★英語聽力頻道為大家整理的高中英語聽力下載：獲得抵押貸款，供大家參考。更多閱讀請查看本站英語聽力頻道。
Kiko:Figuring out how to fill out this mortgage loan application is like trying to read a foreign language.
奇科:填寫這張抵押貸款申請表就像讀外語一樣。 I don't know what all these terms mean. 我搞不懂這些術(shù)語的意思。 Rafael:Let's see if we can figure it out together. 拉斐爾:我們倆人看看是否可以弄明白。 I think we want a fixed-rate mortgage, not an adjustable-rate mortgage. 我認為我們需要填固定利率抵押,而不是可調(diào)利率抵押。 獲得抵押貸款.jpg
We want to lock in a good annual percentage rate and not worry about the rate going up.
我們想要定好年度百分率,那樣就不用擔(dān)心利率上升。 Kiko:All right, I think that's what we want. 奇科:好的,我認為這是我們所想的。 We want the principal and interest payments to be predictable. 我們希望本金和利息支付在可預(yù)測范圍內(nèi)。 Rafael:That's right. 拉斐爾:沒錯。 Kiko:And what are points? 奇科:這些點是什么? Rafael:I think that has to do with fees for getting the loan. 拉斐爾:我覺得跟獲得貸款的費用有關(guān)。 Kiko:It looks like we have to get an appraisal of the house we want to buy. 奇科:看起來我們必須對我們想買的房子進行評估。 Rafael:Yes, that's standard,I think. 拉斐爾:是的, 我想這是標準。 Kiko:Do we have to pay for private mortgage insurance? 奇科:我們必須支付私人按揭保險嗎? Rafael:Not if we have a down payment of more than 20% of the price of the house. 拉斐爾:除非我們要付20%的首付房款。 Kiko:Okay, so we don't need to worry about that expense, but what about all these others? 奇科:好吧,所以我們不需要擔(dān)心費用,但其他呢? Rafael:Like what? 拉斐爾:比如什么? Kiko:Like homeowners insurance and title insurance? 奇科:就像住宅業(yè)主保險和產(chǎn)權(quán)保險? Rafael:I'm not sure. 拉斐爾:我不確定。 Kiko:And what are balloon payments and prepayment penalties? 奇科:大額尾款支付和提前償付罰金是什么? Rafael:You got me. 拉斐爾:你問住我了。 Kiko:And what's included in the closing costs? 奇科:借款手續(xù)費包括什么? Rafael:I'm really out of my depth here. 拉斐爾:我真的一竅不通。 Kiko:Me, too. What should we do now? 奇科:我也是。現(xiàn)在我們應(yīng)該做什么? Rafael:Continue to rent? 拉斐爾:接著租房子嗎?
Kiko:Figuring out how to fill out this mortgage loan application is like trying to read a foreign language.
奇科:填寫這張抵押貸款申請表就像讀外語一樣。 I don't know what all these terms mean. 我搞不懂這些術(shù)語的意思。 Rafael:Let's see if we can figure it out together. 拉斐爾:我們倆人看看是否可以弄明白。 I think we want a fixed-rate mortgage, not an adjustable-rate mortgage. 我認為我們需要填固定利率抵押,而不是可調(diào)利率抵押。 獲得抵押貸款.jpg
We want to lock in a good annual percentage rate and not worry about the rate going up.
我們想要定好年度百分率,那樣就不用擔(dān)心利率上升。 Kiko:All right, I think that's what we want. 奇科:好的,我認為這是我們所想的。 We want the principal and interest payments to be predictable. 我們希望本金和利息支付在可預(yù)測范圍內(nèi)。 Rafael:That's right. 拉斐爾:沒錯。 Kiko:And what are points? 奇科:這些點是什么? Rafael:I think that has to do with fees for getting the loan. 拉斐爾:我覺得跟獲得貸款的費用有關(guān)。 Kiko:It looks like we have to get an appraisal of the house we want to buy. 奇科:看起來我們必須對我們想買的房子進行評估。 Rafael:Yes, that's standard,I think. 拉斐爾:是的, 我想這是標準。 Kiko:Do we have to pay for private mortgage insurance? 奇科:我們必須支付私人按揭保險嗎? Rafael:Not if we have a down payment of more than 20% of the price of the house. 拉斐爾:除非我們要付20%的首付房款。 Kiko:Okay, so we don't need to worry about that expense, but what about all these others? 奇科:好吧,所以我們不需要擔(dān)心費用,但其他呢? Rafael:Like what? 拉斐爾:比如什么? Kiko:Like homeowners insurance and title insurance? 奇科:就像住宅業(yè)主保險和產(chǎn)權(quán)保險? Rafael:I'm not sure. 拉斐爾:我不確定。 Kiko:And what are balloon payments and prepayment penalties? 奇科:大額尾款支付和提前償付罰金是什么? Rafael:You got me. 拉斐爾:你問住我了。 Kiko:And what's included in the closing costs? 奇科:借款手續(xù)費包括什么? Rafael:I'm really out of my depth here. 拉斐爾:我真的一竅不通。 Kiko:Me, too. What should we do now? 奇科:我也是。現(xiàn)在我們應(yīng)該做什么? Rafael:Continue to rent? 拉斐爾:接著租房子嗎?