Trả nợ trước hạn early repayment - Part 3 TOEIC Luyện Thi
Tóm tắt nhanh: Khách muốn trả USD 20k balance early, penalty 3 tháng interest. 3 câu hỏi: balance, penalty, process.
Hội thoại
Loan Officer: Hello. How can I help?
Customer (Patricia): I want to pay off my personal loan early.
Loan Officer: Sure. What's your remaining balance?
Patricia: USD 20,000.
Loan Officer: Since you have a 36-month term loan and you're in month 12, there's an early repayment penalty.
Patricia: What's the penalty?
Loan Officer: It's equivalent to 3 months of interest, which would be approximately USD 350.
Patricia: That's manageable. What's the process?
Loan Officer: You can pay the full balance plus the penalty by wire transfer, certified check, or mobile app. The loan will be closed within 3-5 business days.
Patricia: I'll do it via mobile app today.
3 câu hỏi trắc nghiệm
Question 1: What is the customer's remaining balance?
- (A) USD 10,000
- (B) USD 15,000
- (C) USD 20,000 ✓
- (D) USD 25,000
Đáp án: (C) - "USD 20,000".
Question 2: What is the early repayment penalty?
- (A) USD 150
- (B) USD 350 ✓
- (C) USD 500
- (D) USD 1,000
Đáp án: (B) - "approximately USD 350".
Question 3: How many business days until loan closure?
- (A) Same day
- (B) 1-2 days
- (C) 3-5 days ✓
- (D) 14 days
Đáp án: (C) - "3-5 business days".
Từ vựng
| Từ vựng | Nghĩa |
|---|---|
| pay off | trả hết |
| remaining balance | số dư còn lại |
| term | kỳ hạn |
| in month 12 | ở tháng thứ 12 |
| early repayment penalty | phạt trả trước |
| equivalent to | tương đương với |
| interest | lãi |
| manageable | quản lý được |
| process | quy trình |
| full balance | toàn bộ số dư |
| wire transfer | chuyển khoản điện tử |
| certified check | séc ngân hàng (đã định nghĩa) |
| mobile app | ứng dụng di động |
| loan will be closed | khoản vay sẽ đóng |
| early payoff | trả hết sớm |
| prepayment | trả trước |
Traps
Bẫy 1: Balance vs payment
- USD 20k balance, USD 350 penalty - tổng USD 20,350.
Bẫy 2: Loan closure time
- "3-5 business days" - không "instant" - bank cần xác minh.
Bẫy 3: Month reference
- "Month 12 of 36" - còn 24 tháng.
Topic: Early repayment USD 20k balance + USD 350 penalty (3 months interest).
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