審核信用評分
Bank Teller: Hi, ma’am. How may I help you?
行員：嗨，這位女士，請問需要什麼協助？
Maggie: Hello, I’d like to inquire about applying for a mortgage.
瑪姬：您好，我想詢問房貸的申請事宜。
inquire(v.)詢問apply for=申請
Bank Teller: OK. We need to take a look at your job history and income as well as your credit score to see whether you are able to repay the mortgage.
行員：好的，為評估您是否有能力還款，我們需要審核您的工作紀錄、收入以及信用評分。
score(n.)得分repay(v.)償還
Maggie: What is the minimum credit score for a mortgage at your bank?
瑪姬：這家銀行申貸的信用評分門檻是多少？
minimum(n.)(adj.)最低限度(的)
Bank Teller: It’s 640.
行員：640。
Maggie: That’s higher than the score I currently have.
瑪姬：那比我目前的評分高呢。
Bank Teller: A high credit score tells us that you make your payments on time and that you don’t have a history of borrowing too much money.
行員：信用評分高的話，表示您按時還款，而且負債不多。
on time=準時
Maggie: Does that mean I can’t take out a mortgage with a score below 640?
瑪姬：那是否表示評分低於640就無法申請房貸？
Bank Teller: I’m afraid that’s the case with our bank. You can try to boost your credit score before the application.
行員：恐怕這是本行的規定。您可以在申貸前試著提高信用評分。
boost(v.)提高application(n.)申請
Maggie: Will I have more mortgage options if I have a higher score?
瑪姬：如果評分比較高的話就會有更多房貸的選擇嗎？
option(n.)選項;選擇
Bank Teller: Of course you will. It also comes with lower interest rates.
行員：當然，而且利率也會比較低。
come with=隨附interest(n.)利息
Maggie: What else will you look at?
瑪姬：銀行還會審核什麼？
Bank Teller: We will take a look at your assets, including any type of account that you can draw cash from.
行員：本行還會看您有多少資產，包括任何一類的提款帳戶。
asset(n.)資產account(n.)帳戶;帳號draw(v.)提取;提款