时间:2018-12-27 作者:英语课 分类:2015年ESL之日常生活


英语课

Getting a Mortgage Loan


Kiko: Figuring out how to fill out this mortgage loan application is like trying to read a foreign language. I don’t know what all these terms mean. 


Rafael: Let’s see if we can figure it out together. I think we want a fixed-rate mortgage, not an adjustable-rate mortgage. We want to lock in a good annual percentage rate and not worry about the rate going up. 


Kiko: All right, I think that’s what we want. We want the principal and interest payments to be predictable. 


Rafael: That’s right. 


Kiko: And what are points? 


Rafael: I think that has to do with fees for getting the loan. 


Kiko: It looks like we have to get an appraisal 1 of the house we want to buy. 


Rafael: Yes, that’s standard, I think. 


Kiko: Do we have to pay for private mortgage insurance? 


Rafael: Not if we have a down payment of more than 20% of the price of the house. 


Kiko: Okay, so we don’t need to worry about that expense, but what about all these others? 


Rafael: Like what? 


Kiko: Like homeowners insurance and title insurance? 


Rafael: I’m not sure. 


Kiko: And what are balloon payments and prepayment penalties? 


Rafael: You got me. 


Kiko: And what’s included in the closing costs? 


Rafael: I’m really out of my depth here. 


Kiko: Me, too. What should we do now? 


Rafael: Continue to rent? 


 


Script by Dr. Lucy Tse 



1 appraisal
n.对…作出的评价;评价,鉴定,评估
  • What's your appraisal of the situation?你对局势是如何评估的?
  • We need to make a proper appraisal of his work.对于他的工作我们需要做出适当的评价。
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