買了房子后，陳先生想申請銀行按揭。在物業(yè)代理王先生的推薦上，他來到銀行咨詢按揭手續(xù)。
A--Agent Mr. Wang 物業(yè)代理王先生
B--Buyer Mr. Chen 買家陳先生
C--Bank Loan Officer 銀行職員
A: Good morning. Let me introduce you to Mr. Chen. He would like to ask you details about mortgage loans.
早上好！讓我介紹一下，這是陳先生。他想咨詢有關銀行按揭的詳細內容。
C: Good morning, Mr. Chen. I've known Mr. Wang for many years. He is a very helpful agent.
早上好，陳先生。我認識王先生很多年了。他是一個熱心的物業(yè)代理。
B: Yes, he is. Mr. Wang has given some good advice that has helped us buy this apartment at such a reasonable price.
是的。王先生給了我們很多建議，幫我們買到價錢這么合理的房子。
A: Sam, Mr. Chen has recently bought a flat in Tai Koo Shing. I recommended that they apply for a mortgage loan at your bank..
山姆，陳先生最近在太古城買了套房子。我建議他們到你們的銀行申請按揭。
C: Thank you. We can start by you giving me the information on your property.
謝謝。首先請給我介紹一下你買的房子。
A: Sam, this is the Preliminary Sale and Purchase Agreement. The selling price of the flat is four point two million HK dollars. He would like to apply for a mortgage loan representing 70% of the purchase price.
山姆，這是臨時買賣合約。成交價是四百二十萬港幣。他希望申請七成銀行按揭。
B: I would like to know the different kinds of home investment plans your bank offers.
我希望知道有多少種銀行按揭方法可也選擇。
C: Sure, Mr. Chen. Our bank's minimum mortgage rate is 8.25% to any applicant with a monthly income of over seventy thousand dollars.
好的，陳先生。本銀行可以向任何月收入超過七萬塊的客戶提供八厘二五的最優(yōu)惠按揭利率。
B: I'm afraid I'm not eligible for this plan. Here is my salary tax form from 2004 to 2005.
恐怕我不合乎這個條款。這是我零四到零五年的稅單。
C: Do you have any other bank mortgage loans?
你有沒有其他銀行按揭貸款?
B: No, I don't. The apartment we are living in now is fully paid up.
我沒有任何貸款，我現(xiàn)在住的房子已經(jīng)供完了。
C: I see. Please give me ten minutes to calculate the interest for you.
我明白了。請給我十分鐘來計算利率。
(After 10 minutes.)
（十分鐘后。）
C: Mr. Chen, our bank will offer you a 10.25% interest rate. Attached is a repayment table for your reference.
陳先生，銀行會為你提供十厘二五的按揭利率。這是一份按揭還款表，供您參考。
B: Thank you. How long do you need for approval of my loan?
謝謝，需要多長時間批準我的按揭申請呢?
C: Usually it takes two days to approve your application and then we will issue a Conditional Letter of Offer and notify your solicitor to prepare the mortgage document in about two weeks.
通常需要兩天的時間核實申請，然后在兩周內我們會發(fā)出一份附帶條件的按揭批準通知書給你，并通知你的律師準備按揭按材料。
B: Thank you for your time. I have to discuss this with my wife, and then bring the relevant document to you. Thank you, Mr. Wang. I will get back to you.
謝謝你的幫忙。我必須與太太商量一下，然后我會帶有關資料給你。謝謝你王先生，我會跟你聯(lián)絡的。
A: Thank you, Mr. Chen and thank you. Sam.
謝謝你，陳先生。謝謝你山姆。
C: You're welcome.
不客氣。
