房地產(chǎn)英語(yǔ)Chapter 8 按揭

[ti:] [ar:] [al:] [by:喜歡tingclass.net，請(qǐng)把tingclass.net告訴你QQ上的5位好友，多謝支持！] [00:11.00]聽(tīng)力課堂網(wǎng)(tingclass.net)approve [00:01.48]批核 [00:02.95]Conditional Letter of Offer [00:05.42]附帶條件批核通知書(shū) [00:07.89]eligible [00:09.31]符合 [00:10.74]salary tax [00:12.28]薪俸稅 [00:13.82]minimum mortgage rate [00:15.95]最優(yōu)惠按揭利率 [00:18.08]paid up [00:19.25]付清 [00:20.43]repayment table [00:22.44]按揭還款表 [00:24.45]A:Agent Mr.Wang [00:25.47]物業(yè)代理王先生 [00:26.49]B:Buyer Mr.Chen [00:28.03]買(mǎi)家陳先生 [00:29.57]C:Bank Loan Officer [00:31.40]銀行職員 [00:33.23]A:Good morning.Let me introduce you to Mr.Chen. [00:35.42]早晨好！讓我介紹一下，這是陳先生。 [00:37.62]He would like to ask you details about mortgage loans. [00:39.43]他希望查詢(xún)有關(guān)銀行按揭的詳細(xì)內(nèi)容。 [00:41.25]C:Good morning,Mr.Chen.I've known Mr.Wang for many years. [00:43.66]陳先生，早晨好！我認(rèn)識(shí)王先生很多年了。 [00:46.08]He is a very helpful agent. [00:47.50]他是一個(gè)熱誠(chéng)服務(wù)的物業(yè)代理。 [00:48.93]B:Yes,he is.Mr.Wang has gives some good advices which helped us buy this apartment at such a reasonable price. [00:54.37]是的，我非常同意。王先生給我們很多建議，如果沒(méi)有他，我們也不能買(mǎi)到如此合理價(jià)格的住宅物業(yè)。 [00:59.82]A:Sam,Mr.Chen has recently bought a flat in Tai Koo Shing. [01:02.11]森，陳先生最近買(mǎi)了太古城一個(gè)住宅物業(yè)。 [01:04.39]I recommended that they apply for a mortgage loan at your bank. [01:06.93]所以我建議他們到你們的銀行申請(qǐng)按揭。 [01:09.46]C:Thank you.We can start by you giving me the information on your property. [01:12.86]謝謝，首先請(qǐng)給我一些關(guān)于你的物業(yè)的資料。 [01:16.25]A:Sam,this is the Preliminary Sale and Purchase Agreement. [01:18.76]森，這是臨時(shí)買(mǎi)賣(mài)合約。 [01:21.27](Hands over document)The selling price of the flat is four point two million dollars. [01:24.45]（把文件交給他）成交價(jià)是四百二十萬(wàn)元。 [01:27.64]He would like to apply for a mortgage loan representing 70% of the purchase price. [01:31.23]他希望申請(qǐng)七成銀行按揭。 [01:34.82]B:I would like to know the different kinds of home investment plans your bank offers. [01:38.38]我希望知道有多少種銀行按揭方法可供選擇。 [01:41.93]C:Sure,Mr.Chen.Our bank's minimum mortgage rate is 8.25% to any applicant with a monthly income of over seventy thousand dollars. [01:50.11]好的，陳先生，本銀行可以向任何每月收入超過(guò)七萬(wàn)元的客戶(hù)提供八厘二五的最優(yōu)惠按揭利率。 [01:58.28]B:I'm afraid I'm not eligible for this plan. [02:00.14]我恐怕我不符合這個(gè)計(jì)劃的要求。 [02:01.99]Here is my salary tax form for the year ninety_five to ninety_six. [02:04.71]這是我1995年至1996年度薪俸稅單。 [02:07.43]My annual income is four hundred and eighty thousand dollars. [02:09.87]我的年薪約為四十八萬(wàn)元。 [02:12.31]C:Do you have any other bank mortgage loans? [02:14.07]你有沒(méi)有其他銀行按揭貸款？ [02:15.84]B:No,we don't.The apartment we are living now is fully paid up. [02:18.62]我沒(méi)有任何貸款，我現(xiàn)在所住的物業(yè)供款已經(jīng)全部付清了。 [02:21.40]C:I see.Please give me ten minutes to calculate the interest rate for you. [02:24.50]我明白了。請(qǐng)給我十分鐘來(lái)計(jì)算利率。 [02:27.59](After 10 minutes). [02:28.41]（十分鐘后） [02:29.24]C:Mr.Chen,our bank will offer you a 10.25% interest rate.Attached is a repayment table for your reference. [02:35.70]陳先生，銀行會(huì)為你提供十厘二五的按揭利率。這是一份給你作參考的按揭還款表。 [02:42.17]B:Thank you.How long do you need for approval of my loan? [02:44.43]謝謝，你們需要多長(zhǎng)時(shí)間批核我的按揭申請(qǐng)呢？ [02:46.69]C:Usually it takes two days to approve your application and then we will issue a Conditional Letter of Offer and notify your solicitor to prepare the mortgage document in about two weeks. [02:56.63]通常需要兩天的時(shí)間才能知道是否批核申請(qǐng)，本銀行會(huì)于兩星期內(nèi)發(fā)出一份附帶條件的批核按揭通知書(shū)給你并通知你的律師準(zhǔn)備按揭文件。 [03:06.57]B:Thank you for all your time. [03:07.52]好的，謝謝你的幫忙。 [03:08.47]I have to discuss this with my wife,and then bring the relevant document to you. [03:11.78]我必須與太太再商量一下，然后我會(huì)帶齊所有有關(guān)資料給你。 [03:15.08]Thank you,Mr.Wang.I will get back to you. [03:16.81]謝謝王先生，我會(huì)跟你聯(lián)絡(luò)。 [03:18.53]A:Thank you,Mr.Chen and thank you,Sam. [03:20.35]不用客氣，陳先生。謝謝你。 [03:22.16]C:You're welcome. [03:23.89]不用客氣。

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