关于银行借款英语

Exercise 15：
2018.12.11
1.到美国后常跟银行打交道的常用英文
Opening an account 开户
I would like to open an account 我要开户
What kind of account do you want? 你要开什么样的账户
A current account 活期存款账户
A checking account 活期存款账户
A deposit account 存款账户

咨询时你需要使用的对话：
How much interest will I get with this account? 我可以得到多少利息？
Which account gives the highest interest rate? 哪样的账户得到的利息
What fees will I be charged? 怎么收费？
There is a maintenance fee of $100 per annum 账户年费100元
Please give us proof of address 请提供住址证明

2.Transfering money 汇钱
Would you like a wire transfer? 你要汇钱吗？
I would like to transfer money back to China 我要汇一笔钱到中国
I want to send it by banker’s draft 我要用银行汇票发的
There will be a fee of 10 pounds 你得付10英镑费用
Which account shall we send it to? 转进什么账号？
What is their account number 他的账号号码是什么？
My parents said they wired me some money, has it reached my account? 我父母汇了一笔钱到我的账号，已经转进去了吗

3.Cards 卡
Do I get a debit card with this account? 我能从这个账户获得一张借记卡吗？
No, you have to pay an extra 30 dollars a year for one 不不不，你得付30元每年费为这个账号
I want a credit card 我要一张信用卡
If you pay us back within the month, we don’t charge interest 一个月之内还款，不用付利息
If you do not settle your bill at the end of the month, then we’ll charge interest 要是一个月之内未还款，你得付利息

4.APR 年利率
Pin number 密码
You can change your PIN at an ATM 你可以在自动柜员机更改你的密码
Balance transfer 余额结转
Credit limit 信用额度
Do not tell your pin number to anyone, even bank staff 包括银行员，你千万别给其他人你的密码，
There is an annual fee of £20 你得付20英镑每费
Issuing bank 发卡银行
With a credit card, you can shop first and pay later 用信用卡的话，你可以先购物后付款
Problems 特殊情况
I want to report a stolen credit card 我要报信用卡失窃
Okay, we’ll cancel it right away 我们消除您的信用卡
We will send you a new one in the post 我们将会寄给你新的卡
When the card arrives, ring 0855 555 to activate it 如果您收到新卡，请拨打电话0855 555开卡
The cash machine didn’t give me my money 机器没出钱
Sorry, there was an error, we’ve already refunded the money 对不起，机器出了点故障，我们已经退还您的钱
The transaction was declined 交易受拒

5.Getting a loan 贷款
I would like to borrow $5000 dollars 我想要借款5000元。
What’s the interest rate? 利息率是多少
What collateral do you have? 你有什么担保品？
If you don’t have any collataral, we can’t give you a loan 如果没有担保品，我们不会给您借款
If you don’t have any collataral, we will have to charge extra interest 没有担保品，我们得升高您的利息

常见单词：
Mortgage 房贷
Credit check 核对信用度
Credit rating 信用评级

Sorry, we’ve just run a credit check, and unfortunately, we cannot offer you a loan 对不起，我们已经查过您的信用度，很抱歉我们不能给您提供贷款。
How long is it for? 多久？
Minimum monthly payment 的每月偿还债务
Will there be any penalty for early repayment? 提前还款有罚金吗？
Early repayment fee 提前还款有罚金
Exit fee 提前还款有罚金