第11课：私人宅邸 ACT 3-2 要视情况而定
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?
Marilyn: Do you think we can get a loan?
Mr Riley: Well, it depends. Do you own any other property? Any stocks or bonds?
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.
1. Are you prepared to make a ten-percent down payment?
down payment: （分期付款中的）头期款。
2. Payments over thirty years?
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?
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.
5. A guarantor is responsible for the loan if you can't make the payments.
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.
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。