平常生活中也會(huì)碰到理財(cái)這方面的東西，以下是小編給大家整理的家庭理財(cái)實(shí)用對(duì)話及情景句(二)，希望可以幫到大家

　　家庭理財(cái) (二)

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

　　杰克：布萊恩，我和我妻子想買輛新車。

　　Brian: Why?

　　布萊恩：為什么?

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

　　杰克：因?yàn)樾萝嚫踩煽俊?/p>

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

　　布萊恩：那倒是，可是你有那么多錢嗎?

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

　　杰克：沒(méi)有啊，聽說(shuō)可以貨款。

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

　　布萊恩：是的。你可以通過(guò)車行，或者自己到銀行借。

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

　　杰克：貨款要什么材料?

　　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.

　　布萊恩：他們要你的社會(huì)保障號(hào)、你學(xué)校的工資條、銀行賬戶賬單和你去年的報(bào)稅單。

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

　　杰克：聽說(shuō)貸款保險(xiǎn)很貴，我要買貸款保險(xiǎn)嗎?

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

　　布萊恩：你要是首付款付車價(jià)的20%，就不必買貨款保險(xiǎn)了。

　　Jack: What about application fees and all that?

　　杰克：貨款還要申請(qǐng)費(fèi)等等，是吧?

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

　　布萊恩：你可以問(wèn)不同的銀行，看他們的利率和費(fèi)用如何，選一家最合適的。

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

　　杰克：聽起來(lái)不錯(cuò)，我馬上就去辦。

　　實(shí)用情景句型

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

　　因?yàn)樾萝嚫踩煽俊?/p>

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

　　因?yàn)樾萝嚫踩煽俊?/p>

　　Because a new car is more dependable and safer.

　　因?yàn)樾萝嚫踩煽俊?/p>

　　This car is a real lemon.

　　這輛車真次。

　　It is a souped up car.

　　這是一部改裝車。

　　2. I heard I could get a loan.

　　聽說(shuō)可以貸款。

　　It's said that I could get a loan.

　　聽說(shuō)可以貸款。

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

　　聽說(shuō)可以貸款。

　　Please explain a balloon loan?

　　請(qǐng)給我說(shuō)說(shuō)氣球式貸款是怎么回事?

　　Please explain an adjustable rate mortgage.

　　請(qǐng)跟我說(shuō)說(shuō)可調(diào)利率抵押貸款。

　　Please explain an ARM.

　　你們最佳利率是多少?

　　What is your best interest rate?

　　我想要一筆可調(diào)利率抵押貸款。

　　Please explain a fixed rate loan.

　　請(qǐng)解釋一下固定利率貸款。

　　Do you provide balloon loans?

　　你們提供氣球式貸款嗎?

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

　　我想申請(qǐng)一筆汽車貸款。

　　I'd like a self-amortizing loan term.

　　我想要一筆自動(dòng)分期償還貸款。

　　I'd like a variable interest rate mortgage.

　　我想要一筆可變利率抵押貸款。

　　I'd like an adjustable rate mortgage.

　　請(qǐng)解釋一下可調(diào)利率抵押貸款。

　　I'd like to apply for an Automobile mortgage.

　　我想申請(qǐng)汽車按揭。

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

　　你可以通過(guò)車行，或者自己到銀行借。

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

　　你可以通過(guò)車行，或者自己到銀行借。

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

　　你可以通過(guò)車行，或者自己到銀行借。

　　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.

　　他們要你的社會(huì)安全號(hào)，你學(xué)校的工資條，銀行賬戶賬單，還有你去年的報(bào)稅單。

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

　　不過(guò)您得先選購(gòu)汽車并與汽車商簽訂購(gòu)車合同，然后才可以申請(qǐng)。

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

　　如果您想買新車，我們銀行可以為您辦理買車貸款的業(yè)務(wù)。

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

　　我們需要您和您妻子的身份證以及戶口本。

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

　　等所有的程序完成后，我們將會(huì)與您簽訂貸款合同。

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

　　如果購(gòu)買自用車，貸款額度最高可達(dá)所購(gòu)汽車價(jià)格的70%。

　　You should give me the application for car loans.

　　您還要給我購(gòu)車貸款申請(qǐng)書。

　　5. I heard loan insurance is expensive.

　　聽說(shuō)貸款保險(xiǎn)很貴。

　　We have to watch our spending.

　　我們得留意我們的開支。

　　We need to watch our money.

　　我們需要留意我們的收支情況。

　　We need to watch our pennies.

　　我們一定要精打細(xì)算。

　　We've got to watch every dime.

　　我們得用好每一分錢。

　　We have to control our spending.

　　我們得控制支出。

　　We have to trim the budget.

　　我們得削減開支預(yù)算。

　　I'm on a strict budget.

　　我現(xiàn)在的預(yù)算是很緊的。

　　I can't afford that.

　　我付不起這個(gè)費(fèi)用。

　　6. What about application fees and all that?

　　貸款還要申請(qǐng)費(fèi)等等，是吧?

　　I'll dip into my savings.

　　我要?jiǎng)佑脙?chǔ)蓄了。

　　How much is this going to set me back?

　　這要耗費(fèi)我多少錢啊?

　　That cost a pretty penny.

　　這要花一大筆錢的。

　　That cost an arm and a leg.

　　這要一大筆錢開銷的。

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

　　你花起錢來(lái)毫無(wú)節(jié)制。

　　You have business throwing money around like that.

　　你不該這樣花錢似流水。

　　A penny saved is a penny earned,

　　省得一分就等于掙得一分。

　　Penny wise, pound foolish.

　　小處精明，大處糊涂。

　　You can't take it with you.

　　生不帶來(lái)，死不帶走。

　　Money doesn't grow on trees.

　　錢不是生在樹上，伸手去采摘就來(lái)了。

　　A fool and his money are soon parted.

　　傻瓜用錢，一會(huì)就完。

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

　　你可以問(wèn)不同的銀行，看他們的利率和費(fèi)用如何，選一家最合適的。

　　What's the interest rate?

　　利息是多少?

　　How's the interest rate?

　　利息是多少?

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

　　如果還款期限超過(guò)一年的話，利息按當(dāng)年的實(shí)際利率收取。

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

　　您可以申請(qǐng)延期，延期期間沒(méi)有利息。

　　8. I'll get on it right now.

　　我馬上就去辦。

　　I'll go to get it at once.

　　我馬上就去辦。

　　I'll go to the bank right now.

　　我馬上就去辦。