Practice English Conversation (Asking for a bank loan.) English Conversation Practice

62,086 views ・ 2023-05-18

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Please double-click on the English subtitles below to play the video.

00:00
okay Mr Suleiman Frank Solomon  right how can I help you
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好的,Suleiman Frank Solomon 先生,我能为您提供什么帮助是
00:11
yes that's my name I'm here to see about  getting a ten thousand dollars loan
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的,这就是我的名字,我来这里是为了获得一万美元的贷款,
00:21
I want to buy a car it was always my dream  to drive my own car I need money for that
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我想买一辆车,开自己的车一直是我的梦想,我需要钱,
00:30
so I need to take a car loan does this  Bank provide car loans for its customers
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所以我需要汽车贷款 这家银行是否为其客户提供汽车贷款 是
00:41
yes sir absolutely we will be pleased to  provide you with a car loan please come with me
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的,先生,我们很乐意为您提供汽车贷款 请跟我来
00:51
sure but first I have some questions  related to the loan can you please help me
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但首先我有一些与贷款相关的问题 你能帮我吗
01:01
of course I will be happy to  answer your questions just tell me
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当然,我很乐意回答您的问题,请告诉我,
01:11
I need to know what are the requirements to  ask for a car loan that's important for me
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我需要知道申请汽车贷款的要求是什么,这对我来说很重要。
01:21
well to start a car loan is provided only to  those who are a minimum of 21 years of age
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开始汽车贷款仅提供给年满 21 岁的人年龄
01:31
then their net annual salary should not  be below that of twenty thousand dollars
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那么他们的净年薪应该不低于两万美元
01:42
and of course they must have a good  credit history I think that's all
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当然他们必须有良好的信用记录我认为这就是全部
01:52
oh and fill out some documents to  evaluate your case sir is that okay
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哦并填写一些文件来评估你的情况先生是这样吗
02:02
I think that's clear and what documents will  be required to Avail the car loan from my side  
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我认为这很清楚还有什么文件将需要从我这边获得汽车贷款
02:12
well we need your income proof the latest  bank statement of three months of salary slips
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我们需要你的收入证明 三个月工资单的最新银行对帐单 还有
02:22
what else oh your identification  card driving license or passport
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什么 哦你的身份证 驾驶执照或护照
02:32
that's great because I have  already brought all those documents
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这很好 因为我已经带来了所有这些文件
02:42
oh that's very good you told me you need  ten thousand dollars then is that correct
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哦那非常好很好,你告诉我你需要一万美元,那是对的
02:52
yes sir that's correct I saw a  beautiful sports car I want to buy
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是的,先生,是的,我看到了一辆漂亮的跑车,我想买,
03:02
all right can I know what do you do for  a living and how much money do you earn
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好吧,我能知道你是做什么的,你赚多少钱吗
03:13
I'm a computer programmer and I  earned two thousand dollars a month
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?计算机程序员和我每月赚两千美元
03:23
perfect so you are eligible for a car  loan of let me see eight thousand dollars
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,所以你有资格获得八千美元的汽车贷款,
03:33
but I need ten thousand dollars  can't you give me more money please
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但我需要一万美元,你能给我更多的钱吗,嗯,
03:44
um let me see what I can do in order  to get the ten thousand dollars
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让我看看我能做什么为了得到一万美元,
03:53
okay we can give you ten thousand dollars for four  
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好吧,我们可以给你一万美元,为期四年,
03:57
years of tenure with an Roi  of nine point five percent
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投资回报率为
04:04
um I really don't understand much  about that but that's okay I want it
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百分之 九点五
04:13
may I know when will my loan be approved I need  to have that car as soon as possible please
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贷款得到批准 我需要尽快拿到那辆车 请
04:23
let me see all right you will  receive an email by today evening
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让我看看 好吧 你会在今天晚上收到一封电子邮件
04:34
perfect then that's all right I  will get my money today evening
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完美 那没关系 我今天晚上会拿到我的钱
04:44
yes sir if you have any questions  just come here or you can call me too
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是的 先生 如果你有任何问题就来这里或你可以说我
04:54
great I'm leaving now have a  great day and thank you sir
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太棒了 我现在要走了 祝你有美好的一天 谢谢你 先生
05:06
good morning Mr Suleiman it's good  to see you here again how are you
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早上好 苏莱曼先生 很高兴再次在这里见到你 你好 你好 你好
05:15
hello I'm fine I come here because I got  promoted in my job and I'm earning more money
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我很好 我来这里是因为我的工作升职了 我赚更多的钱
05:25
I want another loan to buy a luxury apartment  I need two hundred thousand dollars this time
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我想要另一笔贷款来买一套豪华公寓 我需要二十万美元 这次
05:35
we will have to evaluate it but this time it will  be more difficult because it's a lot of money
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我们将不得不对其进行评估 但这次会更加困难 因为它是很多钱
05:45
but I'm earning more money now I  earn five thousand dollars a month
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但我现在赚更多的钱我每月赚五千美元,
05:55
that's great then we can give you 150 000 dollars
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这很好,然后我们可以给你 15 万美元
06:05
or 20 years of tenure with an Roi of 7.5  percent you will be paying 1 200 per month  
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或 20 年的任期,投资回报率为 7.5%,你每月支付 1200 美元,
06:16
that's perfect I like it can we  start with the evaluation please
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这太完美了,我喜欢,我们可以开始评估吗,
06:26
I want to get that money for this week so I  can have my new apartment as soon as possible
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我想要拿到这周的钱,这样我就可以尽快拥有我的新公寓
06:36
your name was Clark right you have been  very kind to me I feel I'm your friend
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你的名字叫克拉克,对,你对我很好,我觉得我是你的朋友是
06:46
yes I'm Clark and of course I am your friend I  only want to help you make your dreams come true
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的,我是克拉克,当然我是你的朋友我只想帮助您实现梦想,
06:56
and don't worry you will get your loan  as soon as possible have a nice day
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别担心,您会尽快获得贷款祝您有美好的一天,
07:07
hello Frank you're here again how  have you been is everything okay
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您好,弗兰克,您又来了,过得怎么样,一切都好吗,嗨,
07:17
hi Clark yeah everything's fine I'm  so happy with my car and my apartment
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克拉克,是的,一切都很好,我很好对我的车和公寓很满意
07:27
I'm here because I need another loan this time  I need to buy a yet I saw a good one on internet
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我来这里是因为这次我需要另一笔贷款 我需要买一辆但我在网上看到一辆不错的
07:37
I need only fifty thousand dollars  and do you think that's possible
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我只需要五万美元 你认为这可能吗 当然
07:47
of course you are one of our best clients  we can make it possible for tomorrow
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你是其中之一我们最好的客户,我们可以让明天成为可能 非常
07:57
excellent it's true you are my friend  Clark thank you so much for your help
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好,这是真的,你是我的朋友克拉克,非常感谢你的帮助,
08:07
no no as I told you I'm here to  help you my friend don't worry
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不,正如我告诉你的那样,我是来帮助你的,我的朋友,别担心,
08:17
I will talk to the manager and you will get  your loan for tomorrow for sure have a great day
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我会和经理谈谈你肯定会得到明天的贷款 祝你有个愉快的一天
08:29
prank hello my friend how's it going I'm not alone
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恶作剧 你好我的朋友 最近怎么样 我并不孤单
08:38
hello Clark no I don't want another  loan I'm here because I need your help
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你好 Clark 不 我不想再贷款 我来这里是因为我需要你的帮助
08:48
I lost my job I got fired last month it  was all a mistake but I got fired anyway  
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我丢了工作 我上个月被解雇了,这完全是个错误,但我还是被解雇了,
08:58
I try to get another job but I can't find one  yet I'm thinking of taking a job as an assistant
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我想找另一份工作,但我找不到,但我正在考虑找一份助理的工作
09:08
but the payment is very low I will be earning  just one thousand dollars I need your help
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但是报酬很低我只能赚一千美元我需要你的帮助
09:18
oh I'm sorry to hear that seriously  I hope you can get a better job Frank
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哦我很抱歉听到你说真的我希望你能找到一份更好的工作弗兰克
09:28
yeah I hope so well as I was telling you I  need you to help me I can't pay the bank loan  
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是的我希望我告诉你我需要你帮帮我 我付不起银行贷款
09:39
I don't know what to do I have to pay a  lot of money every month help me please
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我 不知道该怎么办
09:48
I see but how can I help you I  don't understand what do you need
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我每个月都要付很多钱
09:59
I don't know a payment extension or  something like that I'm desperate
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我不知道付款延期或类似的事情我很绝望
10:08
I'm really sorry but I can't do that I  mean the bank can't do something like that
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我真的很抱歉但我不能这样做我的意思是银行不能做这样的事情
10:18
you signed a contract and you have to  respect that contract it's mandatory
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你签署了一份合同并且你必须尊重该合同这是强制性的
10:28
and the contract is very specific if you don't  pay on time you will lose your house car and yet  
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合同非常具体,如果你不按时付款,你将失去你的房车,但是
10:38
what but I have already paid a lot of  money for those things it's not for
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我已经为这些东西支付了很多钱,这不是为了
10:48
I really would like to help you but  that's how things are I'm really sorry
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我真的很想帮助你,但事情就是这样我真的很抱歉,
10:58
but you are my friend Clark you have to help  me please I can't lose my house Karen yet
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但你是我的朋友克拉克,你必须帮助我,拜托,我不能失去我的房子凯伦,但
11:09
I have already paid like one hundred  thousand dollars it's not fair
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我已经支付了大约十万美元,这不公平,
11:18
well rules are rules and this isn't  personal it's just business that's all
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规则就是规则,这不是个人的,只是生意就是这样
11:28
now I need to keep working goodbye have a  good day next please I hope you liked this  
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我需要继续工作 再见 祝接下来有美好的一天 我希望你喜欢这个
11:38
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11:43
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11:49
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