[00:00.00]approve [00:01.48]批核 [00:02.95]Conditional Letter of Offer [00:05.42]附帶條件批核通知書 [00:07.89]eligible [00:09.31]符合 [00:10.74]salary tax [00:12.28]薪俸稅 [00:13.82]minimum mortgage rate [00:15.95]惠按揭利率 [00:18.08]paid up [00:19.25]付清 [00:20.43]repayment table [00:22.44]按揭還款表 [00:24.45]A:Agent Mr.Wang [00:25.47]物業(yè)代理王先生 [00:26.49]B:Buyer Mr.Chen [00:28.03]買家陳先生 [00:29.57]C:Bank Loan Officer [00:31.40]銀行職員 [00:33.23]A:Good morning.Let me introduce you to Mr.Chen. [00:35.42]早晨好！讓我介紹一下，這是陳先生。 [00:37.62]He would like to ask you details about mortgage loans. [00:39.43]他希望查詢有關(guān)銀行按揭的詳細(xì)內(nèi)容。 [00:41.25]C:Good morning,Mr.Chen.I've known Mr.Wang for many years. [00:43.66]陳先生，早晨好！我認(rèn)識(shí)王先生很多年了。 [00:46.08]He is a very helpful agent. [00:47.50]他是一個(gè)熱誠(chéng)服務(wù)的物業(yè)代理。 [00:48.93]B:Yes,he is.Mr.Wang has gives some good advices which helped us buy this apartment at such a reasonable price. [00:54.37]是的，我非常同意。王先生給我們很多建議，如果沒有他，我們也不能買到如此合理價(jià)格的住宅物業(yè)。 [00:59.82]A:Sam,Mr.Chen has recently bought a flat in Tai Koo Shing. [01:02.11]森，陳先生最近買了太古城一個(gè)住宅物業(yè)。 [01:04.39]I recommended that they apply for a mortgage loan at your bank. [01:06.93]所以我建議他們到你們的銀行申請(qǐng)按揭。 [01:09.46]C:Thank you.We can start by you giving me the information on your property. [01:12.86]謝謝，首先請(qǐng)給我一些關(guān)于你的物業(yè)的資料。 [01:16.25]A:Sam,this is the Preliminary Sale and Purchase Agreement. [01:18.76]森，這是臨時(shí)買賣合約。 [01:21.27](Hands over document)The selling price of the flat is four point two million dollars. [01:24.45]（把文件交給他）成交價(jià)是四百二十萬元。 [01:27.64]He would like to apply for a mortgage loan representing 70% of the purchase price. [01:31.23]他希望申請(qǐng)七成銀行按揭。 [01:34.82]B:I would like to know the different kinds of home investment plans your bank offers. [01:38.38]我希望知道有多少種銀行按揭方法可供選擇。 [01:41.93]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. [01:50.11]好的，陳先生，本銀行可以向任何每月收入超過七萬元的客戶提供八厘二五的惠按揭利率。 [01:58.28]B:I'm afraid I'm not eligible for this plan. [02:00.14]我恐怕我不符合這個(gè)計(jì)劃的要求。 [02:01.99]Here is my salary tax form for the year ninety_five to ninety_six. [02:04.71]這是我1995年至1996年度薪俸稅單。 [02:07.43]My annual income is four hundred and eighty thousand dollars. [02:09.87]我的年薪約為四十八萬元。 [02:12.31]C:Do you have any other bank mortgage loans? [02:14.07]你有沒有其他銀行按揭貸款？ [02:15.84]B:No,we don't.The apartment we are living now is fully paid up. [02:18.62]我沒有任何貸款，我現(xiàn)在所住的物業(yè)供款已經(jīng)全部付清了。 [02:21.40]C:I see.Please give me ten minutes to calculate the interest rate for you. [02:24.50]我明白了。請(qǐng)給我十分鐘來計(jì)算利率。 [02:27.59](After 10 minutes). [02:28.41]（十分鐘后） [02:29.24]C:Mr.Chen,our bank will offer you a 10.25% interest rate.Attached is a repayment table for your reference. [02:35.70]陳先生，銀行會(huì)為你提供十厘二五的按揭利率。這是一份給你作參考的按揭還款表。 [02:42.17]B:Thank you.How long do you need for approval of my loan? [02:44.43]謝謝，你們需要多長(zhǎng)時(shí)間批核我的按揭申請(qǐng)呢？ [02:46.69]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. [02:56.63]通常需要兩天的時(shí)間才能知道是否批核申請(qǐng)，本銀行會(huì)于兩星期內(nèi)發(fā)出一份附帶條件的批核按揭通知書給你并通知你的律師準(zhǔn)備按揭文件。 [03:06.57]B:Thank you for all your time. [03:07.52]好的，謝謝你的幫忙。 [03:08.47]I have to discuss this with my wife,and then bring the relevant document to you. [03:11.78]我必須與太太再商量一下，然后我會(huì)帶齊所有有關(guān)資料給你。 [03:15.08]Thank you,Mr.Wang.I will get back to you. [03:16.81]謝謝王先生，我會(huì)跟你聯(lián)絡(luò)。 [03:18.53]A:Thank you,Mr.Chen and thank you,Sam. [03:20.35]不用客氣，陳先生。謝謝你。 [03:22.16]C:You're welcome. [03:23.89]不用客氣。