Tái cơ cấu nợ loan - Part 3 TOEIC Luyện Thi
Tóm tắt nhanh: Khách khó trả 3 loans, CSR đề nghị consolidate thành 1 payment. 3 câu hỏi: difficulty, plan, timeline.
Hội thoại
CSR: Hello. How can I help?
Customer (Jonas): I'm having trouble keeping up with my loan payments. I have three different loans with your bank.
CSR: I'm sorry to hear that. Let me look at your account. Your total outstanding balance is USD 80,000, with monthly payments totaling USD 1,400.
Jonas: Yes, that's correct. I've been paying them, but they're adding up.
CSR: We can help you consolidate them into a single loan. This would combine all three loans with one monthly payment of USD 950, depending on the new term.
Jonas: That's much better. How long would I have?
CSR: We can extend the term to 60 months at a similar interest rate.
Jonas: Can I apply online?
CSR: Yes, the application takes 5 minutes. After approval, the funds are consolidated within 7 business days.
3 câu hỏi trắc nghiệm
Question 1: What is the customer's total outstanding balance?
- (A) USD 50,000
- (B) USD 80,000 ✓
- (C) USD 100,000
- (D) USD 150,000
Đáp án: (B) - "USD 80,000".
Question 2: What is the new monthly payment?
- (A) USD 800
- (B) USD 950 ✓
- (C) USD 1,200
- (D) USD 1,400
Đáp án: (B) - "USD 950".
Question 3: What is the new loan term?
- (A) 36 months
- (B) 48 months
- (C) 60 months ✓
- (D) 84 months
Đáp án: (C) - "60 months".
Từ vựng
| Từ vựng | Nghĩa |
|---|---|
| trouble keeping up | khó bắt kịp |
| loan payments | khoản trả vay |
| outstanding balance | số dư nợ |
| monthly payments | khoản trả hàng tháng |
| totaling | tổng cộng |
| consolidate | hợp nhất |
| single loan | 1 khoản vay |
| combine | kết hợp |
| one monthly payment | một khoản trả/tháng |
| extend the term | gia hạn |
| similar interest rate | lãi suất tương tự |
| apply online | nộp online |
| takes 5 minutes | mất 5 phút |
| approval | phê duyệt |
| consolidated | hợp nhất |
| within 7 business days | trong 7 ngày làm việc |
| debt-to-income | tỷ lệ nợ/thu nhập |
Traps
Bẫy 1: Consolidated balance vs payment
- Same USD 80k balance, just lower monthly payment + longer term.
Bẫy 2: Application time
- "5 minutes application" ≠ "7 days funding".
Bẫy 3: Term extension
- 60 months (not 36 or 84).
Topic: Debt consolidation - 3 loans → 1 loan USD 80k, USD 950/mo 60 months.
Luyện ngay bộ đề mô phỏng TOEIC 2026 — 5.000+ câu hỏi, chấm điểm tức thì tại thithu.com/thi-tieng-anh.