的長(zhǎng)短。如果你打算兩年內(nèi)還的，貸款利率是6%。一個(gè)四年還清的貸款則要7.5%。
貸款申請(qǐng)符合要求后，就該具體談?wù)勝J款的條款了，the terms of the loan. John想知道，what kind of interest do you charge? 貸款利率多少。Ted回答說(shuō)，貸款利率高低取決于貸款時(shí)間的長(zhǎng)短。如果是兩年還清，利率只要百分之六，如果是四年還清，則要百分之七點(diǎn)五。
J: I think two years should be fine. But six percent is a bit high. Is there any way to get a better rate?
我認(rèn)為兩年期的挺好的。但是6%的貸款利率有點(diǎn)高。有什么方法可以是第一點(diǎn)的貸款利率嗎？
T: Well, you've been a customer here for over a decade. I can't make any promises, but I'll try to get it down to five percent. How's that sound?
嗯，你已經(jīng)十年都是這里的老客戶了。我雖然不能保證，但是我會(huì)盡可能幫你降到5%的。這樣怎么樣？
J: Five percent works for me. Ted, I can't thank you enough for your help.
5%對(duì)我來(lái)說(shuō)挺好的。泰德，太感謝你了。
T: Don't mention it! See you Friday.
沒關(guān)系！周五見。
John說(shuō)，貸款兩年就應(yīng)該可以還清，這一點(diǎn)沒有問題，但是他嫌百分之六的利率太高。John是銀行的老客戶，使用這家銀行的服務(wù)有十幾年了，Ted表示，對(duì)老客戶可以關(guān)照，I can't make any promises, 雖然不能保證做到，但是他會(huì)試試看把利率從百分之六降低到百分之五。John聽了很高興，說(shuō)Five percent works for me，百分之五我可以接受，并對(duì)Ted 表示感謝，貸款就這樣談成了。