听力文本

A Place of Our Own 自己的住房ACT III教师讲解版视频

In a bank in Riverdale. Marilyn and Richard are speaking with a loan officer about borrowing money to buy a house.

Mr. Riley：How do you do?

Richard： Hello.

Mr. Riley：I'm Ralph Riley. [He shakes Richard's hand.]

Richard：I'm Richard Stewart, and this is my wife, Marilyn.

Mr. Riley：Pleased to meet you.

Marilyn：[She shakes his hand.] Likewise, Mr. Riley.

Mr. Riley：Please, sit down. What can I do for you?

Richard：We'd like to discuss a mortgage.

Marilyn： For a house.

Mr. Riley：Fine. Are you buying a house or are you refinancing3 your present home?

Richard：We're planning to buy a house.

Marilyn：And we'd like to find out about a mortgage.

Richard：We are customers of the bank. As a matter of fact, my whole family banks here.

Mr. Riley：I have some questions to ask. [He writes on a form.] Do you own your house or do you rent?

Richard：Neither. We live with my parents, Dr. and Mrs. Philip Stewart.

Mr. Riley：And how old are you?

Marilyn：I'm twenty-nine.

Richard： I'm thirty.

Mr. Riley：And, Mr. Stewart, What is your occupation?

Richard：I'm a freelance photographer.

Mr.Riley：And, Mrs. Stewart, are you working?

Marilyn：Yes. I'm a designer, and I work in a boutique.

Mr. Riley：Did you bring any savings or salary information? Last year's tax forms6?

Richard：Yes. Here they are.

Mr.Riley：OK. What… what kind of house did you have in mind?

Richard：We're talking about buying a two-bedroom house in Mount Kisco. Here are the financial details on the house.

Mr. Riley：Thank you. [He reads the details.] Are you prepared to make a ten-percent down payment?

Richard： Yes, we are.

Mr. Riley：Payments over thirty years?

[Marilyn and Richard nod their heads.]

Richard：Yes.

Marilyn：Do you think we can get a loan?

Mr Riley：Well, it depends. Do you own any other property9? Any stocks or bonds?

Richard：No.

Mr. Riley：I see. Then you don't have any collateral.Perhaps you could get a guarantor----some one to sign for the loan for you.

Richard：Why is that necessary?

Mr. Riley：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. A guarantor is responsible for the loan if you can't make the payments.

Richard：I see. Well, the idea of buying a house is exciting.

Marilyn：Thank you, Mr. Riley. We'll read this over16 carefully.

Mr. Riley：Thank you.

Richard：Good-bye. Thanks.

Mr. Riley：Good-bye. And hope to see you soon.

Richard：I hope so, too.

[They all shake hands.]

Mr. Riley：Take care.

Marilyn：Good－bye.

Later, on the patio of the Stewarts' home. Richard and Marilyn are speaking about their experience at the bank.

Richard：It all sounded so easy until they mentioned needing collateral or a guarantor.

Marilyn：We have no collateral.

Richard：And I don't think it's a good idea to ask Dad to sign as a guarantor. I don't feel right about it.

Marilyn：I understand your feelings about it, Richard.

Ellen：[She comes out to the patio with a tray of food.] Now, tell me, what's the problem?

Marilyn：We can get a loan from the bank if we can put up some collateral.

Richard：And we don't own anything to use as collateral.

Marilyn：Or someone can sign with us as a guarantor.

Ellen：Why don't you speak to Dad?

Richard：No. If we buy a house, I want to be able to handle it alone.

Ellen：Everybody needs help sometimes, Richard.

Marilyn：I understand Richard's feelings about it, Ellen.

Richard：In two or three months, I'll have an advance on my book and be able to put more money down.

Marilyn：What about the house in Mount Kisco? Somebody else'll buy it by then.

Richard：Then there'll be other houses, Marilyn.

Ellen：Richard has a point. You're just beginning to look.

Marilyn：We're in no great rush. It's true.

Richard：This has been a great learning experience for us, Marilyn. Talking to the real-estate agent. Looking at the houses. Talking to the loan officer at the bank.

Marilyn：It has been a learning experience. That's true.

Ellen：I think you're doing the right thing. Taking your time. Looking around. Especially with a purchase of this kind. You're talking about a lot of money.

Marilyn：We'll call Mrs. Martinelli and tell her to keep looking for us.

Richard：And I'll call Mr. Riley at the bank and tell him we'll see him in a couple of months.

Ellen：And if you ever need Dad or me to help you …

Marilyn：We know.

Ellen：You know we'll be there for you.

Richard：It's a Stewart tradition. We're a family.

中英对照版

How do you do? 你好。
Hello. 哈。
I'm Ralph Riley. 我叫Ralph Riley。
I'm Richard Stewart, and this is my wife, Marilyn. 我叫Richard Stewart，这是我妻子Marilyn。
Pleased to meet you. 很高兴与你见面。
Likewise, Mr. Riley. 我们也一样 Riley先生。
Please, sit down. What can I do for you? 请坐下。我能为你们做什么？
We'd like to discuss a mortgage. 我们想请教一下关于贷款的事。
For a house. 为了房子。
Fine. Are you buying a house 好的。你们是要买房子？
or are you refinancing your present home? 还是原有的房子重新申请贷款？
We're planning to buy a house. 我们计划买一栋房子。
And we'd like to find out about a mortgage. 我们想知道如何贷款。
We are customers of the bank. 我们是贵行的顾客。
As a matter of fact, my whole family banks here. 事实上，我们全家都是贵行的顾客。
I have some questions to ask. 我有一些问题要问。
Do you own your house or do you rent? 你们自己有房子还是租房？
Neither. 都不是。
We live with my parents, Dr. and Mrs. Philip Stewart. 我们和父母住在一起，我父母是Philip Stewart夫妇。
And how old are you? 你多大了？
I'm twenty-nine. 我二十九岁。
I'm thirty. 我三十岁。
And, Mr. Stewart, what is your occupation? 那么，Stewart，请问你的职业是什么？
I'm a freelance photographer. 我是自由摄影师。
And, Mrs. Stewart, are you working? 嗯，Stewart太太，你有工作吗？
Yes. I'm a designer, and I work in a boutique. 是的，我是位设计师，我在一家服装店工作。
Did you bring any savings or salary information? 你是否带来储蓄和薪资的相关资料？
Last year's tax forms? 譬如去年的税务申报表？
Yes. Here they are. 带来了，在这儿。
OK. What ... what kind of house did you have in mind? 好的，你们打算买什么样的房子？
We're talking about buying 我们在商量购买
a two-bedroom house in Mount Kisco. 一栋有两间卧室的的房子，在Mount Kisco。
Here are the financial details on the house. 这是这房子的财务细节。
Thank you. 谢谢你。
Are you prepared to make a ten-percent down payment? 你打算缴纳10%做头期款吗？
Yes, we are. 是的，我们准备如此办。
Payments over thirty years? 三十年分期付款吗？
Yes. 是的。
Do you think we can get a loan? 你觉得我们能得到贷款吗？
Well, it depends. Do you own any other property? 嗯，这还要看情况。你们拥有其他什么财产吗？
Any stocks or bonds? 有股票或债券吗？
No. 没有。
I see. Then you don't have any collateral. 我明白了。那么你们没有任何担保物。
Perhaps you could get a guarantor-- 也许你可以找一位担保人---
someone to sign for the loan for you. 找个人为你们的贷款签个名。
Why is that necessary? 为什么有此必要？
Since you don't have enough income, 由于你们的收入不够，
and you don't already own any property, 而你们又没拥有其他财产。
the bank needs to be sure 银行需要确定
you can pay the mortgage every month. 你们能每月按时付款。
A guarantor is responsible for the loan 担保人要对贷款负责
if you can't make the payments. 如果你们不能还钱。
I see. Well, the idea of buying a house is exciting. 我明白了。嗯 ，买房子的念头叫人兴奋过头。
Thank you, Mr. Riley. We'll read this over carefully. 谢谢你，Riley先生。我们会仔细阅读这些文件的。
Thank you. 谢谢你们。
Good-bye. Thanks. 再见。谢谢。
Good-bye. And hope to see you soon. 再见。希望很快再见到你们。
I hope so, too. 我也希望如此。
Take care. 慢走。
Good-bye. 再见。
It all sounded so easy 一切听起来那么容易
until they mentioned needing collateral or a guarantor. 在他们提到担保物或担保人之前。
We have no collateral. 我们没有担保物。
And I don't think it's a good idea 而且我觉得这不是个好主意。
to ask Dad to sign as a guarantor. 请爸爸当担保人为我签字。
I don't feel right about it. 我觉得这样不对。
I understand your feelings about it, Richard. 我了解你对这种事的心情，Richard。
Now, tell me, what's the problem? 现在，告诉我，你有什么问题？
We can get a loan from the bank 我们能够从银行得到贷款
if we can put up some collateral. 如果我们能提供担保物的话。
And we don't own anything to use as collateral. 可是我们没有任何可以做担保物的东西。
Or someone can sign with us as a guarantor. 或者有人能当担保人帮我们签字。
Why don't you speak to Dad? 你们为什么不跟爸爸说说？
No. If we buy a house, I want to be able to handle it alone. 不，如果我们买房子，我希望能够自行负责。
Everybody needs help sometimes, Richard. 每个人都有需要帮助的时候，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 两到三个月后，我能得到我那本书的预付款
and be able to put more money down. 也就可以增加头期款的数目。
What about the house in Mount Kisco? 在Mount Kisco的方子呢？
Somebody else'll buy it by then. 别人也许买走了。
Then there'll be other houses, Marilyn. 还会有别的房子，Marilyn。
Richard has a point. You're just beginning to look. Richard，说得对。你们只是开始看房子而已。
We're in no great rush. It's true. 我们不很急，这是真的。
This has been a great learning experience for us, Marilyn. 这对我们来讲是一次很好的学习经验，Marilyn。
Talking to the real-estate agent. 与房地产中介商谈。
Looking at the houses. 看房子。
Talking to the loan officer at the bank. 与银行的贷款负责人谈。
It has been a learning experience. That's true. 这真是一次学习经验，真的。
I think you're doing the right thing. Taking your time. 我觉得你们做得对。慢慢来。
Looking around. Especially with a purchase of this kind. 到处看看，特别是这一类买卖。
You're talking about a lot of money. 你们谈的可是一大笔钱。
We'll call Mrs. Martinelli and tell her to keep looking for us. 我们会打电话给Martinelli太太告诉她继续帮我们物色房子。
And I'll call Mr. Riley at the bank 我打电话到银行给Riley先生
and tell him we'll see him in a couple of months. 告诉他过几个月我们再去找他。
And if you ever need Dad or me to help you ... 如果你们的确需要我和爸爸的帮助的话 …
We know. 我们知道。
You know we'll be there for you. 你们知道我们是会伸出援手的。
It's a Stewart tradition. We're a family. 这是Stewart家的传统。我们是一家人。

口语讲解

二.口语讲解

本课出现的口语句型：

●ask for advice：征询意见

I'd like your opinion.

●say something is too expensive： 说东西太贵

We can't afford it.

●say something is like something or someone else：说某事像另一事或另一人的行为方式

Sounds like Richard.

●say something is appropriate： 说某物正合适It was just right for us.

●say the same things happen again in people's life： 说历史重演

History repeats itself.

●offer to help： 表示愿意帮忙

If I can be of any help, let me know.

●Say something is surprising： 说某事太令人惊讶

You won't believe this, but…

●say one action will happen immediately afteranother： 说某行动紧接着另一行动

I'll talk to Richard the minute he comes home.

●tell someone not to hurry： 请对方不必急

There's no need to rush.

●say you're happy to do something for someone： 说自己乐于助人

It's my pleasure to help you find a house.

●say you learned some news： 说你听到某种消息

I hear you're expecting a baby.

●say you understand something： 说自己了解情况

I have a good idea about your financial situation.

●say you don't like something： 说自己不喜欢某物

I don't care for a ranch type.

●say a price is fair： 说价钱便宜

The price is right.

It's a bargain.

●say a house became available, or ready to sell： 说正好有房屋可租或出售

This house just came on the market.

●send greetings to someone： 向他人致意

Give my best to your parents.

●thank someone： 向某人致谢

We really appreciate your advice.

●respond to a greeting： 回答别人

A： Pleased to meet you.

B：Likewise.

●give additional information： 附带一提

As a matter of fact, my whole family banks here.

●ask what someone wants： 征询对方需要

What kind of house did you have in mind?

●ask if someone is able to do something： 询问对方是否能做某事

Are you prepared to make a ten-percent down payment?

●say something is more difficult than you hadthought： 说某事比预期的还难

It all sounded so easy until they mentioned collateral

●say other opportunities will come in the future： 说将来会有其他机会

There'll be other houses.

●agree with someone： 赞同他人

Richard has a point, Marilyn.

●say you'll always be ready to help someone： 说自己随时准备帮助别人

We'll be there for you.

美国文化介绍

三.美国文化介绍

我们在学英语的过程中，无论是老师还是其他朋友经常告诉我们，学习一种语言，不只要学其语言，还要学其文化。现在就了解一下本文中出现的一些美国特色的文化吧！

Richard和Marilyn看好了自己喜欢的房子后，就去银行申请贷款（mortgage）。银行根据买房申请人的工作、收入、财产状况和其它因素才决定能否给他们贷款，是否提附加条件。由于Richard没有固定工作，Marilyn又要临产，他们并没有其它财产和收入。银行要求他们提供担保人后才可贷款。

情景对话

四、情景对话

情景对话

个人住房按揭贷款

(1)
A:excuse me,i'd like to know st about personal housing loan

B:well,are u a permanent resident here?

A:no,i have been here for investment in China from Australia

B:Oh,for foreigners living here,the temporary residence permit or valid residential certificantis required,as well as the certificant of local fixed residence and contact infomation.

A:and what qualification shall i have for a personal housing loan?

B:you sould submit several documents:housing purchase contract,downpayment receipt,employee certificant and income proof issued by your employer.

A:that means i have to make a downpayment and sign the house purchasing contract with the house supplier,right?

B:yes,you have to make a 30%downpayment of the house value.

A:any guarantee?

B:you have to sign a guarantee agreement with us,i can be guaranteed by a mortgage on real estate,marketable securities,or by an employer or an individual accepted by our bank.

A:ok,thanks,i will prepare the required documents before the housing loan application.

B:here is the service guide for personal housing loan for you ,you can get more detials from it.

(2)
A:what can i do for you ?

B:what documents should i prepare for a personal housing loan?

A:well,first of all,you should have the originals and duplicates of your house purchasing contract and downpayment receipt respectively

B:anything else?

A:2 duplicates of the presale license of commodity housing ,your ID card and your residence booklet respectively

B:is it ok if i only bring the duplicates?

A:ah,you have to bring the originals of your ID card and residentce booklet because we must check them with your applicantion form.

B:what shall i do if i want to apply for a low interest loan?

A:ok,do you have an accumulatation fund account

B:yes i do

B:well,have you been making asuccessive deposits into this accumilation fund account of over six month?

A:yes of course

B:so ,you are qualified to apply for the personal housing loan on accumulation fund.

个人贷款相关词汇

housing mortgage loan 住房抵押贷款
individual business house loan 个人商业用房贷款
house refurbishing loan. 房屋装修贷款
individual housing loans 个人住房贷款
housing loans on own account 自营性住房贷款

housing loans on authorization 委托住房贷款
individual combined housing loans 个人住房组合贷款
auto loans 汽车消费贷款
loan for refurbishing house 家居装修贷款
consumer durables loan 大额耐用消费品贷款

personal loan secured by CDs/treasury bonds 个人存单质押贷款
individual consumption loan 个人消费信贷
individual unsecured loan 个人信用贷款
consumption credit for individual clients 个人消费信贷业务
individual consumption loan 个人消费信贷
secured loan 抵押放款(担保放款)
small amount private loans 小额贷款