金融英語口語聽力教程第31課：房屋貸款

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Talking about Housing Loans

房屋貸款

Situation 31

情景 31

Al and Virginia Baxter are talking to their banker ,Tony Flora ,about a housing loan.

艾爾和弗吉尼亞·巴克斯特正和他們的銀行家托尼·費洛拉洽談有關房屋貸款之事。

Al:We'd like to get some information about mortgage loans,Mr.Flora.

艾爾：我們希望得到一些有關抵押貸款方面的知識，弗洛拉先生。

We found a house that we'd like to buy.

我們找到了一所我們想買的房子。

Flora:Well,Mr.Baxter,we generally lend 80% of the bank's appraised value on 30-,35-or 40-year mortgages if the house is less than 10 years old .

弗洛拉：好的，巴克斯特先生。如果房屋從建成至今尚未超過10年，我們一般借給買房者的數額是銀行對房屋估價的80%，而貸款期為30、35或40年。

Baxter:Oh ,it's almost a brand-new house .I think it was built two years ago .

巴克斯特：哦， 這幾乎是一所全新的房子，我認為是兩年前修建的。

A:Yes,it's a real good deal .The price is just right .

艾爾：是的，這真是的樁合適的買賣，價錢也很合理。

F:Bank appraisals are usually slightly lower than the actual market prices,Mr.Baxter,

弗洛拉，銀行的估價總是低于實際市場價格的，巴克斯特先生。

so you'll have to figure on at least at a 25%-28% down payment .

因此，您必須計劃支付至少25%—28%的定金。

A:Yes,we planned on that .We've accumulated enough in our savings for a 30% down payment.

艾爾：是啊，這點我們已經估計到了，在我們的積蓄中攢的錢已足夠支付30%的定金。

B:What's the interest rate on mortgage loans?

巴克斯特：抵押貸款的利息率是多少?

F:It fluctuates a little depending on the various factors in the loan ,but around 8.75% for longtime clients.

弗洛拉：根據各種不同情況的貸款，利息率稍有差別，但是，對于銀行的老主顧一般是8。75%左右。

A:Well,we've been banking here since we got married 8 years ago ,Mr.Flora ,so I guess we qualify.

艾爾：那么我們從結婚到現在8年來一直與這里的銀行往來，弗洛拉先生。因此，我想我們是合乎條件的。

F:Yes,you certainly do ,Mr.Baxter.Let's fill out this application ,so we can get started on the paperwork .

弗洛拉：是的，你們當然是符合條件的，巴克斯特先生。讓我們先來填寫這張申請表，然后就可以開始著手票據事宜，

It takes some time to complete a mortgage loan transaction.

要完成抵押貸款的交易是得花點時間。

B:We will need title insurance and fire insurance ,too,won't we ?

巴克斯特：我們還需要產權保險和火災保險，對嗎?

F:Yes,you will.Here's our mortgage loan booklet which explains all the things which will be necessary .

弗洛拉：是的，這里有一本有關我們抵押貸款的小冊子，這個小冊子說明了必須要辦的一切手續(xù)。