經(jīng)典對(duì)話 (A=Gang B=Greg C=Marie)
A:Hey, Greg, how much is your house worth?
A：嘿，格雷，你家房子值多少錢(qián)？
B:Well, the estate agent valued it at ￡ 250,000.
B：噢，房屋中介估算大概值25萬(wàn)英鎊。
A:Is that a lot一I mean, in comparison to the market?
A：這算很貴嗎？我是說(shuō)跟市場(chǎng)價(jià)格比較而言？
C:I think it's an outrageous amount, actually. I mean, look at it's only a two-up-two-down! It only cost us ￡ 63,000 when we bought it back in 1997. Hcxjse prices have spiraled since then, though. I think we were lucky to get it when we did. I feel really sorry for young couples these days—they just can't get a foot on the housing ladder.
C：事實(shí)上，我覺(jué)得這是天價(jià)。你看，我家只有樓上樓下各兩間房。1997年我們買(mǎi)它的時(shí)候只花了63000鎊。房?jī)r(jià)從那時(shí)起就節(jié)節(jié)高升，我想我們很幸運(yùn)當(dāng)時(shí)買(mǎi)了它。我覺(jué)得現(xiàn)在的年輕夫婦很可憐，他們是買(mǎi)不起房的。
B:I know. It's awful. The point is that so much foreign capital has flooded into the country because there are so few restrictions, and anyone with the money can buy property here—there are no rules on residency or nationality—so you get all these foreign speculators buying up property and pushing up the prices.
B：我知道，真的很糟糕。關(guān)鍵是英國(guó)對(duì)外國(guó)資金的限制很少，所以很多外國(guó)資金流入英國(guó)，任何人只要有錢(qián)就可以在英國(guó)買(mǎi)房地產(chǎn)。很多外國(guó)投機(jī)商都到英國(guó)炒作房地產(chǎn)，把房?jī)r(jià)炒得很高，因?yàn)橛?guó)對(duì)購(gòu)房者的居民身份和國(guó)籍都沒(méi)有要求。
C:Yeah. And young people here are priced out of the market.
C：對(duì)啊。所以英國(guó)的年輕人因?yàn)榉績(jī)r(jià)太高而被擠出房屋市場(chǎng)。
A:Well I certainly couldn't afford a house here. I'd have to club together with some friends to buy one.
A：噢，我絕對(duì)負(fù)擔(dān)不起。我得跟朋友們集資，才能在這里買(mǎi)得起房屋。
B:Well, you could do that. In fact,that's what lost of young professionals do they'll get together,buy a house and have their own rooms and share the kitchen and bathroom. Then, when they want to leave the others buy them out.
B：對(duì)啊，你可以這樣做。事實(shí)上，這里有很多年輕的上班族集資合買(mǎi)房屋。他們有自已的房間，然后跟其他人共用廚房和浴室。如果有人想退出，其他人會(huì)把他的股份買(mǎi)下。
A:So, how do you go about buying a house, then?
A：那要如何才能買(mǎi)到房子呢？
C:Gosh. It is so stressful, buying a house. They say that It's the next most stressful thing to a divorce. You have to spend ages searching websites and estate agents' windows. Estate agents have a really bad reputation here一they're just cowboys.
C：天啊，買(mǎi)房壓力真的很大。大家都說(shuō)買(mǎi)房的壓力僅次于離婚。你得花很多時(shí)間在網(wǎng)絡(luò)上及房地產(chǎn)中介商處搜尋好的目標(biāo)。在英國(guó)房地產(chǎn)中介商可算是聲名狼籍，他們就像一群牛仔。
B:Yeah. It's quite hard, actually,and a lot of the stages overlap, put first you need to decide where you want to buy property, taking into accxxint what you can afford, local amenities and so on. You need to save up a deposit, like 5% of the value of the property. You can go direct to a building society or use a mortgage broker. Ycxi have to fill in a very detailed mortgage applicaton, stating your occupation and your salary and your savings and debts. The bank carries out a credit check to assess you as a risk and to see whether you are creditworthy or not and, after you've shown bank statements and pay slips to show that you have a secure income they'll give you a decision in principle'.
B：對(duì)啊，買(mǎi)房的確很累，有很多重復(fù)步驟。首先你得要決定買(mǎi)在哪里，同時(shí)得考慮你付得起多少錢(qián)，還有周?chē)纳钤O(shè)施等等。你還得存一筆錢(qián)當(dāng)保證金，一般是房?jī)r(jià)的5%。你可以直接去房屋抵押貸款協(xié)會(huì)或其它抵押中介去抵押，先要很詳細(xì)地填寫(xiě)抵押申請(qǐng)書(shū)，注明職業(yè)、收入、存款及債務(wù)。銀行會(huì)做信用調(diào)查，評(píng)估你的信貨風(fēng)險(xiǎn)，了解你的信用狀況。在確認(rèn)過(guò)你的銀行對(duì)賬單及薪水單，證明你有固定收入后，他們會(huì)核發(fā)“原則同意抵押”的決定。
A:Why, "in principle"？
A：為什么是“原則同意”呢？
C: Because once you have found a property you want, you make an offer and, if the vendor agrees on the price, you ask him to take it off the market. Thats when you go back to the mortgage lender and tell them which property you want to buy. The lender can always pull out if they think it's too risky.
C：一旦你找到理想的房子，你的報(bào)價(jià)被賣(mài)方接受時(shí)，你會(huì)要求賣(mài)方將房屋從銷(xiāo)售市場(chǎng)上收回，然后你把你想買(mǎi)的房屋的資料提供給貨款方。貨款方如果覺(jué)得你所選的房地產(chǎn)價(jià)值與抵押金額相較太冒險(xiǎn)時(shí)，他們隨時(shí)可以否決同意抵押的決定。
B:You also need to locate a property solicitor to carry out the conveyancing一that's the legal aspects of the process and draw up any agreements. You need to instruct the solicitor to act on your behalf, and contact the vendor's estate agent and solicitor and liaise with your mortgage lender. He will start contractual proceedings.
B：你同時(shí)還需要一位房產(chǎn)律師處理不動(dòng)產(chǎn)轉(zhuǎn)讓手續(xù)，處理所有的法律程序及草擬合同。你需要指派律師代表你行事，同時(shí)與賣(mài)方中介、律師以及你的貸款銀行保持聯(lián)系。律師會(huì)準(zhǔn)備簽約事宜。
C:Yeah,and you also have to find a surveyor and ask for a home-buyer's report or a structural survey to be carried out to check that the house is in good condition. The mortgage lender will carry out an independent valuation of the property,and you will be required to pay for a mortgage survey. Only when the mortgage lender sees the property valuation and reexamines your application will they release the money through your solicitor.
C：對(duì)了，你還要請(qǐng)一個(gè)房產(chǎn)檢視員幫你作一份買(mǎi)屋報(bào)告或房屋結(jié)構(gòu)報(bào)告，確認(rèn)房屋的狀況良好。你的貸款銀行也會(huì)作一份獨(dú)立的估價(jià)報(bào)告，并會(huì)要求你付這份報(bào)告的錢(qián)。當(dāng)銀行看到估價(jià)報(bào)告，并再次審核你的申請(qǐng)表后，才會(huì)將抵押款匯到你的律師的賬戶。
B:Haha. Then you're in debt for the next twenty years, and they can always take the house back if you don't keep up with the mortgage payments.
B：呵呵，之后的20年你就得背負(fù)房債，而且如果你付不出按揭，銀行可隨時(shí)把房屋收回。
A:Yes, but at least it means that you get the house now and, as long as you keep working, and house prices go up you'll be all right.
A：噢，可是至少你現(xiàn)在擁有了房屋，只要一直有工作而且房?jī)r(jià)一直漲，那就沒(méi)問(wèn)題了。
C:Ah! That's the whole points. Don't get sick or lose your job!
C：哈，這才是問(wèn)題所在。你絕不能生病或去掉工作！
王牌句型
1.Especially the French window, you know, is very different.
特別是這落地窗非常與眾不同。
2.Your sofa has a very special style and color.
你的沙發(fā)式樣和顏色都很特別。
3.You can arrange the living room as you like.
你可以按自己的喜好布置這個(gè)客廳。
4.How large the living room is!
這間客廳真大??！
5.Yes,about fifty square meters.
是的，大約50平方米。
A:Hey, Greg, how much is your house worth?
A：嘿，格雷，你家房子值多少錢(qián)？
B:Well, the estate agent valued it at ￡ 250,000.
B：噢，房屋中介估算大概值25萬(wàn)英鎊。
A:Is that a lot一I mean, in comparison to the market?
A：這算很貴嗎？我是說(shuō)跟市場(chǎng)價(jià)格比較而言？
C:I think it's an outrageous amount, actually. I mean, look at it's only a two-up-two-down! It only cost us ￡ 63,000 when we bought it back in 1997. Hcxjse prices have spiraled since then, though. I think we were lucky to get it when we did. I feel really sorry for young couples these days—they just can't get a foot on the housing ladder.
C：事實(shí)上，我覺(jué)得這是天價(jià)。你看，我家只有樓上樓下各兩間房。1997年我們買(mǎi)它的時(shí)候只花了63000鎊。房?jī)r(jià)從那時(shí)起就節(jié)節(jié)高升，我想我們很幸運(yùn)當(dāng)時(shí)買(mǎi)了它。我覺(jué)得現(xiàn)在的年輕夫婦很可憐，他們是買(mǎi)不起房的。
B:I know. It's awful. The point is that so much foreign capital has flooded into the country because there are so few restrictions, and anyone with the money can buy property here—there are no rules on residency or nationality—so you get all these foreign speculators buying up property and pushing up the prices.
B：我知道，真的很糟糕。關(guān)鍵是英國(guó)對(duì)外國(guó)資金的限制很少，所以很多外國(guó)資金流入英國(guó)，任何人只要有錢(qián)就可以在英國(guó)買(mǎi)房地產(chǎn)。很多外國(guó)投機(jī)商都到英國(guó)炒作房地產(chǎn)，把房?jī)r(jià)炒得很高，因?yàn)橛?guó)對(duì)購(gòu)房者的居民身份和國(guó)籍都沒(méi)有要求。
C:Yeah. And young people here are priced out of the market.
C：對(duì)啊。所以英國(guó)的年輕人因?yàn)榉績(jī)r(jià)太高而被擠出房屋市場(chǎng)。
A:Well I certainly couldn't afford a house here. I'd have to club together with some friends to buy one.
A：噢，我絕對(duì)負(fù)擔(dān)不起。我得跟朋友們集資，才能在這里買(mǎi)得起房屋。
B:Well, you could do that. In fact,that's what lost of young professionals do they'll get together,buy a house and have their own rooms and share the kitchen and bathroom. Then, when they want to leave the others buy them out.
B：對(duì)啊，你可以這樣做。事實(shí)上，這里有很多年輕的上班族集資合買(mǎi)房屋。他們有自已的房間，然后跟其他人共用廚房和浴室。如果有人想退出，其他人會(huì)把他的股份買(mǎi)下。
A:So, how do you go about buying a house, then?
A：那要如何才能買(mǎi)到房子呢？
C:Gosh. It is so stressful, buying a house. They say that It's the next most stressful thing to a divorce. You have to spend ages searching websites and estate agents' windows. Estate agents have a really bad reputation here一they're just cowboys.
C：天啊，買(mǎi)房壓力真的很大。大家都說(shuō)買(mǎi)房的壓力僅次于離婚。你得花很多時(shí)間在網(wǎng)絡(luò)上及房地產(chǎn)中介商處搜尋好的目標(biāo)。在英國(guó)房地產(chǎn)中介商可算是聲名狼籍，他們就像一群牛仔。
B:Yeah. It's quite hard, actually,and a lot of the stages overlap, put first you need to decide where you want to buy property, taking into accxxint what you can afford, local amenities and so on. You need to save up a deposit, like 5% of the value of the property. You can go direct to a building society or use a mortgage broker. Ycxi have to fill in a very detailed mortgage applicaton, stating your occupation and your salary and your savings and debts. The bank carries out a credit check to assess you as a risk and to see whether you are creditworthy or not and, after you've shown bank statements and pay slips to show that you have a secure income they'll give you a decision in principle'.
B：對(duì)啊，買(mǎi)房的確很累，有很多重復(fù)步驟。首先你得要決定買(mǎi)在哪里，同時(shí)得考慮你付得起多少錢(qián)，還有周?chē)纳钤O(shè)施等等。你還得存一筆錢(qián)當(dāng)保證金，一般是房?jī)r(jià)的5%。你可以直接去房屋抵押貸款協(xié)會(huì)或其它抵押中介去抵押，先要很詳細(xì)地填寫(xiě)抵押申請(qǐng)書(shū)，注明職業(yè)、收入、存款及債務(wù)。銀行會(huì)做信用調(diào)查，評(píng)估你的信貨風(fēng)險(xiǎn)，了解你的信用狀況。在確認(rèn)過(guò)你的銀行對(duì)賬單及薪水單，證明你有固定收入后，他們會(huì)核發(fā)“原則同意抵押”的決定。
A:Why, "in principle"？
A：為什么是“原則同意”呢？
C: Because once you have found a property you want, you make an offer and, if the vendor agrees on the price, you ask him to take it off the market. Thats when you go back to the mortgage lender and tell them which property you want to buy. The lender can always pull out if they think it's too risky.
C：一旦你找到理想的房子，你的報(bào)價(jià)被賣(mài)方接受時(shí)，你會(huì)要求賣(mài)方將房屋從銷(xiāo)售市場(chǎng)上收回，然后你把你想買(mǎi)的房屋的資料提供給貨款方。貨款方如果覺(jué)得你所選的房地產(chǎn)價(jià)值與抵押金額相較太冒險(xiǎn)時(shí)，他們隨時(shí)可以否決同意抵押的決定。
B:You also need to locate a property solicitor to carry out the conveyancing一that's the legal aspects of the process and draw up any agreements. You need to instruct the solicitor to act on your behalf, and contact the vendor's estate agent and solicitor and liaise with your mortgage lender. He will start contractual proceedings.
B：你同時(shí)還需要一位房產(chǎn)律師處理不動(dòng)產(chǎn)轉(zhuǎn)讓手續(xù)，處理所有的法律程序及草擬合同。你需要指派律師代表你行事，同時(shí)與賣(mài)方中介、律師以及你的貸款銀行保持聯(lián)系。律師會(huì)準(zhǔn)備簽約事宜。
C:Yeah,and you also have to find a surveyor and ask for a home-buyer's report or a structural survey to be carried out to check that the house is in good condition. The mortgage lender will carry out an independent valuation of the property,and you will be required to pay for a mortgage survey. Only when the mortgage lender sees the property valuation and reexamines your application will they release the money through your solicitor.
C：對(duì)了，你還要請(qǐng)一個(gè)房產(chǎn)檢視員幫你作一份買(mǎi)屋報(bào)告或房屋結(jié)構(gòu)報(bào)告，確認(rèn)房屋的狀況良好。你的貸款銀行也會(huì)作一份獨(dú)立的估價(jià)報(bào)告，并會(huì)要求你付這份報(bào)告的錢(qián)。當(dāng)銀行看到估價(jià)報(bào)告，并再次審核你的申請(qǐng)表后，才會(huì)將抵押款匯到你的律師的賬戶。
B:Haha. Then you're in debt for the next twenty years, and they can always take the house back if you don't keep up with the mortgage payments.
B：呵呵，之后的20年你就得背負(fù)房債，而且如果你付不出按揭，銀行可隨時(shí)把房屋收回。
A:Yes, but at least it means that you get the house now and, as long as you keep working, and house prices go up you'll be all right.
A：噢，可是至少你現(xiàn)在擁有了房屋，只要一直有工作而且房?jī)r(jià)一直漲，那就沒(méi)問(wèn)題了。
C:Ah! That's the whole points. Don't get sick or lose your job!
C：哈，這才是問(wèn)題所在。你絕不能生病或去掉工作！
王牌句型
1.Especially the French window, you know, is very different.
特別是這落地窗非常與眾不同。
2.Your sofa has a very special style and color.
你的沙發(fā)式樣和顏色都很特別。
3.You can arrange the living room as you like.
你可以按自己的喜好布置這個(gè)客廳。
4.How large the living room is!
這間客廳真大??！
5.Yes,about fifty square meters.
是的，大約50平方米。