跪求英语文章 1500字的英文 有翻译 关于金融类的 跪求

talking about housing loans
房屋贷款
al and virginia baxter are talking to their banker,tony flora,about a housing loan.
艾尔和弗吉尼亚·巴克斯特正和他们的银行家托尼·费洛拉洽谈有关房屋贷款之事。al:we'd like to get some **rmation about mortgage loans,mr.flora.
艾尔：我们希望得到一些有关抵押贷款方面的知识，弗洛拉先生。we found a house that we'd like to buy.
我们找到了一所我们想买的房子。flora:well,mr.baxter,we generally lend 80%of the bank's appra**ed value on 30-,35-or 40-year mortgages if the house ** less than 10 years old.
弗洛拉：好的，巴克斯特先生。如果房屋从建成至今尚未超过10年，我们一般借给买房者的数额是银行对房屋估价的80%，而贷款期为30、35或40年。baxter:oh,it's almost a brand-new house.i think it was built two years ago.
巴克斯特：哦，这几乎是一所全新的房子，我认为是两年前修建的。a:yes,it's a real good deal.the price ** just right.
艾尔：是的，这真是的桩合适的买卖，价钱也很合理。f:bank appra**als are usually slightly lower than the actual market prices,mr.baxter,
弗洛拉，银行的估价总是低于实际市场价格的，巴克斯特先生。so you'll h**e to figure on at least at a 25%-28%down payment.
因此，您必须计划支付至少25%—28%的定金。a:yes,we planned on that.we've accumulated enough in our s**ings for a 30%down payment.
艾尔：是啊，这点我们已经估计到了，在我们的积蓄中攒的钱已足够支付30%的定金。b:what's the interest rate on mortgage loans?巴克斯特：抵押贷款的利息率是多少？f:it fluctuates a little depending on the various factors in the loan,but around 8.75%for longtime clients.
弗洛拉：根据各种不同情况的贷款，利息率稍有差别，但是，对于银行的老主顾一般是8。75%左右。a:well,we've been banking here since we got married 8 years ago,mr.flora,so i guess we qualify.
艾尔：那么我们从结婚到现在8年来一直与这里的银行往来，弗洛拉先生。因此，我想我们是合乎条件的。f:yes,you certainly do,mr.baxter.let's fill out th** application,so we can get started on the **work.
弗洛拉：是的，你们当然是符合条件的，巴克斯特先生。让我们先来填写这张申请表，然后就可以开始着手**事宜，
it takes some time to complete a mortgage loan transaction.
要完成抵押贷款的交易是得花点时间。b:we will need title insurance and fire insurance,too,won't we?巴克斯特：我们还需要产权保险和火灾保险，对吗？f:yes,you will.here's our mortgage loan booklet which explains all the things which will be necessary.
弗洛拉：是的，这里有一本有关我们抵押贷款的小册子，这个小册子说明了必须要办的一切手续