用英语表达银行方面的事宜有困难?在去银行之前,练习下这些重要的词组吧。
你今天想做什么?
“Hello. I would like to...”你好,我想...
• “Open an account”开户
• “Deposit a cheque”存支票
• “Withdraw cash”提取现金
• “Exchange money”兑换货币
• “Take out a loan”抵充贷款
• “Ask about interest rates and bank charges”询问利率及银行手续费
• “Get a monthly statement and check my balance”获取月结单及查询余额
开户:
Customer: “I would like to open an account”
我想要开一个账户
Teller: “How much will your opening deposit be?”
您的开户存款额是多少呢?
Customer: “I have $200” 200美元。
谈论不同的账户:
银行会根据不同的服务级别或特点来命名账户。一般而言,只要是涉及到许多日交易的账户就是“current account”(现金账户)。
“My dad is a prestige banker” or 'I want to open an achiever account with my first pay check'.
“我爸爸是一个有声望的银行家”或者我想用我的第一张工资支票开一个账户”
“I gave notice for my 30-day account because I want to buy a car next month”.
由于我下个月想买辆车,我已经通知银行取出30天账户的钱了。
“I love my call account because I can manage my money by calling the bank”.
我喜欢我的电话账户,因为我通过电话联系银行就可以管理我的财产了。
“I placed my savings on fixed deposit to earn higher interest”.
我存了定期账户以获取更高的利息。
外汇(“Forex”)
You might ask: “What is the Dollars/Yen exchange rate?” or “How many Yen would I receive for US$500?”
你可能会问:“美元对日元的汇率是多少?”或者“我用500美元可以兑换到多少日元?”
“What commission do you charge to exchange currency?” or “I'd like to purchase travelers cheques”.
“你们将收取货币兑换多少手续费?”或者“我想购买你们的旅行支票。”
银行手续费/服务费:
银行是通过收取服务手续费和征收利息来盈利的。你可能会问银行人员:
“What interest rates do you offer on saving accounts?” or “Which investment account offers the best rate?”
存款账户的利率是多少?或者“哪一项投资账户能取得最佳利率?”
借款
买房子申请“home loan”(住房贷款)
还是“mortgage bond”(抵押债券)?
学生想要申请“study loan”(助学贷款)?
想拥有你的梦想之车?
申请“vehicle finance”(汽车贷款)?
只需去银行简单几步就能搞定!
信用卡 & 借记卡 & 透支
当你的借记卡把钱从账户中拿出后,你之后可以使用信用卡。当你刷卡时,金额会立即“debited”(被记入到)你的账户中。
“overdraft”(透支)是指你的账户里的“debit balance”(借方差额)。
“My account is overdrawn by $1000! I have to pay a lot of interest”
我的账户透支了1000美元!我不得不支付很多利息
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