资源描述：
《商务翻译（英译汉）Unit8ALifeSaveroraLifeSentence》由会员上传分享，免费在线阅读，更多相关内容在教育资源-天天文库。
1、Unit8ALifeSaveroraLifeSentence?《商务英语翻译》（英译汉）【Translation】Growingnumbersoffirst-timebuyersdesperatetogetonthehousingladderbutstrugglingtoaffordsky-highhousepricesarebeingencouragedtotiethemselvesintomortgageslasting35,40oreven45years.Withtoday’sbuyersrequiringever-largerhomeloan
2、s,somebanksandbuildingsocietieshavecomeupwithaclevertrickforbringingthedreamofhomeownershipwithintheirreach:increasingthetermoftheloaninordertoreducethemonthlypayments.Butit’satrickwithanastycatch.Whileyourmonthlyoutlaywillbelower,bythetimethedealcomestoanendyou’llhavepaidfarmo
3、re—perhapsanextraBP150,000—thanifyouhadastandard25-yearmortgage.Onthefaceofit,themathsofmortgagestretchinglooksprettygood.IfyousignedupforaBP200,000homeloantobepaidbackover25years,youwouldpayBP1,140amonthinthefirsttwoyearsandBP1,329amonthfortheremainderoftheterm,assumingatwo-y
4、eartrackerrateof4.79%whichthenconvertsintoa6.5%standardrate.ThatmonthlyrepaymentaftertwoyearsfallstoBP1,157—asavingofBP172amonthormorethanBP2,000ayear—ifyouincreasethetermto40years.Forthosewithtightfinances,thatBP172amonthsavingcouldbethedifferencebetweengettingonthepropertylad
5、derandbeingforcedtocontinuerenting.Butthoselowerpaymentscomeataprice.After25years,youwouldhavehandedoveratotalofBP394,241inmortgagepayments,basedontheaboveexample.Butwitha40-yearterm,thetotalamountrepaidsoarstoBP549,931.Somemightsaythatifhousepricescontinuetoriseinexcessofearni
6、ngs,theonlywayrepaymentscanremainaffordableisbyincreasingthetermoftheloan.Butotherswillsaythisisatickingtimebomb,(reminiscentofthetacticsusedbythoseloanconsolidationcompaniesthatofferpeoplethechancetobringalltheirdebtstogetherinto“oneeasypayment”thatissubstantiallylessthantheir
7、currentmonthlypayments)—butwhichdothisbyspreadingthemoveramuchlongerperiod,meaningmoreinterestispaid.【VersionforReference】一朝买房，终生还贷？越来越多急于步入有房者行列但无法负担高额房款的第一次购房者在银行的怂恿下，背负上长达35年、40年甚至45年的按揭贷款。由于今天的购房者需要越来越多的住房贷款，一些银行和房屋互助协会便想出了一个绝妙的计策，让拥有住房的梦想成真：延长贷款期限，从而降低月供。不过，这有一个蹊跷之处。虽然月供低了
8、，但是等到最后还款结束，你支付的钱可能比你申请一般的25年期按揭贷款多得多——可能要增加15万英镑。如果你将
