信贷是体现一定经济关系的不同所有者之间的货币借贷行为。广义的信贷是指金融机构存款、贷款、结算的总称。狭义的信贷一般指银行或信用社的贷款。信贷不是指信用贷款。

　　相关词汇 　　asset/property n. 财产 　　booklet n. 手册 　　capital n. 资本 　　certificate n. 证明书，凭证 　　check n. & v. 审核 　　commercial adj. 商业的 　　compound housing loan 组合住宅贷款 　　credit card 信用卡 　　credit file 信用记录 　　fixed rate 固定利率 　　fixed salary income 固定收入 　　housing accumulation fund 　　loan 住房公积金贷款 　　housing loan 住宅贷款 　　loan n 贷款 　　loan-interest rate 贷款利率 　　mortgage n. 抵押，抵押借款 　　pay off 还清 　　prime rate 优惠利率 　　repayment of princi pallinterest 还本/息.
　　short/long term loan 短/长期贷款
[图片0] 　　情景对话: 　　A: Good morning. Is this the Credit and Loan Department? 　　B: Yes, sir. What can I do for you? 　　A: I'd like to apply for a housing loan. 　　B:All right. Our bank can offer personal commercial housing loans, housing accumulation fund loans and compound housing loans. Which one do you want to apply for? 　　A: Personal commercial housing loans. 　　B: Yes, sir. We usually lend 70% of the purchase price on up to 30 years of mortgage. 　　A: That sounds good. What's the interest rate on a thirty-year mortgage loan? 　　B: The annual prime rate is about %. 　　A: Well, what should I do to apply for the loan? 　　B: Here's our housing loan booklet. It explains all the details. After you read it, please fill in this application form and then provide us with your ID card, certificate offixed salary income, house-purchasing contract and other documents required by our bank. They are all listed in the booklet. 　　A: OK. Thank you. By the way, when can I get the money if I apply for the loan today? 　　B: You'll get it in a month. 　　A: All right. Thank you.
　　参考译文: 　　A:早上好.这里是信贷部吗? 　　B:是的.先生。有什么可以为您效劳的吗? 　　A:我想要中请住房贷款。 　　B:好的。我们银行可以提供个人住房商业贷款、公积金贷款和组合贷款。您想要中请哪种贷款呢? 　　A:我想要申请个人住房商业贷款。 　　B:好的，先生。我们通常可以提供高达住房成交价格70%的三十年抵押贷款. 　　A:听起来不错。三十年抵押贷款的利率是多少呢? 　　B:优惠年利率为%。 　　A:那么，我该如何申请贷款呢? 　　B:这是我们的住房贷款手册，对此进行了详细的介绍。您阅读之后，请填写这张申请表，并向我们提供您的身份证、固定收入证明、房屋购买合同以及其他所需要出示的文件。这些在这本手册中都已经明确列出了。 　　A:好的，谢谢。顺便问一下，如果我今天申请的话，什么时候能拿到贷款呢? 　　B:一个月后. 　　A:好的，谢谢。