Практика Shadowing: How To Buy A House Explained with Bananas - Изучайте разговорный английский по видео

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Monkey wants to own home, but how does

Monkey buy home?

There are a few options.

Option one, be rich.

I really want my own place.

I don't understand.

If you want the house, just buy it.

Oh, okay.

Your card was declined.

Option two, inherit

Monkey's parents' house.

Monkey's parents have a home, but Monkey's parents are still alive, and taking them out would be financially unwise.

What?

I was just kidding.

Kidding about what, son?

Nothing.

Option three, monkey gets a loan from monkey bank.

This called a mortgage.

A mortgage is a loan monkey banks give to monkeys to buy house.

Monkeys then pay back monkey bank in small amounts over time, usually 15 to 30 years.

So since monkey isn't rich and monkey's parents are still alive, pesky parents, monkey decides to get a mortgage,

but the monkey bank won't give loans to just any monkey.

What do you think this is?

The 1920s?

They first have to check if monkey can pay back the loan.

Monkey needs to have a stable job, a good credit score, and enough leaves to put down a deposit.

A deposit's usually about 10 to 20 % of the total loan.

It's a show of good faith and that

Monkey at least has some leaves.

So if house costs 1 million leaves, Monkey would need to pay at least 100 ,000 leaves as a deposit.

Then if everything is looking up, Monkey banks will pre -approve

Monkey for a mortgage.

Pre -approval means

Monkey is now able to go house shopping.

So Monkey takes a look around the jungle housing market.

Some houses look good, but in bad location.

Some houses in good location, but look bad

and some houses just aren't quite right eventually monkey finds house that's perfect banana house rare banana house valuable

so monkey makes an offer but so do other monkeys sometimes

if enough monkeys make offers the banana real estate will host an auction

this is a public meeting for monkeys who all want to

buy the same house the auctioneer monkey will start with an

opening price the starting bid is 400 000 leaves do i hear 400 000

then monkeys will shout out their bid 400 ,000.

I hear 400.

400 ,000.

450 ,000.

475 ,000.

Do you take banana express?

475. Do I hear 500?

500. 500.

500. Do I hear more than 500?

500, 1 ,000.

Come on.

1 million leads.

Going once.

Going twice.

Three times.

Sold to the monkey in the back.

Then, when there are no higher bids, the monkey with the highest offer buys the house.

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.

Would you take 999 ,999 leaves?

Mmm, deal!

Then Monkees signs paperwork and gets the keys.

Now Monkees just has to pay back the leaves he borrowed from Monkees Bank over the next 30 years.

Monkees will also have to pay the Monkees Bank interest.

Interest is the cost of borrowing leaves.

The Monkees Bank will offer Monkees a fixed interest rate or an adjustable interest rate.

A fixed rate, much like Monkees' love for bananas, will always stay the same.

an adjustable rate much like monkey riding an elevator goes up and down

the monkey bank will give monkey a lower interest rate

if they trust them to pay back the leaves

and a higher interest rate

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but cape only takes the minimum possible amount to get

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they also don't ask for monkey's name ssn email

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There's also some fees.

Funky Kong, give me a beat.

Oh yeah, Funky Kong, Funky Ken.

Uh, yeah.

Application fee.

First hit of the day.

100

Monkey Bank say, pay this just to see if you can pay.

101

Appraisal fee.

102

Next, gotta check that price.

103

Is the house worth the leaves?

104

Bank don't roll no dice.

105

Inspection fees.

106

Yeah, they crawl through the place.

107

Looking for termites, trying to eat your space.

108

Origination fee.

109

That's the bank's little cut.

110

For making your loans so your deal don't bust.

111

Credit report fee, they digging your past.

112

Checking if you pay your bills slow or fast.

113

Title search fees.

114

They look deep inside.

115

Make sure no old owner gonna slide back inside.

116

Title insurance.

117

Yeah, that legal shield.

118

If someone claims your house, they gotta yield.

119

Lawyer fees, baby.

120

That's contracts and pens.

121

Keeping you safe so the deal don't end.

122

Recording fees.

123

The government has agreed.

124

Gotta pay.

125

Pay to make your name to go on that deed.

126

Transfer tax.

127

Yeah, monkey government takes a bite.

128

Save your bananas.

129

There's no use to fight.

130

Mortgage insurance.

131

If you deposit too thin, banks say pay this so we feel safe within.

132

And finally, closing costs.

133

Last minute fees.

134

Gotta pay them before you get your keys.

135

Yeah, there's more fees than grass in the savannah.

136

But it don't matter when your crib is a banana.

137

So many fees sprouting like trees on my knees in a wheeze.

138

Ain't no ease.

139

Please, just want to freeze those fees coming like fleas.

140

Like bees.

141

Oh, jeez.

142

Don't tease.

143

Just need those keys.

144

Oh, oh, oh, ah!

145

Pros and cons of mortgages.

146

Mortgages help monkeys get into the banana housing market.

147

Monkeys don't need to pay all the leaves up front and instead can pay small amounts over a long time.

148

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.

149

But if monkeys still struggling to pay back leaves, monkey can rent out a room in banana house.

150

When monkeys pay their mortgage on time, their credit score goes up and monkey banks trust them more.

151

And Monkey's house will likely grow in value over time, which means when it's all paid for,

152

Monkey can sell it for more than Monkey bought it.

153

But mortgages aren't always easy.

154

I mean, the literal translation of the word mortgage is death pledge.

155

Monkey will be in debt to Monkey Bank for a long time.

156

If Monkey has an adjustable interest rate, leaf payments can rise a lot, quickly and suddenly.

157

But even if Monkey has a fixed interest rate, Monkey will still end up paying a lot of leaves to Monkey Bank,

158

often more than the original price of Banana House.

159

And if Monkey can't pay, the Monkey Bank will take

160

Monkey's house back.

161

Monkey understands buying a house isn't easy, but it can't be that difficult, can it?

162

Let's take a look at the current housing market today.

163

Oh my God, what the?

164

Thank you.

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Лексика и советы по произношению к этому уроку

Этот урок разговорной практики построен на видео «How To Buy A House Explained with Bananas». Чаще всего повторяются слова: monkey, bank, fee, leaves, mortgage. В этом видео 157 предложений и 1305 слов для шедоуинга. Речь длится 6:57. Говорящий говорит быстро, около 188 слов в минуту, поэтому звуки часто сливаются и сокращаются. Только 78% слов входят в 3000 самых частых слов английского языка, поэтому лексика сложная.

Ключевая лексика этого видео

15 слов из видео, которые стоит выучить, с произношением и значением:

Слово	Произношение	Значение
monkey существительное	/ˈmʌŋki/	обезья́на
leaf существительное	/lif/	лист, ли́стья
mortgage существительное	/ˈmoɹ.ɡɪd͡ʒ/	ипоте́ка
banana существительное	/bəˈnænə/	бана́н, бана́новое де́рево
cape существительное	/keɪp/	мыс, нос
deposit существительное	/dɪˈpɑ.zɪt/	месторожде́ние, за́лежь
decline глагол	/dɪˈklaɪn/	спада́ть
collect глагол	/ˈkɑlɪkt/	собира́ть, собра́ть
privacy существительное	/ˈpɹaɪ.və.si/	уедине́ние, прива́тность
carrier существительное	/ˈkæɹi.ɚ/	носи́тель, носи́тельница
auction существительное	/ˈɔkʃən/	аукцио́н
sponsor существительное	/ˈspɒn.səː/	поручи́тель, поручи́тельница
stable существительное	/ˈsteɪ.bəl/	коню́шня, хлев
defend глагол	/dɪˈfɪnd/	защища́ть, защити́ть
thin прилагательное	/ˈθɪn/	то́нкий

Фразовые глаголы, которые вы услышите

Слово	Произношение	Значение
pay back глагол	/peɪ bæk/	отплатить, расплатиться
go up глагол		поднима́ться, подня́ться
end up глагол		зака́нчиваться, зако́нчиться
get off глагол		спуска́ться, спусти́ться
look around глагол		осма́триваться, осмотре́ться
look up глагол	/ˌlʊk ˈʌp/	улучша́ться
put down глагол		ста́вить, поста́вить

Фразы, которые стоит повторять

Короткие законченные фразы из видео, которые пригодятся в повседневном разговоре:

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.

Грамматика в этом видео

Конструкции, которые говорящий использует чаще всего, с точными словами из видео:

Конструкция	В видео
Пассивный залог be + причастие прошедшего времени — важно, что происходит, а не кто это делает	was declined · are collected · are sent
Будущее с «will» will + глагол — решение, обещание или прогноз	won't give · will pre · will host
Необходимость: must / have to / need to сказать, что что-то необходимо	have to check · needs to have · need to pay

Произношение, на которое стоит обратить внимание

Говорящий использует 28 сокращённых и редуцированных форм, например don't, gotta, aren't. Произносите их коротко, так, как слышите.

Звуки «th»: thin /ˈθɪn/, theft /θɛft/, authentication /ɔːˌθɛntɪˈkeɪʃn̩/
Звуки «sh» и «zh»: auction /ˈɔkʃən/, translation /tɹænzˈleɪʃən/, shield /ˈʃild/, inspection /ɪnˈspɛkʃən/, rotation /ɹoʊˈteɪʃən/
Длинные слова — следите за ударением: adjustable /əˈd͡ʒʌstəbəl/, elevator /ˈɛləˌveɪtɚ/, authentication /ɔːˌθɛntɪˈkeɪʃn̩/

Звуки, трудные для русскоязычных:

/w/ — губы округлены, это не /v/: swap /ˈswɑp/, paperwork /ˈpeɪ.pɚˌwɝk/, borrowing /ˈbɔrəwɪŋ/, unwise /ʌnˈwaɪz/
/h/ — лёгкий выдох, а не русское «х»: hacker /hækəɹ/, inherit /ɪnˈhɛɹɪt/
Звонкие согласные в конце слова — не оглушайте их: mortgage /ˈmoɹ.ɡɪd͡ʒ/, defend /dɪˈfɪnd/, bid /bɪd/, abroad /əˈbɹɔːd/, log /lɔɡ/

Как заниматься с этим видео

Прослушайте всё видео один раз молча и выпишите незнакомые слова.
Начните со скорости 0,75×, повторяйте предложение за предложением и вернитесь к обычной скорости, когда станет легко.
Запишите себя и сравните с оригиналом, обращая внимание на такие слова, как monkey, leaf, mortgage.

Что такое техника Shadowing?

Shadowing — это научно обоснованная техника изучения языка, изначально разработанная для подготовки профессиональных переводчиков и популяризированная полиглотом доктором Александром Аргуэльесом. Метод прост, но эффективен: вы слушаете аудио на английском от носителей языка и немедленно повторяете вслух — как тень, следующая за говорящим с задержкой в 1–2 секунды. В отличие от пассивного прослушивания или грамматических упражнений, Shadowing заставляет мозг и мышцы рта одновременно обрабатывать и воспроизводить реальные речевые паттерны. Исследования показывают, что это значительно улучшает точность произношения, интонацию, ритм, связную речь, понимание на слух и беглость речи — что делает его одним из самых эффективных методов для подготовки к IELTS Speaking и реального общения на английском.

Техника шедоуинга: читать полное пошаговое руководство →

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