Day 38: An IOU Between Father and Son

Dialogue

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1. 1

   B 아버지, 바쁘신데 서울역까지 나와 주셔서 감사해요. 전화로 말씀드린 그 얘기요.

   Abeoji, bappeusinde Seoullyeokkkaji nawa jusyeoseo gamsahaeyo. Jeonhwaro malsseumdeurin geu yaegiyo.

   Dad, thanks for coming all the way to Seoul Station when you're busy. It's about what I mentioned on the phone.

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2. 2

   A 전세 보증금 말이지? 얼마가 모자란다고 했지?

   Jeonse bojeunggeum mariji? Eolmaga mojarandago haetji?

   The jeonse deposit, right? How much did you say you were short?

   Line 2
3. 3

   B 칠천만 원이요. 모은 돈이랑 은행 대출을 합쳐도 딱 그만큼이 비어요. 계약금은 벌써 걸어 놨고요.

   Chilcheonman woniyo. Moeun donirang eunhaeng daechureul hapchyeodo ttak geumankeumi bieoyo. Gyeyakgeumeun beolsseo georeo nwatgoyo.

   Seventy million won. Even with my savings and a bank loan combined, I'm exactly that much short. And I've already put down the contract deposit.

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4. 4

   A 벌써 계약금까지 덜컥 걸었어? 나한테 한마디 상의도 없이? 계획이 어쩜 이렇게 허술하니.

   Beolsseo gyeyakgeumkkaji deolkeok georeosseo? Nahante hanmadi sanguido eopsi? Gyehoegi eojjeom ireoke heosulhani.

   You've already gone and put down the contract deposit? Without a word to me? How can your planning be this sloppy?

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5. 5

   B 집이 너무 좋아서 다른 사람이 먼저 계약할까 봐 그랬어요. 역까지 걸어서 오 분이에요.

   Jibi neomu joaseo dareun sarami meonjeo gyeyakalkka bwa geuraesseoyo. Yeokkkaji georeoseo o bunieyo.

   The place was so good I was afraid someone else would sign first. It's a five-minute walk to the station.

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6. 6

   A 좋다. 빌려주마. 대신 조건이 있다. 너도 이제 어엿한 사회인이니만큼 차용증도 쓰고 이자도 내야 한다.

   Jota. Billyeojuma. Daesin jogeoni itda. Neodo ije eoyeotan sahoeininimankeum chayongjeungdo sseugo ijado naeya handa.

   All right. I'll lend it to you. But there are conditions. You're a working adult now, so you'll sign an IOU and pay interest.

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7. 7

   B 차용증이요? 아버지, 저 아들이에요. 은행도 아니고 무슨 이자를 받으세요?

   Chayongjeungiyo? Abeoji, jeo adeurieyo. Eunhaengdo anigo museun ijareul badeuseyo?

   An IOU? Dad, I'm your son. You're not a bank. Why would you charge interest?

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8. 8

   A 칠천만 원은 적은 돈이 아니다. 가족끼리 오가는 거래이니만큼 서류는 더 정확해야지.

   Chilcheonman woneun jeogeun doni anida. Gajokkkiri oganeun georaeinimankeum seoryuneun deo jeonghwakaeyaji.

   Seventy million isn't pocket money. Precisely because it's a deal between family, the paperwork has to be all the more exact.

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9. 9

   B 혹시 제가 안 갚을까 봐 그러세요? 저 월급 받으면 적금도 착실하게 붓는 거 아시잖아요.

   Hoksi jega an gapeulkka bwa geureoseyo? Jeo wolgeup badeumyeon jeokgeumdo chaksilhage bunneun geo asijanayo.

   Are you worried I won't pay you back? You know I put money into savings faithfully every payday.

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10. 10

    A 너를 못 믿어서가 아니야. 가족끼리 서류 없이 큰돈이 오가면 세무서에서 증여로 볼 수 있어. 그럼 세금을 네가 물어야 해.

    Neoreul mot mideoseoga aniya. Gajokkkiri seoryu eopsi keundoni ogamyeon semuseoeseo jeungyeoro bol su isseo. Geureom segeumeul nega mureoya hae.

    It's not that I don't trust you. If a large sum passes between family without paperwork, the tax office can treat it as a gift. Then you'd have to pay the tax.

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11. 11

    B 아, 그런 문제가 있군요. 그럼 이자는 얼마나 생각하세요? 은행보다 비싸면 그냥 대출을 더 받을게요.

    A, geureon munjega itgunyo. Geureom ijaneun eolmana saenggakaseyo? Eunhaengboda bissamyeon geunyang daechureul deo badeulgeyo.

    Oh, I didn't know that was an issue. Then what rate are you thinking of? If it's more than the bank, I'll just take out a bigger loan.

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12. 12

    A 세법에서 보는 기준 이자율이 있다. 거기에 맞춰서 연 사 퍼센트 남짓으로 하고, 매달 같은 날에 원금이랑 같이 보내라. 통장에 기록이 남아야 하니까.

    Sebeobeseo boneun gijun ijayuri itda. Geogie matchwoseo yeon sa peosenteu namjiseuro hago, maedal gateun nare wongeumirang gachi bonaera. Tongjange girogi namaya hanikka.

    The tax law has a benchmark rate. We go by that: a little over four percent a year, sent together with the principal on the same day every month. There has to be a record in the bank account.

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13. 13

    B 매달이요? 첫해는 이사 비용 때문에 빠듯해서요. 일 년 동안은 이자만 내고 원금은 그다음부터 갚으면 안 될까요?

    Maedariyo? Cheothaeneun isa biyong ttaemune ppadeutaeseoyo. Il nyeon donganeun ijaman naego wongeumeun geudaeumbuteo gapeumyeon an doelkkayo?

    Every month? The first year will be tight with moving costs. Could I pay only interest for the first year and start on the principal after that?

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14. 14

    A 이 녀석, 협상할 줄도 아네. 좋다. 대신 원금은 오 년 안에 다 갚고, 늦으면 연체 이자도 붙는다.

    I nyeoseok, hyeopsanghal juldo ane. Jota. Daesin wongeumeun o nyeon ane da gapgo, neujeumyeon yeonche ijado bunneunda.

    Look at you, you know how to negotiate. Fine. But the principal is paid off within five years, and if you're late, there's a penalty charge.

    Line 14
15. 15

    B 연체 이자까지요? 진짜 은행 같으세요. 그럼 저도 조건 하나 걸게요. 중간에 한꺼번에 갚으면 이자는 거기서 끝내 주세요.

    Yeonche ijakkajiyo? Jinjja eunhaeng gateuseyo. Geureom jeodo jogeon hana geolgeyo. Junggane hankkeobeone gapeumyeon ijaneun geogiseo kkeunnae juseyo.

    A late penalty too? You're just like a bank. Then I've got a condition too. If I pay it all back early, the interest stops there.

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16. 16

    A 중도 상환 수수료는 없다는 거지? 그건 받아 주마. 어디서 그런 걸 다 배웠냐?

    Jungdo sanghwan susuryoneun eopdaneun geoji? Geugeon bada juma. Eodiseo geureon geol da baewonnya?

    No early repayment fee, you mean? I'll accept that. Where did you learn all this?

    Line 16
17. 17

    B 대출 상담 받으면서 배웠죠. 근데 아버지, 이자 받으시면 그 돈은 어디에 쓰실 거예요?

    Daechul sangdam badeumyeonseo baewotjyo. Geunde abeoji, ija badeusimyeon geu doneun eodie sseusil geoyeyo?

    When I went to the bank for loan advice. But Dad, what will you do with the interest money?

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18. 18

    A 그건 채권자 마음이다. 계약서에 그런 것까지 쓰는 법은 없어.

    Geugeon chaegwonja maeumida. Gyeyakseoe geureon geotkkaji sseuneun beobeun eopseo.

    That's the lender's business. Nobody puts that sort of thing in a contract.

    Line 18
19. 19

    B 엄마 말로는 아버지가 제 이름으로 통장을 하나 만드셨다던데요. 이자는 거기 모아 두신다고요.

    Eomma malloneun abeojiga je ireumeuro tongjangeul hana mandeusyeotdadeondeyo. Ijaneun geogi moa dusindagoyo.

    Mom says you've opened an account in my name. That you'll save the interest in it.

    Line 19
20. 20

    A 네 엄마는 어쩜 그렇게 입이 가볍니. 그건 네가 결혼할 때나 알려 주려고 했는데.

    Ne eommaneun eojjeom geureoke ibi gabyeomni. Geugeon nega gyeolhonhal ttaena allyeo juryeogo haenneunde.

    How can your mother be such a blabbermouth? I was going to tell you that when you got married.

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21. 21

    B 그럼 모르는 척할게요. 대신 차용증은 제가 제대로 써서 다음 주에 가져갈게요. 아버지는 도장만 준비해 주세요.

    Geureom moreuneun cheokalgeyo. Daesin chayongjeungeun jega jedaero sseoseo daeum jue gajyeogalgeyo. Abeojineun dojangman junbihae juseyo.

    Then I'll pretend I don't know. And I'll draw up the IOU properly and bring it over next week. Just have your seal ready.

    Line 21