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[Easy English] 2018. 10. 1. What do you think I should wear?
A. 안녕, 민. 오늘 저녁에 시간있어? 나 공짜 영화표 두장 있는데.
B. 진짜 재미있겠다. 근데 사실 나 오늘 저녁에 약속이있어.
A. 어...잠깐만. 너 니가 얘기했던 그 남자랑 데이트하는거야?
B. 응, 지훈씨. 오늘 만나서 저녁 먹자고 그래서.
A. 정말? 다 말해봐. 저녁 뭐 먹을건데?
B. 모르겠어. 저녁 7시에 만나기로 했어. 나 뭐 입고 나가지?
A. Hey, Min. Are you free tonight? I've got two free movie tickets.
B. That sounds like a lot of fun but I actually have plans tonight.
A. Wait...Are you going on a date with the guy you talked about?
B. Yea, Jihoon. He wants to meet me for dinner tonight.
A. Really? Tell me everything. What are you going to have for dinner?
B. I don't know. We are supposed to meet at 7 p.m.
What do you think I should wear?
Complete sentences
* Are you going on a date...?
* He wants to..
Pattern in sentences
-. I've got a few free amusement pass/one free large popcorn at the movie theater.
-. What do you think I should see/do this weekend?
-. But I already had plans to meet Jihoon for dinner.
Useful sentences
오늘 저녁에 머 하실거에요?....
-> What are your plans tonight?
입트영(2018.10.1) -mortgage loans / 주택 담보 대출
Talk about mortgage loans.
주택 담보 대출에 대해 이야기해 주세요.
When people take the plunge and decide to buy a house, they often take out a loan.
They usually get a mortgage loan from a bank with the house as collateral. Most banks have long-term mortgage products with relatively low interest rates. The interest rate is heavily dependent on one's credit rating and trade performance. Often, the size of the loan also depends on an individual's income level. There are two systems: floating interest and fixed interest. I recently received a loan from a bank to buy a house. At first, I was going to get a credit loan. However, the loanable amount was too low, so l took out a mortgage. I received half of the house's price. I set the repayment period as 20 years. I have to pay a level payment of both the principal and interest on a monthly basis.
큰마음을 먹고 주택을 구매하려고 할 때 대출을
받는 경우가 많다. 주로 은행에서 주택을 담보로 대출을 받는다. 대부분의 은행들은 이자가 비교적 낮은 장기 주택 담보 대출 상품을 제공하고 있다. 적용되는 금리는 개인의 신용도와 거래 실적에 따라 천차만별이다. 개인의 소득 수준에 따라 대출 가능 금액이 달라지는 경우도 있다. 변동금리와 고정 금리의 두 가지 방식이 있다. 나도 최근 주택을 사기위해 은행에서 대출을 받았다. 처음에는 신용 대출을 받으려 했으나, 대출 가능 금액이 작아서 결국 주택을 담보로 대출을 받았다. 처음에는 신용 대출을 받으려 했으나, 전체 집값의 절반을 대출받았다. 대출 상환 기한은 20년으로 설정했다. 매월 원금과 이자를 균등 분할하여 상환해야 한다.
[Extra Topics for Study Groups]
1. Have you ever taken out a mortgage loan? Describe the process.
2. What other types of loans are there?
3. Where do you receive financial advice? What kind of advice have you received?
출처: http://gonzi.tistory.com/2875?category=428847 [困知™]
[Key Vocabulary & Expressions]
take the plunge 큰 마음을 먹다
take out a loan 대출을 받다
mortgage loan 주택 담보 대출
with something as collateral ~을 담보로
low interest rate 낮은 금리
heavily dependent on ~에 크게 좌우되는
credit rating 신용 등급
trade performance 거래 실적
size of a loan 대출 금액
income level 소득 수준
floating / fixed interest 변동/고정 금리
credit loan 신용 대출
loanable amount 대출 가능 금액
repayment period 상환 기간
level payment 균등 상환
principal and interest 원금과 이자
on a monthly basis 매달
[Pattern Practice]
1. take the plunge 큰 마음을 먹다
Sometimes, people take the plunge and decide to buy a house.
After dating for 3 years, we took the plunge and decided to get married.
It was really expensive, but I took the plunge and bought it.
2. take out a loan 대출을 받다
When people buy a house, they often take out a loan.
I don't want to take out a loan to buy a car.
Many students take out loans to go to college.
3. heavily dependent on ~에 크게 좌우되는
The interest rate is heavily dependent on each person's situation.
The number of spectators is heavily dependent on the weather.
Your score will be heavily dependent on how much you practice.
4. income level 소득 수준
The interest rate depends on a person'sincome level.
People from different income levels are in our club.
You should consider your income level when looking for a house.
5. level payment 균등 상환
I have to pay a level payment each month.
I prefer a level payment because it's easier to calculate.
I repaid my student debt through level payments.
[Speaking Tips]
mortage loan
주택 담보 대출
'주택 담보 대출을 받는다'고 말할 때는 receive 혹은 get 등의 동사를 사용해도 무방하지만, take out이라는 표현이 더 자연스럽다. receive a mortage loan보다는 take out a mortage loan이 흔한 표현이다. 또한 mortage loan을 단순히 mortage라고 표현하는 경우도 많다.
예)
I went to the bank to apply for a mortage.
My husband and I decide to take out a mortage loan.
[Expression of the Day]
I'll walk you through it.
내가 알기 쉽게 설명해 줄게.
A: You look stressed out. Is something wrong? Can I help you?
B: I'm trying to take out a mortage, but there's so much paperwork.
A: I did the same thing last year. I'll walk you through it.
B: Thanks. It's so complicated, it feels like a foreign language.
A: 뭔가 스트레스 받고 있나 봐. 뭐가 문제야? 내가 도와줄까?
B: 주택 담보 대출을 받으려고 하는데, 필요한 서류가 너무 많아.
A: 나도 작년에 그랬어. 내가 알기 쉽게 설명해 줄게.
B: 고마워. 너무 복잡해서 마치 외국어를 보는 것 같아.
출처: http://gonzi.tistory.com/2875?category=428847 [困知™]
스크립트 듣기
A. 안녕, 민. 오늘 저녁에 시간있어? 나 공짜 영화표 두장 있는데.
B. 진짜 재미있겠다. 근데 사실 나 오늘 저녁에 약속이있어.
A. 어...잠깐만. 너 니가 얘기했던 그 남자랑 데이트하는거야?
B. 응, 지훈씨. 오늘 만나서 저녁 먹자고 그래서.
A. 정말? 다 말해봐. 저녁 뭐 먹을건데?
B. 모르겠어. 저녁 7시에 만나기로 했어. 나 뭐 입고 나가지?
A. Hey, Min. Are you free tonight? I've got two free movie tickets.
B. That sounds like a lot of fun but I actually have plans tonight.
A. Wait...Are you going on a date with the guy you talked about?
B. Yea, Jihoon. He wants to meet me for dinner tonight.
A. Really? Tell me everything. What are you going to have for dinner?
B. I don't know. We are supposed to meet at 7 p.m.
What do you think I should wear?
Complete sentences
* Are you going on a date...?
* He wants to..
Pattern in sentences
-. I've got a few free amusement pass/one free large popcorn at the movie theater.
-. What do you think I should see/do this weekend?
-. But I already had plans to meet Jihoon for dinner.
Useful sentences
오늘 저녁에 머 하실거에요?....
-> What are your plans tonight?
입트영(2018.10.1) -mortgage loans / 주택 담보 대출
Talk about mortgage loans.
주택 담보 대출에 대해 이야기해 주세요.
When people take the plunge and decide to buy a house, they often take out a loan.
They usually get a mortgage loan from a bank with the house as collateral. Most banks have long-term mortgage products with relatively low interest rates. The interest rate is heavily dependent on one's credit rating and trade performance. Often, the size of the loan also depends on an individual's income level. There are two systems: floating interest and fixed interest. I recently received a loan from a bank to buy a house. At first, I was going to get a credit loan. However, the loanable amount was too low, so l took out a mortgage. I received half of the house's price. I set the repayment period as 20 years. I have to pay a level payment of both the principal and interest on a monthly basis.
큰마음을 먹고 주택을 구매하려고 할 때 대출을
받는 경우가 많다. 주로 은행에서 주택을 담보로 대출을 받는다. 대부분의 은행들은 이자가 비교적 낮은 장기 주택 담보 대출 상품을 제공하고 있다. 적용되는 금리는 개인의 신용도와 거래 실적에 따라 천차만별이다. 개인의 소득 수준에 따라 대출 가능 금액이 달라지는 경우도 있다. 변동금리와 고정 금리의 두 가지 방식이 있다. 나도 최근 주택을 사기위해 은행에서 대출을 받았다. 처음에는 신용 대출을 받으려 했으나, 대출 가능 금액이 작아서 결국 주택을 담보로 대출을 받았다. 처음에는 신용 대출을 받으려 했으나, 전체 집값의 절반을 대출받았다. 대출 상환 기한은 20년으로 설정했다. 매월 원금과 이자를 균등 분할하여 상환해야 한다.
[Extra Topics for Study Groups]
1. Have you ever taken out a mortgage loan? Describe the process.
2. What other types of loans are there?
3. Where do you receive financial advice? What kind of advice have you received?
출처: http://gonzi.tistory.com/2875?category=428847 [困知™]
[Key Vocabulary & Expressions]
take the plunge 큰 마음을 먹다
take out a loan 대출을 받다
mortgage loan 주택 담보 대출
with something as collateral ~을 담보로
low interest rate 낮은 금리
heavily dependent on ~에 크게 좌우되는
credit rating 신용 등급
trade performance 거래 실적
size of a loan 대출 금액
income level 소득 수준
floating / fixed interest 변동/고정 금리
credit loan 신용 대출
loanable amount 대출 가능 금액
repayment period 상환 기간
level payment 균등 상환
principal and interest 원금과 이자
on a monthly basis 매달
[Pattern Practice]
1. take the plunge 큰 마음을 먹다
Sometimes, people take the plunge and decide to buy a house.
After dating for 3 years, we took the plunge and decided to get married.
It was really expensive, but I took the plunge and bought it.
2. take out a loan 대출을 받다
When people buy a house, they often take out a loan.
I don't want to take out a loan to buy a car.
Many students take out loans to go to college.
3. heavily dependent on ~에 크게 좌우되는
The interest rate is heavily dependent on each person's situation.
The number of spectators is heavily dependent on the weather.
Your score will be heavily dependent on how much you practice.
4. income level 소득 수준
The interest rate depends on a person'sincome level.
People from different income levels are in our club.
You should consider your income level when looking for a house.
5. level payment 균등 상환
I have to pay a level payment each month.
I prefer a level payment because it's easier to calculate.
I repaid my student debt through level payments.
[Speaking Tips]
mortage loan
주택 담보 대출
'주택 담보 대출을 받는다'고 말할 때는 receive 혹은 get 등의 동사를 사용해도 무방하지만, take out이라는 표현이 더 자연스럽다. receive a mortage loan보다는 take out a mortage loan이 흔한 표현이다. 또한 mortage loan을 단순히 mortage라고 표현하는 경우도 많다.
예)
I went to the bank to apply for a mortage.
My husband and I decide to take out a mortage loan.
[Expression of the Day]
I'll walk you through it.
내가 알기 쉽게 설명해 줄게.
A: You look stressed out. Is something wrong? Can I help you?
B: I'm trying to take out a mortage, but there's so much paperwork.
A: I did the same thing last year. I'll walk you through it.
B: Thanks. It's so complicated, it feels like a foreign language.
A: 뭔가 스트레스 받고 있나 봐. 뭐가 문제야? 내가 도와줄까?
B: 주택 담보 대출을 받으려고 하는데, 필요한 서류가 너무 많아.
A: 나도 작년에 그랬어. 내가 알기 쉽게 설명해 줄게.
B: 고마워. 너무 복잡해서 마치 외국어를 보는 것 같아.
출처: http://gonzi.tistory.com/2875?category=428847 [困知™]
스크립트 듣기
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