1 / 4認得Recognize看到這個英文，我知道它大概是什麼。I see it, and I know roughly what it is.
Mortgage
MOR-gij
房貸
모기지
Where you'll see it你會在哪裡看到
- 貸款機構（lender）的網站
- 每個月的房貸帳單
- 房屋刊登頁的月付試算
- 銀行寄來的信
What it actually means白話說
用來買房子的貸款。你向銀行或貸款機構借一大筆錢付給賣方，之後每個月還一部分本金和利息；房子本身是這筆貸款的擔保。
Common mistake常見的誤會
Mortgage 的 t 不發音。另外，申請表上的 Monthly Rent / Mortgage 是問你每個月付多少房租或房貸，租屋的人填的是房租。
Often right next to it旁邊常出現的字
- Lender貸款機構 대출 기관
- Loan貸款 대출
- Monthly payment每月還款 월 상환금
- Principal本金 원금
- Interest利息 이자
Racco 說Racco saysMortgage 裡有一個不發音的 t，和一筆會陪你很多年的月付。前者可以不管，後者不行。
2 / 4聽懂Understand對方講一整句，我抓得到關鍵字。They say a whole sentence. I catch the keyword.
You may hear你可能會聽到
Loan officer
“Your monthly mortgage payment would be about twenty-three hundred dollars.”
你每個月的房貸大約是兩千三百美元。
Listen for these words整句聽不懂沒關係，抓這幾個字
- monthly mortgage payment每月房貸
- about twenty-three hundred大約兩千三百
3 / 4開口Say不用講得完美，我有一句最簡單的可以說。It doesn't have to be perfect. I have one simple line.
You can say你可以說
How much is the monthly payment?
每個月要付多少？
Does that include taxes and insurance?
這有包含稅和保險嗎？
I'd like to ask about a mortgage.
我想問房貸的事。
4 / 4實戰Survive真的遇到了，我知道現在發生什麼。When it really happens, I know what's going on.
Quick check實戰一下
你在銀行跟貸款專員談買房的貸款，對方指著螢幕上的一個數字。
Loan officer 說：Loan officer says:
“That's the mortgage payment only. Taxes and insurance are extra.”