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Produced by: 馬太太
Transcribed by: 鄺慧明

銀行服務包括存款戶口.
Ngan4 hong4 fuk6 mou6 baau1 kut3 cyun4 fun2 wu6 hau2.
Bank services include bank accounts.

存款戶口分為儲蓄戶口, 定期存款戶口同埋往來戶口.
Cyun4 fun2 wu6 hau2 fan1 wai6 cyu5 cuk1 wu6 hau2, ding6 kei4 cyun4 fun2 wu6 hau2 tung4 maai4 wong5 loi4 wu6 hau2.
Bank accounts are divided into savings accounts, (fixed) term deposit accounts, and current accounts.

儲蓄戶口可以處理日常嘅存錢, 攞錢, 轉帳嘅服務.
Cyu5 cuk1 wu6 hau2 ho2 ji5 cyu5 lei5 jat6 soeng4 ge3 cyun4 cin4*2, lo2 cin4*2, zyun2 zoeng3 ge3 fuk6 mou6.
Savings accounts allow management of everyday deposits, withdrawals and transfer services.

而戶口嘅結餘, 就可以賺取利息.
Ji4 wu6 hau2 ge3 git3 jyu4, zau6 ho2 ji5 zaan6 ceoi2 lei6 sik1.
When you have a (positive) bank balance, you can earn interest.

定期存款戶口就係需要存入一筆錢, 喺一段固定嘅時間之內呢, 都唔會拎出嚟嘅.
Ding6 kei4 cyun4 fun2 wu6 hau2 zau6 hai6 seoi1 jiu3 cyun4 jap6 jat1 bat1 cin4*2, hai2 jat1 dyun6 gu3 ding6 ge3 si4 gaan3 zi1 noi6 ne1, dou1 m4 wui5 ling1 ceot1 lei4 ge3.
(Fixed) term deposit accounts require you to deposit an amount of money, (and) within a certain period of time, you cannot take it out.

噉就可以賺到更高嘅利息作為回報.
Gam2 zau6 ho2 ji5 zaan6 dou3 gang3 gou1 ge3 lei6 sik1 zok3 wai6 wui5 bou3.
In this way, you can earn higher interest as a reward.

往來戶口就可以簽發支票支付日常各項賬務.
Wong5 loi4 wu6 hau2 zau6 ho2 ji5 cim1 faat3 zi1 piu3 zi1 fu6 jat6 soeng4 gok3 hong6 zoeng3 mou6.
Current accounts allow you to sign and issue cheques to pay each everyday account.

銀行服務重包括樓宇按揭.
Ngan4 hong4 fuk6 mou6 zung6 baau1 kut3 lau4 jyu5 on3 kit3.
Bank services also include building mortgages.

樓宇按揭就即係買樓嘅貸款.
Lau4 jyu5 on3 kit3 zau6 zik1 hai6 maai5 lau4*2 ge3 taai3 fun2.
Building mortgages are loans for buying buildings.

另一個服務係私人貸款.
Ling6 jat1 go3 fuk6 mou6 hai6 si1 jan4 taai3 fun2.
Another service is (providing) personal loans.

例如你想買車, 旅遊, 裝修屋企, 升學, 或者係營商投資.
Lai4 jyu4 nei5 soeng2 maai5 ce1, leoi5 jau4, zong1 sau1 uk1 kei2, sing1 hok6, waak6 ze2 hai6 jing4 soeng1 tau4 zi1.
For example, if you want to buy a car, travel, renovate your home, further your education or for business investments.

呢啲都係屬於私人貸款嘅項目.
Ni1 di1 dou1 hai6 suk6 jyu1 si1 jan4 taai3 fun2 ge3 hong6 muk6.
These all belong to the item of personal loans.

其他嘅銀行服務重包括保險, 投資, 信用卡同埋理財等等.
Kei4 taa1 ge3 ngan4 hong4 fuk6 mou6 zung6 baau1 kut3 bou2 him2, tau4 zi1, soen3 jung6 kaat1 tung4 maai4 lei5 coi4 dang2 dang2.
Other bank services include insurance, investment, credit cards and financing etc.