Maybe you need to buy a car.

也許你需要買一輛車。

Maybe you need to buy a house.

也許你需要買一棟房子。

Or maybe you want to go to school and get an education.

或者你想上學，接受教育。

In this English lesson I'll talk about those three big purchases, and I'll teach you all the English words and phrases that you'll need to know to be able to talk about them.

在這節英語課上，我將講述這三大采購項目，並教大家談論這些項目時需要掌握的所有英語單詞和短語。

Let's start by talking about buying a car.

讓我們從買車開始談起。

You can buy a car privately from a relative or a friend, but you can also buy a car from a car dealership.

您可以從親戚或朋友那裡私下買車，也可以從汽車經銷商那裡買車。

This is a very common way to buy a car in Canada.

在加拿大，這是一種非常普遍的購車方式。

Behind me you can see there is a car dealership.

在我身後，你可以看到有一家汽車經銷商。

We might also call this a car lot.

我們也可以稱其為汽車停車場。

You would come to the car dealership or car lot in order to see all of the different cars that are for sale.

你會來到汽車經銷商或汽車賣場，以便看到所有待售的不同汽車。

And you might even talk to a salesperson because you might be interested in taking one of the So if you want to buy a car you might come to a car lot, also called a car dealership, talk to a salesperson, and maybe go for a test drive.

如果你想買車，你可能會來到汽車銷售點（也叫車行），與銷售人員交談，也許還會去試駕一下。

So there are two kinds of cars you can buy when you're looking for a car.

是以，您在找車時可以買兩種車。

You can buy a new car.

你可以買一輛新車。

This is a car that no one else has ever owned before.

這是一輛前無古人的汽車。

It's a car that might be somewhere like at this dealership.

這輛車可能就在這個車行的某個地方。

It was made in the factory and came straight here, and it has hardly any kilometers on it.

這輛車是在工廠製造的，直接運到這裡，幾乎沒有行駛過任何公里數。

So if you want a new car you would come to a car dealership like this one and buy a new car.

是以，如果你想要一輛新車，你就會來像這樣的汽車經銷商處購買新車。

Sometimes you just don't have enough money to buy a brand new car, and in that situation you can buy a used car.

有時，你沒有足夠的錢購買一輛全新的汽車，在這種情況下，你可以購買一輛二手車。

We sometimes also call this a pre-owned car.

我們有時也稱之為二手車。

This is a car that someone else used to own, and they decided at some point in time that they didn't want it anymore, and so they sold it to the dealership.

這輛車以前是別人的，後來他們覺得不想要了，就賣給了車行。

So if you have lots of money, or if you can get a big enough loan, you can buy a brand new car.

是以，如果你有很多錢，或者如果你能貸到足夠多的款，你就可以買一輛全新的汽車。

But if you don't, you can always come to a used car lot, and you can find a used car that will work just right for you.

但如果你不這樣做，你可以隨時來到二手車交易市場，你可以找到一輛適合你的二手車。

Now when you go to buy a car you might not have enough money.

現在，當你去買車時，你可能沒有足夠的錢。

In that situation what you might need to do is you might need to get a car loan.

在這種情況下，你可能需要做的就是申請汽車貸款。

A car loan is when the bank, or even the car dealership, will lend you money so that you can buy the car, and then you need to pay them back.

汽車貸款是指銀行甚至汽車經銷商借錢給你，讓你買車，然後你需要還錢給他們。

So maybe you have enough money, maybe you have enough money to buy a brand new car, but maybe you don't.

所以，也許你有足夠的錢，也許你有足夠的錢買一輛全新的汽車，但也許你沒有。

In that situation you're going to need a car loan, and you're going to need to get it from the car dealership or from the bank.

在這種情況下，你需要汽車貸款，而且需要從汽車經銷商或銀行獲得貸款。

Now maybe you have a car and it's still in really good shape, but you want to buy a new car.

現在，也許你有一輛車，而且車況還很好，但你想買一輛新車。

You can always trade in your car.

您可以隨時換車。

When you trade in a car it means you go to the dealership and they give you a certain amount of money for your car, and then you can use that money to help pay for the new car that you want to buy.

以舊換新的意思是，你去經銷商那裡，他們會給你一筆錢，然後你可以用這筆錢支付你想買的新車。

So if you have an older car and it has really low kilometers and it's still in really good shape you might consider trading it in to help pay for the new car.

是以，如果您有一輛舊車，而且公里數很低，車況也很好，您可以考慮用它來換新車。

So cars are expensive.

是以，汽車價格昂貴。

But you know what's more expensive?

但你知道什麼更貴嗎？

A house.

一座房子

A house is a very expensive thing to buy.

買房子是一件非常昂貴的事情。

If you wanted to buy a house though, this is how you would start.

不過，如果您想買房，您可以這樣開始。

You might just look online.

您可以上網查找。

There are websites that show you what houses are for sale in different areas.

有一些網站可以向您展示不同地區的待售房屋。

Or you might just drive around and look for a house with a for sale sign.

或者，您可以開車四處尋找掛有待售招牌的房子。

When someone is selling their house we say it is for sale, and the sign that goes up in front we call a for sale sign.

當有人要賣房子時，我們會說這是待售房屋，而掛在門前的牌子我們稱之為待售牌。

So this house behind me is for sale.

我身後的這棟房子要出售

I'm not sure if it's going to sell quick though.

但我不確定它是否會很快售出。

The market is a little slow right now in Canada.

現在加拿大的市場有點緩慢。

Houses are not selling very quickly.

房子賣得不快。

So the name of a person that helps you sell a house or buy a house in Canada is called a realtor.

是以，在加拿大幫您賣房或買房的人被稱為房產經紀人。

When you look at a for sale sign you can see the name of the realtor.

當您看到一個待售標誌時，您可以看到房產經紀人的名字。

This is the person that is helping the people who own this house to sell this house.

這個人就是幫助擁有這套房子的人出售這套房子的人。

So if you want to sell a house you call a realtor and they help you by putting a for sale sign up and they do what are called viewings.

是以，如果你想賣房子，你可以打電話給房地產經紀人，他們會幫你掛上出售的牌子，並進行所謂的看房。

People can come to this house and see the inside of it.

人們可以來到這所房子，看看裡面的情況。

Similar to test driving a car you certainly want to see a house before you buy it.

就像試駕汽車一樣，在買房之前當然也要先看看房子。

So if you want to buy a house or sell a house you call a realtor.

是以，如果你想買房或賣房，就得找房地產經紀人。

If you want to see inside a house you ask for a viewing or sometimes they have what's called an open house.

如果你想看看房子內部，你可以要求看房，有時他們會舉辦所謂的開放日。

An open house happens usually on a weekend and it's a day when the house is just open for two hours and the realtor will be there for those two hours and anyone who comes can come inside and see the house.

開放日通常是在週末，這一天房子只開放兩個小時，房產經紀人會在這兩個小時內出現在那裡，任何來的人都可以進去看房子。

So you might be wondering how much does a house cost in Canada?

是以，您可能想知道加拿大的房屋價格是多少？

Well where I live in my area you would need about $500,000 to buy a house and that would be a cheap house.

在我居住的地區，你需要 50 萬美元才能買到一棟房子，而這只是一棟便宜的房子。

If you wanted a really nice house you would probably have to spend $700,000 or $800,000 or maybe if you were in Toronto even over a million dollars to buy a house.

如果你想要一棟真正的好房子，你可能需要花費 70 萬或 80 萬美元，如果你在多倫多，甚至可能需要花費超過 100 萬美元才能買到一棟房子。

So most people don't have enough money when they decide they want to buy a house and so what they'll do is they'll go to a bank to get a mortgage.

是以，大多數人在決定要買房時都沒有足夠的錢，所以他們會去銀行申請抵押貸款。

A mortgage is a special kind of loan.

抵押貸款是一種特殊的貸款。

It's a really long loan.

這是一筆很長的貸款。

You can take 20 or 25 or 30 years to pay off the loan.

你可以用 20 年、25 年或 30 年還清貸款。

And it's a loan designed specifically for buying a house.

這是一種專為買房而設計的貸款。

So if you don't have enough money, like most people, you might need to go to the bank to see if you qualify for a mortgage.

是以，如果你像大多數人一樣沒有足夠的錢，你可能需要去銀行看看自己是否有資格申請抵押貸款。

In order to qualify you'll have to have some money in the bank and you'll have to have a steady job at least for the last year or two.

為了獲得資格，您必須在銀行裡有一些存款，而且至少在過去一兩年裡有一份穩定的工作。

And then the bank will decide whether they will give you a mortgage.

然後銀行會決定是否給你提供抵押貸款。

So I just want to talk a little bit about the difference between lend and borrow.

是以，我只想談談借出和借入之間的區別。

In the situation of getting a mortgage the bank will lend you money and you will borrow money from the bank.

在辦理抵押貸款的情況下，銀行會借錢給你，你也會向銀行借錢。

So do you see the difference?

那麼，你看到區別了嗎？

The bank is the lender.

銀行是貸款人。

The bank will give you money.

銀行會給你錢。

The bank will lend you money.

銀行會借錢給你。

You are then the borrower.

您就是借款人。

You will take money from the bank.

你要從銀行取錢。

You will borrow money from the bank.

您將從銀行貸款。

And then of course you do have to pay it back.

當然，你還得還錢。

Another really expensive thing in life is a university education.

人生中另一個非常昂貴的東西就是大學教育。

If you go to university here in Canada it costs between $20,000 and $40,000 a year.

如果在加拿大上大學，一年的學費在 2 萬至 4 萬加元之間。

And you might have to stay for four or six years or more in order to get your degree.

為了獲得學位，你可能需要在這裡呆上四年、六年甚至更長時間。

Now when we talk about the cost of a university education there are three things that you're actually paying for.

現在，當我們談及大學教育的費用時，您實際上要支付三方面的費用。

You're paying tuition.

你在交學費。

This is the cost for the classes that you take.

這是您上課的費用。

You are paying for housing.

你在支付住房費用。

This is if you live on campus in something called a residence and you pay to live there.

這是指你住在校園內的宿舍裡，你需要支付住宿費用。

And then number three, you might have to pay for a meal plan if you are going to eat on campus.

第三，如果你要在校園裡用餐，你可能需要支付膳食計劃的費用。

So all three together ends up costing quite a bit, but you can save some money by living off campus and buying your own groceries.

是以，三項加起來的費用不菲，但如果住在校外，自己購買日用品，還是可以省下一些錢的。

Then you only need to pay tuition.

這樣您只需支付學費。

You might be wondering, how do you pay for a university education when you're really young and you don't have any money?

你可能會想，年紀輕輕就身無分文，該如何支付大學學費？

Well there's four ways that you can pay for this.

您可以通過四種方式支付這筆費用。

Number one, maybe you have some savings.

第一，也許你有一些積蓄。

In English when we talk about savings we mean money in the bank.

在英語中，當我們談論儲蓄時，我們指的是銀行裡的錢。

Maybe you've worked part-time and you've put money in the bank every week and you have some savings.

也許你做過兼職，每週都往銀行存錢，有了一些積蓄。

You can use that to pay for some of the tuition costs.

您可以用這筆錢支付部分學費。

Maybe you got a grant.

也許你得到了一筆補助金。

In Canada the government will give grants to students when they go to university.

在加拿大，學生上大學時政府會發放助學金。

Not all students get grants, but some students do.

並非所有學生都能獲得助學金，但有些學生可以。

A grant is money that you get that you don't have to pay back.

補助金是您無需償還的資金。

It's the best source of money for going to university that I can think of.

這是我能想到的上大學最好的資金來源。

Or maybe you did really well in high school and you got a scholarship.

或者，你在高中時成績很好，獲得了獎學金。

A scholarship is when a university or another organization gives you money because you're really smart.

獎學金是指大學或其他組織因為你非常聰明而給你的錢。

Or maybe you were really involved and did a lot of volunteering.

又或者，你真的參與其中，做了很多志願工作。

Again, this is money you don't have to pay back.

同樣，這筆錢你也不用還。

And then lastly you might need to get a student loan.

最後，您可能需要申請助學貸款。

In Canada you can get a student loan from the government.

在加拿大，您可以從政府獲得學生貸款。

You can get a student loan from the bank.

您可以從銀行獲得學生貸款。

These are nice in that you don't have to pay interest while you're a student, but once you're done, once you've graduated, you do have to pay the money back.

這些貸款的好處在於，你在學生時代不必支付利息，但一旦你完成學業，一旦你畢業，你就必須還錢。

So four ways to pay.

所以有四種支付方式。

Either you have savings, or you get some grants, or you get a scholarship or two, or you simply get some student loans, or a combination of all four.

要麼有積蓄，要麼獲得一些助學金，要麼獲得一兩項獎學金，要麼乾脆獲得一些助學貸款，要麼四者兼而有之。

That's probably the most common.

這可能是最常見的。

Well hey, thank you so much for watching this English lesson about buying a car, or buying a house, or getting yourself a university education and figuring out how to pay for all of those things.

非常感謝大家收看這節英語課，內容涉及買車、買房、上大學以及如何支付所有這些費用。

I hope you were able to learn some new English words and phrases that you can use in your next English conversation.

我希望您能學到一些新的英語單詞和短語，以便在下次英語會話中使用。

If this is your first time here, don't forget to click that red subscribe button, give me a thumbs up.

如果這是你第一次來這裡，別忘了點擊紅色的訂閱按鈕，給我按讚。

If you enjoyed this video, leave a comment below and let me know what part you liked the most.

如果您喜歡這部影片，請在下方留言，告訴我您最喜歡哪個部分。

And if you have some more time, don't forget, there's always more English lessons to watch!

如果你還有時間，別忘了，還有更多英語課程等著你！