A: Good day! What can we do for you?
您好！我们能为您效劳吗？
B: I'm considering buying a new car, the old one hasn't been running too well recently, and was wondering what kind of credit you can offer me.
我正在考虑买一辆新车，旧的那辆最近一直不太好使，我想知道你们能给我提供什么样的贷款。
A: Buying a new car is a big expense;we understand that, so we have a variety of loans to suit your needs.
买新车是一笔大开销，我们了解这种情况，所以我们提供各种贷款以满足您的需要。
B: That's great. I'm looking to borrow quite a large sum, though.
那太好了。不过，我想借挺大的一笔款呢。
A: With our Personal Automobile Consumer Loan, the borrower can borrow up to 80% of the purchase price.
申请我们的个人汽车消费贷款，借款人可以借到的最大金额为购买价格的80%。
B: That's good news. The car I'm interested in is priced at 120,000 RMB, but I think I can get a bit of discount on that. I can afford to put up around 40,000 RMB myself.
真是个好消息。我心仪的车标价为120000元，但是我想我可以得到一点儿折扣。我自己能够承担大约40000元。
A: That's great. You will need to make an initial down payment of 20%，and then we can get going with this.
好的。您应支付20%的首付款，然后我们就可以继续进行了。
B: The funds are all ready to go in my personal account, so let's transfer it.
那些钱已经在我的个人账户中准备好了，那就转账吧。