Episode 11 A Place of Our Own ACT III 自己的房子 第三幕

What can I do for you? ^{有什么我能帮您的吗？}

What can I do for you? ^{有什么我可以帮您的吗？ / 您要办理什么业务？}

• Hello, welcome to the bank. What can I do for you today? ^{您好，欢迎光临银行。今天有什么我可以帮您的吗？}
• "What can I do for you?" "I'm looking for a new laptop." ^{“您想看点什么？”“我想买台新电脑。”}
• Good morning, sir. What can I do for you this morning? ^{早上好，先生。今天上午有什么我能为您效劳的？}

We'd like to discuss a mortgage. ^{我们想谈谈房屋抵押贷款。}

mortgage ^{抵押贷款（特指房贷）}

• We finally paid off our mortgage after twenty years. ^{二十年后，我们终于还清了房贷。}
• The bank approved our mortgage application yesterday. ^{银行昨天批准了我们的房贷申请。}
• How much is your monthly mortgage payment? ^{你每个月要还多少房贷？}

Are you buying a house or are you refinancing your present home? ^{你们是买新房，还是办理现有住房的重新贷款？}

refinance ^{重新贷款 / 资产重组}

• Is it a good time to refinance my mortgage? ^{现在是办理重新贷款的好时机吗？}
• Many homeowners refinance when interest rates drop. ^{利率下降时，很多房主会选择重新贷款。}
• The company needs to refinance its short-term debt. ^{公司需要对其短期债务进行再融资。}

As a matter of fact, my whole family banks here. ^{事实上，我们全家人都在这家银行开户办业务。}

bank (verb) ^{在银行开户 / 存款 / 办业务}

• I bank with Standard Chartered. ^{我在渣打银行开户办业务。}
• Which bank do you bank at? ^{你在哪家银行办业务？}
• Our company has banked with this local bank for decades. ^{我们公司几十年都在这家本地银行办业务。}

Neither. We live with my parents. ^{两个情况都不是。我们和父母住一起。}

neither ^{（两者中）哪个都不}

• "Do you want tea or coffee?" "Neither, thanks." ^{“你想喝茶还是咖啡？”“都不想，谢谢。”}
• Neither of my parents speaks English. ^{我父母都不说英语。}
• I like neither the red one nor the blue one. ^{红的蓝的我都无感。}

Last year's tax forms? ^{去年的纳税申报表（带来了吗）？}

tax form ^{纳税申报单 / 税单}

• Please remember to sign your tax forms before mailing them. ^{邮寄税单前记得签名。}
• I need to download the latest tax forms from the IRS website. ^{我得从税务局官网下载最新的税单。}
• Filling out tax forms can be very confusing. ^{填税单有时候挺让人头大的。}

What kind of house did you have in mind? ^{你心里想买什么样的房子？}

have in mind ^{心中打算 / 考虑到}

• Do you have any particular destination in mind for the holiday? ^{你假期间有没有什么特别想去的地方？}
• That's not exactly what I had in mind when I asked for help. ^{这跟我找你帮忙时预想的情况不太一样。}
• I have a few names in mind for the new project leader. ^{关于新项目的负责人，我心里已经有几个人选了。}

Are you prepared to make a ten-percent down payment? ^{你们准备好支付10%的首付款了吗？}

down payment ^{（购房等大宗交易的）首付款}

• We need to save at least $50,000 for the down payment. ^{我们至少得攒够五万美金来付首付。}
• How much down payment do I have to make for this car? ^{买这辆车我得交多少首付？}
• They put a 20% down payment on their first apartment. ^{他们买第一套公寓时交了20%的首付。}

Do you think we can get a loan? ^{你觉得我们能批下贷款吗？}

get a loan ^{贷款 / 借款}

• It’s becoming harder to get a loan from the bank these days. ^{最近从银行贷款变得越来越难了。}
• She got a student loan to pay for her college tuition. ^{她申请了助学贷款来付大学学费。}
• We might need to get a loan to renovate the kitchen. ^{我们可能需要贷款来装修厨房。}

Then you don't have any collateral. ^{那么你们就没有任何抵押物了。}

collateral ^{抵押物 / 担保品}

• The house was used as collateral for the business loan. ^{那栋房子被用作商业贷款的抵押物。}
• You can't get this type of loan without providing collateral. ^{如果不提供抵押物，你办不下这种贷款。}
• The bank will seize the collateral if you default on the payments. ^{如果你违约不还款，银行会没收抵押物。}

Perhaps you could get a guarantor--someone to sign for the loan for you. ^{或许你们可以找个担保人——一个能替你们在贷款合同上签字的人。}

guarantor ^{担保人 / 保证人}

• My father agreed to act as a guarantor for my apartment lease. ^{我父亲同意做我公寓租约的担保人。}
• The bank requires a guarantor since you are a freelancer. ^{因为你是自由职业者，银行要求提供一名担保人。}
• Being a guarantor is a huge responsibility. ^{做担保人是一项巨大的责任。}

The bank needs to be sure you can pay the mortgage every month. ^{银行得确保你们每个月都能还得起房贷。}

be sure ^{确保 / 确定}

• Please be sure to lock the door before you leave. ^{出门前请务必记得锁门。}
• I want to be sure that we are on the right track. ^{我想确定咱们现在的方向是对的。}
• Are you absolutely sure about your decision? ^{你对你的决定百分之百确定吗？}

We'll read this over carefully. ^{我们会仔细把这些（资料）看一遍的。}

read over ^{从头到尾仔细阅读 / 审阅}

• You should read over the contract before you sign it. ^{签字之前你应该仔细把合同看一遍。}
• I'll read over your essay and give you some feedback. ^{我会把你的作文读一遍，然后给你点反馈意见。}
• I need to read over my notes before the exam. ^{考试前我得把笔记仔细过一遍。}

We can get a loan if we can put up some collateral. ^{如果我们能提供一些抵押物，就能拿到贷款。}

put up collateral ^{提供抵押物 / 拿出担保品}

• You usually have to put up your house as collateral for a big loan. ^{办理大额贷款时，你通常得把房子拿出来做抵押。}
• They put up their savings as collateral to start the new business. ^{他们拿出积蓄作为担保来开创新事业。}
• The bank won't lend you money if you have nothing to put up. ^{如果你拿不出任何东西抵押，银行是不会借钱给你的。}

I want to be able to handle it alone. ^{我想有能力独自应付这件事。}

handle it alone ^{独自处理 / 独立应付}

• It’s a big project, but I think I can handle it alone. ^{虽然是个大项目，但我觉得我能一个人搞定。}
• You don't have to handle all these problems alone. ^{你没必要独自承担所有这些问题。}
• She prefers to handle her finances alone without any help. ^{她喜欢独自打理自己的财务，不需要任何帮助。}

I'll have an advance on my book. ^{我会拿到一笔书稿的预付款。}

advance ^{预付款 / 预支款}

• The publisher offered her a $10,000 advance on her next novel. ^{出版社为她的下一部小说提供了一万美元的预付款。}
• Can I get an advance on my salary this month? ^{我这月能预支点工资吗？}
• He used his advance to buy new photography equipment. ^{他用预付款买了新的摄影器材。}

I'll be able to put more money down. ^{我就能多付点首付款了。}

put [money] down ^{支付（首付或定金）}

• How much do we need to put down to secure the house? ^{为了定下这房子，我们得交多少首付？}
• I put $500 down on the new car yesterday. ^{我昨天给新车交了500美元定金。}
• The more you put down, the lower your monthly payments will be. ^{首付交得越多，每月的还款额就越低。}

We're in no great rush. ^{我们并不急于一时。}

be in no rush ^{不急 / 慢慢来}

• Take your time; I'm in no rush to leave. ^{慢慢来，我不急着走。}
• There's no great rush to finish the report; it's not due until Friday. ^{不急着写完报告，周五才交呢。}
• We're in no rush to get married; we're happy as we are. ^{我们不急着结婚，现在这样挺好的。}

You know we'll be there for you. ^{你知道我们会支持你（在你身边）的。}

be there for someone ^{支持某人 / 随叫随到 / 陪伴在某人身边}

• Best friends are always there for each other. ^{最好的朋友总是互相扶持的。}
• Thanks for being there for me during the breakup. ^{谢谢你在我失恋那阵子一直陪着我。}
• No matter what happens, your family will always be there for you. ^{无论发生什么，家人永远是你坚强的后盾。}