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Kiko:Figuring out how to fill out this mortgage loan application is like trying to read a foreign language.
奇科:填写这张抵押贷款申请表就像读外语一样。
I don't know what all these terms mean.
我搞不懂这些术语的意思。
Rafael:Let's see if we can figure it out together.
拉斐尔:我们俩人看看是否可以弄明白。
I think we want a fixed-rate mortgage, not an adjustable-rate mortgage.
我认为我们需要填固定利率抵押,而不是可调利率抵押。
We want to lock in a good annual percentage rate and not worry about the rate going up.
我们想要定好年度百分率,那样就不用担心利率上升。
Kiko:All right, I think that's what we want.
奇科:好的,我认为这是我们所想的。
We want the principal and interest payments to be predictable.
我们希望本金和利息支付在可预测范围内。
Rafael:That's right.
拉斐尔:没错。
Kiko:And what are points?
奇科:这些点是什么?
Rafael:I think that has to do with fees for getting the loan.
拉斐尔:我觉得跟获得贷款的费用有关。
Kiko:It looks like we have to get an appraisal of the house we want to buy.
奇科:看起来我们必须对我们想买的房子进行评估。
Rafael:Yes, that's standard,I think.
拉斐尔:是的, 我想这是标准。
Kiko:Do we have to pay for private mortgage insurance?
奇科:我们必须支付私人按揭保险吗?
Rafael:Not if we have a down payment of more than 20% of the price of the house.
拉斐尔:除非我们要付20%的首付房款。
Kiko:Okay, so we don't need to worry about that expense, but what about all these others?
奇科:好吧,所以我们不需要担心费用,但其他呢?
Rafael:Like what?
拉斐尔:比如什么?
Kiko:Like homeowners insurance and title insurance?
奇科:就像住宅业主保险和产权保险?
Rafael:I'm not sure.
拉斐尔:我不确定。
Kiko:And what are balloon payments and prepayment penalties?
奇科:大额尾款支付和提前偿付罚金是什么?
Rafael:You got me.
拉斐尔:你问住我了。
Kiko:And what's included in the closing costs?
奇科:借款手续费包括什么?
Rafael:I'm really out of my depth here.
拉斐尔:我真的一窍不通。
Kiko:Me, too. What should we do now?
奇科:我也是。现在我们应该做什么?
Rafael:Continue to rent?
拉斐尔:接着租房子吗?
