A Letter Applying for a Bank Loan
June 18, 2014
Dear Sir / Madame,
　　I am a sophomore in the Hebei University of Technology, majoring in computer science. I'm applying to your bank for a loan of 10,000 Yuan.
　　In the previous one and a half years I have been a model student and monitor of my class. However, in recent years, my parents are both laid-off, and, to make matters worse, my mother has suddenly fallen ill and they are not able to support me any more. That is why I am asking for the loan. If my application is approved, all the money will go to my tuition and fees for the coming academic year.
　　I guarantee that I will repay the loan within five years, that is, within two years after my graduation. Please have confidence in me. I would be greatly obliged if my application is granted.
　　Many thanks for your help and consideration.
Yours sincerely,
Li Ming
　　(155 words)

sophomore  n. 大学二年级学生
major in  主修
apply to...for... 向......申请......
laid-off  adj. 被解雇的
to make matters worse 让事情更糟糕的是
application  n. 申请
academic year  学年
guarantee  v. 保证，担保
have confidence in... 对......有信心
oblige  v. 迫使做; 使负义务
grant  v. 准许，答应给予

银行贷款申请信
　　尊敬的先生/女士：
　　我是河北科技大学一名大二的学生，我的专业是计算机科学。现我向贵行提出1万元的贷款申请。
　　在过去的一年半中，我都是班里的模范学生和班长。但是，近几年我的父母双双下岗，而且，更为糟糕的是，母亲突然患病，他们再也付不起我的学费助我了。这是我申请贷款的原因。如果我的申请能够通过，所有的钱都会用于我下学年的学杂费。
　　我保证会在5年内还清贷款，也就是说，在我毕业后两年内。请相信我。如果我的申请得到同意，我将不胜感激。
　　非常感谢您的帮助和对申请的考虑。
　　        李明 
　　                2014年6月18日

1. I am a sophomore in the Hebei University of Technology, majoring in computer science. 我是河北科技大学一名大二的学生，我的专业是计算机科学。
2. However, in recent years, my parents are both laid-off, and, to make matters worse, my mother has suddenly fallen ill and they are not able to support me any more. 但是，近几年我的父母双双下岗，而且，更为糟糕的是，母亲突然患病，他们再也付不起我的学费助我了。
3. If my application is approved, all the money will go to my tuition and fees for the coming academic year. 如果我的申请能够通过，所有的钱都会用于我下学年的学杂费。