關於銀行常用的英語口語
銀行現在在我們的生活中無處不在，我們需要學習一下，今天小編就大家分享銀行英語，謝謝大家學習
你爲什麼不去銀行開戶存錢呢
ASo, Jimmy, how does it feel to have your own money?
Jimmy, 自己有錢的感覺怎麼樣?
BIt’s great, dad. I don’t mind delivering papers, but the real fun is collecting the money.
太棒了，爸爸。送報紙倒沒有什麼，真正的快樂是收錢。
AEven though you are only twelve, it’s not too early to start saving a little money.
雖然你纔剛剛十二歲，可現在開始攢錢也不算早了。
BI’ve never had a bank account before. Why don’t I just keep my money under the matterss like grandpa does?
我還從來沒有開過銀行賬戶呢。爲什麼我就不能像爺爺那樣把錢藏在牀墊下呢?
AYou know you would spend it. And also, money in the bank earns interest.
那樣，你就會把錢花掉的。況且，把錢存在銀行還有利息呢。
BBut what if I need my money suddenly?
如果我急需用錢，怎麼辦?
AThe bank will give you a PIN, and you can withdraw money from any ATM.
銀行會給你一個密碼，你可以從自動提款機提錢。
BGreat! So it’s almost the same as keeping it under the matters!
太好了! 這麼說，存在銀行和藏在牀墊下並沒有什麼區別!
ANot quite. You have to maintain a minimum balance of twenty dollars. And sometimes the bank has service charges. But you don’t have to worry about that yet. Let’s go make your first depos
不太一樣。你的賬戶裏最少得存二十美元。有時候，銀行還要收服務費。但你現在還不用擔心這些。我們去存第一筆錢吧!
BOK. Guess I have to do that before. I can make money my first withdrawal.
好的。只有先存錢，我才能開始取錢囉。
我想開個新的活期賬戶
Agood morning. How can I help you?
早上好，有什麼能幫忙的嗎?
BI'd like to open a new account.
我想開個新賬戶。
Ahave you filled out an application form?
您填好申請表了嗎?
Byes. And I've brought some documents along with me, too. Do you need to see my passport?
填好了。而且，我也帶了相關的文件。你要看我的護照嗎?
Ayes. I'll just have my assistant look over these quickly and then we'll move on to the next step. Did you want to open up a checking account and a savings account?
好的。我讓我的助理迅速瀏覽一遍這些文件，然後我們就可以進行下一步了。您是想要開一個活期賬戶和一個定期儲蓄賬戶嗎?
Byes. Does the checking account come with a debit card?
沒錯。活期賬戶是不是會附帶一個借記卡?
Ayes. Actually, both accounts come with cards that you can use in ATM machines, so that you won't have to come in to the bank to make a transaction.
對。實際上兩個賬戶都有可以供您在自動取款機上使用的卡。這樣您就不用到銀行櫃檯來辦理轉賬業務了。
Bthat's very convenient.
這樣很方便。
Ait is. Our customers really like it. Do you have any other questions about your new accounts?
的確是。我們的客戶都很喜歡這個服務。關於新賬戶您還有其它問題嗎?
Byes. What's the maximum amount that you are allowed to have in an overdraft?
有。這個賬戶一次性透支額度的上限是多少?
Athe maximum is $1000.
最大額度是1000美元。
Bis there a penalty for having an overdraft?
超過這個額度有罰金嗎?
Ayes, but it's not much. You just have to pay 1% interest on the amount. It's much lower rate than any of our loans and it's much better than owing money to most credit cards.
有，但是不太多。您需要支付總額的1%的利息。這比我們任何的一種貸款業務都要低得多，而且比大多數信用卡透支都要便宜。
Bthat's true. Is everything alright with my documents?
您說的沒錯。我的文件處理好了嗎?
Athey're all in order. If you just sign your name here, you'll receive your cards and pin numbers in the mail in about three weeks.
都弄好了。只要您在這裏籤個名，三週左右就可以收到郵寄給您的卡和密碼了。
Bthank you very much.
非常感謝。
Ayou're welcome.
不用客氣。
瞭解下申請貸款的相關事宜
AHello, Sir, may I help you?
你好，先生，您需要什麼服務?
BYes. I would like some information for requesting a loan.
我想了解些申請貸款的信息。
AVery well, here are the general terms of our loan policies. We pride ourselves in having the lowest interest rate in the country for personal loans.
這是貸款政策的基本條款。全國範圍內我們銀行的個人貸款利率是最低的。
BI see. So let me get this straight. If I borrow let’s say, ten thousand dollars, how much will I have to pay each month?
我明白。那我就直說吧，如果我姐1萬美元，每個月我應該還多少錢?
AIt depends on how long you take to pay it back. If we lend you ten thousand dollars at an annual interest rate of ten percent for forty eight months, you would have to pay each month a portion of the loan which is called the principal and another small portion of the annual interest rate. This of course is considering that you don’t default on a payment!
只要取決於你還款的時間。如果我們以年利率百分之十貸款1萬美元給你，爲期48個月，你每月必須還一部分叫做基本貸款還有一小部分年利率。這當然是在不考慮您拖欠還款的請款下計算的。
BIt sounds good but, there is just one problem. I have a terrible credit score.
聽起來不錯，但是還有個問題，我信用評分很差。
AThat is a very serious problem you see,the bank must assess your personal information, past loans, assets and any other relevant information such as your credit score in order to approve your loan.
那是個嚴重的問題，銀行必須評估你的個人信息，過去貸款記錄，財產和其他相關信息，比如准許你貸款的信用評分。
BYou know what? I don’t really need the money. Thanks anyways!
你知道嗎?我不真的很急需錢，無論如何，謝謝你。
