At the bank English Conversation (Asking for a loan) Improve English Speaking Skills

good morning my name is Marco I am  here to ask for a loan can you help  

早上好，我的名字是马可，我来这里申请贷款，你能帮

me good morning Marco nice to meet you  my name is Diego of course I can help

我吗，早上好，马可，很高兴见到你，我的名字是迭戈，当然我可以帮助

you you say you want a loan well in a space Bank  we have the best loans and financing products  

你，你说你想要贷款，我们有最好的银行贷款和融资产品

yes I know one of my friends  recommended me to come to this

是的，我知道我的一个朋友推荐我来这家

Bank he said you gave him $220,000 well  I want $330,000 now all right you want

银行，他说你给了他 220,000 美元，我现在想要 330,000 美元，好吧，你想要

$330,000 let's see did you get any information  about our products online or in this

330,000 美元，让我们看看你是否在网上或在这个

office no it's the first time I come to  this Bank in fact I have never asked for  

办公室获得了有关我们产品的任何信息 否这是我第一次来这家银行，事实上我

a loan before but as I told you before one  of my friends recommended me to come to this

以前从未要求过贷款，但正如我之前告诉过你的，我的一个朋友推荐我来这家

Bank all right don't worry I need to ask  you some questions first to find the best  

银行，好吧，别担心，我需要先问你一些问题为了找到最适合

product for you can you give me your full  name please I needed to check your credit

您的产品，请给我您的全名，我需要检查您的信用

history sure my name is Marco white do  you need any other kind of information  

记录，确定我的名字是 Marco White，您需要任何其他类型的信息

yes if you can give me your ID number  it will help me find your credit history

吗？是的，如果您可以给我您的身份证号码，它将帮助我找到你的信用记录

faster um okay my ID number is 45666 34 do  you need me to repeat that again no I got it  

更快，嗯，好的，我的身份证号码是 45666 34，你需要我再重复一遍吗？不，我明白了，

let me see have you opened any bank account here I  don't think so I have my bank account but not here  

让我看看你是否在这里开设了任何银行账户，我想没有，所以我有我的银行账户，但不是

is that a problem no no it's not a problem but  you can also consider opening a bank account

这里问题 不不，这不是问题，但您也可以考虑

here you will have many benefits that I  am sure you won't find in any other bank

在这里开设银行账户，您将获得许多好处，我相信您在周围的任何其他银行都找不到

around and we have different kinds of bank  accounts we have a savings account or a checking

，而且我们有不同类型的银行账户，我们有储蓄账户或支票

account savings account and checking account  I really don't understand the difference don't  

账户储蓄账户和支票账户我真的不明白区别不用担心

worry I will explain it to you a checking  account is designed to use for everyday

我会向您解释支票账户旨在用于日常

transactions yet the money in a saving account  is meant to stay in the account and earn interest  

交易而储蓄账户中的钱则应保留在帐户并

over time time you can earn interest over time  just for having your money with us it is a great  

随着时间的推移赚取利息 随着时间的推移，您只需将钱存入我们就可以随着时间的推移赚取利息，这是一个很棒的

offer I see actually I want to apply for a  credit card does it help me to have a credit  

优惠 我看到实际上我想申请一张信用卡 它对我有帮助吗 拥有一张信用卡 是的，

card yes of course having your money here  helps you create a very good credit history

当然拥有您的这里的钱可以帮助您建立非常好的信用记录

plus we have a great offer now  if you open your bank account  

，而且我们现在有一个很棒的优惠，如果您今天开设银行帐户，

today you can participate for $1  million you can be one of our lucky

您可以参加 100 万美元，您可以成为我们的幸运

winners $1 million wow that sounds  great well thank you I'd like that  

获奖者之一 100 万美元哇，听起来很棒，谢谢，我会就像这个

good decision now we will have  you fill out an application form

好的决定，现在我们会让您填写一份申请表，

please all right are there any terms or  conditions I should know to open this bank

请好吧，我应该知道开立这个银行

account just a little thing you have to  keep at least $1,000 in your account to  

帐户的任何条款或条件吗？只是一件小事，您必须在帐户中保留至少 1,000 美元，以

avoid paying interest 1,000 um and what  happens if one month I can't have ,000 in  

避免支付利息 1,000嗯，如果一个月我的帐户中没有 000 美元，

my account then you will have to pay an  amount for the maintenance of your bank

那么您将需要支付一笔费用来维护您的银行

account but it's only $20 you  will have a lot of benefits don't

帐户，但只需 20 美元，您将获得很多好处，不用

worry um okay and what about  bank transfer fees and interbank

担心，好吧，银行转账费用和银行间转账怎么样？

transfers Let's see we have no  commissions for transfers between partner

让我们看看，我们在合作伙伴银行之间的转账没有佣金

Banks but we do have commissions for  transfers with other banks for dollars per

，但我们与其他银行之间的转账有每次

operation I see well I think I  can pay that amount of money what

操作美元的佣金，我明白了，我想我可以支付这笔钱，

else that's all after filling out the  documents your account at this bank will be

还有什么？填写文件，您在这家银行的帐户将被

enabled all right then can we  talk about the loan please I need

启用，然后我们可以谈谈贷款吗？我需要

$30,000 oh sorry first you have to  deposit that $1,000 s into the account you

30,000 美元，哦抱歉，首先您必须将那 1,000 美元存入您

opened do I have to do it now can't  I do this later maybe tomorrow or  

开设的帐户，我现在必须这样做吗？我稍后会做这件事，也许明天或

the next week no sir you have to do it  now otherwise you will be charged with

下周，不，先生，你必须现在做，否则你将被收取

$4 um all right then I'm going to  transfer my savings to this new

4 美元，好吧，然后我将把我的存款转移到这个新

account excellent oh we also have the  anti theft Insurance I'm sure you'll be

帐户，非常好哦，我们还有防盗保险我相信您会

interested this insurance will help you  protect all your bank cards it is very

感兴趣这个保险将帮助您保护您所有的银行卡这非常

useful I explain to you if your bank card is  cloned or stolen you will refund the the full  

有用我向您解释如果您的银行卡被克隆或被盗您将退还 损失的 全部价值

value of the loss this insurance only cost $10 a  month it is a reasonable amount to protect your

该保险只需 10 美元 一个月这是一个合理的金额来保护你的

money I'm not interested I only have $1,000 that's

钱我不感兴趣我只有 1,000 美元

all yes right now but think about the  future what if you earn more money later

现在这都是可以的但想想未来如果你以后赚更多的钱

or imagine if you win the million  dollars that we are raffling

或者想象一下如果你赢得了我们抽奖

of you don't want to lose your money you  will need to have your money save believe

的 一百万美元 怎么办 你不想失去你的钱，你需要存钱，相信

me that makes

我，这是

sense okay I will take it good decision we also  have life insurance when a refund it's very

有道理的，好吧，我会做出正确的决定，我们还有人寿保险，当退款时，这很

interesting we can pay you back up to double  what you have paid for 20 years it is a great

有趣，我们可以向你偿还两倍的钱已经支付了 20 年，这是一项巨大的

investment no I don't think so I don't want  any other insurance at the moment thank you

投资 不，我不这么认为，所以我目前不需要任何其他保险，谢谢

this can help you get your first credit card  this is because your credit history will

这可以帮助你获得你的第一张信用卡这是因为你的信用记录会

increase uh okay okay but now  let's talk about the loan please

增加呃好吧好吧但是现在我们来谈谈贷款请

30,000 oh sure I have to check your  information in the system give me a

30,000哦当然我必须在系统中检查你的信息给我一

second all right I finished I regret to tell  you that for now you're not eligible for a  

秒钟好吧我完成了我后悔告诉你，目前你没有资格获得

personal loan what but you told me that if I  open my account and take out the insurance I  

个人贷款什么，但你告诉我，如果我开设账户并购买保险，我

could no that was different but if you maintain  good credit you can come back in a year to get  

不能，那是不同的，但如果你保持良好的信用，你可以在一年内回来

re-evaluated for now unfortunately you you are  not eligible for a bank loan next please I hope  

现在 要 重新评估，不幸的是，您没有资格获得银行贷款，接下来请我希望

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