走遍美國
A Place of Our Own(自己的住房) ACT III
1 . And I'll call Mr. Riley at the bank我打電話到銀行給Riley先生
2 . I'm twenty-nine.我二十九歲。
3 . if we can put up some collateral.如果我們能提供擔保物的話。
4 . the bank needs to be sure銀行需要確定
5 . Do you think we can get a loan?你覺得我們能得到貸款嗎？
6 . And I don't think it's a good idea而且我覺得這不是個好主意
7 . Fine. Are you buying a house好的。你們是要買房子呢？
8 . Are you prepared to make a ten-percent down payment?你打算繳納10%做為自備款嗎？
9 . Why is that necessary?為什麼有此必要
10 . And we'd like to find out about a mortgage.我們想知道如何貸款。
11 . Pleased to meet you.很高興與你見面。
12 . Talking to the loan officer at the bank.與銀行的貸款負責人談。
13 . It has been a learning experience. That's true.這真是一次學習經驗， 真的。
14 . We're planning to buy a house.我們計劃買一棟房子。
15 . to ask Dad to sign as a guarantor.請爸爸當擔保人為我簽字。
16 . Perhaps you could get a guarantor--也許你可以找一位擔保人
17 . We're in no great rush. It's true.我們不是很急， 這是真的。
18 . Please, sit down. What can I do for you?請坐下。我能為你們做什麼呢？
19 . Richard has a point. You're just beginning to look. Richard說得對。你們只是開始看房子而已。
20 . or are you refinancing your present home?還是原有的房子重新申請貸款？
21 . It's a Stewart tradition. We're a family.這是Stewart家的傳統。我們是一家人。
22 . Any stocks or bonds?有股票或債券嗎？
23 . Looking around. Especially with a purchase of this kind.到處看看， 特別是這一類買賣。
24 . Yes. I'm a designer, and I work in a boutique.是的， 我是位設計師， 我在一家服裝店工作。
25 . Likewise, Mr. Riley.我們也一樣 ，Riley先生。
26 . Did you bring any savings or salary information?你是否帶來儲蓄和薪資的相關資料？
27 . Here are the financial details on the house.這是這房子的財務細節。
28 . I think you're doing the right thing. Taking your time.我覺得你們做得對。慢慢來。
29 . Then there'll be other houses, Marilyn.還會有別的房子， Marilyn。
30 . We'd like to discuss a mortgage.我們想請教一下貸款的事。
31 . No. If we buy a house, I want to be able to handle it alone.不， 如果我們買房子， 我希望能夠自行負責。
32 . and be able to put more money down.也就可以增加自備款的額度。
33 . Yes, we are.是的 ，我們準備如此。
34 . I see. Then you don't have any collateral.我明白了。那麼你們沒有任何擔保物。
35 . This has been a great learning experience for us, Marilyn.這對我們是一次很好的學習經驗， Marilyn。
36 . OK. What ... what kind of house did you have in mind?好的， 你們打算買什麼樣的房子？
37 . I hope so, too.我也希望如此。
38 . until they mentioned needing collateral or a guarantor.在他們提到擔保物或擔保人之前。
39 . Talking to the real-estate agent.與房地產仲介商談。
40 . Yes. Here they are.帶來了， 在這裡 。
41 . As a matter of fact, my whole family banks here.事實上， 我們全家都是貴行的顧客。
42 . Somebody else'll buy it by then.別人也許買走了。
43 . You're talking about a lot of money.你們談的可是一大筆錢。
44 . a two-bedroom house in Mount Kisco.一棟有兩間臥室的房子， 在Mount Kisco。
45 . A guarantor is responsible for the loan擔保人要對貸款負責
46 . It all sounded so easy一切聽起來都那麼容易。
47 . Since you don't have enough income,由於你們的收入不夠
48 . Well, it depends. Do you own any other property?嗯， 這還要看情 。你們擁有其他什麼財產嗎
49 . Last year's tax forms?譬如去年的納稅申報表格？
50 . We have no collateral.我們沒有擔保物。