2018年catti三級(jí)筆譯練習(xí)題：房子

　　漢譯英

　　房子是大多數(shù)人將要購(gòu)買的最昂貴的物品。很少有人自己有足夠的錢來(lái)購(gòu)房，因而人們不得不從銀行貸款。從銀行借錢購(gòu)房被稱為“作抵押”。銀行通常的借款期或抵押期可達(dá)25年。當(dāng)前房?jī)r(jià)如此之高，以至人們的借款額高達(dá)50 000美元。換句話說(shuō)，他們將有50 000美元的抵押款。

　　怎樣獲得抵押貸款呢?找到自己喜歡的房子后，到一家銀行去。銀行會(huì)審查你的金融紀(jì)錄，而后決定你是否是一個(gè)風(fēng)險(xiǎn)較小的人。他們要了解你的工作類型，薪水收入，以及工作年限。他們還要了解你有多少錢。此外，銀行還要求付首付款。根據(jù)所居住的不同的州，銀行可能要求房?jī)r(jià)的30%作為首付款，而后銀行將借給你購(gòu)房所需的剩余部分款項(xiàng)。許多人因攢不到足夠的錢付首付款，從而就根本沒(méi)有能力購(gòu)房。

　　參考譯文

　　home, so they have to borrow money from a bank. Borrowing money from a bank to buy a house is called “take a mortgage (抵押).”The bank usually lends money or gives a mortgae for twenty-five years. Houses are so expensive that many people nowadays have to borrow as much as $ 50 000. In other words, they will have a $ 50 000 mortgage.

　　How can you get a mortgage? When you find a house you like, you go to a bank. The bank will research you financial (金融的) history and decide if. they think you are a good risk. They will want to know what kind of job you have, what kind of salary you make, and how long you have had the job. They will also want to know how much money you have. In addition, the banks will require a down payment. Depending on which state you live in, the bank may require as much as 30% of the-price of the house as a down payment. The bank will then lend you the rest of the money to buy the house. Many people are never able to buy a house because they cannot save enough money for the down payment.

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