欢迎光临IBJ银行消费信贷部。我有什么可以帮您的吗?
B: My family really needs a car, we live quite far out of the town centre, but unfortunately we cannot afford to pay out such a large sum of money in one go.
我们家真的需要一辆车，我们住的地方离市区挺远的，但不幸的是，我们负担不起一下子支出这么一大笔钱。
A: That's a problem facing many young families nowadays, and we are sympathetic to the problem. That's why we have just started a new scheme; a Personal Automobile Consumer Loan.
现在许多年轻人的家庭都面临着这样的问题，对此我们深有同感。为此，我们刚刚开展了一个新的业务，就是个人汽车消费贷款。
B: Great, I just hope I qualify! Could you tell me some more? Can I use the money to buy the car from anywhere?
太棒了，我真的希望我够格!你能多给我介绍一些情况吗?我可以用这些钱到任何地方去买车吗?
A: What we usually do is find a suitable car dealer for you, who offer the type of car that you need. If it's a family car that you want, we have a very reliable dealer already contracted to us.
我们通常做的就是为您找到一个合适的汽车经销商，他为您提供您所需要的那种车。如果您需要的是一个家庭用车的话，我们有一个非常可靠的经销商，他已经和我们签约了。
B: Then I can go to this appointed dealer, see what they've got and then make a decision?
那么我就可以去找这个指定的经销商，看看他们有什么样的车，然后做出决定，是吗?
A: Yes. When you have decided exactly what you want and have a purchase price we can begin to process the loan. As long as you provide the proper documentation, of course.
是的。当您决定了您真正要买的车，并且看好了售价，我们就可以开始办理贷款手续了。当然啦，只要您提供相应的文件。
B: What do you require?
你们都要求提供些什么呢?
A: A correctly filled in application form, ID card, proof of residency, proof of income, the agreement from the agent and of course the 20% down payment.
一张正确填写的申请表、身份证、居住证明、收入证明、与经销商签订的协议，当然还要有20%的首付收据。
B: That sounds fine. If you could give me the name and address of the dealer I'll go over there now and see what they've got.
听起来挺不错的。如果你能给我那个经销商的名字和地址，我现在就要去那儿，看看他们都有什么样的车。
