第11课:私人宅邸 ACT 3-2 要视情况而定

时间 : 2013-12-14 07:05来源 : VOA官网 收听下载次数 :
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《走遍美国》是一套生活化美语教材,内容以住在纽约州的里弗代尔镇林登大街46号的Stewart一家三代人的生活为中心展开,内容涉及美国各地风土人情、社会生活的许多方面。这个幸福温馨的家庭是千百万美国白人中产者家庭的缩影。

 

【故事梗概】

银行的Riley先生对Richard和Marilyn的经济情况作了进一步了解了情况。他认为Richard和Marilyn没有足够的收入来保证他们可以偿还贷款,也并没有其它财产可以作为抵押,因此银行要求他们提供担保人后才可贷款。

 

【对话】

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. Are you prepared to make a ten-percent down payment?
Richard: Yes, we are.
Mr. Riley: Payments over thirty years?
Richard: Yes.
Marilyn: Do you think we can get a loan?
Mr Riley: Well, it depends. Do you own any other property? 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 over carefully.
Mr. Riley: Thank you.
Richard: Good-bye. Thanks.
Mr. Riley: Good-bye. And hope to see you soon.
Richard: I hope so, too.
Mr. Riley: Take care.
Marilyn: Good-bye.

 

【语言点精讲】

1. Are you prepared to make a ten-percent down payment?
你愿意付百分之十的头期款吗?
down payment: (分期付款中的)头期款。

2. Payments over thirty years?
余款分30年付清?
over (thirty years): (30年)期。这里的 over是“……之久,在……的期间”的意思,而不是指“超出……”。

3. Well, it depends. Do you own any other property? Any stocks or bonds?
嗯,还要分是什么情况。你们拥有不动产吗?有股票或是债券吗?
It depends.: 要视情况而定。看情况,不一定。
property: 财产,多指土地、房产等不动产。stock: 股票。bond: 债券。

4. Then you don't have any collateral.
那么就是说你们提不出任何担保物。
collateral: 抵押物,担保物。

5. A guarantor is responsible for the loan if you can't make the payments.
如果你不能按月偿还,保证人就要对贷款负责。
guarantor: 担保人。
be responsible for sth.: 为某事负责,对某事负责。
make the payments: 偿还(贷款)。

6. We'll read this over carefully.
我们要仔细地读一读这份材料。
read (this) over: 详读,仔细阅读。

7. Take care.
保重。相当于“Take care of yourself.” 这是告别时常讲的话。