以下是整理的《日常交際英語(yǔ)口語(yǔ)：申請(qǐng)個(gè)人汽車(chē)消費(fèi)貸款》，希望大家喜歡！
    A:Excuse me, is this the Auto Consumer Loan Center?
    A:請(qǐng)問(wèn)，這兒是汽車(chē)消費(fèi)貸款中心嗎？
    B:Yes. Is there anything I can do for you?
    B:是啊。需要我為您做點(diǎn)什么事嗎？
    A:Could you tell me something about the terms and interest rates for personal automobile consumer loan?
    A：請(qǐng)您告訴我個(gè)人汽車(chē)消費(fèi)貸款的期限和利率情況好嗎？
    B:The deadline is normally no more than 5 years with the interest adopted according to the corresponding lending rates announced by the PBC.
    B:按照規(guī)定，汽車(chē)消費(fèi)貸款期限最長(zhǎng)不超過(guò)5年，利率按中國(guó)人民銀行規(guī)定的同期同檔利率執(zhí)行。
    A:I plan to take the loan for 3 years.
    A:我打算貸3年期。
    B:Well, the yearly interest rate is 5.49% for 3 years. I'm sure you are qualified to apply for this loan.
    B:3年期貸款年利率為5.49%。我相信您符合申請(qǐng)此項(xiàng)貸款的要求。
    A:What about the loan repayment?
    A:如何還款呢？
    B:You may choose a repayment pattern by consulting with our bank, for example, payment of equal amount of principal or of principal and interest on monthly installments.
    B:您可以和我行協(xié)商后選擇一種還款方式，例如選擇按月分期付款或等額支付本息。
    A:Does that mean I should deposit sufficient money to my account prior to the monthly payment date so that you can directly deduct the repayment of the principal and interest?
    A:是不是在每個(gè)月付款之前，我應(yīng)在賬戶(hù)上存入足夠的錢(qián)，以便責(zé)行能直接扣還貸款本金和利患？
    B:Exactly. You are permitted to effect and early payment in part or in full with the consent of our bank.
    B:正是這樣。經(jīng)我行同意，您可以部分或金額提前還貨。
    A:That's very thoughtful of you. Thank you so much.
    A:貴行想得真是周到。非常感謝。
    B:You're welcome.
    B:不客氣。