分期付款整修
Spacey and Ada are a couple. They are talking about having their kitchen renovated.
史貝西與艾達是一對夫妻。他們在討論要將廚房翻新。
renovate(v.)翻修、整修
Spacey: How much will it cost if we have our kitchen remodeled?
史貝西：整修廚房要花多少錢啊？
remodel(v.)改造
Ada: Our contractor gave a rough estimate of somewhere between $26,000 to $30,000.
艾達：承包商粗估的費用介於26,000至30,000元之間。
estimate(v.)(n.)估計、估算conservative estimate 保守估計
Spacey: I don’t think we can pay that money in full all at once.
史貝西：我不認為我們有辦法一次就付清這筆錢。
pay sth. in full 全額繳付某款項pay off 還清pay down 償還部分款項
Ada: Perhaps we can place a lien on our property and pay in installments depending on how much work is done.
艾達：或許我們可以登記施工留置權，然後依據工程進度分期付款。
in (by) installments 以分期付款的方式
Spacey: Good idea. That way, our contractor is assured that they will get the full payment for their work. It’s like using the property as collateral.
史貝西：好主意。這樣一來，承包商就一定能夠收到全額款項，這就像是拿房產來抵押一樣。
assure(v.)保證、擔保use (put up) sth. as collateral 以某物作為抵押品
Ada: Yeah. As the installment payments taper off, the contractor may partially release the lien accordingly.
艾達：對啊。隨著分期付款逐漸減少，承包商也會逐步釋出留置權。
taper off 逐漸變小或減弱partially(adv.)部分地、不完全地
Spacey: Since we don’t have enough money upfront for the kitchen makeover, I think so far filing a lien works best for us.
史貝西：既然我們沒有足夠的錢預付整修費，我想目前登記留置權對我們而言是最好的選擇了。
upfront(adj.)(adv.)預付(的)
Ada: As long as we receive the proper lien release after we clear the debt, we hold the rightful ownership to the property.
艾達：只要我們還清債務後有確實收到釋出留置權的文件，我們還是房屋的法定所有人。
rightful(adj.)正當的、合法的ownership(n.)所有權、物主身份owner(n.)物主