2--Yes. Is there anything I can do for you?
 
1--Could you tell me something about the terms and interest rates for personal automobile consumer loan?
 
2--The deadline is normally no more than 5 years with the interest adopted according to the corresponding lending rates announced by the PBC.
 
1--I plan to take the loan for 3 years.
 
2--Well, the yearly interest rate is 5.49% for 3 years. I'm sure you are qualified to apply for this loan.
 
1--What about the loan repayment?
 
2--You may choose a repayment pattern by consulting with our bank, for example, payment of equal amount of principal or of principal and interest on monthly installments.
 
1--Does that mean I should deposit sufficient money to my account prior to the monthly payment date so that you can directly deduct the repayment of the principal and interest?
 
2--Exactly. You are permitted to effect and early payment in part or in full with the consent of our bank.
 
1--That's very thoughtful of you. Thank you so much.
 
2--You're welcome.
 
===================================
注解：
 
1.interest rates利率  
2.announced规定  
3.repayment偿还债务

===================================
译文：

1--请问，这儿是汽车消费贷款中心吗？
2--是啊。需要我为您做点什么事吗？
1--请您告诉我个人汽车消费贷款的期限和利率情况好吗？
2--按照规定，汽车消费贷款期限最长不超过5年，利率按中国人民银行规定的同期同档利率执行。
1--我打算贷3年期。
2--3年期贷款年利率为5.49%。我相信您符合申请此项贷款的要求。
1--如何还款呢？
2--您可以和我行协商后选择一种还款方式，例如选择按月分期付款或等额支付本息。
1--是不是在每个月付款之前，我应在账户上存入足够的钱，以便责行能直接扣还贷款本金和利患？
2--正是这样。经我行同意，您可以部分或金额提前还货。
1--贵行想得真是周到。非常感谢。
2--不客气。