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 Stewart，這是我妻子Marilyn。
Pleased to meet you. 很高興與你見(jiàn)面。
Likewise, Mr. Riley. 我們也一樣 Riley先生。
Please, sit down. What can I do for you? 請(qǐng)坐下。我能為你們做什么？
We'd like to discuss a mortgage. 我們想請(qǐng)教一下關(guān)于貸款的事。
For a house. 為了房子。
Fine. Are you buying a house 好的。你們是要買房子？
or are you refinancing your present home? 還是原有的房子重新申請(qǐng)貸款？
We're planning to buy a house. 我們計(jì)劃買一棟房子。
And we'd like to find out about a mortgage. 我們想知道如何貸款。
We are customers of the bank. 我們是貴行的顧客。
As a matter of fact, my whole family banks here. 事實(shí)上，我們?nèi)叶际琴F行的顧客。
I have some questions to ask. 我有一些問(wèn)題要問(wèn)。
Do you own your house or do you rent? 你們自己有房子還是租房？
Neither. 都不是。
We live with my parents, Dr. and Mrs. Philip Stewart. 我們和父母住在一起，我父母是Philip Stewart夫婦。
And how old are you? 你多大了？
I'm twenty-nine. 我二十九歲。
I'm thirty. 我三十歲。
And, Mr. Stewart, what is your occupation? 那么，Stewart，請(qǐng)問(wèn)你的職業(yè)是什么？
I'm a freelance photographer. 我是自由攝影師。
And, Mrs. Stewart, are you working? 嗯，Stewart太太，你有工作嗎？
Yes. I'm a designer, and I work in a boutique. 是的，我是位設(shè)計(jì)師，我在一家服裝店工作。
Did you bring any savings or salary information? 你是否帶來(lái)儲(chǔ)蓄和薪資的相關(guān)資料？
Last year's tax forms? 譬如去年的稅務(wù)申報(bào)表？
Yes. Here they are. 帶來(lái)了，在這兒。
OK. What ... what kind of house did you have in mind? 好的，你們打算買什么樣的房子？
We're talking about buying 我們?cè)谏塘抠?gòu)買
a two-bedroom house in Mount Kisco. 一棟有兩間臥室的的房子，在Mount Kisco。
Here are the financial details on the house. 這是這房子的財(cái)務(wù)細(xì)節(jié)。
Thank you. 謝謝你。
Are you prepared to make a ten-percent down payment? 你打算繳納10%做頭期款嗎？
Yes, we are. 是的，我們準(zhǔn)備如此辦。
Payments over thirty years? 三十年分期付款嗎？
Yes. 是的。
Do you think we can get a loan? 你覺(jué)得我們能得到貸款嗎？
Well, it depends. Do you own any other property? 嗯，這還要看情況。你們擁有其他什么財(cái)產(chǎn)嗎？
Any stocks or bonds? 有股票或債券嗎？
No. 沒(méi)有。
I see. Then you don't have any collateral. 我明白了。那么你們沒(méi)有任何擔(dān)保物。
Perhaps you could get a guarantor-- 也許你可以找一位擔(dān)保人---
someone to sign for the loan for you. 找個(gè)人為你們的貸款簽個(gè)名。
Why is that necessary? 為什么有此必要？
Since you don't have enough income, 由于你們的收入不夠，
and you don't already own any property, 而你們又沒(méi)擁有其他財(cái)產(chǎn)。
the bank needs to be sure 銀行需要確定
you can pay the mortgage every month. 你們能每月按時(shí)付款。
A guarantor is responsible for the loan 擔(dān)保人要對(duì)貸款負(fù)責(zé)
if you can't make the payments. 如果你們不能還錢。
I see. Well, the idea of buying a house is exciting. 我明白了。嗯 ，買房子的念頭叫人興奮過(guò)頭。
Thank you, Mr. Riley. We'll read this over carefully. 謝謝你，Riley先生。我們會(huì)仔細(xì)閱讀這些文件的。
Thank you. 謝謝你們。
Good-bye. Thanks. 再見(jiàn)。謝謝。
Good-bye. And hope to see you soon. 再見(jiàn)。希望很快再見(jiàn)到你們。
I hope so, too. 我也希望如此。
Take care. 慢走。
Good-bye. 再見(jiàn)。
It all sounded so easy 一切聽(tīng)起來(lái)那么容易
until they mentioned needing collateral or a guarantor. 在他們提到擔(dān)保物或擔(dān)保人之前。
We have no collateral. 我們沒(méi)有擔(dān)保物。
And I don't think it's a good idea 而且我覺(jué)得這不是個(gè)好主意。
to ask Dad to sign as a guarantor. 請(qǐng)爸爸當(dāng)擔(dān)保人為我簽字。
I don't feel right about it. 我覺(jué)得這樣不對(duì)。
I understand your feelings about it, Richard. 我了解你對(duì)這種事的心情，Richard。
Now, tell me, what's the problem? 現(xiàn)在，告訴我，你有什么問(wèn)題？
We can get a loan from the bank 我們能夠從銀行得到貸款
if we can put up some collateral. 如果我們能提供擔(dān)保物的話。
And we don't own anything to use as collateral. 可是我們沒(méi)有任何可以做擔(dān)保物的東西。
Or someone can sign with us as a guarantor. 或者有人能當(dāng)擔(dān)保人幫我們簽字。
Why don't you speak to Dad? 你們?yōu)槭裁床桓职终f(shuō)說(shuō)？
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(fù)責(zé)。
Everybody needs help sometimes, Richard. 每個(gè)人都有需要幫助的時(shí)候，Richard。
I understand Richard's feelings about it, Ellen. 我了解Richard的感受，Ellen。
In two or three months, I'll have an advance on my book 兩到三個(gè)月后，我能得到我那本書的預(yù)付款
and be able to put more money down. 也就可以增加頭期款的數(shù)目。
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