[ In a bank in Riverdale. Marilyn and Richard are speaking with a loan officer about borrowing money to buy a house. ]
Mr. Riley: How do you do?
你好。
Richard: Hello.
你好。
Mr. Riley: I'm Ralph Riley. [ He shakes Richard's hand. ]
我叫拉尔夫·赖利。
Richard: I'm Richard Stewart, and this is my wife, Marilyn.
我是理查德·斯图尔特，这是我妻子玛丽琳。
Mr. Riley: Pleased to meet you.
很高兴认识你们。
Marilyn: [ She shakes his hand. ] Likewise, Mr. Riley.
我也很高兴认识你，赖利先生。
Mr. Riley: Please, sit down. What can I do for you?
请坐。我能帮你们什么？
Richard: We'd like to discuss a mortgage.
我们想咨询一下房屋贷款的事。
Marilyn: For a house.
是买房用的。
Mr. Riley: Fine. Are you buying a house or are you refinancing your present home?
好的。你们是准备买房，还是给现在的房子办理再融资？
Richard: We're planning to buy a house.
我们打算买一栋房子。
Marilyn: And we'd like to find out about a mortgage.
所以想了解一下贷款的情况。
Richard: We are customers of the bank. As a matter of fact, my whole family banks here.
我们是这家银行的客户。事实上，我们全家都在这里办业务。
Mr. Riley: I have some questions to ask. [ He writes on a form. ] Do you own your house or do you rent?
我有几个问题想问一下。你们现在的房子是自己的还是租的？
Richard: Neither. We live with my parents, Dr. and Mrs. Philip Stewart.
都不是。我们和我父母一起住，我父亲是菲利普·斯图尔特医生。
Mr. Riley: And how old are you?
你们今年多大了？
Marilyn: I'm twenty-nine.
我二十九岁。
Richard: I'm thirty.
我三十岁。
Mr. Riley: And, Mr. Stewart, what is your occupation?
那么，斯图尔特先生，你是做什么工作的？
Richard: I'm a freelance photographer.
我是自由摄影师。
Mr. Riley: And, Mrs. Stewart, are you working?
斯图尔特太太，你目前有工作吗？
Marilyn: Yes. I'm a designer, and I work in a boutique.
有。我是一名设计师，在一家精品服装店工作。
Mr. Riley: Did you bring any savings or salary information? Last year's tax forms?
你们带储蓄证明、收入资料或者去年的纳税申报单了吗？
Richard: Yes. Here they are.
带了，在这儿。
Mr. Riley: OK. What ... what kind of house did you have in mind?
好的。那……你们想买什么样的房子？
Richard: We're talking about buying a two-bedroom house in Mount Kisco. Here are the financial details on the house.
我们在考虑买一栋位于芒特基斯科的两居室房子。这是那栋房子的相关财务资料。
Mr. Riley: Thank you. [ He reads the details. ] Are you prepared to make a ten-percent down payment?
谢谢。你们准备付百分之十的首付吗？
Richard: Yes, we are.
是的。
Mr. Riley: Payments over thirty years?
贷款分三十年偿还？
[ Marilyn and Richard nod their heads. ]
Richard: Yes.
对。
Richard: Do you think we can get a loan?
你觉得我们能贷到款吗？
Mr. Riley: Well, it depends. Do you own any other property? Any stocks or bonds?
这个得看情况。你们还有其他房产吗？或者股票、债券之类的资产？
Richard: No.
没有。
Mr. Riley: I see. Then you don't have any collateral. Perhaps you could get a guarantor--someone to sign for the loan for you.
我明白了。这么说，你们目前提供不了任何抵押担保。也许你们可以找个担保人——让别人帮你们担保贷款。
Richard: Why is that necessary?
为什么一定需要担保人呢？
Mr. Riley: Since you don't have enough income, and you don't already own any property, the bank needs to be sure you can pay the mortgage every month. A guarantor is responsible for the loan if you can't make the payments.
因为你们目前收入不算高，而且也没有其他资产，所以银行需要确认你们有能力按月偿还贷款。如果你们无法还款，担保人就需要承担责任。
Richard: I see. Well, the idea of buying a house is exciting.
我明白了。不过，一想到能买房子，还是挺让人兴奋的。
Marilyn: Thank you, Mr. Riley. We'll read this over carefully.
谢谢你，赖利先生。我们会仔细看看这些资料的。
Mr. Riley: Thank you.
不客气。
Richard: Good-bye. Thanks.
再见，谢谢你。
Mr. Riley: Good-bye. And hope to see you soon.
再见。希望很快还能见到你们。
Richard: I hope so, too.
我也希望如此。
[ They all shake hands. ]
Mr. Riley: Take care.
慢走。
Marilyn: Good-bye.
再见。
[ Later, on the patio of the Stewarts' home. Richard and Marilyn are speaking about their experience at the bank. ]
Richard: It all sounded so easy until they mentioned needing collateral or a guarantor.
在他们提到需要抵押资产或者担保人之前，一切听起来都挺简单的。
Marilyn: We have no collateral.
我们根本没有抵押资产。
Richard: And I don't think it's a good idea to ask Dad to sign as a guarantor. I don't feel right about it.
而且我觉得让爸爸当担保人也不太妥当，心里过意不去。
Marilyn: I understand your feelings about it, Richard.
我理解你的感受，理查德。
Ellen: [ She comes out to the patio with a tray of drinks and food. ] Now, tell me, what's the problem?
来，告诉我，到底出什么问题了？
Marilyn: We can get a loan from the bank if we can put up some collateral.
如果我们能提供抵押资产，银行就愿意贷款给我们。
Richard: And we don't own anything to use as collateral.
可我们没有任何能拿来抵押的东西。
Marilyn: Or someone can sign with us as a guarantor.
或者找个人给我们做担保。
Ellen: Why don't you speak to Dad?
那你们为什么不跟爸爸商量一下？
Richard: No. If we buy a house, I want to be able to handle it alone.
不。如果我们要买房，我希望靠自己解决。
Ellen: Everybody needs help sometimes, Richard.
理查德，每个人都会有需要别人帮忙的时候。
Marilyn: I understand Richard's feelings about it, Ellen.
我能理解理查德的想法，埃伦。
Richard: In two or three months, I'll have an advance on my book and be able to put more money down.
再过两三个月，我那本书的稿酬预付就会到账，到时候就能多付一点首付了。
Marilyn: What about the house in Mount Kisco? Somebody else'll buy it by then.
那芒特基斯科那栋房子怎么办？到时候可能早就被别人买走了。
Richard: Then there'll be other houses, Marilyn.
那还会有别的房子，玛丽琳。
Ellen: Richard has a point. You're just beginning to look.
理查德说得也有道理。你们才刚开始看房子。
Marilyn: We're in no great rush. It's true.
我们确实也不是特别着急。
Richard: This has been a great learning experience for us, Marilyn. Talking to the real-estate agent. Looking at the houses. Talking to the loan officer at the bank.
这对我们来说也是一次很好的学习经历，玛丽琳。跟房产经纪人聊、看房子、再和银行贷款专员谈这些事。
Marilyn: It has been a learning experience. That's true.
确实学到了不少东西。
Ellen: I think you're doing the right thing. Taking your time. Looking around. Especially with a purchase of this kind. You're talking about a lot of money.
我觉得你们现在这样做是对的。慢慢来，多看看。尤其是买房这种事，毕竟牵涉到一大笔钱。
Marilyn: We'll call Mrs. Martinelli and tell her to keep looking for us.
我们会给马蒂内利太太打电话，请她继续帮我们留意房子。
Richard: And I'll call Mr. Riley at the bank and tell him we'll see him in a couple of months.
我也会给银行的赖利先生打电话，告诉他我们过几个月再联系。
Ellen: And if you ever need Dad or me to help you ...
如果你们什么时候需要我和爸爸帮忙的话…
Marilyn: We know.
我们知道。
Ellen: You know we'll be there for you.
你们知道，我们一定会支持你们的。
Richard: It's a Stewart tradition. We're a family.
这是斯图尔特家的传统——互相支持，因为我们是一家人。
