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Talking about Housing Loans
房子告贷
Situation 31
景象 31
Al and Virginia Baxter are talking to their banker ,Tony Flora ,about a housing loan.
艾尔和弗吉尼亚·巴克斯特正和他们的银行家托尼·费洛拉洽谈有关房子告贷之事。
Al:We'd like to get some information about mortgage loans,Mr.Flora.
艾尔：咱们期望得到一些有关典当告贷方面的常识，弗洛拉先生。
We found a house that we'd like to buy.
咱们找到了一所咱们想买的房子。
Flora:Well,Mr.Baxter,we generally lend 80% of the bank's appraised value on 30-,35-or 40-year mortgages if the house is less than 10 years old .
弗洛拉：好的，巴克斯特先生。假定房子从建成至今没有跨越10年，咱们一般借给买房者的数额是银行对房子评价的80%，而告贷期为30、35或40年。
Baxter:Oh ,it's almost a brand-new house .I think it was built two years ago .
巴克斯特：哦， 这几乎是一所全新的房子，我认为是两年前建筑的。
A:Yes,it's a real good deal .The price is just right .
艾尔：是的，这真是的桩适合的生意，代价也很合理。
F:Bank appraisals are usually slightly lower than the actual market prices,Mr.Baxter,
弗洛拉，银行的评价老是低于实践商场价格的，巴克斯特先生。
so you'll have to figure on at least at a 25%-28% down payment .
因而，您有必要方案付出至少25%—28%的定金。
A:Yes,we planned on that .We've accumulated enough in our savings for a 30% down payment.
艾尔：是啊，这点咱们现已估量到了，在咱们的积储中攒的钱已满足付出30%的定金。
B:What's the interest rate on mortgage loans?
巴克斯特：典当告贷的利息率是多少?
F:It fluctuates a little depending on the various factors in the loan ,but around 8.75% for longtime clients.
弗洛拉：根据各种不怜惜况的告贷，利
息率稍有不一样，可是，关于银行的老顾主一般是8。75%支配。
A:Well,we've been banking here since we got married 8 years ago ,Mr.Flora ,so I guess we qualify.
艾尔：那么咱们从成婚到如今8年来一向与这儿的银行交游，弗洛拉先生。因而，我想咱们是符合条件的。
F:Yes,you certainly do ,Mr.Baxter.Let's fill out this application ,so we can get started on the paperwork .
弗洛拉：是的，你们当然是契合条件的，巴克斯特先生。让咱们先来填写这张请求表，然后就可以初步着手收据事宜，
It takes some time to complete a mortgage loan transaction.
要结束典当告贷的生意是得花点时刻。
B:We will need title insurance and fire insurance ,too,won't we ?
巴克斯特：咱们还需要产权稳妥和火灾稳妥，对吗?
F:Yes,you will.Here's our mortgage loan booklet which explains all the things which will be necessary .
弗洛拉：是的，这儿有一本有关咱们典当告贷的小册子，这个小册子阐明晰必需要办的悉数手续。
