n 　　平常生活中也会碰到理财这方面的东西，以下是小编给大家整理的家庭理财实用对话及情景句(二)，希望可以帮到大家

n 　　家庭理财 (二)

n 　　Jack: Brian, My wife and I want to buy a new car.

n 　　杰克：布莱恩，我和我妻子想买辆新车。

n 　　Brian: Why?

n 　　布莱恩：为什么?

n 　　Jack: Because a new car is more reliable and safer.

n 　　杰克：因为新车更安全可靠。

n 　　Brian: You are right about that, but do you have enough money.

n 　　布莱恩：那倒是，可是你有那么多钱吗?

n 　　Jack: I don't, but I heard I could get a loan.

n 　　杰克：没有啊，听说可以货款。

n 　　Brian: That's right. You can either go through the car dealer or apply to a bank yourself.

n 　　布莱恩：是的。你可以通过车行，或者自己到银行借。

n 　　Jack: What do I need to show to get a loan?

n 　　杰克：货款要什么材料?

n 　　Brian: You need to give them your social security number, your pay stub from school, your bank account statement, and your tax-return from last year.

n 　　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。

n 　　Jack: I heard loan insurance is expensive. Do I need to get that?

n 　　杰克：听说贷款保险很贵，我要买贷款保险吗?

n 　　Brian: If you pay 20% of the car price, you don't have to buy loan insurance.

n 　　布莱恩：你要是首付款付车价的20%，就不必买货款保险了。

n 　　Jack: What about application fees and all that?

n 　　杰克：货款还要申请费等等，是吧?

n 　　Brian: You can ask different banks for interest rates and for the fee schedule, then pick the best one.

n 　　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。

n 　　Jack: Sounds good. I'll get on it right now.

n 　　杰克：听起来不错，我马上就去办。

n 　　实用情景句型

n 　　1. Because a new car is more reliable and safer.

n 　　因为新车更安全可靠。

n 　　That's because a new car is much more reliable and safer.

n 　　因为新车更安全可靠。

n 　　Because a new car is more dependable and safer.

n 　　因为新车更安全可靠。

n 　　This car is a real lemon.

n 　　这辆车真次。

n 　　It is a souped up car.

n 　　这是一部改装车。

n 　　2. I heard I could get a loan.

n 　　听说可以贷款。

n 　　It's said that I could get a loan.

n 　　听说可以贷款。

n 　　I've got the news that I could take a loan.

n 　　听说可以贷款。

n 　　Please explain a balloon loan?

n 　　请给我说说气球式贷款是怎么回事?

n 　　Please explain an adjustable rate mortgage.

n 　　请跟我说说可调利率抵押贷款。

n 　　Please explain an ARM.

n 　　你们最佳利率是多少?

n 　　What is your best interest rate?

n 　　我想要一笔可调利率抵押贷款。

n 　　Please explain a fixed rate loan.

n 　　请解释一下固定利率贷款。

n 　　Do you provide balloon loans?

n 　　你们提供气球式贷款吗?

n 　　I'd like to apply for a automobile equity loan.

n 　　我想申请一笔汽车贷款。

n 　　I'd like a self-amortizing loan term.

n 　　我想要一笔自动分期偿还贷款。

n 　　I'd like a variable interest rate mortgage.

n 　　我想要一笔可变利率抵押贷款。

n 　　I'd like an adjustable rate mortgage.

n 　　请解释一下可调利率抵押贷款。

n 　　I'd like to apply for an Automobile mortgage.

n 　　我想申请汽车按揭。

n 　　3. You can either go through the car dealer or apply to a bank yourself.

n 　　你可以通过车行，或者自己到银行借。

n 　　You can get the car and the mortgage from the car dealer or apply to a bank yourself.

n 　　你可以通过车行，或者自己到银行借。

n 　　The car dealer would help you or you can get a loan from the bank.

n 　　你可以通过车行，或者自己到银行借。

n 　　4. You need to give them your social security number, your pay stub from school, your bank account statement, and your tax-return from last year.

n 　　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。

n 　　But before applying, you have to choose a car and sign a contract with the car dealer.

n 　　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。

n 　　If you want to buy a new car, you can get the loan for your car in our bank.

n 　　如果您想买新车，我们银行可以为您办理买车贷款的业务。

n 　　We need your and your wife's ID card and residence booklet.

n 　　我们需要您和您妻子的身份证以及户口本。

n 　　After all of them are finished, we will inform you to make a contract.

n 　　等所有的程序完成后，我们将会与您签订贷款合同。

n 　　If you buy a private car, the maximum amount of the loan would be 70% of the car's price.

n 　　如果购买自用车，贷款额度最高可达所购汽车价格的70%。

n 　　You should give me the application for car loans.

n 　　您还要给我购车贷款申请书。

n 　　5. I heard loan insurance is expensive.

n 　　听说贷款保险很贵。

n 　　We have to watch our spending.

n 　　我们得留意我们的开支。

n 　　We need to watch our money.

n 　　我们需要留意我们的收支情况。

n 　　We need to watch our pennies.

n 　　我们一定要精打细算。

n 　　We've got to watch every dime.

n 　　我们得用好每一分钱。

n 　　We have to control our spending.

n 　　我们得控制支出。

n 　　We have to trim the budget.

n 　　我们得削减开支预算。

n 　　I'm on a strict budget.

n 　　我现在的预算是很紧的。

n 　　I can't afford that.

n 　　我付不起这个费用。

n 　　6. What about application fees and all that?

n 　　贷款还要申请费等等，是吧?

n 　　I'll dip into my savings.

n 　　我要动用储蓄了。

n 　　How much is this going to set me back?

n 　　这要耗费我多少钱啊?

n 　　That cost a pretty penny.

n 　　这要花一大笔钱的。

n 　　That cost an arm and a leg.

n 　　这要一大笔钱开销的。

n 　　You spend money as if it were going out of style.

n 　　你花起钱来毫无节制。

n 　　You have business throwing money around like that.

n 　　你不该这样花钱似流水。

n 　　A penny saved is a penny earned,

n 　　省得一分就等于挣得一分。

n 　　Penny wise, pound foolish.

n 　　小处精明，大处糊涂。

n 　　You can't take it with you.

n 　　生不带来，死不带走。

n 　　Money doesn't grow on trees.

n 　　钱不是生在树上，伸手去采摘就来了。

n 　　A fool and his money are soon parted.

n 　　傻瓜用钱，一会就完。

n 　　7. You can ask different banks for interest rates and for the fee schedule, then pick the best one.

n 　　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。

n 　　What's the interest rate?

n 　　利息是多少?

n 　　How's the interest rate?

n 　　利息是多少?

n 　　If the repayment period is longer than one year, the interest is charged at the interest rate of that year.

n 　　如果还款期限超过一年的话，利息按当年的实际利率收取。

n 　　You can apply for extension and in the extended period there is no interest.

n 　　您可以申请延期，延期期间没有利息。

n 　　8. I'll get on it right now.

n 　　我马上就去办。

n 　　I'll go to get it at once.

n 　　我马上就去办。

n 　　I'll go to the bank right now.

n 　　我马上就去办。