Hey, last time you told me that you were preparing to buy a new house. How is it going now? 

嘿，上次你跟我提过准备买套新房子.现在怎么样了？

Mike:

No problem, I got 150,000 for the down payment. 

没有什么大问题，我准备了15万作为首付。

Tom:

What about the rest money?Are you going to borrow from your parents? 

剩下的钱怎么办呢？你准备跟你的父母借吗？

Mike:

No,I applied for a loan. 

不，我申请了贷款。

Tom:

Really? Then you may need to pay high interest. 

真的吗？那么也许你需要支付高昂的利息了。

Mike:

Not so exaggerated. Nowadays the bank cuts mortgage rates. 

没那么夸张。现在银行降低了住房贷款利率