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欲加強(qiáng)難度還請移步《地道美語聽力播客（快速版）》
Kiko:Figuring out how to fill out this mortgage loan application is like trying to read a foreign language.
奇科:填寫這張抵押貸款申請表就像讀外語一樣。
I don't know what all these terms mean.
我搞不懂這些術(shù)語的意思。
Rafael:Let's see if we can figure it out together.
拉斐爾:我們倆人看看是否可以弄明白。
I think we want a fixed-rate mortgage, not an adjustable-rate mortgage.
我認(rèn)為我們需要填固定利率抵押,而不是可調(diào)利率抵押。
We want to lock in a good annual percentage rate and not worry about the rate going up.
我們想要定好年度百分率,那樣就不用擔(dān)心利率上升。
Kiko:All right, I think that's what we want.
奇科:好的,我認(rèn)為這是我們所想的。
We want the principal and interest payments to be predictable.
我們希望本金和利息支付在可預(yù)測范圍內(nèi)。
Rafael:That's right.
拉斐爾:沒錯(cuò)。
Kiko:And what are points?
奇科:這些點(diǎn)是什么?
Rafael:I think that has to do with fees for getting the loan.
拉斐爾:我覺得跟獲得貸款的費(fèi)用有關(guān)。
Kiko:It looks like we have to get an appraisal of the house we want to buy.
奇科:看起來我們必須對我們想買的房子進(jìn)行評估。
Rafael:Yes, that's standard,I think.
拉斐爾:是的, 我想這是標(biāo)準(zhǔn)。
Kiko:Do we have to pay for private mortgage insurance?
奇科:我們必須支付私人按揭保險(xiǎn)嗎?
Rafael:Not if we have a down payment of more than 20% of the price of the house.
拉斐爾:除非我們要付20%的首付房款。
Kiko:Okay, so we don't need to worry about that expense, but what about all these others?
奇科:好吧,所以我們不需要擔(dān)心費(fèi)用,但其他呢?
Rafael:Like what?
拉斐爾:比如什么?
Kiko:Like homeowners insurance and title insurance?
奇科:就像住宅業(yè)主保險(xiǎn)和產(chǎn)權(quán)保險(xiǎn)?
Rafael:I'm not sure.
拉斐爾:我不確定。
Kiko:And what are balloon payments and prepayment penalties?
奇科:大額尾款支付和提前償付罰金是什么?
Rafael:You got me.
拉斐爾:你問住我了。
Kiko:And what's included in the closing costs?
奇科:借款手續(xù)費(fèi)包括什么?
Rafael:I'm really out of my depth here.
拉斐爾:我真的一竅不通。
Kiko:Me, too. What should we do now?
奇科:我也是?，F(xiàn)在我們應(yīng)該做什么?
Rafael:Continue to rent?
拉斐爾:接著租房子嗎?
