Bảo lãnh guarantee loan - Part 3 TOEIC Luyện Thi
Tóm tắt nhanh: Khách muốn bảo lãnh em trai USD 25k loan 5 năm, fee 2%. 3 câu hỏi: type, amount, fee.
Hội thoại
Loan Officer: Hello. How can I help?
Customer (Marco): I'd like to act as a guarantor for my brother's personal loan. He's applying for USD 25,000.
Loan Officer: Sure. We'll need to check both your credit history and his, but you should be aware that as a guarantor, you're taking on the same responsibility as the primary borrower if he can't pay.
Marco: I understand. What's the term?
Loan Officer: He's applied for a 5-year term.
Marco: Is there a guarantee fee?
Loan Officer: Yes, there's a one-time guarantee fee of 2% of the loan amount, charged to the primary borrower at disbursement.
Marco: Got it. What documents do you need from me?
Loan Officer: Your ID, proof of income, and a signed guarantor agreement.
3 câu hỏi trắc nghiệm
Question 1: How much is the brother's loan?
- (A) USD 15,000
- (B) USD 20,000
- (C) USD 25,000 ✓
- (D) USD 30,000
Đáp án: (C) - "USD 25,000".
Question 2: What is the loan term?
- (A) 3 years
- (B) 4 years
- (C) 5 years ✓
- (D) 10 years
Đáp án: (C) - "5-year term".
Question 3: What is the guarantee fee?
- (A) 1%
- (B) 2% ✓
- (C) 3%
- (D) 5%
Đáp án: (B) - "2% of the loan amount".
Từ vựng
| Từ vựng | Nghĩa |
|---|---|
| guarantor | người bảo lãnh |
| primary borrower | người vay chính |
| credit history | lịch sử tín dụng |
| taking on | gánh chịu |
| responsibility | trách nhiệm |
| primary borrower | người vay chính |
| guarantee fee | phí bảo lãnh |
| one-time | một lần |
| loan amount | số tiền vay |
| charged to | charge cho |
| at disbursement | tại giải ngân |
| proof of income | chứng minh thu nhập |
| signed guarantor agreement | thỏa thuận bảo lãnh đã ký |
| act as a guarantor | đóng vai người bảo lãnh |
| collateral | tài sản thế chấp |
| guaranty | bảo hành |
Traps
Bẫy 1: Guarantor liability
- Guarantor CHỊU TRÁCH NHIỆM 100% nếu primary borrower không trả.
Bẫy 2: Fee payer
- Fee charged to borrower (not guarantor).
Bẫy 3: Term
- 5 years, không thay đổi.
Topic: Guarantor cho personal loan với USD 25k, 5 years, 2% fee.
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