Talking about Housing Loans

房屋贷款

Situation 31

情景 31

Al and Virginia Baxter are talking to their banker ,Tony Flora ,about a housing loan.

艾尔和弗吉尼亚·巴克斯特正和他们的银行家托尼·费洛拉洽谈有关房屋贷款之事。

Al:We'd like to get some information about mortgage loans,Mr.Flora.

艾尔：我们希望得到一些有关抵押贷款方面的知识，弗洛拉先生。

We found a house that we'd like to buy.

我们找到了一所我们想买的房子。

Flora:Well,Mr.Baxter,we generally lend 80% of the bank's appraised value on 30-,35-or 40-year mortgages if the house is less than 10 years old .

弗洛拉：好的，巴克斯特先生。如果房屋从建成至今尚未超过10年，我们一般借给买房者的数额是银行对房屋估价的80%，而贷款期为30、35或40年。

Baxter:Oh ,it's almost a brand-new house .I think it was built two years ago .

巴克斯特：哦， 这几乎是一所全新的房子，我认为是两年前修建的。

A:Yes,it's a real good deal .The price is just right .

艾尔：是的，这真是的桩合适的买卖，价钱也很合理。

F:Bank appraisals are usually slightly lower than the actual market prices,Mr.Baxter,

弗洛拉，银行的估价总是低于实际市场价格的，巴克斯特先生。

so you'll have to figure on at least at a 25%-28% down payment .

因此，您必须计划支付至少25%—28%的定金。

A:Yes,we planned on that .We've accumulated enough in our savings for a 30% down payment.

艾尔：是啊，这点我们已经估计到了，在我们的积蓄中攒的钱已足够支付30%的定金。

B:What's the interest rate on mortgage loans?

巴克斯特：抵押贷款的利息率是多少?

F:It fluctuates a little depending on the various factors in the loan ,but around 8.75% for longtime clients.

弗洛拉：根据各种不同情况的贷款，利息率稍有差别，但是，对于银行的老主顾一般是8。75%左右。

A:Well,we've been banking here since we got married 8 years ago ,Mr.Flora ,so I guess we qualify.

艾尔：那么我们从结婚到现在8年来一直与这里的银行往来，弗洛拉先生。因此，我想我们是合乎条件的。

F:Yes,you certainly do ,Mr.Baxter.Let's fill out this application ,so we can get started on the paperwork .

弗洛拉：是的，你们当然是符合条件的，巴克斯特先生。让我们先来填写这张申请表，然后就可以开始着手票据事宜，

It takes some time to complete a mortgage loan transaction.

要完成抵押贷款的交易是得花点时间。

B:We will need title insurance and fire insurance ,too,won't we ?

巴克斯特：我们还需要产权保险和火灾保险，对吗?

F:Yes,you will.Here's our mortgage loan booklet which explains all the things which will be necessary .

弗洛拉：是的，这里有一本有关我们抵押贷款的小册子，这个小册子说明了必须要办的一切手续。