金融英語口語聽力教程第31課：房屋貸款
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(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，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(shù)額是銀行對房屋估價(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(dāng)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(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子，這個(gè)小冊子說明了必須要辦的一切手續(xù)。
