Vay tiêu dùng personal loan - Part 3 TOEIC Luyện Thi
Tóm tắt nhanh: Khách apply personal loan USD 15k debt consolidation 36 months 9.5%. 3 câu hỏi: purpose, income, amount.
Hội thoại
Loan Officer: Hello. How can I help you today?
Customer (Ella): I'm interested in a personal loan for debt consolidation.
Loan Officer: That's a great use of a personal loan. How much would you like to borrow?
Ella: USD 15,000.
Loan Officer: What's your monthly income?
Ella: Around USD 5,000 after taxes.
Loan Officer: OK. For a 36-month term at our current rate of 9.5% APR, your monthly payment would be about USD 481.
Ella: That's lower than my current credit card minimums combined. What's the application process?
Loan Officer: It's fully online. You'll need to provide proof of income, ID, and details of the debts you want to consolidate.
Ella: Great. How long until approval?
Loan Officer: Typically 2-3 business days.
3 câu hỏi trắc nghiệm
Question 1: What is the purpose of the loan?
- (A) Home renovation
- (B) Medical expenses
- (C) Debt consolidation ✓
- (D) Travel
Đáp án: (C) - "debt consolidation".
Question 2: What is the monthly income?
- (A) USD 3,000
- (B) USD 4,000
- (C) USD 5,000 ✓
- (D) USD 7,000
Đáp án: (C) - "USD 5,000 after taxes".
Question 3: How long does approval take?
- (A) Same day
- (B) 2-3 business days ✓
- (C) 1 week
- (D) 2 weeks
Đáp án: (B) - "2-3 business days".
Từ vựng
| Từ vựng | Nghĩa |
|---|---|
| personal loan | vay cá nhân |
| debt consolidation | hợp nhất nợ |
| borrow | vay |
| monthly income | thu nhập hàng tháng |
| after taxes | sau thuế |
| term | kỳ hạn |
| rate | lãi suất |
| monthly payment | trả hàng tháng |
| credit card minimums | khoản tối thiểu thẻ tín dụng |
| combined | kết hợp |
| application process | quy trình đăng ký |
| provide | cung cấp |
| proof of income | chứng minh thu nhập |
| details | chi tiết |
| debts | các khoản nợ |
| approval | phê duyệt |
| typically | thường lệ |
| interest rate | lãi suất |
Traps
Bẫy 1: APR vs monthly payment
- 9.5% APR - monthly USD 481 (không phải USD 60 như 5%/12).
Bẫy 2: Loan purpose
- "Debt consolidation" - thường được hỏi vì thường qualify.
Bẫy 3: Approval timing
- "Typically" = typical turnaround, không guarantee.
Topic: Personal loan USD 15k debt consolidation 36 months 9.5% APR.
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