商务翻译(英译汉)Unit 8 A Life Saver or a Life Sentence

Some might say that if house prices continue to rise in excess of earnings, the only way repayments can remain affordable is by increasing the term of the loan. But others will say this is a ticking timebomb, (reminiscent of the tactics used by those loan consolidation companies that offer people the chance to bring all their debts together into “one easy payment” that is substantially less than their current monthly payments) — but which do this by spreading them over a much longer period, meaning more interest is paid.
3. Television, it is often said, keeps one informed about current events, allows one to follow the latest developments in science and politics, and offers an endless series of programs which are both instructive entertaining. 【结构分析】从句主语带有三个并列的谓语keeps...，allows...， and offers... 构成一个三项并列结构，第二个三项中又各有一小的二项 并列结构。 【参考译文】人们常说，电视使人们了解最近发生的大事，使人 跟上最新科学和政治的发展，并向人们提供无终止的既有教育意义又 有娱乐性的节目。
?参考译文人们常说过科学家基于归纳法和演绎法工作借助于这些方法在某种意义上说设法从自然界找出某些自然规律然后根据这些规律用他们自己特殊的技能逐步建立起自己的理论
商务翻译（英译汉）Unit 8 A Life Saver or a Life Sentence
【Translation】
Growing numbers of first-time buyers desperate to get on the housing ladder but struggling to afford sky-high house prices are being encouraged to tie themselves into mortgages lasting 35, 40 or even 45 years. With today’s buyers requiring ever-larger home loans, some banks and building societies have come up with a clever trick for bringing the dream of home ownership within their reach: increasing the term of the loan in order to reduce the monthly payments. But it’s a trick with a nasty catch. While your monthly outlay will be lower, by the time the deal comes to an end you’ll have paid far more — perhaps an extra BP 150, 000 — than if you had a standard 25-year mortgage.
以下结合例句来讲解。
1. There is no agreement whether methodology refers to the concepts peculiar to historical work in general or to the research techniques appropriate to the various branches of historical inquiry. 【结构分析】根据句子结构和语意分析，这个句子可分 成5段：主句（There is no....）+从句（whether...）+后置定 语（peculiar to...）+选择性并列从句（or....）+后置定语 （appropriate to....）。从语意上讲，主句讲的是结果，从句 说的是细节。根据汉语的表达习惯，译文的表达顺序正好与 原文相反。 【参考译文】方法论是指一般的历史研究中特有的概念， 还是指历史研究中各个具体领域适用的研究方法，人们对此 意见不一。
【Tips for Translation】
重心的转移 —— 长句与难句（一） 中英文语法结构不同，英文可随时插入定语， 对名词作进一步的阐述；插入状语，对谓语动 词加以修饰和限制，逐渐形成结构复杂、逻辑 严密的长句。中文句子多简短，有主次先后， 逐点交代，层层铺开。语言结构的不同致使英 文长句汉译有一定的难度。有经验的译者在实 践中摸索出种种拆译的方法，认为要翻译英文 中长得像火车似的句子，就必须把它切成一节 一节地来译，故采用拆译法是解决问题的有效 途径。
4. You have all heard it repeated that men of science work by means of induction and deduction, that by the help of these operations, they, in a sort of sense, manage to extract from Nature certain natural laws, and that out of these, by some special skill of their own, they build up their theories. 【结构分析】如能看出此句所涉及的并列结构...that..., that..., and that...，即可以说解决了此句的关键疑难点。因此，遇到长句如能 查看一下是否有并列结构很重要。 【参考译文】人们常说过，科学家基于归纳法和演绎法工作，借 助于这些方法，在某种意义上说，设法从自然界找出某些自然规律， 然后根据这些规律，用他们自己特殊的技能逐步建立起自己的理论。
For example, they do not compensate for gross social inequality, /and thus do not tell/how able an underprivileged youngster might have been/had he grown up under more favorable circumstances. 由于每一小段包含一个意群，切分后我们就可以试译为： 例如，它们不能弥补巨大的社会不公，因此不能说明一个物质条件 差的年轻人会有多大才干，如果他在较好的环境中长大。 我们认为这样的译文可以说已经很清楚，汉语也基本过得去，但仔 细检查下，我们仍然发现汉语表达中还有英语的影子，那就是表示条件 “如果……”放句子最后不大符合汉语的表达习惯，因此建议可以调整为： 【参考译文】例如，测试并不弥补明显的社会不公，因此它们不能 说明一个物质条件差的年轻人，如果在较好的环境下成长的话，会有多 大的才干。
2. For example, they do not compensate for gross social inequality, and thus do not tell how able an underprivileged youngster might have been had he grown up under more favorable circumstances. 【结构分析】这句话长达31个单词。从结构上讲，它是主句（they do not...）+并列谓语（and thus do not...）+宾语从句（how able an underprivileged youngster might...）+条件状语从句（had he...）；从 语义上讲，它有四层意思：“不能……因此……不能会有多大的才干…… 如果……”。根据对这个句子的结构分析和语意分析，我们可以把它切分 成四个小段：
Hale Waihona Puke 但是这种月供也是有代价的。25年后，你 总共支付的钱为394,241英镑。但是选择40年 贷款，总房贷为549,931英镑。
一些人也许会说如果房屋价格继续上涨超 过收入的话，那么唯一负担得起的还款方法 就是延长贷款期限。但是也有人说这样做是 埋下了定时炸弹，这使人想起了那些债务合 并公司所使用的手段——把所有的债务合而为 一，债务人每月还款额就会大大减少。把时 间拉长也就意味着支付更多的利息。
On the face of it, the maths of mortgage stretching looks pretty good. If you signed up for a BP 200,000 home loan to be paid back over 25 years, you would pay BP 1,140 a month in the first two years and BP 1,329 a month for the remainder of the term, assuming a two-year tracker rate of 4.79% which then converts into a 6.5% standard rate. That monthly repayment after two years falls to BP 1,157 — a saving of BP 172 a month or more than BP 2,000 a year — if you increase the term to 40 years. For those with tight finances, that BP 172 a month saving could be the difference between getting on the property ladder and being forced to continue renting. But those lower payments come at a price. After 25 years, you would have handed over a total of BP 394,241 in mortgage payments, based on the above example. But with a 40-year term, the total amount repaid soars to BP 549,931.
【Version for Reference】
一朝买房，终生还贷 ？
越来越多急于步入有房者行列但无法负担高额房款的第一次 购房者在银行的怂恿下，背负上长达35年、40年甚至45年的 按揭贷款。由于今天的购房者需要越来越多的住房贷款，一 些银行和房屋互助协会便想出了一个绝妙的计策，让拥有住 房的梦想成真：延长贷款期限，从而降低月供。 不过，这有一个蹊跷之处。虽然月供低了，但是等到最后还 款结束，你支付的钱可能比你申请一般的25年期按揭贷款多 得多——可能要增加15万英镑。 如果你将期限延长到40年，两年后的月供就将下降到1,157 英镑——每月少交172英镑，每年少支付2,000多英镑。对于 财务状况紧张的人来说，每月省下172英镑就可能决定他是步 入有房一族的行列还是继续被迫租房。