1 / 4认得Recognize看到这个英文，我知道它大概是什么。I see it, and I know roughly what it is.
Mortgage
MOR-gij
房贷
모기지
Where you'll see it你会在哪里看到
- 贷款机构（lender）的网站
- 每个月的房贷账单
- 房源页的月供试算
- 银行寄来的信
What it actually means白话说
用来买房子的贷款。你向银行或贷款机构借一大笔钱付给卖方，之后每个月还一部分本金和利息；房子本身是这笔贷款的担保。
Common mistake常见的误会
Mortgage 的 t 不发音。另外，申请表上的 Monthly Rent / Mortgage 是问你每个月付多少房租或房贷，租房的人填的是房租。
Often right next to it旁边常出现的单词
- Lender贷款机构 대출 기관
- Loan贷款 대출
- Monthly payment每月还款 월 상환금
- Principal本金 원금
- Interest利息 이자
Racco 说Racco saysMortgage 里有一个不发音的 t，和一笔会陪你很多年的月供。前者可以不管，后者不行。
2 / 4听懂Understand对方讲一整句，我抓得到关键词。They say a whole sentence. I catch the keyword.
You may hear你可能会听到
Loan officer
“Your monthly mortgage payment would be about twenty-three hundred dollars.”
你每个月的房贷大约是两千三百美元。
Listen for these words整句听不懂没关系，抓这几个词
- monthly mortgage payment每月房贷
- about twenty-three hundred大约两千三百
3 / 4开口Say不用讲得完美，我有一句最简单的可以说。It doesn't have to be perfect. I have one simple line.
You can say你可以说
How much is the monthly payment?
每个月要付多少？
Does that include taxes and insurance?
这有包含税和保险吗？
I'd like to ask about a mortgage.
我想问房贷的事。
4 / 4实战Survive真的遇到了，我知道现在发生什么。When it really happens, I know what's going on.
Quick check实战一下
你在银行跟贷款专员谈买房的贷款，对方指着屏幕上的一个数字。
Loan officer 说：Loan officer says:
“That's the mortgage payment only. Taxes and insurance are extra.”