Dialogue

Vocabulary

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Lesson Transcript

INTRODUCTION
Intro: Sean bienvenidos a SpanishPod101.com
David: Buenos días, soy David.
Megan: And I am Megan. Lower intermediate series, season 2, Lesson 1. Somebody Please, Give me a Mortgage.
David: Queremos daros una especial bienvenida a todos en esta primerísima edición del largamente esperado Lower intermediate series.
Megan: We want to give you a big welcome to this long awaited first edition of the lower intermediate series.
David: Que estamos emitiendo desde Madrid, España.
Megan: And we are coming to you from Madrid, Spain.
David: Esta serie va a complementar, en ningún caso vamos a reemplazar eso sería imposible, el Lower Intermediate Season 1 de Kathy y Ana
Megan: And we just wanted to let you know that the series is going to complement and not in any way replace Khaty’s and Ana’s Lower intermediate season 1 which focuses mainly on Latin American Spanish.
David: Porque sabemos que es muy importante que sepáis diferenciar el español de europa del español de latin america. Y por eso lo vamos a poner mucho más fácil ahora.
Megan: Yeah and we really want you to be able to distinguish between Latin American Spanish and Iberian Spanish and now that’s going to be a lot easier to do by comparing.
David: La conversación de hoy tiene lugar en una oficina de un banco en Madrid
Megan: So today’s conversation takes place in a bank office here in Madrid.
David: En las dos personas de hoy están Gael y el oficinista del banco.
Megan: The two people in today’s conversation are Gael and the loan officer of the bank.
David: Así que como podéis imaginar esta es una conversación formal.
Megan: So as you can imagine, this is going to be a very formal conversation.
David: Gael va a pedir un crédito, un préstamo, una hipoteca.
Megan: Gael is here to request a loan or a mortgage.
David: Y el director de la oficina le va a freír a requisitos.
Megan: And the loan officer is going to give him a rundown of all the requirements to get the loan. Now will be the time to open up the lesson guide in your PDF reader.
DIALOGUE
1. GAEL: Buenos días. Vengo a informarme para pedir una hipoteca para la
compra de una vivienda.
2. DIRECTORA: Buenos días. Ya sabrá que ahora mismo las condiciones son más
duras que hace unos meses.
3. GAEL: Sí, lo sé, pero he hecho números, y creo que puedo cumplirlas.
4. DIRECTORA: En primer lugar deberá domiciliar aquí su nómina y los recibos más
frecuentes.
5. GAEL: Ya contaba con eso.
6. DIRECTORA: Además, deberá contratar con nosotros el seguro de la casa y un
seguro de vida para usted.
7. GAEL: Sí, en otros bancos me piden lo mismo.
8. DIRECTORA: Para poder hacer el estudio, me tiene que traer las tres últimas
nóminas y nosotros enviaremos al tasador a la vivienda que desea
comprar.
9. GAEL: ¿Cuánto tardarán en darme su respuesta?
10. DIRECTORA: Dos o tres semanas, aunque podría retrasarse.
And now with the translation. Ahora incluiremos la traducción.
1. GAEL: Buenos días. Vengo a informarme para pedir una hipoteca para la
compra de una vivienda.
1. GAEL: Good morning. I've come to get informed so that I can request a
mortgage to buy a house.
2. DIRECTORA: Buenos días. Ya sabrá que ahora mismo las condiciones son más
duras que hace unos meses.
2. DIRECTORA: Good morning. You must already know that the conditions right now
are tougher than they were a few months ago.
3. GAEL: Sí, lo sé, pero he hecho números, y creo que puedo cumplirlas.
3. GAEL: Yes, I know, but I've gone through the numbers, and I think I meet
the conditions.
4. DIRECTORA: En primer lugar deberá domiciliar aquí su nómina y los recibos más
frecuentes.
4. DIRECTORA: First of all, you should set up direct deposit here and bring
your most frequent bills.
5. GAEL: Ya contaba con eso.
5. GAEL: I was already planning on that.
6. DIRECTORA: Además, deberá contratar con nosotros el seguro de la casa y un
seguro de vida para usted.
6. DIRECTORA: Moreover, with us you should get property insurance and life
insurance for yourself.
7. GAEL: Sí, en otros bancos me piden lo mismo.
7. GAEL: Right. In the other banks, they asked me to do the same.
8. DIRECTORA: Para poder hacer el estudio, me tiene que traer las tres últimas
nóminas y nosotros enviaremos al tasador a la vivienda que desea
comprar.
8. DIRECTORA: In order to be able to carry out the study, you need to bring me your
three most recent pay-stubs, and we will send the assessor to the
house which you wish to purchase.
9. GAEL: ¿Cuánto tardarán en darme su respuesta?
9. GAEL: How long will you take to give me a response?
10. DIRECTORA: Dos o tres semanas, aunque podría retrasarse.
10. DIRECTORA: Two or three weeks, although it could get held up.
POST CONVERSATION BANTER
Megan: David, so when you bought your house, did you have a conversation like this at the bank?
David: Sí, cuando me compré mi casa tuve que hablar con la directora de mi banco. Pero no fue tan dramático como esta conversación.
Megan: Ah so when you bought your house, you had to talk to the director of the bank but it wasn’t as dramatic as this.
David: Right.
Megan: Because I guess the economy wasn’t about to crash like it is now.
David: A punto de derrumbarse. Wow, you sound a bit exaggerated.
Megan: I don’t think so. It’s very hard to get a loan right now.
David: Pero tienes razón las condiciones eran muy distintas.
Megan: Right. The conditions to get a mortgage were very different at that time. Okay now that we’ve gone through the conversation, what do you say we run through some of the vocabulary?
David: Me parece una buena idea. Sounds like a very good idea.
VOCAB LIST
Megan: Okay so let’s move on to the vocabulary section of today’s PDF lesson guide. Now we are going to start out with a verb.
David: informar
Megan: To inform.
David: in-for-mar, informar
Megan: Okay now we have a noun.
David: hipoteca
Megan: Mortgage.
David: hi-po-te-ca, hipoteca
Megan: Okay now we have a noun again.
David: vivienda
Megan: House or apartment.
David: vi-vi-en-da, vivienda
Megan: And now we have a verb.
David: domiciliar
Megan: To set up direct deposit.
David: do-mi-ci-li-ar, domiciliar
Megan: And a noun.
David: nómina
Megan: Pay stub
David: nó-mi-na, nómina
Megan: And now we are going to look at a noun.
David: seguro
Megan: Insurance.
David: se-gu-ro, seguro
Megan: And now a noun.
David: tasador
Megan: Assessor.
David: ta-sa-dor, tasador
Megan: And finally a verb.
David: tardar
Megan: To get held up.
David: tar-dar, tardar
VOCAB AND PHRASE USAGE
Megan: Okay David, well why don’t you give us a little pronunciation tip out of all these different words that we heard?
David: Very good. So, hoy tenemos un ejemplo de H muda.
Megan: La H muda, which is an example of the silent H. That’s in the word - hipoteca - which means mortgage right?
David: Right, como seguramente sabéis ya, cuando tienes que pronunciar esta palabra no tienes que preocuparte sobre cómo pronunciar la H, the H.
Megan: Right. When you pronounce this word, you don’t have to worry about pronouncing the H at all. It’s totally silent.
David: Right and en español, simplemente no se pronuncia la H.
Megan: Right. La H you don’t pronounce it unless it’s in between two different syllables but we will see that some other day. And also another example when you do pronounce the H, when it has an effect after the C, when you have the J.
David: Muy bien eso es Megan. Do you know an example for la CH
Megan: la CH - churros. My favorite example. Little fried pieces of dough.
David: Muy bien vamos a ver algo de vocabulario y cómo utilizarlo con algunos ejemplos.
Megan: Okay now we are going to get into some vocabulary and use some examples to help you get a feel for the words.
David: Empecemos con hipoteca.
Megan: This means mortgage and is derived from the verb - hipotecar - which means to mortgage.
David: En la conversación de hoy la escuchamos en el siguiente ejemplo - Vengo a informarme para pedir una hipoteca.
Megan: In today’s conversation, we heard it in the example, I’ve come to get informed so that I can request a mortgage.
David: Muy bien pasemos a la siguiente. Vivienda.
Megan: This feminine noun can mean house but it’s not quite that specific. It can also refer to an apartment or any place where someone lives. Note the root VIR. We need to recognize that this is the same that you would see in the verb VIVIR to live.
David: Y en la conversación de hoy la escuchamos en la siguiente frase. Vengo a informarme para pedir una hipoteca para la compra de una vivienda.
Megan: I’ve come to get informed so that I can request a mortgage to buy a house. That’s where we heard it in this week’s dialogue.
David: Muy bien pasamos a - domiciliar
Megan: Domiciliar - is a pretty technical word but you will hear it a lot here in Spain. It means to set up a direct deposit and that means that you have your paycheck deposited directly into a bank account. To help you remember this word and what it means, remember the word - domicilio - which means your residence or home and again the root of this word is dom from domo in Latin which means house, which is the word for - casa - and we can associate this with the word in English domestic. So that’s where that comes from.
David: Right so - En la conversación de hoy escuchamos lo siguiente - Deberá domiciliar aquí su nómina y los recibos más frecuentes.
Megan: You should set up a direct deposit here and bring your most frequent bills. That’s how - domiciliar - showed up in this week’s dialogue.
David: Pasamos a la palabra - nómina.
Megan: This is a feminine noun that means paycheck or a paystub. Here is the etymology tip of the day. The word - nómina - comes straight from Latin and there it means “name” a - nómina is a name like - nombre. That’s where the word - nombre - comes from in Spanish. We saw this word - nómina - in our last example.
David: Deberá domiciliar aquí su nómina y los recibos más frecuentes.
Megan: You should set up direct deposit here and bring your most frequent bills.
David: Y por último tenemos la palabra tasador.
Megan: Tasador - means appraiser or assessor and here we mean a real estate assessor. There are two words to learn in relation to this. First the verb - tasar - which means to appraise and then the feminine noun - tasa - which is an appraisal though sometimes - tasa - can also be a little fee that you pay.
David: Yeah or some kind of tax.
Megan: Yeah I have had to do that before and so - un tasador - or - una tasadora - is simply the person who carries out that action.
David: Eso es. I aquí tenéis un ejemplo cojido de la conversación. Enviaremos al tasador a la vivienda que desea comprar.
Megan: We will send the assessor to the house which you wish to purchase.
...
David: Muy bien. Pues pasamos al punto de gramática de hoy. Son las conjunciones adversativas.
Megan: Adversative conjunctions.
David: Y son las conjunciones que oponen dos elementos y establecen una objeción.
Megan: They put two different elements into a situation of opposition. The first kind of adversative expression that we are going to see is exclusive adversatives.
David: Las adversativas exclusivas. Son aquellas en las que la relación es de tal naturaleza que uno de los términos excluye al otro. Se construyen con - si no.
Megan: In these constructions, you see the word - instead.
David: Un ejemplo - No son lobos sino perros.
Megan: In English, we might say they are not wolves, they are dogs without a conjunction or you could say they are not wolves, instead they are dogs and that instead would be taking the place of - si no.
David: También se emplean como adversativas exclusivas otras palabras de distinto origen como - menos, antes - que son adverbios. Salvo, excepto - que son participios. Por ejemplo - Todos los libros, menos este.
Megan: All of the books with the exception of this book.
David: O, - Cada día excepto el lunes.
Megan: Every day except Monday.
David: El otro tipo de adversativas son las restrictivas.
Megan: The next type of adversative conjunction are the restrictive adversative conjunctions.
David: En este caso establecen una objeción, no una exclusión.
Megan: In this case, they restrict the meaning and they don’t exclude a certain meaning.
David: Algunos ejemplos donde vemos este tipo de adversativas - Es bueno pero extraño.
Megan: But strange.
David: O - Es fuerte aunque lento.
Megan: He is strong yet slow. Okay now it’s time for your tarea - your homework.
David: Qué, ¿os pensábais que esto iba a ser todo?
LESSON FOCUS
Megan: Umm did you think that was it? No, no, no. In today’s grammar point, we’ve studied - Conjunciones adversativas. Now we are going to test you to make sure that you really understand. We are going to give you a short sentence in Spanish and this sentence will contain some kind of adversative conjunction in it. Your job is to translate the phrase into English and figure out which kind it is whether it’s adversative and exclusive or adversative and restrictive. Are you ready?
David: Allá vamos - Número 1) Hace calor pero frío a la vez. Número 2) Es un proceso rápido aunque aburrido. Número 3) Ella no es mi hermana si no mi prima. Número 4) Todo está preparado salvo la comida. Número 5) Todos llegaron menos mi hermano.
Megan: Okay now remember people, you can always check out the answers with comments on the answers in the premium audio track called - Tarea, homework.
David: Tenéis que aplicar lo que habéis aprendido.
Megan: We have to apply what we learned so we keep learning right? Okay now remember that these lessons are designed to be used in tandem with the language tools in the premium learning center at spanishpod101.com. So if you don’t already have a premium membership, you can sign up for a free 7-day trial and see what it’s all about.
David: Bueno amigos eso ha sido todo por hoy.
OUTRO
Megan: That’s going to be it for today and don’t forget that now it’s not the best time to be asking for a mortgage, right David?
David: Es verdad, tal vez sea mejor pensar en alquilar.
Megan: Yeah why not to think about renting a house, that’s what I do. Okay bye.
David: Adiós.

Dialogue - Bilingual

Tarea

Vocabulary

10 Comments

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SpanishPod101.com
Wednesday at 6:30 pm
Pinned Comment
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Thanks to Herman Pearl for the music in today’s lesson. Any questions about the use of Adversative conjunctions?

SpanishPod101.comVerified
Tuesday at 11:48 am
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Hola Silkka,


Thank you for your comment.

"tardar" literally means "to delay"

In the line by line, ¿Cuánto tardarán en darme su respuesta?, "tardar" is in its future form. "will take" because of the context of the conversation and the question this is not translated as "will delay". The most appropriate translation is "How long will you take to give me a response?".


Saludos,

Carla

Team SpanishPod101.com

Silkka
Monday at 1:48 am
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I am confused. In the line by line, the translation for tardar is to how long will it take. In the vocabulary, the translation for tardar is to get delayed. Which is correct? Please advise. Thanks.

Harlan Wolfe
Tuesday at 4:48 am
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Thanks for the link repair, Jae.

SpanishPod101.comVerified
Monday at 11:12 am
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Hi Harlan,


Thank you for reporting the issues.


We've fixed the link to the Adversative conjunctions. About the learning center, please click "2.Lesson Materials" right below the audio links on this page.


Thank you again,

Jae

Team SpanishPod101.com

Harlan Wolfe
Thursday at 2:40 am
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For me, neither the link to "Adversative conjunctions" nor "learning center" worked though the other links did.

SpanishPod101.comVerified
Friday at 5:26 pm
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¡Hola a todos!


Thanks for the comments!

Adriana, I'm really sorry about it. :oops:

But we uploaded the Line-by-Line audio already. :wink: Thank you for your patience!


Please continue enjoying SpanishPod101.com!


Paloma

Team SpanishPod101

Adriana
Thursday at 4:27 am
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you don't have button for 'line by line'...

mariposa
Friday at 4:29 am
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Tambien gusté mucho. Ya sé que es y será una de mis series preferidas.:smile:

gracias

Joeseph
Wednesday at 10:58 pm
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Megan and David,


Great lesson! It's so nice to have Iberian Spanish back in the mix, and at the Lower Intermediate Level! I think we can only expect good things to come out of this series. Keep up the good work!


Joseph