income 收入
To get the house of your dreams you need to have a big yearly income.
想要有梦想中的房子，首先你得要有可观的年收入。

loan 贷款
ask for a loan 借款
I went to the bank today and I asked for a loan, and they said it is impossible for me to get one because of my income.
我去银行想要贷款，但由于收入太低，而导致无法贷款。

mortgage 按揭
I can't just quit my job. I have a family, a mortgage and bills to pay.
我不能辞职。我得养家、还房贷，还得付各种账单。

down-payment 首付
Your house would cost $10,000 and the dealer would ask you to pay $2,000 as the down-payment!
你的房子需要1万美元，这个经销商会要求2000美元作为首付。
That is a very serious problem if you have a terrible credit score.
如果你的信用卡记录不好，这是一个很严重的问题。
The bank must assess your personal information, past loans, assets and any other relevant information, such as your credit scores in order to approve your loan.
为了贷款，这个银行必须评估你的个人信息，过去的贷款记录，资产，还有一些相关信息，还有你的信用记录。