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fixed-rate mortgage 固定利率抵押
private mortgage insurance 抵押权保险
pay for 支付
down payment 定金；首付；首期付款
out of my depth 非我力所能及
n. 估计，评估
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- Figuring out how to fill out this mortgage loan application is like trying to read a foreign language.
- 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。
- Let's see if we can figure it out together.
- 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。
- All right, I think that's what we want.
- 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。
- That's right.
- 没错。
- And what are points?
- 这些点是什么?
- I think that has to do with fees for getting the loan.
- 我觉得跟获得贷款的费用有关。
- It looks like we have to get an appraisal of the house we want to buy.
- 看起来我们必须对我们想买的房子进行评估。
- Yes, that's standard,I think.
- 是的, 我想这是标准。
- Do we have to pay for private mortgage insurance?
- 我们必须支付私人按揭保险吗?
- Not if we have a down payment of more than 20% of the price of the house.
- 除非我们要付20%的首付房款。
- Okay, so we don't need to worry about that expense, but what about all these others?
- 好吧,所以我们不需要担心费用,但其他呢?
- Like what?
- 比如什么?
- Like homeowners insurance and title insurance?
- 就像住宅业主保险和产权保险?
- I'm not sure.
- 我不确定。
- And what are balloon payments and prepayment penalties?
- 大额尾款支付和提前偿付罚金是什么?
- You got me.
- 你问住我了。
- And what's included in the closing costs?
- 借款手续费包括什么?
- I'm really out of my depth here.
- 我真的一窍不通。
- Me, too. What should we do now?
- 我也是。现在我们应该做什么?
- Continue to rent?
- 接着租房子吗?
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