A Place of Our Own ACT III
ollateral. 可是我們沒有任何可以做擔保物的東西。
Or someone can sign with us as a guarantor. 或者有人能當擔保人幫我們簽字。
Why don't you speak to Dad? 你們為什么不跟爸爸說說？
No. If we buy a house, I want to be able to handle it alone. 不，如果我們買房子，我希望能夠自行負責。
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的感受，Ellen。
In two or three months, I'll have an advance on my book 兩到三個月后，我能得到我那本書的預付款
and be able to put more money down. 也就可以增加頭期款的數目。
What about the house in Mount Kisco? 在Mount Kisco的方子呢？
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. 這對我們來講是一次很好的學習經驗，Marilyn。
Talking to the real-estate agent. 與房地產中介商談。
Looking at the houses. 看房子。
Talking to the loan officer at the bank. 與銀行的貸款負責人談。
It has been a learning experience. That's true. 這真是一次學習經驗，真的。
I think you're doing the right thing. Taking your time. 我覺得你們做得對。慢慢來。
Looking around. Especially with a purchase of this kind. 到處看看，特別是這一類買賣。
You're talking about a lot of money. 你們談的可是一大筆錢。
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。我們是一家人。
"They want to buy a house.
But can they afford it?"
We're planning to buy a house.
And we'd like to find out about mortgage.
"Here's the application. We need some information."
"How old are you?"
I'm 29. I'm 30.
"How many years were they in school?"
Richard, 16. Marilyn, 14.
"And Mr. Stewart, what's your occupation?"
I'm a freelance photographer.
"And Mrs. Stewart, are you working?"
Yes, I'm a designer and I work in a boutique.
"Here's the application. We need some information."
Income. Property. Debt.
What's their income?
How much money do they make?
They make $2,000 a month.
That's $24,000 a year.
Can they afford a house?
Do you own your house or do you rent?
Do you own any other property?
Any stocks or bonds?
"Can they afford a house?"
Since you don't have enough income,
and you don't already own any property,
the bank needs to be sure
you can pay the mortgage every month.
"They need a guarantor."
A guarantor is responsible for the loan
if you can't make the payments.
I see.
"They can't afford a house."
And I don't think its a good idea to ask Dad
to sign as a guarantor.
I don't feel right about it.
"They can't afford a house.
They can't afford it yet."
