A Place of Our Own 自己的住房ACT III教师讲解版视频
In a bank in Riverdale. Marilyn and Richard are speaking with a loan officer about borrowing money to buy a house.
Mr. Riley:How do you do?
Richard: Hello.
Mr. Riley:I'm Ralph Riley. [He shakes Richard's hand.]
Richard:I'm Richard Stewart, and this is my wife, Marilyn.
Mr. Riley:Pleased to meet you.
Marilyn:[She shakes his hand.] 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 refinancing3 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. [He writes on a form.] 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 forms6?
Richard:Yes. Here they are.
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. [He reads the details.] Are you prepared to make a ten-percent down payment?
Richard: Yes, we are.
Mr. Riley:Payments over thirty years?
[Marilyn and Richard nod their heads.]
Richard:Yes.
Marilyn:Do you think we can get a loan?
Mr Riley:Well, it depends. Do you own any other property9? 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 over16 carefully.
Mr. Riley:Thank you.
Richard:Good-bye. Thanks.
Mr. Riley:Good-bye. And hope to see you soon.
Richard:I hope so, too.
[They all shake hands.]
Mr. Riley:Take care.
Marilyn:Good-bye.
Later, on the patio of the Stewarts' home. Richard and Marilyn are speaking about their experience at the bank.
Richard:It all sounded so easy until they mentioned needing collateral or a guarantor.
Marilyn:We have no collateral.
Richard:And I don't think it's a good idea to ask Dad to sign as a guarantor. I don't feel right about it.
Marilyn:I understand your feelings about it, Richard.
Ellen:[She comes out to the patio with a tray of food.] Now, tell me, what's the problem?
Marilyn:We can get a loan from the bank if we can put up some collateral.
Richard:And we don't own anything to use as collateral.
Marilyn:Or someone can sign with us as a guarantor.
Ellen:Why don't you speak to Dad?
Richard:No. If we buy a house, I want to be able to handle it alone.
Ellen:Everybody needs help sometimes, Richard.
Marilyn:I understand Richard's feelings about it, Ellen.
Richard:In two or three months, I'll have an advance on my book and be able to put more money down.
Marilyn:What about the house in Mount Kisco? Somebody else'll buy it by then.
Richard:Then there'll be other houses, Marilyn.
Ellen:Richard has a point. You're just beginning to look.
Marilyn:We're in no great rush. It's true.
Richard:This has been a great learning experience for us, Marilyn. Talking to the real-estate agent. Looking at the houses. Talking to the loan officer at the bank.
Marilyn:It has been a learning experience. That's true.
Ellen:I think you're doing the right thing. Taking your time. Looking around. Especially with a purchase of this kind. You're talking about a lot of money.
Marilyn:We'll call Mrs. Martinelli and tell her to keep looking for us.
Richard:And I'll call Mr. Riley at the bank and tell him we'll see him in a couple of months.
Ellen:And if you ever need Dad or me to help you …
Marilyn:We know.
Ellen:You know we'll be there for you.
Richard:It's a Stewart tradition. We're a family.