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房地产口语对话——房屋贷款

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以下是小编为大家收集的房地产口语对话——房屋贷款，本文共5篇，希望对大家有所帮助。

房地产口语对话——房屋贷款

篇1：房地产口语对话——房屋贷款

房地产口语对话——房屋贷款

Talking about Housing Loans

房屋贷款

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·费洛拉洽谈有关房屋贷款之事。

Al:We'd like to get some information about mortgage loans,Mr.Flora.

艾尔：我们希望得到一些有关抵押贷款方面的知识，弗洛拉先生。

We found a house that we'd like to buy.

我们找到了一所我们想买的房子。

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。如果房屋从建成至今尚未超过，我们一般借给买房者的数额是银行对房屋估价的80%，而贷款期为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，我认为是两年前修建的。

A:Yes,it's a real good deal .The price is just right .

艾尔：是的，这真是的桩合适的买卖，价钱也很合理。

F:Bank appraisals are usually slightly lower than the actual market prices,Mr.Baxter,

弗洛拉，银行的估价总是低于实际市场价格的，巴克斯特先生。

so you'll have to figure on at least at a 25%-28% down payment .

因此，您必须计划支付至少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，这点我们已经估计到了，在我们的积蓄中攒的钱已足够支付30%的定金。

B:What's the interest rate on mortgage loans?

巴克斯特：抵押贷款的利息率是多少?

F:It fluctuates a little depending on the various factors in the loan ,but around 8.75% for longtime clients.

弗洛拉：根据各种不同情况的贷款，利息率稍有差别，但是，对于银行的老主顾一般是8。75%左右。

A:Well,we've been banking here since we got married 8 years ago ,Mr.Flora ,so I guess we qualify.

艾尔：那么我们从结婚到现在8年来一直与这里的银行往来，弗洛拉先生。因此，我想我们是合乎条件的。

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，你们当然是符合条件的，巴克斯特先生。让我们先来填写这张申请表，然后就可以开始着手票据事宜，

It takes some time to complete a mortgage loan transaction.

要完成抵押贷款的交易是得花点时间。

B:We will need title insurance and fire insurance ,too,won't we ?

巴克斯特：我们还需要产权保险和火灾保险，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，这里有一本有关我们抵押贷款的小册子，这个小册子说明了必须要办的一切手续。

年轻人5步养成储蓄习惯，告别月光族

Step 1: Create a Budget

第一步：制定预算

Begin by listing your stable monthly income, as well as all expenses. That’s everything from your monthly house payment, down to how much you spend buying coffee on the fly.

先列出每月固定收入和所有支出，上至每月房子月供，下到匆忙中买咖啡花的钱。

It's usually best if you go back a few months. At a minimum, you should include the past three months. But going back six months, or even a full year, may provide a lot more insight.

通常最好回顾近几个月的收支情况，至少该看近三个月的，要是能回顾一下过去六个月甚至一整年的就能更深入地了解。

It can be messy and involved, but there are budgeting apps that can help you do this in a matter of minutes. By linking your spending and income accounts to an app, the analysis can be done for you.[/en

情况可能有点儿混乱和复杂，但有些预算应用程序能帮你在几分钟内搞定。只要把支出和收入账户绑定到应用程序上，你就能得到分析结果。

[en]Step 2: Analyze Your Spending

第二步：分析支出

Whether you do it manually or using an app, you should summarize your spending patterns. Create expense categories, such as mortgage, car payments, utilities, groceries, and entertainment.

无论你是手动记录还是使用应用程序，都应该总结一下消费模式，把消费分类，比如月供、汽车支出、生活缴费、日常购物和娱乐。

The second point is the most important because it's the basic foundation of a budget. You don't want to merely track your spending, but develop plans and strategies to control it.

第二点最重要，因为这是预算的基本依据。你不仅是想追踪支出，还想制定计划和对策来控制支出。

Once you know what your monthly spending is in each expense category, group your expenses into three categories:

一旦知道自己每月的各种支出，你就把支出分成三类：

Necessary fixed expenses. These include basic living expenses, like rent, health insurance, and debt payments.

必要的固定支出。包括基本生活开销，如房租、健康保险和债务。

Necessary variable expenses. These are items you need, but that vary in amount. It includes groceries, gasoline, and some utilities.

必要的可变支出。这些是你需要消费的，但钱数不固定。包括日常购物、汽油和一些生活缴费。

Optional expenses. This broad category includes everything else, and are desirable, but not necessary. Entertainment and eating out are two prime examples.

可选支出。这个范围很广，包括其他所有方面，是你想做但又不必要的。最基本的两项就是娱乐和外出就餐。

There's not much you can do about necessary fixed expenses. But you can work to gradually lower necessary variable expenses. For example, you can set a goal to cut your grocery bill by 20 percent, and your utilities by 10 percent.

必要的固定支出你不能做太大改变，但你可以逐渐减少必要的可变支出，比如你可以定一个目标，减少20%的日常购物开销和10%的生活缴费。

The biggest savings will be optional expenses. Since these are totally discretionary, you can literally cut them to zero, without hurting your basic standard of living.

最大的省钱项目是可选支出，因为这些完全取决于你自己，你其实可以把这笔钱都省下还不会影响基本生活水平。

Now you don't need to cut your spending in this category by 100 percent. But 50 percent would free-up a solid amount of money for savings.

现在你不需要完全省下这笔开销，拿出50%就可以成为一笔可观的存款了。

The entire purpose of categorizing and analyzing your expenses is to identify areas you can reduce in favor of saving.

分类和分析支出的最终目的，就是知道在哪儿能省出钱来储蓄。

Step 3: Set a Savings Goal

第三步：制定储蓄目标

Set a target amount for savings. For example, you may want to have three month’s living expenses in an emergency fund. If you need $3,000 per month to cover your expenses, you’ll need $9,000 to fill the fund. That’s your savings goal––you can set others later.

定一个储蓄的目标钱数。比如应急基金可能需要三个月的生活支出，如果你每月支出$3,000，这个基金就需要$9,000，这就是你的储蓄目标，其他目标可以延后。

You'll then need to create a reasonable plan to reach that goal. For example, you can decide you're going to save a flat dollar amount each month. If you save $450 per month in your budget, you'll reach your savings target in 20 months.

然后你需要制定一个可行的计划来实现目标。比如你可以决定每月省下固定钱数，如果你每月计划省下$450，20个月就能达到目标钱数了。

Step 4: Know When You’re Pushing Too Hard

第四步：知道自己什么时候存得太多

You might set high goals at the very beginning, with the idea of making up for lost time. This is probably not a good idea. If you haven't been a saver up to this point, it’ll take time before it comes naturally.

你可能最开始定了很高的目标，想把损失的时间补回来，这个做法可能并不合适。如果你目前还没攒下钱，那想要自然而然地攒钱还需要一段时间。

Your best bet is to start with a savings goal that's doable. For example, if saving 10 percent of your income is fairly easy, go with that number. You can increase it over time, as your earnings increase, and you get better at cutting spending.

最好的做法是先制定可行的储蓄目标，比如，如果把收入的10%存起来很容易，那就存那么多。收入增多而且你更会省钱时就可以逐渐增加储蓄的钱数。

Step 5: Knowing When You’re Not Pushing Hard Enough

第五步：知道自己什么时候存得不够

One of the inherent problems in setting any savings goal is the need to see results. In Step 4 I suggested starting by saving 10 percent of your income, or some other number that’s an easy fit. That's fine when you're just starting out, but it should increase as you go along. If not, your savings plan could derail.

设定储蓄目标一定会产生一个问题，那就是要能看到结果。在第四步中我建议开始时先存起来收入的10%，或者任何对你来说可行的钱数。刚开始时还可以，但钱数要逐渐增加，做不到的话你的储蓄计划就前功尽弃了。

Start small, increase your savings gradually, and you'll find that balance. Once you do, budgeting and saving will start to come naturally, and you'll begin to reap the rewards of an improved financial condition.

先少存一些，逐渐增加储蓄金额，你会找到那个平衡点。一旦找到了，预算和储蓄就成了自然而然的事，你也能尝到经济条件改善的甜头了。

篇2：外贸英语售后服务口语对话

K: Hello. May I talk with the person in charge here?

你好，我可以和这里的负责人谈一下吗?

L: Hello. I am the general manager here. Can I help you?

你好。我是这里的总经理。请问你有什么事吗?

K: This is my business card. We imported a batch of refrigerators from your company not long ago. Much to our surprise, a lot of customers complained that there had something wrong with the power plug after we sold the goods to them.

这是我的名片。我们不久前从你们公司进口了一批冰箱。货物销售给顾客后，令我们惊讶的是，好多顾客反映电源插头有毛病。

L: Is this the true? We examined all the products carefully before shipment.

是真的吗?发货前我们把所有产品都仔细检肆税

k: Since I come all the way from the place so far away place, I couldn't take a joke about such a thing. How do you think we shall solve it?

我既然从这么远的地方过来，是不会拿这样的事情开玩笑的。你说怎么解决吧?

L: We are regular manufacturer and also have certain reputation in the world, if what you said is the facts, we will think of some way to remedy it. We really didn't expect such things.

我们是正规的生产厂家，在世界上也有一定的声誉。如果你说的是事实，我们一定会想办法弥补的。我们也真的没想到会出现这样的情况。

K: Then how do you want to remedy it specifically?

那你要具体怎么弥补呢?

L: We have established after-sale service center in many cities of many countries of the world. We will deliver and install the commodity for our customers freely. And if the customer complains the refrigerator has a problem, we will provide free on-site maintenance.

我们在世界上很多国家的很多城市都设有售后服务中心。我们会免费给顾客托运、安装。如果客户抱怨冰箱有问题，我们也会免费上门维修的。

K:That would be great. I thought we would have to take the goods back again.

那就太好了。我本以为我们还必须把货物运回来呢。

L:That would be too troublesome and unnecessary.I'm sorry for the trouble the refrigerator brings you.

那样太麻烦了。也是不必要的。对冰箱毛病给你们带来的麻烦，我表示很抱歉。

K:It doesn't matter. It is good as long as the problem is solved.

没关系。只要问题解决了就好了。

篇3：商务英语情景口语对话

Four.Memos

Dialogue 1

A:I have been waiting here in the conference room for ten minutes already, what time is the meeting start? where is anyone anyway?

B:Didn't you hear about that, our meeting was postponed until Friday.

A: What? the meeting was postponed? No one told me anything about it.

B: Did you get the memo?

A: What memo? They havn't any memo this whole week, I check my inbox every day.And I havn't seen anything.

B: The memo went out 3 days ago. It should have made to your inbox, but maybe lost in all collectors on your desk.

A: You know how things get pilot about my desk when I'm busy. I know sometimes I do many please things,but I always read all the memos go arround, they go directly to my inbox. Are you sure were send to whole office?

B: It should have got arround to every body, they also post a copy of the memo in the break room. Don't you ever look at meassages post on the bulletin board?

A: I'm usually too busy to take a bunch of cofee break by the watercooler, Anyway, I'm sure the memo never get to my inbox, I'll have to talk our secretary about it.

B. That's right, You will never know what your missing out of it if you don't read the memos.

Dialogue 2

A: Ms. Dorsen, I need to take a dictation for me,

B: Yes, sir;

A: They should go out intra office memorandum to all employee by this afternoon, are you ready?

B: Yes, sir, Go ahead.

A: Attention all staff:effective immediately, all office communication are restricted to email correspondance as official memos, the use of instance message porgram by employee during work hour are strictly prohibited.

B: Sir, Does this apply to intra office communication only or relate also restrict external communications?

A: It should apply to all communications. Not only in this office between employees, but also any outside communciations.

B: But sir, many employees use instance messaging to communcate with clients.

A: This were just have to change the communication methods, I don't want any one use instance messaging in this office, it waste too much time. Now, please, continue the memos. Where were we?

B: This apply to internal and external communications.

A: Yes, any employee who persist using instance messaging, will first recieve a warning, and placed on prohibition, and the second sense, the employment will be termination. Any question regarding this new policy maybe dirctly to the department of his.

B: Is that all?

A: Yes, please give this memo type out and distribute to all employees before 4:00 PM.

[商务英语情景口语对话]

篇4：外贸口语情景对话

这是有关网上购物利弊的一段外贸口语情景对话，一起来看看吧。

advantages and disadvantages of online-shopping网上购物的利弊

a: what do you do with surfing the internet?

您在网上做些什么?

b: well, finding out the latest news, chatting with some friends, playing games and things like that.

浏览新闻，与朋友聊天，玩游戏，诸如此类的事情。

a: have you ever bought anything this way?

您在那里买过东西吗?

b: no, never. i don't feel like shopping that way.

从来没有。我不喜欢那样买东西。

a: why? isn't it convenient for you to shop without moving to a store like this?

为什么?您不需要像这样来到商店就可以购物，难道不方便吗?

b: on-line shopping sounds easy and convenient, but it presents many problems.

网上购物看似简单方便，实际存在很多问题。

a: would you say more details?

能说得具体点吗?

b: it's not safe to reveal some information of the credit card to a stranger.

把自己的信用卡的信息透露给一个陌生人是不安全的。

a: yeah, some criminals sometimes make use of the internet.

是啊，一些犯罪分子会利用网络作案。

b: also the quality of the goods is not guaranteed, as we must pay first.

因为是先付款，一些商品的质量难以保证。

a: that's true. and that's what troubles some on-line shoppers as well.

确实如此，这也是许多网上购物者遇到的问题。

b: and the most important thing is shopping on line deprives the pleasure of shopping. it's nothing like the real shopping here, short of pleasure of communication with real people, and relaxation.

最重要的是，网上购物剥夺了购物的乐趣。它和在商店购物不同，缺少人与人的沟通和放松的乐趣。

a: good points. thanks very much.

您的观点很对。多谢!

b: my pleasure.

不客气。

重点讲解

1. feel like doing someting 想要做某事情

we'll go for a walk if you feel like it.

你愿意的话，咱们就去散散步。

i feel like having a drink.

我想喝点酒。

2. surf the internet 上网;上网冲浪;网上冲浪;浏览因特网