Free NAATI CCL Punjabi Mock Test 3: Home Loan Appointment and Childcare Enrolment

Thanks for coming in. Today we are looking at pre-approval only. That is valid for ninety days, and we usually have an answer within five business days, but it is not a final approval until we value the property.

Where marks go here: Two time periods sit in one sentence and candidates keep only one, usually the ninety days. The bigger loss is the qualifier at the end: if "not a final approval until we value the property" turns into "the loan is approved", the whole segment reverses meaning.

ਅਸੀਂ ਬਵੰਜਾ ਹਜ਼ਾਰ ਡਾਲਰ ਜੋੜ ਲਏ ਹਨ। ਜਿਹੜੇ ਘਰ ਸਾਨੂੰ ਕ੍ਰੈਗੀਬਰਨ ਵਿੱਚ ਪਸੰਦ ਹਨ, ਉਹ ਛੇ ਲੱਖ ਚਾਲੀ ਹਜ਼ਾਰ ਦੇ ਨੇੜੇ ਹਨ। ਮੇਰੀ ਪਤਨੀ ਅਤੇ ਮੈਂ ਦੋਵੇਂ ਕੰਮ ਕਰਦੇ ਹਾਂ। ਦੱਸੋ, ਅਸੀਂ ਰਲ ਕੇ ਕਿੰਨਾ ਕਰਜ਼ਾ ਲੈ ਸਕਦੇ ਹਾਂ?

asin bavanja hazaar daalar jorh laye han. jihrhe ghar sanu Craigieburn vich pasand han, uh chhe lakh chali hazaar de nerhe han. meri patni ate main doven kamm karde haan. dasso, asin ral ke kinna karza lai sakde haan?

Where marks go here: ਛੇ ਲੱਖ ਚਾਲੀ ਹਜ਼ਾਰ is six hundred and forty thousand, not six hundred and four thousand or six point four million. Candidates who convert lakhs on the fly lose a digit here, and a wrong purchase price contaminates every figure that follows.

On your combined income of one hundred and twenty four thousand, you could borrow about five hundred and twenty thousand. But your credit card limit of fifteen thousand counts as fully spent, and that takes roughly sixty thousand off.

Where marks go here: Three different money figures land in four clauses and the third one is the trap: the bank counts the limit, not what is owed. Rendering it as "your credit card debt" loses the whole point of the segment and the sixty thousand that follows from it.

ਇਹ ਤਾਂ ਹੈਰਾਨੀ ਵਾਲੀ ਗੱਲ ਹੈ। ਮੈਂ ਉਹ ਕਾਰਡ ਮੁਸ਼ਕਲ ਨਾਲ ਵਰਤਦਾ ਹਾਂ, ਉਸ ਉੱਤੇ ਸਿਰਫ਼ ਚਾਰ ਸੌ ਡਾਲਰ ਬਕਾਇਆ ਹੈ। ਮੈਂ ਲਿਮਿਟ ਤਿੰਨ ਹਜ਼ਾਰ ਕਰਵਾ ਸਕਦਾ ਹਾਂ। ਦੂਜੀ ਗੱਲ, ਕੀ ਸਾਡੇ ਬਵੰਜਾ ਹਜ਼ਾਰ ਪੇਸ਼ਗੀ ਲਈ ਕਾਫ਼ੀ ਹਨ?

ih taan hairaani vaali gall hai. main uh card mushkal naal vartda haan, us utte sirf chaar sau daalar bakaaya hai. main limit tinn hazaar karva sakda haan. dooji gall, ki sade bavanja hazaar peshgi layi kaafi han?

Where marks go here: "ਚਾਰ ਸੌ" (four hundred owing) and "ਤਿੰਨ ਹਜ਼ਾਰ" (the new limit) do different jobs and are two marks. Candidates who compress them into "a small amount" also lose the offer to act, which is what the lender responds to later.

Fifty two thousand is just over eight per cent of the price. Any deposit under twenty per cent brings in Lenders Mortgage Insurance, which on this loan is about eighteen thousand dollars. It protects the bank, not you.

Where marks go here: Eight per cent and twenty per cent are not interchangeable: one is what they have, one is the line they fall under. The last clause is a whole mark on its own, and candidates who say the insurance "protects you if you cannot pay" score zero for it and mislead the client.

ਅਠਾਰਾਂ ਹਜ਼ਾਰ ਬਹੁਤ ਵੱਡੀ ਰਕਮ ਹੈ, ਪਰ ਵੀਹ ਫ਼ੀਸਦੀ ਜੋੜਨ ਲਈ ਅਸੀਂ ਹੋਰ ਸਾਲ ਉਡੀਕ ਨਹੀਂ ਕਰ ਸਕਦੇ। ਸਾਡੇ ਗੁਆਂਢੀ ਨੇ ਦੋ ਸਾਲ ਲਈ ਵਿਆਜ ਦਰ ਪੱਕੀ ਕਰਵਾ ਲਈ ਹੈ। ਸਾਨੂੰ ਪੱਕੀ ਦਰ ਲੈਣੀ ਚਾਹੀਦੀ ਹੈ ਜਾਂ ਬਦਲਣ ਵਾਲੀ?

athaaran hazaar bahut vaddi rakam hai, par veeh feesdi jorhan layi asin hor saal udeek nahin kar sakde. sade guaandhi ne do saal layi viaaj dar pakki karva layi hai. sanu pakki dar laini chahidi hai jaan badalan vaali?

Where marks go here: The neighbour's two years is a fact about the neighbour, not a request for a two year fixed loan; candidates who blur the two make the client sound as though he has already decided. The refusal to wait "another year" is also scoreable and often disappears.

You may keep the card, but you must drop the limit to three thousand before we lodge the file. Our variable rate is five point eight nine per cent; the two year fixed is five point six four.

Where marks go here: "You may keep" and "you must drop" are a permission and an obligation in one breath; flattening both into ਤੁਹਾਨੂੰ ਕਰਨਾ ਚਾਹੀਦਾ ਹੈ costs the modal distinction. The two decimal rates must also stay attached to the right product, and the timing (before lodgement) is its own mark.

ਮੈਂ ਕੱਲ੍ਹ ਹੀ ਲਿਮਿਟ ਤਿੰਨ ਹਜ਼ਾਰ ਕਰਵਾ ਦਿੰਦਾ ਹਾਂ। ਅੱਜ ਰਾਤ ਮੈਂ ਪਿਛਲੀਆਂ ਦੋ ਤਨਖ਼ਾਹ ਪਰਚੀਆਂ, ਤਿੰਨ ਮਹੀਨਿਆਂ ਦੀਆਂ ਬੈਂਕ ਸਟੇਟਮੈਂਟਾਂ ਅਤੇ ਏ ਟੀ ਓ ਦਾ ਨੋਟਿਸ ਆਫ਼ ਅਸੈੱਸਮੈਂਟ ਭੇਜ ਦੇਵਾਂਗਾ। ਇੱਕੀ ਮਾਰਚ ਨੂੰ ਸਾਡੀ ਨਿਲਾਮੀ ਹੈ।

main kallh hi limit tinn hazaar karva dinda haan. ajj raat main pichhlian do tankhaah parchian, tinn mahinian dian bank statementaan ate A T O da notice of assessment bhej devaanga. ikki March nu sadi nilaami hai.

Where marks go here: Three document types, each with its own number, plus a date. "Two payslips" and "three months of statements" get swapped or merged into "my papers", and the auction date, which is the only deadline in the dialogue, is often left off the end because the candidate has run out of memory.

Thank you for coming in. We have places for three year olds on Tuesdays and Thursdays, starting Tuesday the third of March. Mondays are full, and there are four families ahead of you on that waitlist.

Where marks go here: Two named weekdays are available and a third is not; candidates who render this as "we have some days" lose three marks in one stroke. The four families are a queue position, not four spare places, and reversing that misinforms the parent.

ਮੇਰੀ ਧੀ ਗੁਰਲੀਨ ਚੌਦਾਂ ਅਪ੍ਰੈਲ ਨੂੰ ਤਿੰਨ ਸਾਲ ਦੀ ਹੋ ਜਾਵੇਗੀ। ਮੈਂ ਮਾਰਚ ਤੋਂ ਹਫ਼ਤੇ ਵਿੱਚ ਤਿੰਨ ਦਿਨ ਕੰਮ ਉੱਤੇ ਵਾਪਸ ਜਾ ਰਹੀ ਹਾਂ, ਇਸ ਲਈ ਸਾਨੂੰ ਸੋਮਵਾਰ ਵਾਲਾ ਦਿਨ ਵੀ ਚਾਹੀਦਾ ਹੈ। ਉਡੀਕ ਕਿੰਨੀ ਲੰਬੀ ਹੋਵੇਗੀ?

meri dhee Gurleen chaudaan April nu tinn saal di ho javegi. main March ton hafte vich tinn din kamm utte vaapas ja rahi haan, is layi sanu somvaar vaala din vi chahida hai. udeek kinni lambi hovegi?

Where marks go here: Three separate numbers ride on the same sentence: turning three, the fourteenth of April, and three days a week. Candidates who have just said "three years old" often say "three days" as "three years" a clause later, which changes the request entirely.

I will put Gurleen on the Monday waitlist and ring you the day a place opens. Our fee is one hundred and thirty eight dollars a day. Before she starts we run two orientation visits of one hour.

Where marks go here: The fee is a daily rate; candidates who drop "a day" leave the parent thinking childcare costs $138 a week. "Two visits of one hour" is also two facts, and rendering it as "a visit or two" loses both.

ਇੱਕ ਸੌ ਅਠੱਤੀ ਡਾਲਰ ਦਿਹਾੜੀ ਤਾਂ ਬਹੁਤ ਜ਼ਿਆਦਾ ਹੈ। ਮੇਰੇ ਪਤੀ ਪੂਰਾ ਸਮਾਂ ਕੰਮ ਕਰਦੇ ਹਨ ਅਤੇ ਮੈਂ ਦੋ ਹਫ਼ਤਿਆਂ ਵਿੱਚ ਤੀਹ ਘੰਟੇ ਕਰਦੀ ਹਾਂ। ਸਾਡੀ ਰਲਵੀਂ ਆਮਦਨ ਇੱਕ ਲੱਖ ਦਸ ਹਜ਼ਾਰ ਹੈ। ਸਾਨੂੰ ਸਬਸਿਡੀ ਕਿੰਨੀ ਮਿਲੇਗੀ?

ikk sau athatti daalar dihaarhi taan bahut ziaada hai. mere pati poora samaan kamm karde han ate main do haftian vich teeh ghante kardi haan. sadi ralvin aamdan ikk lakh das hazaar hai. sanu subsidy kinni milegi?

Where marks go here: ਦੋ ਹਫ਼ਤਿਆਂ ਵਿੱਚ ਤੀਹ ਘੰਟੇ is thirty hours a fortnight, not thirty hours a week. Halving or doubling it changes the working pattern the director is answering, and the income figure in lakhs must land as 110,000 rather than 11,000.

Families earning under about eighty five thousand receive up to ninety per cent, and at your income it is nearer eighty five per cent. Every family now gets seventy two subsidised hours a fortnight, three days of care.

Where marks go here: Eighty five thousand is an income and eighty five is a percentage, and they land one clause apart. A candidate who lets one become the other tells the parent she is getting ninety per cent. The seventy two are hours a fortnight, not days and not dollars.

ਮੇਰੀ ਸਹੇਲੀ ਕਹਿੰਦੀ ਸੀ ਕਿ ਘੰਟੇ ਕਿਸੇ ਐਕਟਿਵਿਟੀ ਟੈਸਟ ਉੱਤੇ ਨਿਰਭਰ ਕਰਦੇ ਹਨ। ਇੱਕ ਹੋਰ ਗੱਲ, ਅਸੀਂ ਪਿਛਲੇ ਸਾਲ ਚਾਰ ਮਹੀਨੇ ਇੰਡੀਆ ਰਹੇ ਸੀ ਅਤੇ ਗੁਰਲੀਨ ਦਾ ਇੱਕ ਟੀਕਾ ਰਹਿ ਗਿਆ ਸੀ। ਕੀ ਦਾਖ਼ਲਾ ਰੁਕ ਜਾਵੇਗਾ?

meri saheli kahindi si ki ghante kise activity test utte nirbhar karde han. ikk hor gall, asin pichhle saal chaar mahine India rahe si ate Gurleen da ikk teeka rah gaya si. ki daakhla ruk javega?

Where marks go here: This is hearsay and a question, not a statement of the rules; candidates who render it as "the hours depend on the activity test" put the friend's claim in the client's mouth as fact. One missed needle is also not "she has had no vaccinations".

That is the activity test, but those seventy two hours now come to every family. Gurleen must be up to date with her needles, or on a catch-up plan from your GP. Send us her immunisation history statement from myGov.

Where marks go here: The immunisation rule is an either or, and dropping the catch-up plan turns a workable condition into a refusal. myGov is a proper noun: render it as ਮਾਈਗੌਵ, never as "the government website", or the parent will not know where to look.

ਮੈਂ ਇਸ ਹਫ਼ਤੇ ਡਾਕਟਰ ਤੋਂ ਸਮਾਂ ਲੈ ਲਵਾਂਗੀ ਅਤੇ ਟੀਕਿਆਂ ਦਾ ਰਿਕਾਰਡ ਚੌਵੀ ਫ਼ਰਵਰੀ ਵਾਲੀ ਪਹਿਲੀ ਫੇਰੀ ਉੱਤੇ ਲੈ ਆਵਾਂਗੀ। ਕੀ ਮੈਂ ਟੋਪੀ, ਦੋ ਜੋੜੇ ਵਾਧੂ ਕੱਪੜੇ ਅਤੇ ਪਾਣੀ ਦੀ ਬੋਤਲ ਭੇਜਾਂ, ਜਾਂ ਤੁਸੀਂ ਦੁਪਹਿਰ ਦਾ ਖਾਣਾ ਵੀ ਦਿੰਦੇ ਹੋ?

main is hafte doctor ton samaan lai lavaangi ate teekian da record chauvi Farvari vaali pahili pheri utte lai aavaangi. ki main topi, do jorhe vaadhoo kaprhe ate paani di botal bhejaan, jaan tusin dupehar da khaana vi dinde ho?

Where marks go here: The closing segment is a list plus a date plus a question, and the question is the part candidates lose: if "do you provide lunch" is dropped or turned into a statement, the director has nothing to answer and the parent is left packing food she does not need.