一步一个脚印

Briefing

This dialogue takes place between Mr Ben Doherty, a loan manager at a bank called SmartVest and Mrs Wang Fang, a Mandarin-speaking client who is making an equiry about how to apply for a mortgage.

Listen to Dialogue

Mandarin-English Dialogue #8 – Mortgage Application

Transcript

Mr Doherty: Hi. How can I help you today? [您好，我今天能帮您做些什么？]

Mrs Wang (王太太): 您好，我想多了解一下怎样申请住房贷款。这周，我已经看了很多在远郊的漂亮房子了，其中有一套特别吸引我。[Hello. I would like to know more about how to apply for a home loan. I’ve been inspecting some beautiful houses in the outer suburbs this week, and there is one in particular that caught my eye.]

Mr Doherty: Fantastic. Allow me to introduce myself. My name is Ben Doherty and I’m a loan manager here at SmartVest Bank. I would be happy to help you with any finance advice you require. So, tell me, what is it that attracted you to the property? [太好了。请允许我介绍我自己。我叫本. 多亨蒂，我是SmartVest银行这里的贷款经理。我很乐意为您提供你需要的任何经济上的建议。那么请告诉我，那所房产什么地方吸引你呢？]

Mrs Wang (王太太): 我看的那套房子相当的宽敞，而且是刚翻新的。它是三室一厅两卫。那里还有一个大后院，我可以让我的狗在那儿到处跑。难以想象在我的家乡北京还能以这么好的价格买到这么满意的房子。 [The house I looked at was really spacious and has been newly rennovated. It has three bedrooms, one living room and two bathrooms. There’s also a big backyard where I can let my dogs run around. I could never imagine getting such a lovely place in my hometown Beijing at a decent price.]

Mr Doherty: I can imagine. How much was the property valued at? [我能想象。这所房产的价值是多少呢？]

Mrs Wang (王太太): 恩，好的。这正是我所担心的。这套房产的价值是五十六万澳元，虽然比我预期的要低，不过还是超出了我的心理价位。考虑到这套房子的价格，你觉得我能贷多少钱呢？ [Ah, yes. This is what I was worrying about. The property is valued at $560,000 which, although much cheaper than I was expecting, is still a little out of my price range. Considering how much the property is worth, how much do you think I can borrow?]

Mr Doherty: How much you can afford to borrow will depend on a range of different things such as your income, your credit history and your savings. Later on we can use one of our home loan calculators to give you a good indication of your borrowing power and help you work out what your repayments would be. [你能贷多少钱是由一些不同的因素，比如你的收入、你的信贷记录和你的存款所决定的。等一会儿我们可以用我们的一个住房贷款计算器来让你明白你能贷多少钱，并且帮助你算出你将要还多少钱。]

Mrs Wang (王太太): 我明白了，不好意思，因为我之前从来没有申请过贷款，所以我有很多问题想问。[I see. You’ll have to excuse me as I’ve never applied for a loan before, so I have a thousand questions.]

Mr Doherty: By all means, shoot. [请尽管问吧。]

Mrs Wang (王太太): 好的， 事实上，如果你不介意的话，我自己已经列出了一些我想问的问题。首先，你能告诉我要付多少订金吗？ [OK.  I’ve actually written out a list of questions I’d like to ask if you don’t mind. Firstly, could you tell me how much deposit I need to make?]

Mr Doherty: No I don’t mind at all, it’s always great to see customers being organised and taking the initiative! I can see you’re really eager to get stuck in to this, so let’s get started. [不我一点也不介意。看到客户很有条理并且主动是很好的事。我能看出你真的很想要做这件事。所以我们开始吧。]

( … )

Ah yes, now, you asked me about deposit… Well, with our home loans, you typically need a deposit of at least 5% of the property’s value – plus enough to cover stamp duty and other admin fees. [啊是的，那刚才你问我关于首付的事。嗯就我们的住房贷款一般来说，你需要提供至少等于房产价值百分之五的首付，还要加上足够支付印花税和其他行政费用的数目。]

Mrs Wang (王太太): 我明白了，那申请时我需要提供哪些文件呢？我这么问是因为我有个表妹最近在另一家银行申请了一个个人贷款。她被震惊到了，因为她需要提供一大堆的资料，都快要被烦死了。[I see. And what documents do I need to provide when applying? The reason I ask is one of my cousins recently applied for a personal loan at another bank and she was surprised by how much paperwork she had to provide. She said it was a lot of stuffing around.]

Mr Doherty: Yes, I understand. There are a number of documents you will need to provide. I have a checklist here. You can have a look at it. [是的我明白。你需要提供很多资料。我这里有一份清单，你可以看一看。]

( … )

Well basically you need to provide a 100-point identification check, and evidence of your income, as well as details about the assets you own, and also any outstanding debt you have as well. [嗯基本上你需要提供百分之百的身份核对，你的收入证明，还有你拥有的资产细节，以及你任何没有还清的债款。]

Mrs Wang (王太太): 好。 哦，我刚想起来，我的邻居告诉我如果这是我第一次买房， 我可以申请。。。叫什么？好像叫“首次置业补助”。这真是太好了，我从来不知道有这么回事儿。[OK. Oh, I just remembered one thing. My neighbour said that if you’re purchasing your first home you can also apply for a… what’s it called? I think it’s called a “First Home Owner Grant”. It sounds great! I had no idea such a thing existed.]

( … )

虽然我有绿卡，但我不是澳洲国籍，这样我还有资格申请吗？ [I’m not an Australian citizen, although I do have Permament Residency. Am I still eligible for it?]

Mr Doherty: Don’t worry, permanent residents can also apply for it. The main thing is that you are buying your first home in Australia and that you plan to stay in that place for at least 12 months afterwards. Here, I’ll give you this factsheet. Maybe your interpreter could translate it for you later. [别担心，永久居民也可以申请。主要标准是你是在澳大利亚买你的第一所房产，并且你打算在这之后在那里居住至少12个月。在这里我给你这份情况说明书，可能等一下你的口译员可以为你翻译。]

Mrs Wang (王太太): 谢谢。不过需要看的资料太多了，你介意我休息会儿吗？ [Thank you. There is so much information to go through. Do you mind if we take a short break?]

Mr Doherty: No worries. I’ll get you a cuppa and a bickie if you like. There’s no point rushing such an important decision after all – and later in the afternoon I can explain all your options and take you through some scenarios that might work best for you. [不客气。如果你想要茶和点心我可以拿给你。毕竟没必要太快做出这么重要的决定。等一会儿在下午我会为你解释所有的选项，并且为你解释可能最适合你的一些方案。]

Mrs Wang (王太太): 听起来真不错，再次谢谢您。[That sounds lovely. Thanks again.]