银行的Riley 先生对Richard 和Marilyn 的经济情况作了进一步了解了情况。

    他认为Richard 和Marilyn 没有足够的收入来保证他们可以偿还贷款，也并
没有其它财产可以作为抵押，因此银行要求他们提供担保人后才可贷款。

    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. Are you prepared to make a ten-percent down payment？

    Richard ： Yes， we are. Mr. Riley： Payments over thirty years ？

    Richard ： Yes. Marilyn ： Do you think we can get a loan ？

    Mr Riley： Well ， it depends. Do you own any other property？ 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 over carefully. Mr.
Riley ： Thank you. Richard ： Good-bye. Thanks. Mr. Riley： Good-bye.
And hope to see you soon. Richard ： I hope so， too. Mr. Riley ： Take
care. Marilyn ： Good －bye.

    「语言点精讲」

    1. Are you prepared to make a ten-percent down payment？

    你愿意付百分之十的头期款吗？

    down payment：（分期付款中的）头期款。

    2. Payments over thirty years ？

    余款分30年付清？

    over（thirty years）：（30年）期。这里的 over 是“……之久，在……

    的期间“的意思，而不是指”超出……“。

    3. Well ， it depends. Do you own any other property？ Any stocks
or bonds？

    嗯，还要分是什么情况。你们拥有不动产吗？有股票或是债券吗？

    It depends. ：要视情况而定。看情况，不一定。

    property：财产，多指土地、房产等不动产。stock ：股票。bond：债券。

    4. Then you don't have any collateral.那么就是说你们提不出任何担保
物。

    collateral：抵押物，担保物。

    5. A guarantor is responsible for the loan if you can't make the payments.
如果你不能按月偿还，保证人就要对贷款负责。

    guarantor ：担保人。

    be responsible for sth. ：为某事负责，对某事负责。

    make the payments ：偿还（贷款）。

    6. We'll read this over carefully.我们要仔细地读一读这份材料。

    read（this） over ：详读，仔细阅读。

    7. Take care. 保重。相当于“Take care of yourself.”这是告别时常讲
的话。