利息最低方案
Jane wants to buy a car. She is taking out a loan from the bank.
珍要買車，她向銀行借貸。
apply or ask for a loan=申請貸款
Bank teller: Now that we’ve accepted your loan request, how would you like to pay off your debt?
行員：既然妳的貸款申請已經核准了，你計劃怎麼償還貸款呢？
accept(v.)接受;批准deny(v.)否決debt(n.)債務debtor(n.)債務人
Jane: Could you tell me the different ways to pay it off?
珍：您能否告訴我有哪些不同的還款方式？
Bank teller: Certainly. The standard repayment plan would be regular monthly payments of the same amount until the loan plus interest is paid off.
行員：當然可以。一般還款方案會是每月交付固定金額，直到還完貸款本金與利息為止。
repayment(n.)償還interest(n.)利息
Jane: Is this recommended?
珍：你推薦這種方案嗎？
recommend(v.)推薦;建議
Bank teller: Yes, because it accrues the least amount of interest.
行員：對，因為這種還款方案的利息最低。
accrue(v.)累積
Jane: What is another plan?
珍：另一個方案是什麼？
Bank teller: Another would be an extended plan. This is similar to the standard plan, but the borrower has up to 25 years to pay back the money.
行員：另一個方案是延期還款方案，類似於一般還款方案，但借款人得在25年內還清貸款。
be similar to=跟…類似borrower(n.)借方lender(n.)貸方
Jane: Then the monthly bills would be lower, right?
珍：每月還款金額會比較低，對嗎？
Bank teller: Yes, but there would be more interest fees.
行員：是的，但利息會比較多。
Jane: Oh, right. I’ll go with the standard plan then.
珍：好吧，那我選一般還款方案。
go with=採納
Bank teller: Good choice.
行員：明智之選。