NAATI CCL Korean 금융·은행 연습 대화 — 실전 예제

Good morning. Welcome to Commonwealth Bank. How can I help you today?

호주에 막 도착했고 은행 계좌를 개설해야 해요. 학생 비자로 왔어요. 뭐가 필요한가요?

If you've arrived within the past six weeks, you only need your passport to open an account. After six weeks, you'll need additional identification. When did you arrive?

지난주에 도착했어요. 여권과 비자 확인서가 있어요. 보통예금과 당좌예금 중 어느 게 좋을까요?

For students, I'd recommend both. A transaction account is for everyday purchases and ATM use, and a savings account is for putting money aside. The student account has no fees.

체크카드는 바로 받을 수 있나요?

We can give you a temporary debit card today. The permanent card arrives within seven business days. I'll also set up internet banking so you can manage your account online.

이 계좌에서 해외 송금이 가능한가요? 가족에게 보내고 싶어요.

Yes, you can make international transfers through internet banking. The fee varies by destination — usually fifteen to thirty dollars. Processing takes one to three business days.

온라인 뱅킹 보안이 걱정돼요. 안전한가요?

It's protected by two-factor authentication, encryption, and fraud detection. Never share your password or click links in emails claiming to be from the bank.

감사합니다. 두 계좌 모두 개설하고 싶어요.

Good morning. You've applied for a six-hundred-thousand-dollar home loan. Let's go through the details.

감사합니다. 첫 주택 구매예요. 5년간 머리금을 모아왔어요.

How much deposit have you saved? The ratio to the purchase price is important. If it's more than twenty per cent, you won't need lenders mortgage insurance.

12만 달러 있어요. 구매 가격이 75만 달러니까 약 16%예요.

At sixteen per cent deposit, you'll need lenders mortgage insurance — LMI. It's usually ten to twenty thousand dollars but can be added to the loan amount.

정부 지원 제도가 뭔가요?

The First Home Buyer Guarantee lets you buy with just five per cent deposit and no LMI. Places are limited and allocated on a first-come basis each financial year.

금리는 고정과 변동 중 어느 게 좋을까요?

A fixed rate gives certainty for one to five years but limits extra repayments. A variable rate changes with the market but offers more flexibility, like an offset account.

월 상환액은 얼마나 되나요?

For six hundred thousand over thirty years at six point five per cent, monthly repayments are approximately three thousand eight hundred. I'd also recommend building an emergency buffer.

승인될 가능성이 높나요?

Thank you for coming in. You've reported unauthorised transactions on your credit card.

명세서를 확인했더니 모르는 거래 5건이 있었어요. 모두 해외 온라인 쇼핑몰이고 총 2,300달러예요.

We've already frozen the card and will issue a new one. We'll launch an investigation into the unauthorised transactions — a provisional refund is usually made within thirty days.

30일은 길어요. 그동안 2,300달러를 납부해야 하나요?

No, you're not required to pay the disputed amount. No interest will accrue during the investigation either. Just continue making your normal card payments.

카드 정보가 어떻게 도난됐는지 걱정이에요.

Common methods include phishing — fake emails or websites — skimming devices on ATMs or card readers, and data breaches. Have you recently clicked on any suspicious emails or links?

지난주 은행 메일인 줄 알고 링크를 클릭했어요. 카드 번호를 입력했어요.

That was a phishing scam. The bank never asks for your card number by email. Always check the sender's address carefully, and never click links in suspicious emails.

다른 보호 조치가 있나요?

Set up a credit alert so you're notified if anyone opens a new account in your name. You can also check your credit report for free once a year through Equifax.

다 하겠습니다. 사기에 당한 게 부끄럽지만 교훈이 됐어요.

Welcome. Let's work through your tax return for this financial year together. Have you brought the necessary documents?

네, 급여 명세서, 은행 이자 증명서, 업무 관련 경비 영수증을 가져왔어요.

Let's start by confirming your income. Do you have any income besides your main employment — such as a side job or sharing economy income?

주말에 우버 운전을 하고 있어요. 소액의 주식 배당도 있어요.

Both need to be declared. For Uber, you can claim deductions for car maintenance, petrol, insurance, and a portion of your mobile phone costs. Have you been keeping a log of your kilometres?

앱에 기록이 있어요. 보험 영수증도요.

Excellent. Let's also check the expenses from your main job. Do you work from home? If so, you can claim part of your electricity, internet, and office supplies.

주 2일 재택근무예요. 어떻게 계산하나요?

For working from home there's a fixed-rate method — sixty-seven cents per hour. You only need to record the number of hours worked from home. Over a year it adds up to a considerable deduction.

HECS 대출 상환에도 영향이 있나요?

Yes, once your taxable income exceeds a certain threshold, HECS repayments are triggered. This is calculated on your total income including Uber earnings. At your income level, the repayment rate is around four per cent.

다 계산해서 환급액을 알려주세요.

Good morning. You're enquiring about rolling over superannuation from your previous employer. Can I have your account number?

12345678이에요. 최근 이직해서 연금 계좌가 2개가 됐어요. 하나로 통합하고 싶어요.

Having multiple super accounts means paying duplicate fees, which eats into your balance. Consolidating is a smart decision. Do you know the fund name and number for the old account?

이전 회사 이름은 아는데 기금 이름을 모르겠어요.

You can search for 'lost super' through your myGov account. The ATO keeps records of all super accounts. With your TFN, it will show everything.

통합 전에 확인할 것이 있나요?

Yes, a few important things. Check whether the old fund has any insurance attached — consolidating could cancel that insurance. Also compare fees and investment performance to decide which fund to keep.

보험이 있는지 모르겠어요. 어떻게 확인하나요?

Check the latest annual statement from the old fund, or call them directly. Many funds automatically combine when there's only one employer contributing.

좋은 정보네요. 먼저 확인하고 나서 통합을 진행할게요.

One more thing — consider your investment options. If you're young, a growth option suits you. If you're closer to retirement, a balanced or conservative option is more appropriate. What option are you currently on?

모르겠어요, 확인한 적이 없어요. 돌아가서 두 기금을 조사하고 다시 연락드릴게요.

Welcome. This is a free and confidential service. Can you tell me about your financial situation?

신용카드 4장, 개인 대출 2건, 후불 결제 서비스 빚이 있어요. 총 6만 달러 이상이고 최소 상환액도 못 내게 됐어요.

First of all, don't panic. There are solutions. Let's organise all your debts and prioritise them. Essentials like rent and utilities come first.

추심 전화가 매일 와요. 무서워서 전화를 못 받겠어요.

Debt collectors are restricted by law. Threatening behaviour, excessive contact, and contacting your workplace are all illegal. I can negotiate with your creditors on your behalf and set up a payment plan.

파산할 수밖에 없다고 생각했어요.

Bankruptcy is a last resort. Let's explore other options first — a debt agreement, negotiating reduced payments, or freezing interest. In many cases, creditors will agree to settle for less than the full amount.

후불 서비스 빚도 협상 가능한가요?

Yes, buy-now-pay-later debts can be negotiated the same way as other debts. Many providers have hardship programs that allow you to pause or reduce payments.

신용 점수에 영향이 있나요?

Late payments have already affected your credit score. But sticking to a repayment plan for twelve months will show improvement. We can also negotiate lower interest rates with your creditors.

다음 주까지 모든 빚 상세를 정리해 가져올게요. 처음으로 해결될 수 있을 거라는 희망이 생겼어요.

You'd like to send money overseas. How much and to which country?

필리핀 가족에게 5,000달러를 보내고 싶어요. 급하니까 가능한 한 빨리 도착하는 방법이 좋겠어요.

There are several options. A bank transfer takes two to three business days and the fee is twenty-two dollars. Services like Western Union deliver within minutes, but the exchange rate margin is larger. Let's compare.

숨겨진 수수료가 있나요? 전에 다른 서비스에서 표시 금액과 실제 수령액이 달랐거든요.

The exchange rate margin can be a hidden cost. Before sending, always confirm how much the recipient will actually receive after all fees and conversion are applied.

수취인은 은행 계좌로 받나요, 현금 수령인가요?

Both are possible. A bank transfer is cheapest and most secure. Cash pickup costs more but is faster — usually available within hours. Which does your family prefer?

정기적으로 송금하면 할인이 있나요?

Setting up regular transfers may qualify for a reduced fee. There's also an option to send automatically when the exchange rate is favourable. I'd recommend setting up a monthly transfer.

송금 사기가 걱정돼요. 안전하게 보내는 방법은?

Always use licensed remittance providers. Never send money to strangers. Only use banks or authorised transfer services. If an offer seems too good to be true, it's likely a scam.

감사합니다. 은행 계좌 송금을 오늘 처리하고 싶어요.