Interaction
互动

Hello, Great to see you here (Smile). Applying for a loan is a tedious process and I'm sure those of you who have already applied for a loan before will agree. You need to prioritize and plan for getting a loan, and you need to be sure that you can repay the loan.
你好，很高兴见到你（微笑)。申请贷款是个冗长乏味的过程，我确信你们中在之前已经申请过贷款的会同意我说的。你需要把事情按照优先次序排好，并且为得到贷款做好计划，你需要确保你能还贷。
This lesson shows some conversations that revolve around applying for a loan. Practice the lesson by saying the dialog out loud several times after hearing it. To increase your vocabulary, remember to practice the words in the vocabulary section at the end.
这堂课将展示一些以申请贷款为中心的对话。在听到之后通过反复的大声说出这些对话的方式来练习这篇课文。为了增加你的词汇量，在最后请练习词汇部分。

Let's get started now!
让我们开始吧！

I hope you've had a great time watching this lesson. We'll be back with a new one tomorrow. Make sure you come back for it!
谢谢你收看这篇课文。明天我们会有新的。请记得回来观看额！
Please don't forget to hit the like button and let us know your thoughts! Also subscribe to our channel and get regular updates about our lessons.
你喜欢这篇课文吗？请不要忘记点赞额！请记得订阅我们的频道以方便接受我们最新的消息。
Have a good day. Later! (hand wave)
回头见！（挥手）

Research
调查

Harvey: I need to get a home loan.
哈维：我需要得到住房贷款。
Bill: Are you planning to buy a new property?
比尔：你计划买新的房子吗？
Harvey: Yup. But, I'm not sure how to go about the whole loan thing.
哈维：是的。但是，我不确定怎么着手这整个贷款的事情。
Bill: Well, when I decided to get an auto loan for my car, I researched a lot first to make sure that I knew what it was all about.
比尔：好吧，当我决定为我的汽车申请汽车贷款的时候，我首先做了很多调查为了确定我知道贷款是怎么回事儿。
Harvey: What kind of research?
哈维：是怎么样的调查？
Bill: To begin with, you can look for banks or other financial institutions that make home loans. One thing you'll want to do is compare the rate of interest they're charging on your principal amount so you can decide which is the best.
比尔：开始，你可以找银行或者金融机构来做住房贷款。你将要做的一件事就是对比他们收取的本金的利率，因此你可以决定那个是最好的。

What to Prioritize?
想决定先后次序?

Bill: I have no idea on how I should choose a particular bank to apply for a loan.
比尔：我对我该怎么选中其中一家银行来申请贷款完全没有头绪。
Limo: You just need to keep your priorities straight and focus well.
利蒙：你需要一直保持你的优先顺序，然后好好集中。
Bill: What do you mean?
比尔：你说的是什么意思？
Limo: Well, interest rate, bank reputation and loan term are three main factors that will help you make a choice. Try to choose a bank that is ready to provide you the best service at the lowest interest rate.
利蒙：好吧，利率，银行信誉，还有贷款期限这些是能帮你做决定的三个重要因素。尽量选择能提供你最好的服务，收取最低利率的银行。
Bill: What should be included in the best service?
比尔：最好的服务包含了什么？
Limo: For me, one thing is the flexibility to repay the entire principal amount as soon as I want without a penalty. It also means friendly people who can answer your questions clearly.
利蒙：对我来说，是偿还整个本金的弹性度，只要我想什么时候还都行，没有罚款。这也意味着能清楚回答你问题的友善的员工。

Meeting with Bank Officials
会见银行官员

Harvey: My name is Harvey Mathews. I want to apply for a home loan.
哈维：我的名字是哈维·马修斯。我想申请住房贷款。
Bank Manager: Please have a seat. Have you filled out the loan application form?
银行经理：请坐。你填写贷款申请表格了吗？
Harvey: Not yet. I just wanted to confirm a few things before moving ahead.
哈维：还没. 在那之前我想确认一些事情。
Bank Manager: What would you like to know?
银行经理：你想了解些什么？
Harvey: I want to know how long it would take for loan approval and also if the interest rate for the loan increases or decreases during the loan term?
哈维：我想知道贷款批准需要多长时间，然后就是利率在贷款期间会浮动吗？
Bank Manager: Well, first of all, the loan approval procedure takes 15-30 days, depending upon the information you provide. And we provide both fixed interest rate and adjustable interest rate loans.
银行经理：首先，根据你提供的信息，贷款审批过程是15-30天。同时，我们也提供固定利率和可调利率贷款。
Harvey: Do you have a written document showing the differences between the fixed rate and the adjustable rate?
哈维：你有书面文件能说明固定利率和可调利率的区别吗？
Bank Manager: Yes, we do. All the terms and conditions of both types of loan are in the documents you receive along with the application form.
银行经理：是的，我们要。两种贷款的所有条款都在你收到的申请表格的文件中了。

How Will I Get the Money?
我要怎么拿到钱?

Limo: How do the banks give me the loan amount?
利蒙：银行要怎么支付我贷款额呢？
Bill: They don't pay the loan amount to you. They pay the money to the owner of the property you are buying.
比尔：他们不会把贷款额给你的。他们把钱付给你要买的那个房子的主人。
Limo: So I'll never even get to see that big amount of money?
比蒙：所以我至始至终都见不到这一大笔钱？
Bill: Not until you're the one selling the property!
比尔：（你想多了！）除非你是卖房的人！