信用評分
Linda is at the bank. She is talking with a consultant at the bank.
琳達現在在銀行，她在跟銀行顧問說話。
consult (v.)詢問,諮詢；consultant (n.)顧問；a financial consultant理財顧問
Consultant: Good afternoon, ma’am. How may I help you today?
顧問：下午好，女士。您需要什麽服務呢？
Linda: I have a few questions about applying for a loan.
琳達：我有幾個關於申請貸款的問題。
apply (v.)申請；apply for a job 申請工作,求職,找工作loan (n.)貸款；take out a loan 借款
Consultant: Certainly, what kind of loan are you looking for?
顧問：好的，您是要申請哪種貸款呢？
Linda: I want a loan to buy a new house, and I am wondering if it’s possible for me to get a $300,000 home loan.
琳達：我想要貸款買一間新房子，我在想是否有可能拿到30萬美元的貸款。
wonder (v.)想知道home loan=mortgage
Consultant: Well, it depends. Have you checked your credit score recently?
顧問：這不一定。您最近是否有看過您的信用評分呢？
It depends. 要看情況而定。
Linda: Yes, I have a credit score of 680. I always pay my debts on time.
琳達：有啊，我的信用評分是680。我總是準時還款。
debt (n.)債務,欠款；deep in debt 債台高築
Consultant: Excellent! What is your gross monthly income?
顧問：太棒了，那您的每月總收入是多少呢？
gross (adj.)總共；gross profit (gross margin)毛利income (n.)收入
Linda: I make $1500 a week, so I suppose my average monthly income would be about $6000.
琳達：我一個禮拜賺1500美元，所以我想我平均每月收入應該是6000美元左右。
make=earn (v.)賺suppose (v.)料想,推測
Consultant: From what I have heard, you have a good chance of getting the loan, but I can’t say for sure until you fill out the application and supply more financial records.
顧問：從我所聽到的來判斷，您拿到這筆貸款的可能性很高，但要等到您填寫完申請表並提供更多財務記錄後才能確定。
have a good chance=have a big chance 可能性很高fat chance 機會渺茫application (n.)申請表fill out an application 填寫申請表supply (v.)提供=provide；supply and demand 供需
Linda: I see. Do you have a brochure for home loans?
琳達：我明白了。你有沒有房屋貸款的宣傳冊呢？
brochure(n.)小冊子,廣告冊子
Consultant: Of course! Here you are. It has all the information you need from interest rates to payment options.
顧問：當然有，這本給您。上面有您所需要的所有資訊，從利率到還款方式都有。
interest (n.)利息option (n.)選擇,選項
Linda: Great!
琳達：太好了。