房屋實質擁有人
Maggie: Hey, George. Do you know anything about mortgages?
瑪姬：嘿，喬治，你了解房貸嗎？
George: I know a thing or two. Are you going to buy a home?
喬治：略知一二。妳要買房子嗎？
Maggie: You know that is a dream of mine. But I don’t quite understand the difference between a mortgage and a loan.
瑪姬：你也知道那是我的夢想，但我搞不太清楚房貸跟貸款的差別。
difference(n.)差別loan(n.)貸款
George: Well, getting a loan means one receives a lump sum and agrees to pay the money back, while a mortgage usually refers to the borrowed money used to finance a property.
喬治：申請貸款指的是一次得到一大筆錢並同意繳付借款，而房貸通常指用來買房子的借款。
a lump sum=一次性支付或一整筆的款項agree(v.)同意finance(n.)金融(v.)融資
Maggie: So, a mortgage is also a type of loan?
瑪姬：所以，房貸也是一種貸款囉。
George: You’re correct. But not all loans are mortgages.
喬治：沒錯，但並非所有貸款都是房貸。
Maggie: Oh, I see.
瑪姬：了解。
George: Mortgages are a type of secured loan, which means the borrower has to put up an asset as collateral. In the case of a mortgage, the collateral is the home itself.
喬治：房貸是一種抵押貸款，也就是說借款人得以資產作為抵押品。就房貸的例子而言，抵押品就是房子本身。
asset(n.)資產put up sth. as collateral=以某物作為抵押
Maggie: What will happen if I can’t repay the money?
瑪姬：繳不出房貸的話會怎麼樣？
repay(v.)償還
George: Then your lender has the right to take over your property and sell it.
喬治：那貸款方就有權查封房子並且拍賣出去。
take over=接管
Maggie: So I don’t truly own it before I pay off the mortgage. What if I pay it off before it is due?
瑪姬：所以在我繳清房貸之前，我並不是房子的實質擁有人。如果我提前繳清了呢？
own(v.)擁有due(adj.)預計的;預期的
George: You should pay attention to the repayment rules as you could be charged for paying off your mortgage early.
喬治：妳應該詳閱還款的相關規定，因為妳可能會因為提前繳清房貸而被徵收違約金。
pay attention to=注意charge(n.)費用(v.)收費