income 收入
To get the house of your dreams you need to have a big yearly income.
想要有夢想中的房子，首先你得要有可觀的年收入。

loan 貸款
ask for a loan 借款
I went to the bank today and I asked for a loan, and they said it is impossible for me to get one because of my income.
我去銀行想要貸款，但由于收入太低，而導致無法貸款。

mortgage 按揭
I can't just quit my job. I have a family, a mortgage and bills to pay.
我不能辭職。我得養家、還房貸，還得付各種賬單。

down-payment 首付
Your house would cost $10,000 and the dealer would ask you to pay $2,000 as the down-payment!
你的房子需要1萬美元，這個經銷商會要求2000美元作為首付。
That is a very serious problem if you have a terrible credit score.
如果你的信用卡記錄不好，這是一個很嚴重的問題。
The bank must assess your personal information, past loans, assets and any other relevant information, such as your credit scores in order to approve your loan.
為了貸款，這個銀行必須評估你的個人信息，過去的貸款記錄，資產，還有一些相關信息，還有你的信用記錄。