房地产按揭英语对话

ENGLISH TALK ABOUT BANK MORTGAGE LOAN

陈先生想申请银行按揭。在物业代理王先生的推荐上，他来到银行咨询按揭手续。

A--Agent Mr. Wang 物业代理王先生
B--Buyer Mr. Chen 买家陈先生
C--Bank Loan Officer 银行职员

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A: Good morning.  Let me introduce you to Mr. Chen.

 He would like to ask you details about mortgage loans.

早上好！让我介绍一下，这是陈先生。他想咨询有关银行按揭的详细内容。

C: Good morning,  Mr. Chen.  I've known Mr. Wang for many years.

 He is a very helpful agent.

早上好，陈先生。我认识王先生很多年了。他是一个热心的物业代理。

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。王先生给了我们很多建议，帮我们买到价钱这么合理的房子。

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，陈先生最近在太古城买了套房子。我建议他们到你们的银行

申请按揭。

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

on your property.

谢谢。首先请给我介绍一下你买的房子。

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，这是临时买卖合约。成交价是四百二十万港币。他希望

申请七成银行按揭。

B: I would like to know the different kinds of home investment

 plans your bank offers.

我希望知道有多少种银行按揭方法可也选择。

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，陈先生。本银行可以向任何月收入超过七万块的客户提供

八厘二五的最优惠按揭利率。

B: I'm afraid I'm not eligible for this plan.  Here is my salary

tax form from 2004 to 2005.

恐怕我不合乎这个条款。这是我零四到零五年的税单。

C: Do you have any other bank mortgage loans?

你有没有其他银行按揭贷款?

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

paid up.

我没有任何贷款，我现在住的房子已经供完了。

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

for you.

我明白了。请给我十分钟来计算利率。

(After 10 minutes.)
（十分钟后。）

C: Mr. Chen,  our bank will offer you a 10.25% interest  rate.

Attached is a repayment table for your reference.

陈先生，银行会为你提供十厘二五的按揭利率。这是一份按揭还款表，

供您参考。

B: Thank you.  How long do you need for approval of my loan?

谢谢，需要多长时间批准我的按揭申请呢?

C: Usually it takes two days to approve your application

and then we will issue a Conditional Letter of Offer and notify

your solicitor to prepare the mortgage document in about two weeks.

通常需要两天的时间核实申请，然后在两周内我们会发出一份附带条件

的按揭批准通知书给你，并通知你的律师准备按揭按材料。

B: Thank you for your time.  I have to discuss this with my wife,

and then bring the relevant document to you.  Thank you,  Mr. Wang.

 I will get back to you.

谢谢你的帮忙。我必须与太太商量一下，然后我会带有关资料给你。

谢谢你王先生，我会跟你联络的。

A: Thank you,  Mr. Chen and thank you. Sam.

谢谢你，陈先生。谢谢你山姆。

C: You're welcome.

不客气。