評論
打印
How do you do?
你好
Hello.
哈嘍
I'm Ralph Riley.
我叫Ralph Riley
I'm Richard Stewart, and this is my wife, Marilyn.
我叫Richard Stewwart 這是我妻子 Marilyn。
Pleased to meet you.
很高興與你見面。
Likewise, Mr. Riley.
我們也一樣 Rileey先生。
Please, sit down. What can I do for you?
請坐下。我能為你們做什麼
We'd like to discuss a mortgage.
我們想請教一下貸款的事
For a house.
為了房子。
Fine. Are you buying a house
好的。你們是要買房子
or are you refinancing your present home?
還是原有的房子重新申請貸款
We're planning to buy a house.
我們計劃買一棟房子
And we'd like to find out about a mortgage.
我們想知道如何貸款
We are customers of the bank.
我們是貴行的顧客
As a matter of fact, my whole family banks here.
事實上 我們?nèi)叶际琴F行的顧客
I have some questions to ask.
我有一些問題要問問
Do you own your house or do you rent?
你們自己有房子還是租房
Neither.
都不是。
We live with my parents, Dr. and Mrs. Philip Stewart.
我們和父母住在一起 我父母是Philip Stewart夫婦
And how old are you?
你幾歲了
I'm twenty-nine.
我二十九歲。
I'm thirty.
我三十歲。
And, Mr. Stewart, what is your occupation?
那麼 Stewart先生 你的職業(yè)呢
I'm a freelance photographer.
我是自由攝影師。
And, Mrs. Stewart, are you working?
嗯 Stewart太太 你有工作嗎
And, Mrs. Stewart, are you working?
嗯 Stewart太太 你有工作嗎
Yes. I'm a designer, and I work in a boutique.
是的 我是位設(shè)計師 我在一家服裝店工作
Did you bring any savings or salary information?
你是否帶來儲蓄和和薪資的相關(guān)資料
Last year's tax forms?
譬如去年的 稅務(wù)報表
Yes. Here they are.
帶來了 在這 。
OK. What ... what kind of house did you have in mind?
好的 你們打算買什麼樣的房子
We're talking about buying
我們在商量購買
a two-bedroom house in Mount Kisco.
一棟有兩間臥室的的房子 在Mount Kisco
Here are the financial details on the house.
這是這房子的財務(wù)細(xì)節(jié)
Thank you.
謝謝你。
Are you prepared to make a ten-percent down payment?
你打算繳納10%做備款嗎
Yes, we are.
是的 我們準(zhǔn)備如此
Payments over thirty years?
三十年分期付款嗎
Yes.
是的。
Do you think we can get a loan?
你覺得我們能得到到貸款嗎
Well, it depends. Do you own any other property?
嗯 這還要看情況。你們擁有其他什麼財產(chǎn)嗎
Any stocks or bonds?
有股票或債券嗎
No.
沒有。
I see. Then you don't have any collateral.
我明白了。那麼你們沒有任何擔(dān)保物
Perhaps you could get a guarantor--
也許你可以找一位擔(dān)保人
someone to sign for the loan for you.
找個人為你們的貸款簽個名
Why is that necessary?
為什麼有此必要
Since you don't have enough income,
由於你們的收入不足
Since you don't have enough income,
由於你們的收入不足
and you don't already own any property,
而你們又沒有擁有其他財產(chǎn)
the bank needs to be sure
銀行需要確定
you can pay the mortgage every month.
你們能每月按時還款
A guarantor is responsible for the loan
擔(dān)保人要對貸款負(fù)責(zé)
if you can't make the payments.
如果你們不能還錢
I see. Well, the idea of buying a house is exciting.
我明白了。嗯 買房子的念頭叫人興奮過頭
Thank you, Mr. Riley. We'll read this over carefully.
謝謝你 Riley先生 。我們會仔細(xì)閱讀這些。
Thank you.
謝謝你們。
Good-bye. Thanks.
再見。謝謝。
Good-bye. And hope to see you soon.
再見。希望很快再見到你們
I hope so, too.
我也希望如此。
Take care.
慢走。
Good-bye.
再見。
It all sounded so easy
一切聽起來都那麼容易
until they mentioned needing collateral or a guarantor.
在他們提到擔(dān)保物或擔(dān)保人之前
We have no collateral.
我們沒有擔(dān)保物。
And I don't think it's a good idea
而且我覺得這不是個好主意
to ask Dad to sign as a guarantor.
請爸爸當(dāng)擔(dān)保人為我簽字
I don't feel right about it.
我覺得這樣不對。
I understand your feelings about it, Richard.
我了解你對這種事的心情 Richard
Now, tell me, what's the problem?
啊 告訴我 有什麼問題
We can get a loan from the bank
我們能夠從銀行得到貸款
We can get a loan from the bank
我們能夠從銀行得到貸款
if we can put up some collateral.
如果我們能提供擔(dān)保物的話
And we don't own anything to use as collateral.
可是我們沒有任何可以做擔(dān)保物的東西
Or someone can sign with us as a guarantor.
或者有人能當(dāng)擔(dān)保人幫我們簽字
Why don't you speak to Dad?
你們?yōu)槭颤N不跟爸爸說說
No. If we buy a house, I want to be able to handle it alone.
不 如果我們買房子 我希望能夠自行負(fù)責(zé)
Everybody needs help sometimes, Richard.
每個人都有需要幫助的時候 Richard
I understand Richard's feelings about it, Ellen.
我了解Richard對它的感受 Ellen。
In two or three months, I'll have an advance on my book
兩到三個月後 我能得到我那本書的預(yù)付
and be able to put more money down.
也就可以增加自備款的額度
What about the house in Mount Kisco?
在Mount Kisco的房子呢
Somebody else'll buy it by then.
別人也許買走了。
Then there'll be other houses, Marilyn.
還會有別的房子 Marilyn。
Richard has a point. You're just beginning to look.
Richard說得對。你們只是開始看房子而已。
We're in no great rush. It's true.
我們 不很急 這是真的
This has been a great learning experience for us, Marilyn.
這對我們是一次很好的學(xué)習(xí)經(jīng)驗 Marilyn
Talking to the real-estate agent.
與房地產(chǎn)中介商談
Looking at the houses.
看房子
Talking to the loan officer at the bank.
與銀行的貸款負(fù)責(zé)人談?wù)?/div>
It has been a learning experience. That's true.
這真是一次學(xué)習(xí)經(jīng)驗 真的
I think you're doing the right thing. Taking your time.
我覺得你們做得對對。慢慢來
Looking around. Especially with a purchase of this kind.
到處看看 特別是這一類買賣
20,2790,420,2790,15,3870,15,3870,420,4815,420,4815,15,5280,15,52,420,7785,420
20,2790,420,2790,15,3870,15,3870,420,4815,420,4815,15,5280,15,52,420,7785,420
You're talking about a lot of money.
你們談的可是一大大筆錢
We'll call Mrs. Martinelli and tell her to keep looking for us.
我們會打電話給Martinelli太太告訴她繼續(xù)幫我們物色房子?
And I'll call Mr. Riley at the bank
我打電話到銀行給Riley先生
and tell him we'll see him in a couple of months.
告訴他過幾個月我們再去找他
And if you ever need Dad or me to help you ...
如果你們的確需要我和爸爸的幫助的話 …
We know.
我們知道。
You know we'll be there for you.
你們知道我們是會伸出援手的
It's a Stewart tradition. We're a family.
這是Stewart家的傳統(tǒng)。我們是一家人。
