走遍美国教学视频文本33：A Place of Our Own ACTIII

[美国毕业生起薪人均下降]Those who are graduating in the spring and land a job will see erage starting salary offers fall 1.7% from last year to $47,673, according to the National Assoc...+阅读

ACT III

How do you do? 你好。

Hello. 哈。

Im Ralph Riley. 我叫Ralph Riley。

Im Richard Stewart, and this is my wife, Marilyn. 我叫Richard Stewart，这是我妻子Marilyn。

Pleased to meet you. 很高兴与你见面。

Likewise, Mr. Riley. 我们也一样 Riley先生。

Please, sit down. What can I do for you? 请坐下。我能为你们做什么？

Wed like to discuss a mortgage. 我们想请教一下关于贷款的事。

For a house. 为了房子。

Fine. Are you buying a house 好的。你们是要买房子？

or are you refinancing your present home? 还是原有的房子重新申请贷款？

Were planning to buy a house. 我们计划买一栋房子。

And wed like to find out about a mortgage. 我们想知道如何贷款。

We are customers of the bank. 我们是贵行的顾客。

As a matter of fact, my whole family banks here. 事实上，我们全家都是贵行的顾客。

I he some questions to ask. 我有一些问题要问。

Do you own your house or do you rent? 你们自己有房子还是租房？

Neither. 都不是。

We live with my parents, Dr. and Mrs. Philip Stewart. 我们和父母住在一起，我父母是Philip Stewart夫妇。

And how old are you? 你多大了？

Im twenty-nine. 我二十九岁。

Im thirty. 我三十岁。

And, Mr. Stewart, what is your occupation? 那么，Stewart，请问你的职业是什么？

Im a freelance photographer. 我是自由摄影师。

And, Mrs. Stewart, are you working? 嗯，Stewart太太，你有工作吗？

Yes. Im a designer, and I work in a boutique. 是的，我是位设计师，我在一家服装店工作。

Did you bring any sings or salary information? 你是否带来储蓄和薪资的相关资料？

Last years tax forms? 譬如去年的税务申报表？

Yes. Here they are. 带来了，在这儿。

OK. What ... what kind of house did you he in mind? 好的，你们打算买什么样的房子？

Were talking about buying 我们在商量购买

a two-bedroom house in Mount Kisco. 一栋有两间卧室的的房子，在Mount Kisco。

Here are the financial details on the house. 这是这房子的财务细节。

Thank you. 谢谢你。

Are you prepared to make a ten-percent down payment? 你打算缴纳10%做头期款吗？

Yes, we are. 是的，我们准备如此办。

Payments over thirty years? 三十年分期付款吗？

Yes. 是的。

Do you think we can get a loan? 你觉得我们能得到贷款吗？

Well, it depends. Do you own any other property? 嗯，这还要看情况。你们拥有其他什么财产吗？

Any stocks or bonds? 有股票或债券吗？

No. 没有。

I see. Then you dont he any collateral. 我明白了。那么你们没有任何担保物。