走遍美國(guó)完整版33-資料下載頁(yè)
2024-09-04 18:02本頁(yè)面
【導(dǎo)讀】I'mRichardStewart,andthisismywife,Marilyn.我叫RichardStewart，這是我。Pleasedtomeetyou.很高興與你見(jiàn)面。Likewise,Mr.Riley.我們也一樣Riley先生。還是原有的房子重新申請(qǐng)貸款？那么，Stewart，請(qǐng)問(wèn)你的職業(yè)是什么？嗯，Stewart太太，你有工作嗎？你是否帶來(lái)儲(chǔ)蓄和薪資的相關(guān)資料？譬如去年的稅務(wù)申報(bào)表？Yes.Heretheyare.帶來(lái)了，在這兒。好的，你們打算買什么樣的房。你打算繳納10%做頭期款嗎？Yes,weare.是的，我們準(zhǔn)備如此辦。三十年分期付款嗎？嗯，這還要看情況。有股票或債券嗎？那么你們沒(méi)有任何擔(dān)保物。為什么有此必要？Sinceyoudon'thaveenoughine,由于你們的收入不夠，ifyoucan'tmakethepayments.如果你們不能還錢。仔細(xì)閱讀這些文件的。希望很快再見(jiàn)到你們。AndIdon'tthinkit'sagoodidea而且我覺(jué)得這不是個(gè)好主意。Idon'tfeelrightaboutit.我覺(jué)得這樣不對(duì)。現(xiàn)在，告訴我，你有什么問(wèn)題？
【正文】 39。re a family. 這是 Stewart家的傳統(tǒng)。我們是一家人。 They want to buy a house. But can they afford it? We39。re planning to buy a house. And we39。d like to find out about mortgage. Here39。s the application. We need some information. How old are you? I39。m 29. I39。m 30. How many years were they in school? Richard, 16. Marilyn, 14. And Mr. Stewart, what39。s your occupation? I39。m a freelance photographer. And Mrs. Stewart, are you working? Yes, I39。m a designer and I work in a boutique. Here39。s the application. We need some information. Ine. Property. Debt. What39。s their ine? How much money do they make? They make $2,000 a month. That39。s $24,000 a year. Can they afford a house? Do you own your house or do you rent? Do you own any other property? Any stocks or bonds? Can they afford a house? Since you don39。t have enough ine, and you don39。t already own any property, the bank needs to be sure you can pay the mortgage every month. They need a guarantor. A guarantor is responsible for the loan if you can39。t make the payments. I see. They can39。t afford a house. And I don39。t think its a good idea to ask Dad to sign as a guarantor. I don39。t feel right about it. They can39。t afford a house. They can39。t afford it yet.
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