房地產(chǎn)英語(yǔ)：申請(qǐng)按揭手續(xù)

買了房子后，陳先生想申請(qǐng)銀行按揭。在物業(yè)代理王先生的推薦上，他來到銀行咨詢按揭手續(xù)。

A--Agent Mr. Wang 物業(yè)代理王先生

B--Buyer Mr. Chen 買家陳先生

C--Bank Loan Officer 銀行職員

A: Good morning. Let me introduce you to Mr. Chen. He would like to ask you details about mortgage loans.

早上好！讓我介紹一下，這是陳先生。他想咨詢有關(guān)銀行按揭的詳細(xì)內(nèi)容。

C: Good morning, Mr. Chen. I've known Mr. Wang for many years. He is a very helpful agent.

早上好，陳先生。我認(rèn)識(shí)王先生很多年了。他是一個(gè)熱心的物業(yè)代理。

B: Yes, he is. Mr. Wang has given some good advice that has helped us buy this apartment at such a reasonable price.

是的。王先生給了我們很多建議，幫我們買到價(jià)錢這么合理的房子。

A: Sam, Mr. Chen has recently bought a flat in Tai Koo Shing. I recommended that they apply for a mortgage loan at your bank..

山姆，陳先生最近在太古城買了套房子。我建議他們到你們的銀行申請(qǐng)按揭。

C: Thank you. We can start by you giving me the information on your property.

謝謝。首先請(qǐng)給我介紹一下你買的房子。

A: Sam, this is the Preliminary Sale and Purchase Agreement. The selling price of the flat is four point two million HK dollars. He would like to apply for a mortgage loan representing 70% of the purchase price.

山姆，這是臨時(shí)買賣合約。成交價(jià)是四百二十萬(wàn)港幣。他希望申請(qǐng)七成銀行按揭。

B: I would like to know the different kinds of home investment plans your bank offers.

我希望知道有多少種銀行按揭方法可也選擇。

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.

好的，陳先生。本銀行可以向任何月收入超過七萬(wàn)塊的客戶提供八厘二五的最優(yōu)惠按揭利率。

B: I'm afraid I'm not eligible for this plan. Here is my salary tax form from 2004 to 2005.

恐怕我不合乎這個(gè)條款。這是我零四到零五年的稅單。

C: Do you have any other bank mortgage loans?

你有沒有其他銀行按揭貸款?

B: No, I don't. The apartment we are living in now is fully paid up.

我沒有任何貸款，我現(xiàn)在住的房子已經(jīng)供完了。

C: I see. Please give me ten minutes to calculate the interest for you.

我明白了。請(qǐng)給我十分鐘來計(jì)算利率。

(After 10 minutes.)

（十分鐘后。）

C: Mr. Chen, our bank will offer you a 10.25% interest rate. Attached is a repayment table for your reference

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