用房產在銀行辦理的貸款，該貸款要按照銀行規定的利率支付利息，這個利率就是房貸利率。
Kim:Hey, last time you told me that you were preparing to buy a new house. How is it going now?
嘿，上次你跟我提過準備買套新房子.現在怎么樣了?
Mike:No problem, I got 150,000 for the down payment.
沒有什么大問題，我準備了15萬作為首付。
Kim:What about the rest money?Are you going to borrow from your parents?
剩下的錢怎么辦呢?你準備跟你的父母借嗎?
Mike:No,I applied for a loan.
不，我申請了貸款。
Kim:Really? Then you may need to pay high interest.
真的嗎?那么也許你需要支付高昂的利息了。
Mike:Not so exaggerated. Nowadays the bank cuts mortgage rates.
沒那么夸張。現在銀行降低了住房貸款利率
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