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1.惯用口语句子：
I'd like to ask about taking a loan.
我想问一下贷款的事情。
I'd like to know the procedure of applying for a loan.
我想了解一下申请贷款的程序。
loan n. 贷款
apply v. 申请
apply for“申请”
I'd like to apply for a loan.
我想申请一笔贷款。
I'd like to apply for a mortgage.
我想申请一笔抵押贷款。
mortgage n. & v. 抵押
I'd like to apply for a home equity loan.
我想申请住房抵押贷款。
I want to mortgage my home.
我要把住宅作为抵押。
equity n. 抵押资产的净值
I'd like a variable interest rate mortgage.
我想要一笔可变利率抵押贷款。
variable a. 可变的
Please explain an adjustable rate mortgage.
请解释一下可调利率抵押贷款。
adjustable a. 可调整的
Could you please tell me something about fixed rate loans?
麓给我解释一下固定利率贷款吗？
fixed a. 固定的
Do you have any 20-year terms available?
你们办理返还期为20年的贷款业务吗？
term n. 条款
available a. 可利用的，可获得的
Is there a prepayment penalty?
有提前还款罚金吗？
prepayment n. 先付，预缴
penalty n. 处罚，罚款
I'd like to borrow 2 thousand dollars.
我想贷两千美元。
How much can I borrow?
我可以贷多少钱？
What are my monthly principal and interest payments?
我每个月要付的本息是多少？
principal n. 本金
How large a down payment is required?
首期付款是多少？
down payment（分期付款的）首次付款
