Requesting Mortgage Discharge Process Information
Loan servicing officer (speaking English) and Borrower (speaking Punjabi) talk through “Requesting Mortgage Discharge Process Information”. You interpret both ways — English into Punjabi, and Punjabi into English — one segment at a time, exactly as in the CCL test.
English → ਪੰਜਾਬੀ
Your turn: interpret it aloud in the other language.
Start this dialogue free →NAATI CCL Punjabi practice test on naaticcl.com: 404 dialogues and 200 two-dialogue mock tests; transcripts free to read, 400 with model answers, plus a free PDF. First two dialogues AI-marked free (no card; email sign-in for the score, out of 45 per dialogue or 90 for a full mock), then A$9 per full mock or from A$19 / 7 days. Updated 6 Nov 2026. Run by PTE Study Pty Ltd (Australia), independent of NAATI. All NAATI CCL Punjabi practice material · NAATI CCL Punjabi mock test online (200 sets) · ਪੰਜਾਬੀ ਵਿੱਚ ਪੜ੍ਹੋ · Practice websites compared
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 with model answers
Under each segment: a model interpretation, the information points an examiner checks, and the easiest thing to miss. Try the segment yourself first, then open it. The model is one good way to say it; other wordings that keep every point score just as well.
Every Punjabi line is in Gurmukhi with a Roman transliteration under it, for candidates who read Shahmukhi or Roman Punjabi rather than Gurmukhi. English loanwords are written in English.
Before we discuss your proposed mortgage discharge, Mr Brar, could you confirm the property location and tell me what process information you need today?
Model answer and marking points
ਮਿਸਟਰ ਬਰਾੜ, ਤੁਹਾਡੇ ਪ੍ਰਸਤਾਵਿਤ ਮੋਰਗੇਜ ਡਿਸਚਾਰਜ ਬਾਰੇ ਗੱਲ ਕਰਨ ਤੋਂ ਪਹਿਲਾਂ, ਕੀ ਤੁਸੀਂ ਮਕਾਨ ਦੀ ਜਗ੍ਹਾ ਪੱਕੀ ਕਰ ਸਕਦੇ ਹੋ, ਅਤੇ ਮੈਨੂੰ ਦੱਸ ਸਕਦੇ ਹੋ ਕਿ ਅੱਜ ਤੁਹਾਨੂੰ ਪ੍ਰਕਿਰਿਆ ਬਾਰੇ ਕਿਹੜੀ ਜਾਣਕਾਰੀ ਚਾਹੀਦੀ ਹੈ?
Mistar Brar, tuhaade prastaavit morgej discharge baare gall karan ton pahilaan, ki tuseen makaan di jagha pakki kar sakde ho, ate mainoon dass sakde ho ki ajj tuhaanoon prakiriya baare kihri jaankaari chaaheedi hai?
What an examiner checks here:
- before discussing the proposed mortgage discharge
- addressed to Mr Brar
- question: confirm the property location
- question: what process information do you need today
- discharge is proposed, not yet approved
Easy to miss: Keep 'proposed' attached to the discharge and make both parts questions, not statements.
ਮਕਾਨ ਕੈਬ੍ਰਾਮੈਟਾ ਵਿੱਚ ਹੈ। ਮੈਂ ਇਹ ਜਾਣਨਾ ਚਾਹੁੰਦਾ ਹਾਂ ਕਿ ਮਕਾਨ ਵੇਚਣ ਵੇਲੇ ਬੈਂਕ ਦਾ ਮੋਰਗੇਜ ਹਟਵਾਉਣ ਲਈ ਅਰਜ਼ੀ ਕਿਵੇਂ ਦੇਣੀ ਹੈ। ਸੈਟਲਮੈਂਟ ਲਈ ਅਠਾਰਾਂ ਜਨਵਰੀ ਦੀ ਤਾਰੀਖ ਰੱਖੀ ਹੈ।
Makaan Cabramatta vich hai. Main ih jaanna chaahunda haan ki makaan vechan vele bank da morgej hatvaaun lai arzi kiven deni hai. Settlement lai athaaraan January di taareekh rakkhi hai.
Model answer and marking points
The property is in Cabramatta. I want to know how to apply to have the bank's mortgage removed when I sell the house. The settlement date has been set for 18 January.
What an examiner checks here:
- property is in Cabramatta
- sale of the house
- wants to know how to apply
- to remove the bank's mortgage
- settlement date set for 18 January
Easy to miss: The place name Cabramatta is heard in Punjabi pronunciation and must come out as the correct suburb name; also 'ਅਠਾਰਾਂ' is 18, not 8.
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 two full dialogues are marked free.
Interpret it aloud now →I can explain how to submit a discharge request for review. How many borrowers are named on the loan, and who will handle your settlement?
Model answer and marking points
ਮੈਂ ਸਮਝਾ ਸਕਦਾ/ਸਕਦੀ ਹਾਂ ਕਿ ਸਮੀਖਿਆ ਲਈ ਡਿਸਚਾਰਜ ਦੀ ਬੇਨਤੀ ਕਿਵੇਂ ਦੇਣੀ ਹੈ। ਲੋਨ ਉੱਤੇ ਕਿੰਨੇ ਕਰਜ਼ਦਾਰਾਂ ਦੇ ਨਾਂ ਹਨ, ਅਤੇ ਤੁਹਾਡੀ ਸੈਟਲਮੈਂਟ ਦਾ ਕੰਮ ਕੌਣ ਸੰਭਾਲੇਗਾ?
Main samjha sakda/sakdi haan ki sameekhiya lai discharge di benti kiven deni hai. Loan utte kinne karazdaaraan de naan han, ate tuhaadi settlement da kamm kaun sambhaalega?
What an examiner checks here:
- can explain how to submit a discharge request
- request is for review
- question: how many borrowers are named on the loan
- question: who will handle your settlement
Easy to miss: Two separate questions at the end must both stay as questions, and 'for review' must not be dropped.
ਲੋਨ ਉੱਤੇ ਦੋ ਨਾਂ ਹਨ—ਮੇਰਾ ਨਾਂ ਹਰਜੀਤ ਬਰਾੜ ਤੇ ਮੇਰੀ ਪਤਨੀ ਦਾ ਨਾਂ ਮਨਪ੍ਰੀਤ ਕੌਰ। ਮੇਰਾ ਕਨਵੇਅੰਸਰ ਸੈਟਲਮੈਂਟ ਦਾ ਕੰਮ ਦੇਖ ਰਿਹਾ ਹੈ। ਉਸ ਨੇ ਮੈਨੂੰ ਵਿਕਰੀ ਦੀਆਂ ਹਦਾਇਤਾਂ ਵਾਲਾ ਪੈਕ ਦਿੱਤਾ ਹੈ।
Loan utte do naan han—mera naan Harjit Brar te meri patni da naan Manpreet Kaur. Mera conveyancer settlement da kamm dekh riha hai. Us ne mainoon vikri diyan hadaaitaan vaala pack ditta hai.
Model answer and marking points
There are two names on the loan: mine, Harjeet Brar, and my wife's, Manpreet Kaur. My conveyancer is handling the settlement. He has given me the sale instruction pack.
What an examiner checks here:
- two names on the loan
- Harjeet Brar (speaker) and wife Manpreet Kaur
- conveyancer is handling the settlement
- conveyancer gave him the sale instruction pack
Easy to miss: Keep the two names and the relationship (wife) correct, and say the conveyancer, not the bank, gave the pack.
For the specialist's review, please identify the documents you already have. Does your sale instruction pack show both borrower names and the proposed settlement date?
Model answer and marking points
ਮਾਹਿਰ ਦੀ ਸਮੀਖਿਆ ਲਈ, ਕਿਰਪਾ ਕਰਕੇ ਦੱਸੋ ਕਿ ਤੁਹਾਡੇ ਕੋਲ ਪਹਿਲਾਂ ਹੀ ਕਿਹੜੇ ਕਾਗਜ਼ ਹਨ। ਕੀ ਤੁਹਾਡੇ ਵਿਕਰੀ ਦੀਆਂ ਹਦਾਇਤਾਂ ਵਾਲੇ ਪੈਕ ਵਿੱਚ ਦੋਵੇਂ ਕਰਜ਼ਦਾਰਾਂ ਦੇ ਨਾਂ ਅਤੇ ਪ੍ਰਸਤਾਵਿਤ ਸੈਟਲਮੈਂਟ ਦੀ ਤਾਰੀਖ ਲਿਖੀ ਹੈ?
Maahir di sameekhiya lai, kirpa karke dasso ki tuhaade kol pahilaan hi kihre kaagaz han. Ki tuhaade vikri diyan hadaaitaan vaale pack vich doven karazdaaraan de naan ate prastaavit settlement di taareekh likhi hai?
What an examiner checks here:
- for the specialist's review
- identify the documents you already have
- question: does the sale instruction pack show both borrower names
- question: does it show the proposed settlement date
Easy to miss: The second sentence is a yes/no question, and the settlement date is 'proposed'.
ਹਾਂ, ਪੈਕ ਤਿੰਨ ਸਫ਼ਿਆਂ ਦਾ ਹੈ। ਉਸ ਵਿੱਚ ਸਾਡੇ ਦੋਵਾਂ ਦੇ ਨਾਂ ਤੇ ਅਠਾਰਾਂ ਜਨਵਰੀ ਦੀ ਤਾਰੀਖ ਲਿਖੀ ਹੈ। ਪਰ ਮੈਨੂੰ ਸਮਝ ਨਹੀਂ ਆਈ ਕਿ ਕੀ ਇਹੀ ਬੈਂਕ ਦਾ ਡਿਸਚਾਰਜ ਫਾਰਮ ਹੈ।
Haan, pack tinn safiyan da hai. Us vich saade dovaan de naan te athaaraan January di taareekh likhi hai. Par mainoon samajh naheen aai ki ki ihi bank da discharge form hai.
Model answer and marking points
Yes, the pack is three pages. It has both our names and the date of 18 January written on it. But I haven't understood whether this is the bank's discharge form.
What an examiner checks here:
- yes, pack shows both names and the date
- pack is three pages
- date written is 18 January
- did not understand
- whether this is the bank's discharge form
Easy to miss: The last sentence is 'I didn't understand whether it is the bank's discharge form', not a claim that it is not.
The sale instruction pack and our discharge request serve different purposes. The specialist can check your pack and explain which bank forms and signatures are needed.
Model answer and marking points
ਵਿਕਰੀ ਦੀਆਂ ਹਦਾਇਤਾਂ ਵਾਲਾ ਪੈਕ ਅਤੇ ਸਾਡੀ ਡਿਸਚਾਰਜ ਦੀ ਬੇਨਤੀ ਵੱਖੋ-ਵੱਖਰੇ ਮਕਸਦਾਂ ਲਈ ਹਨ। ਮਾਹਿਰ ਤੁਹਾਡਾ ਪੈਕ ਦੇਖ ਸਕਦੀ/ਸਕਦਾ ਹੈ ਅਤੇ ਸਮਝਾ ਸਕਦੀ/ਸਕਦਾ ਹੈ ਕਿ ਬੈਂਕ ਦੇ ਕਿਹੜੇ ਫਾਰਮ ਅਤੇ ਦਸਤਖ਼ਤ ਚਾਹੀਦੇ ਹਨ।
Vikri diyan hadaaitaan vaala pack ate saadi discharge di benti vakkho-vakkhre makasdaan lai han. Maahir tuhaada pack dekh sakdi/sakda hai ate samjha sakdi/sakda hai ki bank de kihre form ate dastakhat chaaheede han.
What an examiner checks here:
- sale instruction pack and discharge request are different
- they serve different purposes
- specialist can check your pack
- specialist can explain which bank forms are needed
- and which signatures are needed
Easy to miss: Do not say the two documents are the same or that the pack replaces the discharge request.
ਠੀਕ ਹੈ, ਮੈਂ ਦੋਵਾਂ ਨੂੰ ਇੱਕੋ ਚੀਜ਼ ਸਮਝ ਰਿਹਾ ਸੀ। ਫਿਰ ਕੀ ਮੈਂ ਅਠਾਰਾਂ ਜਨਵਰੀ ਦੀ ਤਾਰੀਖ ਪੱਕੀ ਮੰਨ ਲਵਾਂ? ਮੈਨੂੰ ਆਪਣੇ ਕਨਵੇਅੰਸਰ ਨੂੰ ਵੀ ਦੱਸਣਾ ਪਵੇਗਾ ਕਿ ਬੈਂਕ ਵੱਲੋਂ ਕੰਮ ਕਦੋਂ ਮੁੱਕੇਗਾ।
Theek hai, main dovaan noon ikko cheez samajh riha si. Phir ki main athaaraan January di taareekh pakki mann lavaan? Mainoon aapne conveyancer noon vi dassna pavega ki bank vallon kamm kadon mukkega.
Model answer and marking points
Okay, I was thinking both were the same thing. So should I take 18 January as definite? I will also have to tell my conveyancer when the bank's work will be finished.
What an examiner checks here:
- thought the two were the same thing
- question: should I take 18 January as definite
- must tell the conveyancer
- when the bank's part will be finished
Easy to miss: Keep it as a question about whether the date is definite, not a statement that it is.
Please treat 18 January as proposed until the relevant parties confirm arrangements. I can record that date, but I cannot guarantee when the discharge will be completed.
Model answer and marking points
ਜਦੋਂ ਤੱਕ ਸਬੰਧਤ ਧਿਰਾਂ ਪ੍ਰਬੰਧਾਂ ਦੀ ਪੁਸ਼ਟੀ ਨਹੀਂ ਕਰਦੀਆਂ, ਕਿਰਪਾ ਕਰਕੇ 18 ਜਨਵਰੀ ਨੂੰ ਪ੍ਰਸਤਾਵਿਤ ਹੀ ਸਮਝੋ। ਮੈਂ ਇਹ ਤਾਰੀਖ ਦਰਜ ਕਰ ਸਕਦਾ/ਸਕਦੀ ਹਾਂ, ਪਰ ਮੈਂ ਇਸ ਦੀ ਗਾਰੰਟੀ ਨਹੀਂ ਦੇ ਸਕਦਾ/ਸਕਦੀ ਕਿ ਡਿਸਚਾਰਜ ਕਦੋਂ ਪੂਰਾ ਹੋਵੇਗਾ।
Jadon takk sabandhat dhiraan prabandhaan di pushti naheen kardiyan, kirpa karke 18 January noon prastaavit hi samjho. Main ih taareekh darj kar sakda/sakdi haan, par main is di guarantee naheen de sakda/sakdi ki discharge kadon poora hovega.
What an examiner checks here:
- treat 18 January as proposed
- until relevant parties confirm arrangements
- can record the date
- cannot guarantee
- when the discharge will be completed
Easy to miss: The negation: the date can be recorded but completion timing cannot be guaranteed.
ਸਮਝ ਗਿਆ। ਮੈਂ ਕਨਵੇਅੰਸਰ ਨੂੰ ਕਹਿ ਦਿਆਂਗਾ ਕਿ ਬੈਂਕ ਵੱਲੋਂ ਹਾਲੇ ਤਾਰੀਖ ਪੱਕੀ ਨਹੀਂ ਹੋਈ। ਮੈਂ ਪਹਿਲਾਂ ਮਾਹਿਰ ਨਾਲ ਗੱਲ ਕਰਨੀ ਚਾਹੁੰਦਾ ਹਾਂ, ਤਾਂ ਜੋ ਪਤਾ ਲੱਗ ਜਾਵੇ ਕਿ ਹੋਰ ਕਿਹੜੇ ਕਾਗਜ਼ ਚਾਹੀਦੇ ਹਨ।
Samajh giya. Main conveyancer noon kahi diyaanga ki bank vallon haale taareekh pakki naheen hoi. Main pahilaan maahir naal gall karni chaahunda haan, taan jo pata lagg jaave ki hor kihre kaagaz chaaheede han.
Model answer and marking points
I understand. I'll tell the conveyancer that the bank hasn't confirmed the date yet. I want to speak to the specialist first, so that I find out what other documents are needed.
What an examiner checks here:
- understood
- will tell conveyancer the date is not yet confirmed by the bank
- wants to speak to the specialist first
- to find out what other documents are needed
Easy to miss: 'Not yet confirmed' must not become 'cancelled' or 'confirmed'.
I'll refer your process questions to our discharge specialist. Please bring the pack; she can identify supporting documents, while your conveyancer advises you about settlement obligations.
Model answer and marking points
ਮੈਂ ਤੁਹਾਡੇ ਪ੍ਰਕਿਰਿਆ ਬਾਰੇ ਸਵਾਲ ਸਾਡੇ ਡਿਸਚਾਰਜ ਮਾਹਿਰ ਕੋਲ ਭੇਜ ਦਿਆਂਗਾ/ਦਿਆਂਗੀ। ਕਿਰਪਾ ਕਰਕੇ ਪੈਕ ਨਾਲ ਲੈ ਕੇ ਆਉਣਾ। ਉਹ ਸਹਾਇਕ ਕਾਗਜ਼ਾਤ ਦੱਸ ਸਕਦੀ ਹੈ, ਜਦਕਿ ਤੁਹਾਡਾ ਕਨਵੇਅੰਸਰ ਤੁਹਾਨੂੰ ਸੈਟਲਮੈਂਟ ਦੀਆਂ ਜ਼ਿੰਮੇਵਾਰੀਆਂ ਬਾਰੇ ਸਲਾਹ ਦੇਵੇਗਾ।
Main tuhaade prakiriya baare savaal saade discharge maahir kol bhej diyaanga/diyaangi. Kirpa karke pack naal lai ke aauna. Uh sahaaik kaagzaat dass sakdi hai, jadki tuhaada conveyancer tuhaanoon settlement diyan zimmevaariyan baare salaah devega.
What an examiner checks here:
- will refer process questions to discharge specialist
- please bring the pack
- specialist can identify supporting documents
- specialist is female (she)
- conveyancer advises on settlement obligations
Easy to miss: Keep the split of roles: specialist for documents, conveyancer for settlement obligations.
ਠੀਕ ਹੈ, ਮੈਂ ਪੂਰਾ ਪੈਕ ਲੈ ਕੇ ਆਵਾਂਗਾ। ਮਾਹਿਰ ਤੋਂ ਫਾਰਮਾਂ ਤੇ ਦਸਤਖ਼ਤਾਂ ਬਾਰੇ ਪੁੱਛ ਲਵਾਂਗਾ। ਸੈਟਲਮੈਂਟ ਵੇਲੇ ਮੇਰੀਆਂ ਕਾਨੂੰਨੀ ਜ਼ਿੰਮੇਵਾਰੀਆਂ ਕੀ ਹਨ, ਇਹ ਮੈਂ ਆਪਣੇ ਕਨਵੇਅੰਸਰ ਨਾਲ ਸਪੱਸ਼ਟ ਕਰ ਲਵਾਂਗਾ।
Theek hai, main poora pack lai ke aavaanga. Maahir ton forms te dastakhtaan baare puchh lavaanga. Settlement vele meriyan kaanoonni zimmevaariyan ki han, ih main aapne conveyancer naal sapassht kar lavaanga.
Model answer and marking points
Okay, I'll bring the whole pack. I'll ask the specialist about the forms and signatures. As for what my legal responsibilities are at settlement, I'll clarify that with my conveyancer.
What an examiner checks here:
- will bring the whole pack
- will ask the specialist about forms and signatures
- legal responsibilities at settlement
- will clarify with his conveyancer
Easy to miss: Do not swap the roles: forms and signatures go to the specialist, legal responsibilities to the conveyancer.
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