二手車高於新車
Matt and Elaina are colleagues. Matt is asking Elaina about car loans.
馬特與埃琳娜是同事。馬特問埃琳娜有關車貸的問題。
Matt: Elaina, you just bought a car recently, right?
馬特：埃琳娜，你最近剛買車，對吧？
Elaina: Yes, I bought a brand new car a few weeks ago. Why? Are you thinking about buying one?
埃琳娜：對啊，我幾週前買了一台新車。怎麼？你想買車了嗎？
brand new(adj.)全新的
Matt: Yes, but when I asked about loans at the bank, they said that the rate for a used car loan is higher than a loan for a new car. I don’t understand why.
馬特：對啊，但當我向銀行詢問車貸時，他們說二手車的車貸利率比新車來得高。我搞不懂為什麼。
second-hand(adj.)二手的
Elaina: Oh, that is pretty common. It probably has to do with the depreciation of the car.
埃琳娜：噢，這很普遍啊。這大概跟車的折舊率有關。
common(adj.)常見的、普遍的uncommon(adj.)不常見的、不普遍的have (sth.) to do with sth. 跟某事物有關depreciation(n.)貶值depreciate(v.)(使)貶值appreciation(n.)增值
Matt: I’ve heard of depreciation, but I don’t really understand what it is.
馬特：我聽說過折舊率，但我不大明白那是什麼。
Elaina: It is a rate at which your car loses value over time. It takes into account the make, model and year of the car, the mileage and the overall mechanical and physical condition.
埃琳娜：折舊率是車隨著時間貶值的比率，納入計算的因素包含廠牌、車款、車齡、里程數、整體機械與外觀車況。
value(n.)價值take sth. into account 將某事物列入考量condition(n.)條件、狀況、狀態
Matt: Wow! That is a lot to consider. No wonder lenders prefer that buyers invest in new cars.
馬特：哇！要考量的還真多。怪不得貸款機構傾向買主投資在新車上。
consider(v.)考慮、考量invest (money, time, etc.) in sth. 投資(錢、時間等)在某事物上
Elaina: Exactly. The depreciation of a new car can usually be calculated accurately. For a used car, it might not be so simple. This additional risk prompts banks to charge higher loan rates.
埃琳娜：確實如此。新車的折舊率通常可以精確地計算出來。至於二手車，可就沒那麼簡單了，這額外的風險使得銀行得徵收較高的車貸利率。
calculate(v.)計算calculation(n.)計算、算式calculator(n.)計算機prompt sb. to do sth. 促使某人做某事=make sb. decide to do sth.