走遍美国

A Place of Our Own ACT III
How do you do?
Hello.
I'm Ralph Riley.
I'm Richard Stewart, and this is my wife, Marilyn.
Pleased to meet you.
Likewise, Mr. Riley.
Please, sit down. What can I do for you?
We'd like to discuss a mortgage.
For a house.
Fine. Are you buying a house
or are you refinancing your present home?
We're planning to buy a house.
And we'd like to find out about a mortgage.
We are customers of the bank.
As a matter of fact, my whole family banks here.
I have some questions to ask.
Do you own your house or do you rent?
Neither.
We live with my parents, Dr. and Mrs. Philip Stewart.
And how old are you?
I'm twenty-nine.
I'm thirty.
And, Mr. Stewart, what is your occupation?
I'm a freelance photographer.
And, Mrs. Stewart, are you working?
Yes. I'm a designer, and I work in a boutique.
Did you bring any savings or salary information?
Last year's tax forms?
Yes. Here they are.
OK. What ... what kind of house did you have in mind?
We're talking about buying
a two-bedroom house in Mount Kisco.
Here are the financial details on the house.
Thank you.
Are you prepared to make a ten-percent down payment?
Yes, we are.
Payments over thirty years?
Yes.
Do you think we can get a loan?
Well, it depends. Do you own any other property?
Any stocks or bonds?
No.
I see. Then you don't have any collateral.
Perhaps you could get a guarantor--
someone to sign for the loan for you.
Why is that necessary?
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.
I see. Well, the idea of buying a house is exciting.
Thank you, Mr. Riley. We'll read this over carefully.
Thank you.
Good-bye. Thanks.
Good-bye. And hope to see you soon.
I hope so, too.
Take care.
Good-bye.
It all sounded so easy
until they mentioned needing collateral or a guarantor.
We have no collateral.
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.
I understand your feelings about it, Richard.
We can get a loan from the bank
[03:25.43]if we can put up some collateral.
And we don't own anything to use as collateral.
Or someone can sign with us as a guarantor.
Why don't you speak to Dad?
No. If we buy a house, I want to be able to handle it alone.
Everybody needs help sometimes, Richard.
I understand Richard's feelings about it, Ellen.
In two or three months, I'll have an advance on my book
and be able to put more money down.
What about the house in Mount Kisco?
Somebody else'll buy it by then.
Then there'll be other houses, Marilyn.
Richard has a point. You're just beginning to look. Richard
We're in no great rush. It's true.
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.
It has been a learning experience. That's true.
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.
We'll call Mrs. Martinelli and tell her to keep looking for us.
And I'll call Mr. Riley at the bank
and tell him we'll see him in a couple of months.
And if you ever need Dad or me to help you ...
We know.
You know we'll be there for you.
It's a Stewart tradition. We're a family.

【语言点精讲】

loan officer：贷款官员，贷款负责人。 If you want a loan, you speak to the bank's loan officer.
likewise： to feel the same way. 我们也一样（高兴认识你）。
refinancing： getting a new mortgage. 把旧贷款还清后重新申请（买房）贷款。
bank： to put or keep money in a bank. 存款于银行。
freelance： working for oneself. （从事）自由职业（的人）。 Richard doesn't work for a company. He sells his photographs to different buyers. Richard 不为某家公司工作，他把他的摄影作品卖给不同公司。
tax form：纳税申报表。在美国有工作收入的人要把所得的一部分收入交给政府，叫个人所得税。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。
down payment：（分期付款中的）头期款。 When you get a mortgage for a house, you usually pay the bank part of the price of the house immediately. This is a down payment. 当获得贷款买房子时，一般需要马上支付给银行一部分房钱。这就是分期付款的头期款。
over (thirty years)： during a period of (thirty years). （30年）期。
property： something you own, such as land or a house. 财产。
stock：股票。If you buy stocks in a business, you own part of the company. 如果你买了某公司发行的股票，你就拥有这个公司的部分财产。
bond：债券。 A business or the government may sell bonds to get money. If you buy a bond, the seller must pay back your money plus interest, or extra money, on a specific date. 一个企业或政府可以通过发行债券来集资。如果你买了债券，卖方除在特定时间偿还你的钱，还要支付利息。
collateral： property that a lender can take from you if you can't pay back a loan. 担保物。
guarantor： someone who agrees to pay back your loan if you cannot pay it. 担保人。
income： money you earn. 收入。
make the payments： to pay back the loan. 偿还。
read (this) over=Read (this) completely and carefully. 详读。
Take care. = Take care of yourself. 保重。 This is a common way to say good-bye. 这是告别时常讲的话。
tray： a flat piece of wood or metal with raised edges used for carrying cups, plates, food, etc.托盘，浅盘。
put up： to give. 提供。 This two-word verb is usual with the word collateral. 这个动词词组常与collateral连用。
handle： to deal with, be responsible for. 对付，承担。
an advance： a payment by a publisher to an author before a book is published. 预付款（在书出版前，出版者给作者的钱）。
put more money down： to give a larger down payment. 增加头期款的数目。
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，不着急去买。
in no great rush： in no hurry. 不很急（买房子）。
purchase： something you buy. 购买的东西。
We'll be there for you. =You can ask us for help．我们会伸出援助之手。
tradition： a custom. 传统。

A Place of Our Own /自己的房子

ACT3

【语言点精讲】

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