ACT III
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 Stewwart 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 Rileey先生。
Please
sit down. What can I do for you? 请坐下。我能为你你们做什麽
We'd like to discuss a mortgage. 我们想请教一下贷贷款的事
For a house. 为了房子。
Fine. Are you buying a house 好的。你们是要买买房子
or are you refinancing your present home? 还是原有的房子重重新申请贷
We're planning to buy a house. 我们计划买一栋房房子
And we'd like to find out about a mortgage. 我们想知道如何贷贷款
We are customers of the bank. 我们是贵行的顾客客
As a matter of fact
my whole family banks here. 事实上 我们全家家都是贵行的顾客
I have some questions to ask. 我有一些问题要问问
Do you own your house or do you rent? 你们自己有房子还还是租房
Neither. 都不是。
We live with my parents
Dr. and Mrs. Philip Stewart. 我们和父母住在一一起 我父母是Philip Stewart夫妇
And how old are you? 你几岁了
I'm twenty-nine. 我二十九岁。
I'm thirty. 我三十岁。
And
Mr. Stewart
what is your occupation? 那麽 Stewart先缮 你的职业呢
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
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? 你是否带来储蓄和和薪资的相关资
Last year's tax forms? 譬如去年的 伤吧晟 报表
Yes. Here they are. 带来了 在这 。
OK. What ... what kind of house did you have in mind? 好的 你们打算买买什麽样的房
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%做挝 备款吗
Yes
we are. 是的 我们准备如如此
Payments over thirty years? 三十年分期付款吗
Yes. 是的。
Do you think we can get a loan? 你觉得我们能得到到 盥
Well
it depends. Do you own any other property? 嗯 这还要看情 。你们拥有其他什麽财产吗
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。那麽你你们没有任何担保物
Perhaps you could get a guarantor-- 也许你可以找一位位担保
someone to sign for the loan for