Pratique du Shadowing: How To Buy A House Explained with Bananas - Apprendre l'anglais à l'oral avec la vidéo
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164 phrases
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Monkey wants to own home, but how does
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Monkey buy home?
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There are a few options.
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Option one, be rich.
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I really want my own place.
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I don't understand.
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If you want the house, just buy it.
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Oh, okay.
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Your card was declined.
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Option two, inherit
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Monkey's parents' house.
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Monkey's parents have a home, but Monkey's parents are still alive, and taking them out would be financially unwise.
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What?
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I was just kidding.
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Kidding about what, son?
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Nothing.
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Option three, monkey gets a loan from monkey bank.
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This called a mortgage.
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A mortgage is a loan monkey banks give to monkeys to buy house.
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Monkeys then pay back monkey bank in small amounts over time, usually 15 to 30 years.
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So since monkey isn't rich and monkey's parents are still alive, pesky parents, monkey decides to get a mortgage,
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but the monkey bank won't give loans to just any monkey.
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What do you think this is?
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The 1920s?
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They first have to check if monkey can pay back the loan.
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Monkey needs to have a stable job, a good credit score, and enough leaves to put down a deposit.
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A deposit's usually about 10 to 20 % of the total loan.
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It's a show of good faith and that
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Monkey at least has some leaves.
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So if house costs 1 million leaves, Monkey would need to pay at least 100 ,000 leaves as a deposit.
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Then if everything is looking up, Monkey banks will pre -approve
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Monkey for a mortgage.
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Pre -approval means
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Monkey is now able to go house shopping.
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So Monkey takes a look around the jungle housing market.
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Some houses look good, but in bad location.
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Some houses in good location, but look bad
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and some houses just aren't quite right eventually monkey finds house that's perfect banana house rare banana house valuable
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so monkey makes an offer but so do other monkeys sometimes
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if enough monkeys make offers the banana real estate will host an auction
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this is a public meeting for monkeys who all want to
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buy the same house the auctioneer monkey will start with an
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opening price the starting bid is 400 000 leaves do i hear 400 000
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then monkeys will shout out their bid 400 ,000.
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I hear 400.
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400 ,000.
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450 ,000.
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450 ,000.
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475 ,000.
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475 ,000.
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Do you take banana express?
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475. Do I hear 500?
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500. 500.
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500. Do I hear more than 500?
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500, 1 ,000.
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Come on.
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1 million leads.
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Going once.
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Going twice.
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Three times.
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Sold to the monkey in the back.
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Then, when there are no higher bids, the monkey with the highest offer buys the house.
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But in most cases, auctions aren't necessary and Monkees will simply make an offer on the house, which the seller will either accept or decline.
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Would you take 999 ,999 leaves?
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Mmm, deal!
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Then Monkees signs paperwork and gets the keys.
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Now Monkees just has to pay back the leaves he borrowed from Monkees Bank over the next 30 years.
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Monkees will also have to pay the Monkees Bank interest.
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Interest is the cost of borrowing leaves.
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The Monkees Bank will offer Monkees a fixed interest rate or an adjustable interest rate.
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A fixed rate, much like Monkees' love for bananas, will always stay the same.
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an adjustable rate much like monkey riding an elevator goes up and down
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the monkey bank will give monkey a lower interest rate
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if they trust them to pay back the leaves
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and a higher interest rate
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if they're not too sure speaking of trust today's sponsor is
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cape cape is america's privacy first mobile carrier monkey is sick of at &t verizon
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and t -mobile leaking or selling monkeys data cape is the only privacy focused carrier
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that runs its own mobile core which gives more control over account authentication
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and how call logs are collected
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and stored monkey doesn't want someone in the walls listening to all the monkeys conversations
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but cape only takes the minimum possible amount to get
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you set up with their service they don't even ask for monkey's address
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they also don't ask for monkey's name ssn email
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or any other personal information so they couldn't sell monkey's personal data even
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if they wanted to because they don't collect it cape defends against sim swap attacks, signaling hacks, voicemail theft, the works.
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Even new features like identifier rotation, making it far more difficult for anyone to track Monkey's movements.
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Just like Monkey's new house, Monkey is safe with Cape because hackers can't get in.
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And even if Monkey wants to travel abroad, Cape's international roaming uses home routing,
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which means Monkey's calls and texts are sent back through Cape's secure core network, not the local network of the country Monke's visiting.
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You can learn more about Cape with the link in the description below
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and get 33 % off your first six months with promo code PRIMATE33.
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And thanks to Cape for sponsoring this video.
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There's also some fees.
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Funky Kong, give me a beat.
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Oh yeah, Funky Kong, Funky Ken.
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Uh, yeah.
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Application fee.
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First hit of the day.
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Monkey Bank say, pay this just to see if you can pay.
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Appraisal fee.
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Next, gotta check that price.
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Is the house worth the leaves?
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Bank don't roll no dice.
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Inspection fees.
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Yeah, they crawl through the place.
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Looking for termites, trying to eat your space.
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Origination fee.
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That's the bank's little cut.
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For making your loans so your deal don't bust.
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Credit report fee, they digging your past.
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Checking if you pay your bills slow or fast.
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Title search fees.
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They look deep inside.
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Make sure no old owner gonna slide back inside.
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Title insurance.
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Yeah, that legal shield.
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If someone claims your house, they gotta yield.
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Lawyer fees, baby.
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That's contracts and pens.
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Keeping you safe so the deal don't end.
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Recording fees.
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The government has agreed.
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Gotta pay.
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Pay to make your name to go on that deed.
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Transfer tax.
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Yeah, monkey government takes a bite.
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Save your bananas.
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There's no use to fight.
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Mortgage insurance.
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If you deposit too thin, banks say pay this so we feel safe within.
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And finally, closing costs.
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Last minute fees.
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Gotta pay them before you get your keys.
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Yeah, there's more fees than grass in the savannah.
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But it don't matter when your crib is a banana.
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So many fees sprouting like trees on my knees in a wheeze.
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Ain't no ease.
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Please, just want to freeze those fees coming like fleas.
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Like bees.
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Oh, jeez.
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Don't tease.
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Just need those keys.
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Oh, oh, oh, ah!
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Pros and cons of mortgages.
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Mortgages help monkeys get into the banana housing market.
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Monkeys don't need to pay all the leaves up front and instead can pay small amounts over a long time.
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Monkeys can also apply for a mortgage with a partner, friend, cousin, even a complete stranger, as long as they can both pay for it.
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But if monkeys still struggling to pay back leaves, monkey can rent out a room in banana house.
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When monkeys pay their mortgage on time, their credit score goes up and monkey banks trust them more.
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And Monkey's house will likely grow in value over time, which means when it's all paid for,
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Monkey can sell it for more than Monkey bought it.
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But mortgages aren't always easy.
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I mean, the literal translation of the word mortgage is death pledge.
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Monkey will be in debt to Monkey Bank for a long time.
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If Monkey has an adjustable interest rate, leaf payments can rise a lot, quickly and suddenly.
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But even if Monkey has a fixed interest rate, Monkey will still end up paying a lot of leaves to Monkey Bank,
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often more than the original price of Banana House.
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And if Monkey can't pay, the Monkey Bank will take
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Monkey's house back.
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Monkey understands buying a house isn't easy, but it can't be that difficult, can it?
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Let's take a look at the current housing market today.
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Oh my God, what the?
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Thank you.
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Vocabulaire et conseils d’expression pour cette leçon
Cette leçon d’expression orale s’appuie sur la vidéo « How To Buy A House Explained with Bananas ». Les mots qui reviennent le plus souvent : monkey, bank, fee, leaves, mortgage. Cette vidéo contient 157 phrases et 1305 mots à répéter en shadowing. La partie parlée dure 6:57. Le locuteur parle vite, environ 188 mots par minute : attendez-vous à des liaisons et à des sons réduits. Seuls 78 % des mots font partie des 3 000 mots les plus courants en anglais, le vocabulaire est donc exigeant.
Vocabulaire clé de cette vidéo
15 mots de la vidéo à retenir, avec leur prononciation et leur sens :
| Mot | Prononciation | Sens |
|---|---|---|
| monkey nom | /ˈmʌŋki/ | singe, guenon |
| leaf nom | /lif/ | feuille |
| mortgage nom | /ˈmoɹ.ɡɪd͡ʒ/ | hypothèque |
| banana nom | /bəˈnænə/ | banane, bananier |
| cape nom | /keɪp/ | cap |
| deposit nom | /dɪˈpɑ.zɪt/ | dépôt, gisement |
| adjustable adjectif | /əˈd͡ʒʌstəbəl/ | ajustable, réglable |
| decline verbe | /dɪˈklaɪn/ | décliner, péricliter |
| collect verbe | /ˈkɑlɪkt/ | rassembler, recueillir |
| privacy nom | /ˈpɹaɪ.və.si/ | intimité, vie privée |
| auction nom | /ˈɔkʃən/ | enchères, vente aux enchères |
| sponsor nom | /ˈspɒn.səː/ | commanditaire, sponsor |
| stable nom | /ˈsteɪ.bəl/ | étable, écurie |
| defend verbe | /dɪˈfɪnd/ | défendre |
| thin adjectif | /ˈθɪn/ | mince |
Les verbes à particule que vous entendrez
| Mot | Prononciation | Sens |
|---|---|---|
| pay back verbe | /peɪ bæk/ | rembourser, rendre |
| go up verbe | monter, s'élever | |
| end up verbe | se terminer, se finir | |
| get off verbe | descendre, faire descendre | |
| look around verbe | regarder autour de soi | |
| put down verbe | médire |
Des phrases à répéter
Des phrases courtes et complètes de la vidéo, à réutiliser dans la conversation de tous les jours :
- What do you think this is?
- Do you take banana express?
- For making your loans so your deal don't bust.
- Keeping you safe so the deal don't end.
La grammaire de cette vidéo
Les structures que le locuteur utilise le plus, avec les mots exacts de la vidéo :
| Structure | Dans la vidéo |
|---|---|
| Voix passive be + participe passé — l’accent est mis sur ce qui arrive, pas sur qui le fait | was declined · are collected · are sent |
| Futur avec « will » will + verbe — une décision, une promesse ou une prédiction | won't give · will pre · will host |
| Obligation : must / have to / need to dire qu’une chose est nécessaire | have to check · needs to have · need to pay |
Prononciation à surveiller
Le locuteur utilise 28 contractions et formes réduites, comme don't, gotta, aren't. Prononcez-les sous leur forme courte, telles que vous les entendez.
- Les sons « th »: thin /ˈθɪn/, theft /θɛft/, authentication /ɔːˌθɛntɪˈkeɪʃn̩/
- Les sons « sh » et « zh »: auction /ˈɔkʃən/, translation /tɹænzˈleɪʃən/, shield /ˈʃild/, inspection /ɪnˈspɛkʃən/, rotation /ɹoʊˈteɪʃən/
- Mots longs — placez bien l’accent: adjustable /əˈd͡ʒʌstəbəl/, elevator /ˈɛləˌveɪtɚ/, authentication /ɔːˌθɛntɪˈkeɪʃn̩/
Les sons difficiles pour les francophones :
- /h/ — il se souffle, il n’est pas muet: hacker /hækəɹ/, inherit /ɪnˈhɛɹɪt/
- /tʃ/ et /dʒ/ — à ne pas adoucir en « ch » et « j »: mortgage /ˈmoɹ.ɡɪd͡ʒ/, adjustable /əˈd͡ʒʌstəbəl/, jungle /ˈd͡ʒʌŋ.ɡ(ə)l/, pledge /plɛd͡ʒ/, geez /d͡ʒiːz/
- /r/ anglais — langue recourbée, sans frotter la gorge: mortgage /ˈmoɹ.ɡɪd͡ʒ/, privacy /ˈpɹaɪ.və.si/, carrier /ˈkæɹi.ɚ/, abroad /əˈbɹɔːd/, translation /tɹænzˈleɪʃən/
Comment s’entraîner avec cette vidéo
- Écoutez la vidéo en entier une fois sans parler et notez les mots que vous ne connaissez pas.
- Commencez à la vitesse 0,75×, répétez phrase par phrase, puis revenez à la vitesse normale quand cela devient facile.
- Enregistrez-vous et comparez avec l’original, en faisant attention à des mots comme monkey, leaf, mortgage.
Qu'est-ce que la technique du Shadowing ?
Le Shadowing est une technique d'apprentissage des langues fondée sur la science, développée à l'origine pour la formation des interprètes professionnels. Le principe est simple mais puissant : vous écoutez de l'anglais natif et le répétez immédiatement à voix haute — comme une ombre suivant le locuteur avec un décalage de 1 à 2 secondes. Les recherches montrent une amélioration significative de la précision de la prononciation, de l'intonation, du rythme, des liaisons, de la compréhension orale et de la fluidité.