ACT 3-1 “ 我能为你们做些什么？”
【故事梗概】
Marilyn 和 Richard正在银行里。银行的贷款负责人Ralph Riley先生在询问他们现在的住房情况、职业及收入情况。 Mr. Riley: How do you do? Richard: Hello.
Mr. Riley: I'm Ralph Riley.
Richard: I'm Richard Stewart, and this is my wife, Marilyn. Mr. Riley: Pleased to meet you. Marilyn: Likewise, Mr. Riley.
Mr. Riley: Please, sit down. What can I do for you? Richard: We'd like to discuss a mortgage. Marilyn: For a house.
Mr. Riley: Fine. Are you buying a house or are you refinancing your present home?
Richard: We're planning to buy a house.
Marilyn: And we'd like to find out about a mortgage.
Richard: We are customers of the bank. As a matter of fact, my whole family banks here.
Mr. Riley: I have some questions to ask. Do you own your house or do you rent? Richard: Neither. We live with my parents, Dr. and Mrs. Philip Stewart. Mr. Riley: And how old are you? Marilyn: I'm twenty-nine. Richard: I'm thirty.
Mr. Riley: And, Mr. Stewart, what is your occupation? Richard: I'm a freelance photographer.
Mr. Riley: And, Mrs. Stewart, are you working? Marilyn: Yes. I'm a designer, and I work in a boutique.
Mr. Riley: Did you bring any savings or salary information? Last year's tax forms? Richard: Yes. Here they are.
【语言点精讲】
1. Likewise, Mr. Riley.
我也很高兴见到你，Riley先生。这是对于“Pleased to meet you.”的一种回答方式。 likewise也可以说 the same here，两者都是非正式的说法。 2. What can I do for you?
我能为你们做些什么？这是营业人员或服务员接待顾客时常用的套语。
3. Are you buying a house or are you refinancing your present home? 你们是想新购住房，还是要再次申请新的贷款？
Are you buying… or are you refinancing…: 这里使用现在进行时，是表示当时当地的行为，“你们此次光临是为了……还是为了……？”
refinancing: 重新按揭，重新安排按揭，把旧贷款还清后重新申请（买房）贷款。 4. As a matter of fact, my whole family banks here. 事实上，我们全家都是同这家银行来往的。 as a matter of fact: 事实上，实际上。 bank: 这里用作动词，指“存款于银行”。 5. I'm a freelance photographer. 我是自由摄影师。
freelance: （从事）自由职业（的人。Richard 不为某家公司工作，他把他的摄影作品卖给不同公司。
6. Did you bring any savings or salary information? Last year's tax forms?
你们有没有带来储蓄或工资方面的材料？比如说去年的纳税申报表？
tax form: 纳税申报表。在美国，个人所得税的多少依每人的年收入而定。每年在4月15日前，人们必须填好 tax form交到国家税务局。
ACT 3-2 “要视情况而定。 ”
【故事梗概】
银行的Riley先生对Richard和Marilyn的经济情况作了进一步了解了情况。他认为Richard和Marilyn没有足够的收入来保证他们可以偿还贷款，也并没有其它财产可以作为抵押，因此银行要求他们提供担保人后才可贷款。
Mr.Riley: OK. What… what kind of house did you have in mind?
Richard: We're talking about buying a two-bedroom house in Mount Kisco. Here are the financial details on the house.
Mr. Riley: Thank you. Are you prepared to make a ten-percent down payment? Richard: Yes, we are.
Mr. Riley: Payments over thirty years? Richard: Yes.
Marilyn: Do you think we can get a loan?
Mr Riley: Well, it depends. Do you own any other property? Any stocks or bonds? Richard: No.
Mr. Riley: I see. Then you don't have any collateral. Perhaps you could get a guarantor -- some one to sign for the loan for you. Richard: Why is that necessary?
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. Richard: I see. Well, the idea of buying a house is exciting. Marilyn: Thank you, Mr. Riley. We'll read this over carefully. Mr. Riley: Thank you. Richard: Good-bye. Thanks.
Mr. Riley: Good-bye. And hope to see you soon. Richard: I hope so, too. Mr. Riley: Take care. Marilyn: Good－bye. 【语言点精讲】
1. Are you prepared to make a ten-percent down payment? 你愿意付百分之十的头期款吗？
down payment: （分期付款中的）头期款。 2. Payments over thirty years? 余款分30年付清？
over (thirty years): （30年）期。这里的 over是“……之久，在……的期间”的意思，而不是指“超出……”。
3. Well, it depends. Do you own any other property? Any stocks or bonds?
嗯，还要分是什么情况。你们拥有不动产吗？有股票或是债券吗？ It depends.: 要视情况而定。看情况，不一定。
property: 财产，多指土地、房产等不动产。stock: 股票。bond: 债券。 4. Then you don't have any collateral. 那么就是说你们提不出任何担保物。 collateral: 抵押物，担保物。
5. A guarantor is responsible for the loan if you can't make the payments.
如果你不能按月偿还，保证人就要对贷款负责。 guarantor: 担保人。
be responsible for sth.: 为某事负责，对某事负责。 make the payments: 偿还（贷款）。 6. We'll read this over carefully. 我们要仔细地读一读这份材料。 read (this) over: 详读,仔细阅读。 7. Take care.
保重。相当于“Take care of yourself.” 这是告别时常讲的话。
ACT 3-3 “ 我想要自己来解决这件事。”
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