用房产在银行办理的贷款，该贷款要按照银行规定的利率支付利息，这个利率就是房贷利率。

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。

Kim: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。

Kim: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