下面學(xué)習(xí)啦小編為大家?guī)?lái)金融英語(yǔ)情景對(duì)話，歡迎大家學(xué)習(xí)!

　　金融英語(yǔ)情景對(duì)話：房屋貸款

　　Al and Virginia Baxter are talking to their banker ,Tony Flora ,about a housing loan.

　　艾爾和弗吉尼亞·巴克斯特正和他們的銀行家托尼·費(fèi)洛拉洽談?dòng)嘘P(guān)房屋貸款之事。

　　Al:We'd like to get some information about mortgage loans,Mr.Flora.

　　艾爾：我們希望得到一些有關(guān)抵押貸款方面的知識(shí)，弗洛拉先生。

　　We found a house that we'd like to buy.

　　我們找到了一所我們想買(mǎi)的房子。

　　Flora:Well,Mr.Baxter,we generally lend 80% of the bank's appraised value on 30-,35-or 40-year mortgages if the house is less than 10 years old .

　　弗洛拉：好的，巴克斯特先生。如果房屋從建成至今尚未超過(guò)10年，我們一般借給買(mǎi)房者的數(shù)額是銀行對(duì)房屋估價(jià)的80%，而貸款期為30、35或40年。

　　Baxter:Oh ,it's almost a brand-new house .I think it was built two years ago .

　　巴克斯特：哦， 這幾乎是一所全新的房子，我認(rèn)為是兩年前修建的。

　　A:Yes,it's a real good deal .The price is just right .

　　艾爾：是的，這真是的樁合適的買(mǎi)賣(mài)，價(jià)錢(qián)也很合理。

　　F:Bank appraisals are usually slightly lower than the actual market prices,Mr.Baxter,

　　弗洛拉，銀行的估價(jià)總是低于實(shí)際市場(chǎng)價(jià)格的，巴克斯特先生。

　　so you'll have to figure on at least at a 25%-28% down payment .

　　因此，您必須計(jì)劃支付至少25%—28%的定金。

　　A:Yes,we planned on that .We've accumulated enough in our savings for a 30% down payment.

　　艾爾：是啊，這點(diǎn)我們已經(jīng)估計(jì)到了，在我們的積蓄中攢的錢(qián)已足夠支付30%的定金。

　　B:What's the interest rate on mortgage loans?

　　巴克斯特：抵押貸款的利息率是多少?

　　F:It fluctuates a little depending on the various factors in the loan ,but around 8.75% for longtime clients.

　　弗洛拉：根據(jù)各種不同情況的貸款，利息率稍有差別，但是，對(duì)于銀行的老主顧一般是8。75%左右。

　　A:Well,we've been banking here since we got married 8 years ago ,Mr.Flora ,so I guess we qualify.

　　艾爾：那么我們從結(jié)婚到現(xiàn)在8年來(lái)一直與這里的銀行往來(lái)，弗洛拉先生。因此，我想我們是合乎條件的。

　　F:Yes,you certainly do ,Mr.Baxter.Let's fill out this application ,so we can get started on the paperwork .

　　弗洛拉：是的，你們當(dāng)然是符合條件的，巴克斯特先生。讓我們先來(lái)填寫(xiě)這張申請(qǐng)表，然后就可以開(kāi)始著手票據(jù)事宜，

　　It takes some time to complete a mortgage loan transaction.

　　要完成抵押貸款的交易是得花點(diǎn)時(shí)間。

　　B:We will need title insurance and fire insurance ,too,won't we ?

　　巴克斯特：我們還需要產(chǎn)權(quán)保險(xiǎn)和火災(zāi)保險(xiǎn)，對(duì)嗎?

　　F:Yes,you will.Here's our mortgage loan booklet which explains all the things which will be necessary .

　　弗洛拉：是的，這里有一本有關(guān)我們抵押貸款的小冊(cè)子，這個(gè)小冊(cè)子說(shuō)明了必須要辦的一切手續(xù)。

　　金融英語(yǔ)情景對(duì)話：會(huì)談與談判

　　Good morning, Mr. Thomas.

　　早上好，托馬斯先生。

　　Good morning, Mr. Jiang,Take a seat .please.

　　早上好，蔣先生。請(qǐng)坐。

　　We are quite interested in the refrigerators made by your company.

　　我們對(duì)貴公司生產(chǎn)的冰箱非常感興趣。

　　In fact ,we're thinking of placing an order.

　　事實(shí)上，我們正在考慮訂貨。

　　May I have an idea of your prices?

　　能告訴我你們的價(jià)格嗎?

　　Yes, Here is our price sheet.

　　可以。這是我們的報(bào)價(jià)單。

　　Thanks.

　　謝謝

　　How do you like our price?

　　你覺(jué)得我們的價(jià)格怎么樣?

　　I think it's rather on the high side.

　　我認(rèn)為太高了。

　　I should say that our price is reasonable.

　　我認(rèn)為我們的價(jià)格是合理的。

　　As you know, our products enjoy a high reputation and are always popular abroad.

　　你知道，我們的產(chǎn)品享有盛譽(yù)，并暢銷(xiāo)海外。

　　Comparing with the price of the other companies, I think our price is the most competitive.

　　與其他公司的產(chǎn)品相比，我認(rèn)為我們的產(chǎn)品是最具有競(jìng)爭(zhēng)力的。

　　No,You know now in China large quantities of homemade refrigerators have appeared on the local market in recent years.

　　不，你知道近幾年在中國(guó)，大量的國(guó)產(chǎn)冰箱已經(jīng)上市。

　　Their quality is good, but their price is much lower.

　　它們質(zhì)量?jī)?yōu)良，價(jià)格卻便宜得多。

　　If we import your refrigerators at your price .I'm sure few customers will buy them.

　　如果我們按照顧你們的報(bào)價(jià)進(jìn)口你們的冰箱，我可以肯定不會(huì)有多和顧客買(mǎi)它們的。

　　Our price might be higher than your homemade refrigerators but our refrigerators are of better quality.

　　我們的價(jià)格可能比你們國(guó)產(chǎn)冰箱的價(jià)格要高，但是我們的質(zhì)量要好一些。

　　Now more and more customers like to use homemade refrigerators because of its low price and a good quality.

　　現(xiàn)在越來(lái)越多的顧客喜歡用國(guó)產(chǎn)冰箱，因?yàn)樗鼈儍r(jià)低質(zhì)優(yōu)，

　　and if you don't want to lose the market in China, I think you'd better reduce your price by at least 5%.

　　如果你們不想失去中國(guó)的市場(chǎng)，我認(rèn)為你們最好讓價(jià)5%。

　　To be frank with you , if we cut the price by 5% , it can barely cover our production cost.

　　坦率的說(shuō)，如果我們讓價(jià)5%，那幾乎不夠成本費(fèi)。

　　I should say a cut of 3% would be more realistic.

　　我認(rèn)為讓價(jià)3%是比較現(xiàn)實(shí)的。

　　The leave a gap of 2%.

　　還有2%的差價(jià)。

　　Our purpose is to do business on the basis of eqality and mutual benefit.

　　因?yàn)槲覀兊哪康氖窃谄降然ダ幕A(chǔ)上做生意，

　　So I suggest we meet each other halfway.

　　因此我建議我們各讓一半。

　　All right ,In order to conclude the transaction, let's meet halfway.

　　好吧，為了談成這筆交易，我們各讓一半。

　　Everything seems to be in order now.

　　看來(lái)一切都辦好了。

　　I'm glad we have brought this transaction to a successful conclusion.

　　我很高興我們做成了這筆交易。

　　Me, too.

　　我也是。