房地產(chǎn)口語(yǔ)對(duì)話——房屋貸款

　　對(duì)于英語(yǔ)的學(xué)習(xí),口語(yǔ)或許就是大家的難點(diǎn)之一,像金融英語(yǔ)口語(yǔ)的學(xué)習(xí)方法就是大家經(jīng)常問(wèn)到的問(wèn)題,因?yàn)檫@些專業(yè)性的學(xué)習(xí)要求是非常高的,那么金融英語(yǔ)口語(yǔ)該怎么學(xué)呢?下面是小編為您收集整理的房地產(chǎn)口語(yǔ)對(duì)話——房屋貸款，供大家參考!

　　房地產(chǎn)口語(yǔ)對(duì)話——房屋貸款

　　Talking about Housing Loans

　　房屋貸款

　　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(fèi)洛拉洽談?dòng)嘘P(guān)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(guān)抵押貸款方面的知識(shí)，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(guò)10年，我們一般借給買房者的數(shù)額是銀行對(duì)房屋估價(jià)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(rèn)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(jià)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(jià)總是低于實(shí)際市場(chǎng)價(jià)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(jì)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(diǎn)我們已經(jīng)估計(jì)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(jù)各種不同情況的貸款，利息率稍有差別，但是，對(duì)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(jié)婚到現(xiàn)在8年來(lái)一直與這里的銀行往來(lái)，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(dāng)然是符合條件的，巴克斯特先生。讓我們先來(lái)填寫(xiě)這張申請(qǐng)表，然后就可以開(kāi)始著手票據(jù)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(diǎn)時(shí)間。

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

　　巴克斯特：我們還需要產(chǎn)權(quán)保險(xiǎn)和火災(zāi)保險(xiǎn)，對(duì)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(guān)我們抵押貸款的小冊(cè)子，這個(gè)小冊(cè)子說(shuō)明了必須要辦的一切手續(xù)。

　　年輕人5步養(yǎng)成儲(chǔ)蓄習(xí)慣，告別月光族

　　Step 1: Create a Budget

　　第一步：制定預(yù)算

　　Begin by listing your stable monthly income, as well as all expenses. That’s everything from your monthly house payment, down to how much you spend buying coffee on the fly.

　　先列出每月固定收入和所有支出，上至每月房子月供，下到匆忙中買咖啡花的錢。

　　It's usually best if you go back a few months. At a minimum, you should include the past three months. But going back six months, or even a full year, may provide a lot more insight.

　　通常最好回顧近幾個(gè)月的收支情況，至少該看近三個(gè)月的，要是能回顧一下過(guò)去六個(gè)月甚至一整年的就能更深入地了解。

　　It can be messy and involved, but there are budgeting apps that can help you do this in a matter of minutes. By linking your spending and income accounts to an app, the analysis can be done for you.[/en

　　情況可能有點(diǎn)兒混亂和復(fù)雜，但有些預(yù)算應(yīng)用程序能幫你在幾分鐘內(nèi)搞定。只要把支出和收入賬戶綁定到應(yīng)用程序上，你就能得到分析結(jié)果。

　　[en]Step 2: Analyze Your Spending

　　第二步：分析支出

　　Whether you do it manually or using an app, you should summarize your spending patterns. Create expense categories, such as mortgage, car payments, utilities, groceries, and entertainment.

　　無(wú)論你是手動(dòng)記錄還是使用應(yīng)用程序，都應(yīng)該總結(jié)一下消費(fèi)模式，把消費(fèi)分類，比如月供、汽車支出、生活繳費(fèi)、日常購(gòu)物和娛樂(lè)。

　　The second point is the most important because it's the basic foundation of a budget. You don't want to merely track your spending, but develop plans and strategies to control it.

　　第二點(diǎn)最重要，因?yàn)檫@是預(yù)算的基本依據(jù)。你不僅是想追蹤支出，還想制定計(jì)劃和對(duì)策來(lái)控制支出。

　　Once you know what your monthly spending is in each expense category, group your expenses into three categories:

　　一旦知道自己每月的各種支出，你就把支出分成三類：

　　Necessary fixed expenses. These include basic living expenses, like rent, health insurance, and debt payments.

　　必要的固定支出。包括基本生活開(kāi)銷，如房租、健康保險(xiǎn)和債務(wù)。

　　Necessary variable expenses. These are items you need, but that vary in amount. It includes groceries, gasoline, and some utilities.

　　必要的可變支出。這些是你需要消費(fèi)的，但錢數(shù)不固定。包括日常購(gòu)物、汽油和一些生活繳費(fèi)。

　　Optional expenses. This broad category includes everything else, and are desirable, but not necessary. Entertainment and eating out are two prime examples.

　　可選支出。這個(gè)范圍很廣，包括其他所有方面，是你想做但又不必要的。最基本的兩項(xiàng)就是娛樂(lè)和外出就餐。

　　There's not much you can do about necessary fixed expenses. But you can work to gradually lower necessary variable expenses. For example, you can set a goal to cut your grocery bill by 20 percent, and your utilities by 10 percent.

　　必要的固定支出你不能做太大改變，但你可以逐漸減少必要的可變支出，比如你可以定一個(gè)目標(biāo)，減少20%的日常購(gòu)物開(kāi)銷和10%的生活繳費(fèi)。

　　The biggest savings will be optional expenses. Since these are totally discretionary, you can literally cut them to zero, without hurting your basic standard of living.

　　最大的省錢項(xiàng)目是可選支出，因?yàn)檫@些完全取決于你自己，你其實(shí)可以把這筆錢都省下還不會(huì)影響基本生活水平。

　　Now you don't need to cut your spending in this category by 100 percent. But 50 percent would free-up a solid amount of money for savings.

　　現(xiàn)在你不需要完全省下這筆開(kāi)銷，拿出50%就可以成為一筆可觀的存款了。

　　The entire purpose of categorizing and analyzing your expenses is to identify areas you can reduce in favor of saving.

　　分類和分析支出的最終目的，就是知道在哪兒能省出錢來(lái)儲(chǔ)蓄。

　　Step 3: Set a Savings Goal

　　第三步：制定儲(chǔ)蓄目標(biāo)

　　Set a target amount for savings. For example, you may want to have three month’s living expenses in an emergency fund. If you need ,000 per month to cover your expenses, you’ll need ,000 to fill the fund. That’s your savings goal––you can set others later.

　　定一個(gè)儲(chǔ)蓄的目標(biāo)錢數(shù)。比如應(yīng)急基金可能需要三個(gè)月的生活支出，如果你每月支出,000，這個(gè)基金就需要,000，這就是你的儲(chǔ)蓄目標(biāo)，其他目標(biāo)可以延后。

　　You'll then need to create a reasonable plan to reach that goal. For example, you can decide you're going to save a flat dollar amount each month. If you save 0 per month in your budget, you'll reach your savings target in 20 months.

　　然后你需要制定一個(gè)可行的計(jì)劃來(lái)實(shí)現(xiàn)目標(biāo)。比如你可以決定每月省下固定錢數(shù)，如果你每月計(jì)劃省下0，20個(gè)月就能達(dá)到目標(biāo)錢數(shù)了。

　　Step 4: Know When You’re Pushing Too Hard

　　第四步：知道自己什么時(shí)候存得太多

　　You might set high goals at the very beginning, with the idea of making up for lost time. This is probably not a good idea. If you haven't been a saver up to this point, it’ll take time before it comes naturally.

　　你可能最開(kāi)始定了很高的目標(biāo)，想把損失的時(shí)間補(bǔ)回來(lái)，這個(gè)做法可能并不合適。如果你目前還沒(méi)攢下錢，那想要自然而然地?cái)€錢還需要一段時(shí)間。

　　Your best bet is to start with a savings goal that's doable. For example, if saving 10 percent of your income is fairly easy, go with that number. You can increase it over time, as your earnings increase, and you get better at cutting spending.

　　最好的做法是先制定可行的儲(chǔ)蓄目標(biāo)，比如，如果把收入的10%存起來(lái)很容易，那就存那么多。收入增多而且你更會(huì)省錢時(shí)就可以逐漸增加儲(chǔ)蓄的錢數(shù)。

　　Step 5: Knowing When You’re Not Pushing Hard Enough

　　第五步：知道自己什么時(shí)候存得不夠

　　One of the inherent problems in setting any savings goal is the need to see results. In Step 4 I suggested starting by saving 10 percent of your income, or some other number that’s an easy fit. That's fine when you're just starting out, but it should increase as you go along. If not, your savings plan could derail.

　　設(shè)定儲(chǔ)蓄目標(biāo)一定會(huì)產(chǎn)生一個(gè)問(wèn)題，那就是要能看到結(jié)果。在第四步中我建議開(kāi)始時(shí)先存起來(lái)收入的10%，或者任何對(duì)你來(lái)說(shuō)可行的錢數(shù)。剛開(kāi)始時(shí)還可以，但錢數(shù)要逐漸增加，做不到的話你的儲(chǔ)蓄計(jì)劃就前功盡棄了。

　　Start small, increase your savings gradually, and you'll find that balance. Once you do, budgeting and saving will start to come naturally, and you'll begin to reap the rewards of an improved financial condition.

　　先少存一些，逐漸增加儲(chǔ)蓄金額，你會(huì)找到那個(gè)平衡點(diǎn)。一旦找到了，預(yù)算和儲(chǔ)蓄就成了自然而然的事，你也能嘗到經(jīng)濟(jì)條件改善的甜頭了。