关于银行常用的英语口语
银行现在在我们的生活中无处不在，我们需要学习一下，今天小编就大家分享银行英语，谢谢大家学习
你为什么不去银行开户存钱呢
ASo, Jimmy, how does it feel to have your own money?
Jimmy, 自己有钱的感觉怎么样?
BIt’s great, dad. I don’t mind delivering papers, but the real fun is collecting the money.
太棒了，爸爸。送报纸倒没有什么，真正的快乐是收钱。
AEven though you are only twelve, it’s not too early to start saving a little money.
虽然你才刚刚十二岁，可现在开始攒钱也不算早了。
BI’ve never had a bank account before. Why don’t I just keep my money under the matterss like grandpa does?
我还从来没有开过银行账户呢。为什么我就不能像爷爷那样把钱藏在床垫下呢?
AYou know you would spend it. And also, money in the bank earns interest.
那样，你就会把钱花掉的。况且，把钱存在银行还有利息呢。
BBut what if I need my money suddenly?
如果我急需用钱，怎么办?
AThe bank will give you a PIN, and you can withdraw money from any ATM.
银行会给你一个密码，你可以从自动提款机提钱。
BGreat! So it’s almost the same as keeping it under the matters!
太好了! 这么说，存在银行和藏在床垫下并没有什么区别!
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
不太一样。你的账户里最少得存二十美元。有时候，银行还要收服务费。但你现在还不用担心这些。我们去存第一笔钱吧!
BOK. Guess I have to do that before. I can make money my first withdrawal.
好的。只有先存钱，我才能开始取钱啰。
我想开个新的活期账户
Agood morning. How can I help you?
早上好，有什么能帮忙的吗?
BI'd like to open a new account.
我想开个新账户。
Ahave you filled out an application form?
您填好申请表了吗?
Byes. And I've brought some documents along with me, too. Do you need to see my passport?
填好了。而且，我也带了相关的文件。你要看我的护照吗?
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。我让我的助理迅速浏览一遍这些文件，然后我们就可以进行下一步了。您是想要开一个活期账户和一个定期储蓄账户吗?
Byes. Does the checking account come with a debit card?
没错。活期账户是不是会附带一个借记卡?
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.
对。实际上两个账户都有可以供您在自动取款机上使用的卡。这样您就不用到银行柜台来办理转账业务了。
Bthat's very convenient.
这样很方便。
Ait is. Our customers really like it. Do you have any other questions about your new accounts?
的确是。我们的客户都很喜欢这个服务。关于新账户您还有其它问题吗?
Byes. What's the maximum amount that you are allowed to have in an overdraft?
有。这个账户一次性透支额度的上限是多少?
Athe maximum is $1000.
最大额度是1000美元。
Bis there a penalty for having an overdraft?
超过这个额度有罚金吗?
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。您需要支付总额的1%的利息。这比我们任何的一种贷款业务都要低得多，而且比大多数信用卡透支都要便宜。
Bthat's true. Is everything alright with my documents?
您说的没错。我的文件处理好了吗?
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。只要您在这里签个名，三周左右就可以收到邮寄给您的卡和密码了。
Bthank you very much.
非常感谢。
Ayou're welcome.
不用客气。
了解下申请贷款的相关事宜
AHello, Sir, may I help you?
你好，先生，您需要什么服务?
BYes. I would like some information for requesting a loan.
我想了解些申请贷款的信息。
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.
这是贷款政策的基本条款。全国范围内我们银行的个人贷款利率是最低的。
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。那我就直说吧，如果我姐1万美元，每个月我应该还多少钱?
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!
只要取决于你还款的时间。如果我们以年利率百分之十贷款1万美元给你，为期48个月，你每月必须还一部分叫做基本贷款还有一小部分年利率。这当然是在不考虑您拖欠还款的请款下计算的。
BIt sounds good but, there is just one problem. I have a terrible credit score.
听起来不错，但是还有个问题，我信用评分很差。
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.
那是个严重的问题，银行必须评估你的个人信息，过去贷款记录，财产和其他相关信息，比如准许你贷款的信用评分。
BYou know what? I don’t really need the money. Thanks anyways!
你知道吗?我不真的很急需钱，无论如何，谢谢你。
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