Vay mua nhà mortgage - Part 3 TOEIC Luyện Thi
Tóm tắt nhanh: Khách apply mortgage USD 400k, income USD 120k, down 20%. 3 câu hỏi: amount, income, property.
Hội thoại
Loan Officer: Hello, how can I help you today?
Customer (Anna): I'd like to apply for a mortgage to buy a house.
Loan Officer: Sure. How much are you looking to borrow?
Anna: USD 400,000.
Loan Officer: What's your annual household income?
Anna: USD 120,000 combined with my husband.
Loan Officer: And do you have a property in mind yet?
Anna: Yes, a single-family home in the suburbs, appraised at USD 500,000.
Loan Officer: Great. With a 20% down payment of USD 100,000, your loan would be USD 400,000 at our 30-year fixed rate of 6.25%. Estimated monthly P&I would be USD 2,462.
Anna: That sounds reasonable. What's the next step?
Loan Officer: We'll order an appraisal and start the underwriting process, which usually takes 30-45 days.
3 câu hỏi trắc nghiệm
Question 1: How much is the customer applying to borrow?
- (A) USD 300,000
- (B) USD 400,000 ✓
- (C) USD 500,000
- (D) USD 800,000
Đáp án: (B) - "USD 400,000".
Question 2: What is the household income?
- (A) USD 100,000
- (B) USD 120,000 ✓
- (C) USD 150,000
- (D) USD 200,000
Đáp án: (B) - "USD 120,000 combined".
Question 3: What is the home's appraised value?
- (A) USD 400,000
- (B) USD 450,000
- (C) USD 500,000 ✓
- (D) USD 600,000
Đáp án: (C) - "USD 500,000".
Từ vựng
| Từ vựng | Nghĩa |
|---|---|
| mortgage | vay mua nhà |
| apply for | nộp đơn |
| borrow | vay |
| annual household income | thu nhập hộ gia đình năm |
| combined | kết hợp |
| property in mind | tài sản trong đầu |
| single-family home | nhà riêng 1 gia đình |
| suburbs | ngoại ô |
| appraised at | định giá tại |
| down payment | trả trước |
| 30-year fixed rate | lãi suất cố định 30 năm |
| monthly P&I | P&I hàng tháng |
| reasonable | hợp lý |
| next step | bước tiếp theo |
| order an appraisal | yêu cầu định giá |
| underwriting process | quá trình thẩm định |
| appraisal | thẩm định giá nhà |
| 30-45 days | 30-45 ngày |
Traps
Bẫy 1: Loan vs home value
- Loan USD 400k vs home USD 500k - khác.
Bẫy 2: Income vs combined
- "Combined" = cả 2 vợ chồng.
Bẫy 3: Underwriting timeline
- 30-45 days, không phải "instant approval".
Topic: Mortgage application USD 400k at 6.25% 30-year fixed.
Luyện ngay bộ đề mô phỏng TOEIC 2026 — 5.000+ câu hỏi, chấm điểm tức thì tại thithu.com/thi-tieng-anh.