Vay mua xe auto loan - Part 3 TOEIC Luyện Thi
Tóm tắt nhanh: Khách apply auto loan USD 35k, 36 months 6.5% APR, 10% down. 3 câu hỏi: giá xe, down, term.
Hội thoại
Loan Officer: Welcome to Premier Bank Auto Loans. How can I help?
Customer (Manish): I'd like to finance a new car. The price is USD 35,000.
Loan Officer: Great. What's your down payment?
Manish: I can put down 10%, so USD 3,500.
Loan Officer: That means we'll finance USD 31,500. Over how many months would you like to pay?
Manish: 36 months, if possible.
Loan Officer: For 36 months, our APR is 6.5%. Your monthly payment would be USD 962.
Manish: That's within my budget. What documents do I need?
Loan Officer: Proof of income, ID, and proof of insurance for the vehicle.
Manish: Got it. Thanks.
3 câu hỏi trắc nghiệm
Question 1: What is the car's price?
- (A) USD 25,000
- (B) USD 31,500
- (C) USD 35,000 ✓
- (D) USD 50,000
Đáp án: (C) - "USD 35,000".
Question 2: How much is the down payment?
- (A) USD 1,500
- (B) USD 3,500 ✓
- (C) USD 5,000
- (D) USD 10,000
Đáp án: (B) - "USD 3,500".
Question 3: What is the monthly payment?
- (A) USD 800
- (B) USD 962 ✓
- (C) USD 1,100
- (D) USD 1,500
Đáp án: (B) - "USD 962".
Từ vựng
| Từ vựng | Nghĩa |
|---|---|
| finance | tài trợ |
| price | giá |
| down payment | trả trước |
| months | tháng |
| APR | lãi suất năm |
| monthly payment | trả hàng tháng |
| within my budget | trong ngân sách |
| proof of income | chứng minh thu nhập |
| proof of insurance | chứng minh bảo hiểm |
| vehicle | xe |
| finance | vay mua |
| terms | điều khoản |
| depreciation | khấu hao |
| guaranteed | được bảo đảm |
| amount financed | số tiền vay |
| payment schedule | lịch thanh toán |
Traps
Bẫy 1: Amount financed
- USD 35,000 - USD 3,500 = USD 31,500 financed. Đừng nhầm 35k.
Bẫy 2: Term vs APR
- 36 months → 6.5% APR.
Bẫy 3: Documents
- 3 documents: income, ID, insurance.
Topic: Auto loan USD 35k, 10% down, 36 months 6.5% APR.
Luyện ngay bộ đề mô phỏng TOEIC 2026 — 5.000+ câu hỏi, chấm điểm tức thì tại thithu.com/thi-tieng-anh.