买二手车融资渠道 | 口语小本本spoken.cc

[00:00.00]I am buying a used car 
[00:01.44]and don't know much 
[00:02.32]about financing it.
[00:03.46]I can help you. 
[00:04.56]Do you have a down payment?
[00:05.86]Yes, I have saved up 
[00:07.16]three thousand dollars 
[00:07.98]for a down payment.
[00:09.90]Good, because you will not be 
[00:11.50]able to get a loan without putting 
[00:12.59]some money down on the car.
[00:13.93]I don't know 
[00:14.82]where exactly to get a loan.
[00:15.89]Other than friends or family, 
[00:17.85]you can go to a bank, 
[00:19.26]credit union, 
[00:20.57]or use the dealer financing 
[00:22.00]if you bought the car off a car lot.
[00:23.69]What is the best choice 
[00:25.51]for financing?
[00:26.55]It depends. 
[00:27.65]The worst financing deal 
[00:29.55]is usually at the dealer, 
[00:31.13]but they will oftentimes 
[00:32.48]give you a loan 
[00:33.26]when a bank turns you down.
[00:34.72]What do I need to have with me 
[00:36.91]when I apply for the loan?
[00:38.56]You will need a recent pay stub 
[00:40.74]and a copy of the pink 
[00:41.82]slip for the car. 
[00:42.97]Before the loan is complete, 
[00:44.81]you will need to 
[00:45.64]show proof of insurance. Good luck!
[00:48.10]Can you help me learn about 
[00:50.26]financing options for a used car?
[00:52.64]I would love to help you 
[00:53.91]with what I know. 
[00:54.93]I am assuming 
[00:55.76]that you have a down payment.
[00:57.40]Yes, I already borrowed some money 
[00:59.28]from my parents 
[01:00.25]for the down payment.
[01:01.21]That will work. 
[01:02.90]A bank or finance company 
[01:03.55]will not loan you money 
[01:05.80]without a down payment.
[01:06.24]I am not sure 
[01:07.61]who will loan me money.
[01:09.87]You can apply for a loan at a bank, 
[01:11.33]credit union, 
[01:12.34]or approach the used car dealer 
[01:14.00]who sold you the car. 
[01:15.22]You might also try family and friends.
[01:17.33]Who offers the best interest rate?
[01:19.99]A credit union will usually 
[01:21.51]give you the best interest rate, 
[01:23.60]but the dealer will almost always 
[01:24.82]give you some type of loan.
[01:26.73]Do I need any documents 
[01:28.31]when I apply for a car loan?
[01:30.24]Be sure that you 
[01:31.27]take a recent pay stub 
[01:32.32]and a copy of the pink slip. 
[01:34.30]You will have a few days 
[01:35.73]to produce proof of insurance. 
[01:37.40]Enjoy your new car!
[01:38.86]I need help figuring out 
[01:41.16]how to pay for a used car 
[01:42.50]that I am thinking of buying.
[01:43.74]I would be happy to help you. 
[01:45.44]Have you saved up a down payment?
[01:47.18]I will be getting money 
[01:48.69]from selling my old car.
[01:49.94]You really need that money 
[01:51.36]so that a bank or finance company 
[01:53.22]will loan you 
[01:54.22]the rest of the money that you need.
[01:55.62]Who gives loans out to 
[01:56.82]people wanting to buy cars?
[01:58.52]Usually people go to a bank, 
[02:00.36]credit union, or, 
[02:01.59]if they bought the car at a car lot, 
[02:04.21]they might use 
[02:05.10]the dealer finance company.
[02:06.46]What is the best place 
[02:08.44]to get financing?
[02:09.87]The dealer will 
[02:10.55]charge you a higher interest rate, 
[02:12.21]but sometimes they are 
[02:13.96]your only choice 
[02:15.20]if you are just starting out.
[02:16.73]Will I need some documentation 
[02:18.22]when I apply for the loan?
[02:19.86]Just make sure 
[02:20.73]that you bring them 
[02:21.66]your last pay stub 
[02:22.98]and a copy of the pink slip. 
[02:24.17]You can then work on getting insured. 
[02:26.42]Enjoy your new car!

买二手车融资渠道

买二手车怎样付款 How to Pay for the Used Car

tags: 买车二手融资

内容

英中
中英
盲听

1

Conversation 1: I am buying a used car and don't know much about financing it. - I can help you. Do you have a down payment?

显示译文▼

我要买一辆二手车，对它的融资不太了解。 - 我可以帮你，你有付首付的钱吗？

2

Yes, I have saved up three thousand dollars for a down payment.

显示译文▼

是的，我存了三千美元作首付。

3

Good, because you will not be able to get a loan without putting some money down on the car. - I don't know where exactly to get a loan.

显示译文▼

很好，因为如果你不把钱花在车上，你就不能得到贷款。 - 我不知道从哪里贷款。

4

Other than friends or family, you can go to a bank, credit union, or use the dealer financing if you bought the car off a car lot⁽¹⁾.

显示译文▼

除了朋友或家人，你可以去银行、信用合作社，或使用经销商融资，如果你在车铺买断一辆车。
⁽¹⁾car lot，车场、车铺、车展销中心。

5

What is the best choice for financing? - It depends. The worst financing deal is usually at the dealer, but they will oftentimes give you a loan when a bank turns you down.

显示译文▼

融资的最佳选择是什么？ - 视情况而定，最糟糕的融资交易通常是在经销商，但银行拒绝你时他们往往仍会给你贷款。

6

What do I need to have with me when I apply for the loan?

显示译文▼

我申请贷款时需要随身携带什么？

7

You will need a recent pay stub and a copy of the pink slip⁽²⁾ for the car. Before the loan is complete, you will need to show proof of insurance. Good luck!

显示译文▼

你需要一份最近的工资存根和一份这辆车的验车单复印件，在贷款完成之前，你需要出示保险证明，祝你好运！
⁽²⁾Pink slip，粉红色的小纸条，Pink slip最早出现于20世纪初，指的是“员工周薪信封里夹着的粉红色小纸条”，当然，收到“pink slip”的员工随即将被解聘。至于为什么要用粉红色，有解释认为，粉红色相对而言比较柔和，似乎可以慰藉被裁员工的“受伤心灵”。在用于车辆检查方面，Pink slip表示验车单，在西方国家二手车出售前一定需要出示验车单pink slip才能过户，旧车年审是一定要有Pink Slip的。

8

Conversation 2: Can you help me learn about financing options for a used car?

显示译文▼

你能帮我了解二手车的融资选择吗？

9

I would love to help you with what I know. I am assuming that you have a down payment.

显示译文▼

我很乐意帮助你了解我所知道的，我假设你已经准备好首付。

10

Yes, I already borrowed some money from my parents for the down payment.

显示译文▼

是的，我已经向父母借了一些钱作为首付。

11

That will work. A bank or finance company will not loan you money without a down payment. - I am not sure who will loan me money.

显示译文▼

那就行了，没有首付，银行或金融公司不会贷款给你。 - 我不知道谁会借钱给我。

12

You can apply for a loan at a bank, credit union, or approach the used car dealer who sold you the car. You might also try family and friends.

显示译文▼

你可以向银行、信用合作社申请贷款，或者找卖你车的二手车经销商，你也可以试试家人和朋友。

13

Who offers the best interest rate? - A credit union will usually give you the best interest rate, but the dealer will almost always give you some type of loan.

显示译文▼

谁的利率最高？ - 信用合作社通常会给你最好的利率，但经销商几乎总是会给你某种指定类型的贷款。

14

Do I need any documents when I apply for a car loan?

显示译文▼

我申请汽车贷款时需要什么文件吗？

15

Be sure that you take a recent pay stub and a copy of the pink slip. You will have a few days to produce proof of insurance. Enjoy your new car!

显示译文▼

一定要带一份最近的工资存根和一份验车单复印件，你有几天时间出示保险证明，好好享受你的新车吧！

16

Conversation 3: I need help figuring out how to pay for a used car that I am thinking of buying.

显示译文▼

我需要帮助弄清楚如何支付我想买的二手车的费用。

17

I would be happy to help you. Have you saved up a down payment? - I will be getting money from selling my old car.

显示译文▼

我很乐意帮助你，你攒够首付了吗？ - 我要卖我的旧车来融钱。

18

You really need that money so that a bank or finance company will loan you the rest of the money that you need.

显示译文▼

你真的需要这笔钱，这样银行或金融公司就会把你需要的钱借给你。

19

Who gives loans out to people wanting to buy cars? - Usually people go to a bank, credit union, or, if they bought the car at a car lot, they might use the dealer finance company.

显示译文▼

谁向想买车的人发放贷款？ - 通常人们会去银行、信用合作社，或者，如果他们是在车商买的车，他们可能会使用经销商自己的金融公司。

20

What is the best place to get financing? - The dealer will charge you a higher interest rate, but sometimes they are your only choice if you are just starting out.

显示译文▼

获得融资的最佳场所是什么？ - 经销商会向您收取更高的利率，但有时如果您刚刚起步，他们是您唯一的选择。

21

Will I need some documentation when I apply for the loan?

显示译文▼

我申请贷款时需要一些文件吗？

22

Just make sure that you bring them your last pay stub and a copy of the pink slip. You can then work on getting insured. Enjoy your new car!

显示译文▼

一定要给他们带上你最后的工资存根和一份验车单复印件，然后你就可以开始投保了，好好享受你的新车吧！

1

我要买一辆二手车，对它的融资不太了解。 - 我可以帮你，你有付首付的钱吗？

显示原文▼

Conversation 1: I am buying a used car and don't know much about financing it. - I can help you. Do you have a down payment?

2

是的，我存了三千美元作首付。

显示原文▼

Yes, I have saved up three thousand dollars for a down payment.

3

很好，因为如果你不把钱花在车上，你就不能得到贷款。 - 我不知道从哪里贷款。

显示原文▼

Good, because you will not be able to get a loan without putting some money down on the car. - I don't know where exactly to get a loan.

4

除了朋友或家人，你可以去银行、信用合作社，或使用经销商融资，如果你在车铺买断一辆车。

显示原文▼

Other than friends or family, you can go to a bank, credit union, or use the dealer financing if you bought the car off a car lot⁽¹⁾.
⁽¹⁾car lot，车场、车铺、车展销中心。

5

融资的最佳选择是什么？ - 视情况而定，最糟糕的融资交易通常是在经销商，但银行拒绝你时他们往往仍会给你贷款。

显示原文▼

What is the best choice for financing? - It depends. The worst financing deal is usually at the dealer, but they will oftentimes give you a loan when a bank turns you down.

6

我申请贷款时需要随身携带什么？

显示原文▼

What do I need to have with me when I apply for the loan?

7

你需要一份最近的工资存根和一份这辆车的验车单复印件，在贷款完成之前，你需要出示保险证明，祝你好运！

显示原文▼

You will need a recent pay stub and a copy of the pink slip⁽²⁾ for the car. Before the loan is complete, you will need to show proof of insurance. Good luck!
⁽²⁾Pink slip，粉红色的小纸条，Pink slip最早出现于20世纪初，指的是“员工周薪信封里夹着的粉红色小纸条”，当然，收到“pink slip”的员工随即将被解聘。至于为什么要用粉红色，有解释认为，粉红色相对而言比较柔和，似乎可以慰藉被裁员工的“受伤心灵”。在用于车辆检查方面，Pink slip表示验车单，在西方国家二手车出售前一定需要出示验车单pink slip才能过户，旧车年审是一定要有Pink Slip的。

8

你能帮我了解二手车的融资选择吗？

显示原文▼

Conversation 2: Can you help me learn about financing options for a used car?

9

我很乐意帮助你了解我所知道的，我假设你已经准备好首付。

显示原文▼

I would love to help you with what I know. I am assuming that you have a down payment.

10

是的，我已经向父母借了一些钱作为首付。

显示原文▼

Yes, I already borrowed some money from my parents for the down payment.

11

那就行了，没有首付，银行或金融公司不会贷款给你。 - 我不知道谁会借钱给我。

显示原文▼

That will work. A bank or finance company will not loan you money without a down payment. - I am not sure who will loan me money.

12

你可以向银行、信用合作社申请贷款，或者找卖你车的二手车经销商，你也可以试试家人和朋友。

显示原文▼

You can apply for a loan at a bank, credit union, or approach the used car dealer who sold you the car. You might also try family and friends.

13

谁的利率最高？ - 信用合作社通常会给你最好的利率，但经销商几乎总是会给你某种指定类型的贷款。

显示原文▼

Who offers the best interest rate? - A credit union will usually give you the best interest rate, but the dealer will almost always give you some type of loan.

14

我申请汽车贷款时需要什么文件吗？

显示原文▼

Do I need any documents when I apply for a car loan?

15

一定要带一份最近的工资存根和一份验车单复印件，你有几天时间出示保险证明，好好享受你的新车吧！

显示原文▼

Be sure that you take a recent pay stub and a copy of the pink slip. You will have a few days to produce proof of insurance. Enjoy your new car!

16

我需要帮助弄清楚如何支付我想买的二手车的费用。

显示原文▼

Conversation 3: I need help figuring out how to pay for a used car that I am thinking of buying.

17

我很乐意帮助你，你攒够首付了吗？ - 我要卖我的旧车来融钱。

显示原文▼

I would be happy to help you. Have you saved up a down payment? - I will be getting money from selling my old car.

18

你真的需要这笔钱，这样银行或金融公司就会把你需要的钱借给你。

显示原文▼

You really need that money so that a bank or finance company will loan you the rest of the money that you need.

19

谁向想买车的人发放贷款？ - 通常人们会去银行、信用合作社，或者，如果他们是在车商买的车，他们可能会使用经销商自己的金融公司。

显示原文▼

Who gives loans out to people wanting to buy cars? - Usually people go to a bank, credit union, or, if they bought the car at a car lot, they might use the dealer finance company.

20

获得融资的最佳场所是什么？ - 经销商会向您收取更高的利率，但有时如果您刚刚起步，他们是您唯一的选择。

显示原文▼

What is the best place to get financing? - The dealer will charge you a higher interest rate, but sometimes they are your only choice if you are just starting out.

21

我申请贷款时需要一些文件吗？

显示原文▼

Will I need some documentation when I apply for the loan?

22

一定要给他们带上你最后的工资存根和一份验车单复印件，然后你就可以开始投保了，好好享受你的新车吧！

显示原文▼

Just make sure that you bring them your last pay stub and a copy of the pink slip. You can then work on getting insured. Enjoy your new car!

1

Conversation 1: I am buying a used car and don't know much about financing it. - I can help you. Do you have a down payment?
2

Yes, I have saved up three thousand dollars for a down payment.
3

Good, because you will not be able to get a loan without putting some money down on the car. - I don't know where exactly to get a loan.
4

Other than friends or family, you can go to a bank, credit union, or use the dealer financing if you bought the car off a car lot⁽¹⁾.
5

What is the best choice for financing? - It depends. The worst financing deal is usually at the dealer, but they will oftentimes give you a loan when a bank turns you down.
6

What do I need to have with me when I apply for the loan?
7

You will need a recent pay stub and a copy of the pink slip⁽²⁾ for the car. Before the loan is complete, you will need to show proof of insurance. Good luck!
8

Conversation 2: Can you help me learn about financing options for a used car?
9

I would love to help you with what I know. I am assuming that you have a down payment.
10

Yes, I already borrowed some money from my parents for the down payment.
11

That will work. A bank or finance company will not loan you money without a down payment. - I am not sure who will loan me money.
12

You can apply for a loan at a bank, credit union, or approach the used car dealer who sold you the car. You might also try family and friends.
13

Who offers the best interest rate? - A credit union will usually give you the best interest rate, but the dealer will almost always give you some type of loan.
14

Do I need any documents when I apply for a car loan?
15

Be sure that you take a recent pay stub and a copy of the pink slip. You will have a few days to produce proof of insurance. Enjoy your new car!
16

Conversation 3: I need help figuring out how to pay for a used car that I am thinking of buying.
17

I would be happy to help you. Have you saved up a down payment? - I will be getting money from selling my old car.
18

You really need that money so that a bank or finance company will loan you the rest of the money that you need.
19

Who gives loans out to people wanting to buy cars? - Usually people go to a bank, credit union, or, if they bought the car at a car lot, they might use the dealer finance company.
20

What is the best place to get financing? - The dealer will charge you a higher interest rate, but sometimes they are your only choice if you are just starting out.
21

Will I need some documentation when I apply for the loan?
22

Just make sure that you bring them your last pay stub and a copy of the pink slip. You can then work on getting insured. Enjoy your new car!