走遍美国文本及笔记11-3

ACT 3-1 “ 我能为你们做些什么?” 【故事梗概】 Marilyn 和Richard正在银行里。银行的贷款负责人Ralph Riley先生在询问他们现在的住房情况、职业及收入情况。 Mr. Riley: How do you do? Richard: Hello. Mr. Riley: I'm Ralph Riley. Richard: I'm Richard Stewart, and this is my wife, Marilyn. Mr. Riley: Pleased to meet you. Marilyn: Likewise, Mr. Riley. Mr. Riley: Please, sit down. What can I do for you? Richard: We'd like to discuss a mortgage. Marilyn: For a house. Mr. Riley: Fine. Are you buying a house or are you refinancing your present home? Richard: We're planning to buy a house. Marilyn: And we'd like to find out about a mortgage. Richard: We are customers of the bank. As a matter of fact, my whole family banks here. Mr. Riley: I have some questions to ask. Do you own your house or do you rent? Richard: Neither. We live with my parents, Dr. and Mrs. Philip Stewart. Mr. Riley: And how old are you? Marilyn: I'm twenty-nine. Richard: I'm thirty. Mr. Riley: And, Mr. Stewart, what is your occupation? Richard: I'm a freelance photographer. Mr. Riley: And, Mrs. Stewart, are you working? Marilyn: Yes. I'm a designer, and I work in a boutique. Mr. Riley: Did you bring any savings or salary information? Last year's tax forms? Richard: Yes. Here they are. 【语言点精讲】 1. Likewise, Mr. Riley. 我也很高兴见到你,Riley先生。这是对于“Pleased to meet you.”的一种回答方式。likewise也可以说the same here,两者都是非正式的说法。 2. What can I do for you? 我能为你们做些什么?这是营业人员或服务员接待顾客时常用的套语。 3. Are you buying a house or are you refinancing your present home?你们是想新购住房,还是要再次申请新的贷款? Are you buying… or are you refinancing…: 这里使用现在进行时,是表示当时当地的行为,“你们此次光临是为了……还是为了……?” refinancing: 重新按揭,重新安排按揭,把旧贷款还清后重新申请(买房)贷款。 4. As a matter of fact, my whole family banks here. 事实上,我们全家都是同这家银行来往的。 as a matter of fact: 事实上,实际上。 bank: 这里用作动词,指“存款于银行”。 5. I'm a freelance photographer. 我是自由摄影师。 freelance: (从事)自由职业(的人。Richard 不为某家公司工作,他把他的摄影作品卖给不同公司。 6. Did you bring any savings or salary information? Last year's tax forms? 你们有没有带来储蓄或工资方面的材料?比如说去年的纳税申报表? tax form: 纳税申报表。在美国,个人所得税的多少依每人的年收入而定。每年在4月15日前,人们必须填好tax form交到国家税务局。 ACT 3-2 “要视情况而定。” 【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。 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。 ACT 3-3 “ 我想要自己来解决这件事。” 【故事梗概】 从银行回来后,Richard 和Marilyn终于完全弄清楚了买房子意味着什么。既无担保品,又不愿去求Phillip当担保人,他们只能寄希望于出版Richard的摄影集出版之后的稿酬了。Ellen及时宽慰了他们的焦虑,Stewart家的传统又得到了发扬。 Richard: It all sounded so easy until they mentioned needing collateral or a guarantor. Marilyn: We have no collateral. Richard: And I don't think it's a good idea to ask Dad to sign as a guarantor. I don't feel right about it. Marilyn: I understand your feelings about it, Richard. Ellen: Now, tell me, what's the problem? Marilyn: We can get a loan from the bank if we can put up some collateral. Richard: And we don't own anything to use as collateral. Marilyn: Or someone can sign with us as a guarantor. Ellen: Why don't you speak to Dad? Richard: No. If we buy a house, I want to be able to handle it alone. Ellen: Everybody needs help sometimes, Richard. Marilyn: I understand Richard's feelings about it, Ellen. Richard: In two or three months, I'll have an advance on my book and be able to put more money down. Marilyn: What about the house in Mount Kisco? Somebody else'll buy it by then. Richard: Then there'll be other houses, Marilyn. Ellen: Richard has a point. You're just beginning to look. Marilyn: We're in no great rush. It's true. Richard: This has been a great learning experience for us, Marilyn. Talking to the real-estate agent. Looking at the houses. Talking to the loan officer at the bank. Marilyn: It has been a learning experience. That's true. Ellen: I think you're doing the right thing. Taking your time. Looking around. Especially with a purchase of this kind. You're talking about a lot of money. Marilyn: We'll call Mrs. Martinelli and tell her to keep looking for us. Richard: And I'll call Mr. Riley at the bank and tell him we'll see him in a couple of months. Ellen: And if you ever need Dad or me to help you … Marilyn: We know. Ellen: You know we'll be there for you. Richard: It's a Stewart tradition. We're a family. 【语言点精讲】 1. It all sounded so easy until they mentioned needing collateral or a guarantor. 一起头好像什么都很容易,可后来他提到了需要担保物或担保人,就不是那么容易了。until: 在此表示“到……之后情况就完全不同了”。可以使用“It all sounded so easy until…”来说明某事比预期的要难。 2. I don't feel right about it. 我觉得那样不合适。我认为那样做不对。 3. We can get a loan from the bank if we can put up some collateral. 我们要想得到银行的贷款,得提供担保物。 put up collateral: 提供担保物、抵押物。这是个常用的固定搭配。 4. If we buy a house, I want to be able to handle it alone. 如果我们买一所房子,我想要自己来解决这件事。 handle: 对付,承担,解决。 5. In two or three months, I'll have an advance on my book and be able to put more money down. 再过两三个月,我这本就能得到预付稿酬了,那时就能拿出更多的一笔头期款了。 an advance: 预付款。这里指在书出版前,出版者预付给作者的钱。 put more money down: 这里指增加首付款的数目。 6. Somebody else'll buy it by then. 到那时候会被别人买去了。 介词by表示“到某时为止,在某时以前”。 7. Richard has a point. You're just beginning to look. Richard has a point. : Richard说的有道理。用来表示对某人观点、说法等的赞同。You're just beginning to look.: 你们只不过刚开始看房子而已。意思为,不用慌,不必着急去买。 8. We're in no great rush. in no great rush: 不很急(买房子)。 9. You know we'll be there for you. We'll be there for you. : 我们会在你的身边。这里指“如果你们需要帮助,我们会伸出援助之手。”