参考译文
Kiko: Figuring out how to fill out this mortgage loan application is like trying to read a foreign language. I don’t know what all these terms mean.
马切达:想要弄清楚如何填这份贷款申请就像是读一门外语一样。我都不知道这些词是什么意思。
Rafael: Let’s see if we can figure it out together. I think we want a fixed-rate mortgage, not an adjustable-rate mortgage. We want to lock in a good annual percentage rate and not worry about the rate going up.
拉斐尔:让我看看,我们是否能一起填。我想我们想要定率按揭,不是浮动利率贷款。我们需要锁定一个不错的年利率,这样不用担心利率上涨。
Kiko: All right, I think that’s what we want. We want the principal and interest payments to be predictable.
马切达:好的,我想这就是我们想要的。希望本金和利息都能够在可预见的范围。
Rafael: That’s right.
拉斐尔:是的。
Kiko: And what are points?
马切达:贷款的重点是什么?
Rafael: I think that has to do with fees for getting the loan.
拉斐尔:想获得贷款也许需要一些手续费。
Kiko: It looks like we have to get an appraisal of the house we want to buy.
马切达:我们似乎需要给我们想买的这个房子进行一下评估。
Rafael: Yes, that’s standard, I think.
拉斐尔:是的,我认为应该能达到标准。
Kiko: Do we have to pay for private mortgage insurance?
马切达:我们需要为私人抵押贷款保险交钱吗?
Rafael: Not if we have a down payment of more than 20% of the price of the house.
拉斐尔:只要我们的首付款超过房子价值的20%就不用交了。
Kiko: Okay, so we don’t need to worry about that expense, but what about all these others?
马切达:好,那我们不用担心那一部分花费了,但是其它的开支呢?
Rafael: Like what?
拉斐尔:比如什么?
Kiko: Like homeowners insurance and title insurance?
马切达:比如屋主保险和产权保险?
Rafael: I’m not sure.
拉斐尔:这个我不确定。
Kiko: And what are balloon payments and prepayment penalties?
马切达:分期付款中最后一笔较大金额的付款和提前还款罚金怎么办?
Rafael: You got me.
拉斐尔:你难住我了。
Kiko: And what’s included in the closing costs?
马切达:房地产买卖手续费中包括什么?
Rafael: I’m really out of my depth here.
拉斐尔:我确实没办法解答这些问题。
Kiko: Me, too. What should we do now?
马切达:我也不知道,我们现在应该怎么做?
Rafael: Continue to rent?
拉斐尔:继续租房子?
听力原文
Kiko: Figuring out how to fill out this mortgage loan application is like trying to read a foreign language. I don’t know what all these terms mean.
Rafael: Let’s see if we can figure it out together. I think we want a fixed-rate mortgage, not an adjustable-rate mortgage. We want to lock in a good annual percentage rate and not worry about the rate going up.
Kiko: All right, I think that’s what we want. We want the principal and interest payments to be predictable.
Rafael: That’s right.
Kiko: And what are points?
Rafael: I think that has to do with fees for getting the loan.
Kiko: It looks like we have to get an appraisal of the house we want to buy.
Rafael: Yes, that’s standard, I think.
Kiko: Do we have to pay for private mortgage insurance?
Rafael: Not if we have a down payment of more than 20% of the price of the house.
Kiko: Okay, so we don’t need to worry about that expense, but what about all these others?
Rafael: Like what?
Kiko: Like homeowners insurance and title insurance?
Rafael: I’m not sure.
Kiko: And what are balloon payments and prepayment penalties?
Rafael: You got me.
Kiko: And what’s included in the closing costs?
Rafael: I’m really out of my depth here.
Kiko: Me, too. What should we do now?
Rafael: Continue to rent?