Redraw for a Kitchen Renovation
Home loan officer (speaking English) and Homeowner (speaking Mandarin) talk through “Redraw for a Kitchen Renovation”. You interpret both ways — English into Mandarin, and Mandarin into English — one segment at a time, exactly as in the CCL test.
Practise this dialogue with AI marking →Read it first if you like, then practise it cold: the recording plays one segment, you interpret, the next segment plays. Marking shows, segment by segment, what you kept, left out or changed.
Full transcript
Afternoon, Mr Zhou, please take a seat. You'd like to use your extra repayments for a kitchen renovation, so let's check what's available.
您好。对，我想把多还的那部分钱取出来装修厨房。现在大概能取多少？
Your turn — don't read the rest yet. Hear this dialogue at native speed and interpret each segment aloud; AI marks what you kept, left out or changed, segment by segment. Your first full dialogue is marked free.
Interpret it aloud now →You have twenty-two thousand dollars available for redraw. That's money you've paid ahead of your required repayments. Is the quote for the renovation within that amount?
在范围内。我在戈斯福德的房子要装修厨房，报价是一万八千五百块，十一月十五号开工。取出来以后，贷款会有什么影响？
Redraw increases your loan balance by that amount, and interest is charged on it again. Your required repayment stays the same unless we change it.
也就是说利息又会算回来。那之后我还能继续多还钱吗？如果以后又需要用钱，还能再取吗？
Yes, you can make extra repayments again later. But redraw isn't guaranteed if your loan conditions change, so don't treat it like a savings account.
好，我明白了。那手续怎么办？我不想耽误，因为工程队十一月十五号就要进场了。
You can redraw through online banking, or I can submit it today. Please don't leave it to the last day before the builder starts on the fifteenth.
那我今天就在这里办吧。另外，如果我只取一万八千五百块，剩下的钱还能留着吗？
Yes, the remaining balance stays available. Also, if the quote changes, please contact us before you pay the builder, and we'll check your options together.
好的，谢谢您。我今天就办，如果报价有变化，我会先联系您，再付款给工程队。
Practise it
Reading a transcript is not interpreting. The practice room on this site plays each segment at native speed, records you, and marks the information you transferred against the same categories examiners use — omissions, distortions, insertions — so you know where the marks went. Your first full dialogue is marked free.
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Practice dialogue written to the CCL specification (two speakers, segments of 35 words or fewer, about 300 words). It is a practice text, not a NAATI test paper, and the AI score is this site's estimate, not a NAATI result. All Mandarin dialogues · All languages