影響貸款申請？
Liz and Arthur are a couple. They are looking to build an extension to their house.
麗茲和亞瑟是夫妻。他們計劃擴建房子。
extension(n.)延伸、擴建extend(v.)延伸、擴建extension cord (lead) 延長線hair extension 接髮
Liz: Since we have decided to extend our house, how are we going to get the money for the project? I bet it would cost us a pretty penny.
麗茲：既然我們決定擴建房子，我們要怎麼籌得裝修費啊？我敢說一定要花不少錢。
cost (sb.) a pretty penny 要花大錢的
Arthur: I’m thinking of using our home as collateral for a line of credit. That way, we can have more time to repay the debt.
亞瑟：我在考慮拿房子來抵押申請信用額度。這麼一來，我們就可以有更多時間償還債款了。
use or put up sth. as collateral 以某物作為抵押repay(v.)償還debt(n.)債務be in debt 負債run up debts 積欠債款、負債累累bad debt 呆帳debtor(n.)債務人
Liz: That’s exactly what we need. We should give it some thought.
麗茲：那正是我們所需要的。我們應該考慮一下。
Arthur: Even if we sign the contract, we still have the right to rescind the loan if we opt to go back on our decision. This is known as the “right of rescission.”
亞瑟：即便我們簽約了，要是我們改變主意，還是有權撤銷貸款喔。這是所謂的「撤銷權」。
cancel(v.)取消opt to do sth. 選擇做某事go back on… 違反(合約或協議)、改變(主意)
Liz: Is there a time frame for that?
麗茲：有沒有時間限制呢？
a time frame 時間框架、時間限制
Arthur: We have to put our request for cancellation in writing within three business days.
亞瑟：我們得在三個工作天內以書面形式提出取消貸款的申請。
put sth. in writing 以書面形式呈現某事物cancellation(n.)取消
Liz: But isn’t there a possibility that our request will be declined?
麗茲：但我們的申請有沒有可能遭拒啊？
decline(v.)否決、拒絕approve(v.)通過、同意、批准
Arthur: The right of rescission is exercised on a no-questions-asked basis. So, we don’t have to worry about it not going through.
亞瑟：行使撤銷權時，貸款機構並不會過問。所以我們不必擔心會申請失敗。
exercise(v.)行使(權利或權力)on a … basis 以～為基礎on a daily basis 每日on a regular basis 定期