ChinesePod

nǐ …nǐ …gàn shénme zhème duōduōbīrén ā !zhèxiē wǒ dāngrán xiǎng guò ā ，wǒ yǐjīng hé wǒ zài chūbǎn jiè gōngzuò de péngyou tán guò le ，yě dàgài zhīdào kěyǐ qù nǎr zhǎo rén tì wǒ shèjì wǎngzhàn 。zījīn yě kěyǐ qù xiàng yínháng dàikuǎn ma !

You... you... why are you being so overbearing! Of course I've already thought of all that, I've already talked it over with my friends in the publishing industry, and I know whereabouts I should go to find someone to design my website. I can get capital from a bank loan!

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我来给你上上课啊。“以房养老”就是“住房反向抵押贷款”。老年人把自己的房子抵押出去，比方说抵押给银行或者保险公司，这些金融机构按照房子的价值，提供老人养老金，老人去世后，产权就归机构了。

wǒ lái gěi nǐ shàngshàngkè ā 。“yǐfángyǎnglǎo ”jiùshì “zhùfáng fǎnxiàng dǐyā dàikuǎn ”。lǎoniánrén bǎ zìjǐde fángzi dǐyā chūqù ，bǐfangshuō dǐyā gěi yínháng huòzhě bǎoxiǎn gōngsī ，zhèxiē jīnróng jīgòu ànzhào fángzi de jiàzhí ，tígōng lǎorén yǎnglǎojīn ，lǎorén qùshì hòu ，chǎnquán jiù guī jīgòu le 。

Let me give you a lesson on it. “Using homes to take care of the elderly” is a “housing reverse mortgage loan”. Old people can mortgage their homes. For example, it's mortgaged to a bank or insurance company, and these financial institutions will provide money to support these old people based on the value of their homes. When the old people die, ownership of the property will be given to the institutions.

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我们可不像你们，贷款，刷信用卡，寅吃卯粮，透支着花钱。现在养老和医疗都没什么保障，我和你妈妈年纪大了，不存点钱，以后万一生了大病，没钱怎么办？

wǒmen kě bùxiàng nǐmen ，dàikuǎn ，shuā xìnyòngkǎ ，yínchīmǎoliáng ，tòuzhī zhe huāqián 。xiànzài yǎnglǎo hé yīliáo dōu méi shénme bǎozhàng ，wǒ hé nǐ māma niánjì dà le ，bù cún diǎnr qián ，yǐhòu wànyī shēng le dàbìng ，méi qián zěnme bàn ？

We're not like you: taking out loans, using credit cards, living paycheck to paycheck, spending beyond your means. Nowadays both medical treatment and care for the elderly aren't ensured. Your mother and I are older. If we don't save money, what if we get really sick? Without money, what will we do?

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我们不指望你。你早点把你那房子贷款还清我就放心了。欠银行几十万你们小两口也不着急，就知道到处吃喝玩乐。以后有了孩子花销更大了，我看你们怎么办。

wǒmen bù zhǐwàng nǐ 。nǐ zǎodiǎnr bǎ nǐ nà fángzi dàikuǎn huánqīng wǒ jiù fàngxīn le 。qiàn yínháng jǐshíwàn nǐmen xiǎoliǎngkǒu yě bù zháojí ，jiù zhīdào dàochù chīhēwánlè 。yǐhòu yǒu le háizi huāxiāo gèngdà le ，wǒ kàn nǐmen zěnme bàn 。

We don't want to rely on you. If you paid off the loan for your house a bit earlier, then I would relax. Owing the bank several tens of thousands of kuai, the two of you don't have to worry, you only know about enjoying life. After having a kid expenses are greater; I know how you can do it.

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给银行打个电话，看能不能贷款。

gěi yínháng dǎ ge diànhuà ，kàn néng bu néng dàikuǎn 。

Call the bank. See if they can give us a loan.

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嗯。哎，其实前两年买房升值最快了，都翻了好几倍了。我有一朋友，几年前买了房就拿去抵押贷款再买，就靠着这模式，这家伙手上都有十几套房子了。

ng4 。āi ，qíshí qián liǎng nián mǎi fáng shēngzhí zuì kuài le ，dōu fān le hǎo jǐ bèi le 。wǒ yǒu yī péngyou ，jǐ nián qián mǎi le fáng jiù ná qù dǐyā dàikuǎn zài mǎi ，jiù kào zhe zhè móshì ，zhè jiāhuo shǒushang dōu yǒu shí jǐ tào fángzi le 。

Oh. Hey, actually housing prices rose the most they ever have these last few years. They more than doubled. I have a friend who bought an apartment a few years ago, then went and took out a mortgage loan and bought another one. He just followed this pattern and now he has more than a dozen apartments.

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还贷款

huán dàikuǎn

To make a payment on a loan

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从你们的经营状况来看，很难申请到这个额度的贷款。你也知道，银行是要控制风险，控制坏账率的。

cóng nǐmen de jīngyíng zhuàngkuàng láikàn ，hěn nán shēnqǐng dào zhè ge édù de dàikuǎn 。nǐ yě zhīdào ，yínháng shì yào kòngzhì fēngxiǎn ，kòngzhì huàizhànglǜ de 。

Looking at your current state of operation, it would be very difficult to successfully apply for a loan of this amount. As you know, the bank must control risks and also bad credit ratings.

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