Practice English Conversation (Asking for a bank loan.) English Conversation Practice

okay Mr Suleiman Frank Solomon  right how can I help you

yes that's my name I'm here to see about  getting a ten thousand dollars loan

I want to buy a car it was always my dream  to drive my own car I need money for that

so I need to take a car loan does this  Bank provide car loans for its customers

yes sir absolutely we will be pleased to  provide you with a car loan please come with me

sure but first I have some questions  related to the loan can you please help me

of course I will be happy to  answer your questions just tell me

I need to know what are the requirements to  ask for a car loan that's important for me

well to start a car loan is provided only to  those who are a minimum of 21 years of age

then their net annual salary should not  be below that of twenty thousand dollars

and of course they must have a good  credit history I think that's all

oh and fill out some documents to  evaluate your case sir is that okay

I think that's clear and what documents will  be required to Avail the car loan from my side  

well we need your income proof the latest  bank statement of three months of salary slips

what else oh your identification  card driving license or passport

that's great because I have  already brought all those documents

oh that's very good you told me you need  ten thousand dollars then is that correct

yes sir that's correct I saw a  beautiful sports car I want to buy

all right can I know what do you do for  a living and how much money do you earn

I'm a computer programmer and I  earned two thousand dollars a month

perfect so you are eligible for a car  loan of let me see eight thousand dollars

but I need ten thousand dollars  can't you give me more money please

um let me see what I can do in order  to get the ten thousand dollars

okay we can give you ten thousand dollars for four  

years of tenure with an Roi  of nine point five percent

um I really don't understand much  about that but that's okay I want it

may I know when will my loan be approved I need  to have that car as soon as possible please

let me see all right you will  receive an email by today evening

perfect then that's all right I  will get my money today evening

yes sir if you have any questions  just come here or you can call me too

great I'm leaving now have a  great day and thank you sir

good morning Mr Suleiman it's good  to see you here again how are you

hello I'm fine I come here because I got  promoted in my job and I'm earning more money

I want another loan to buy a luxury apartment  I need two hundred thousand dollars this time

we will have to evaluate it but this time it will  be more difficult because it's a lot of money

but I'm earning more money now I  earn five thousand dollars a month

that's great then we can give you 150 000 dollars

or 20 years of tenure with an Roi of 7.5  percent you will be paying 1 200 per month  

that's perfect I like it can we  start with the evaluation please

I want to get that money for this week so I  can have my new apartment as soon as possible

your name was Clark right you have been  very kind to me I feel I'm your friend

yes I'm Clark and of course I am your friend I  only want to help you make your dreams come true

and don't worry you will get your loan  as soon as possible have a nice day

hello Frank you're here again how  have you been is everything okay

hi Clark yeah everything's fine I'm  so happy with my car and my apartment

I'm here because I need another loan this time  I need to buy a yet I saw a good one on internet

I need only fifty thousand dollars  and do you think that's possible

of course you are one of our best clients  we can make it possible for tomorrow

excellent it's true you are my friend  Clark thank you so much for your help

no no as I told you I'm here to  help you my friend don't worry

I will talk to the manager and you will get  your loan for tomorrow for sure have a great day

prank hello my friend how's it going I'm not alone

hello Clark no I don't want another  loan I'm here because I need your help

I lost my job I got fired last month it  was all a mistake but I got fired anyway  

I try to get another job but I can't find one  yet I'm thinking of taking a job as an assistant

but the payment is very low I will be earning  just one thousand dollars I need your help

oh I'm sorry to hear that seriously  I hope you can get a better job Frank

yeah I hope so well as I was telling you I  need you to help me I can't pay the bank loan  

I don't know what to do I have to pay a  lot of money every month help me please

I see but how can I help you I  don't understand what do you need

I don't know a payment extension or  something like that I'm desperate

I'm really sorry but I can't do that I  mean the bank can't do something like that

you signed a contract and you have to  respect that contract it's mandatory

and the contract is very specific if you don't  pay on time you will lose your house car and yet  

what but I have already paid a lot of  money for those things it's not for

I really would like to help you but  that's how things are I'm really sorry

but you are my friend Clark you have to help  me please I can't lose my house Karen yet

I have already paid like one hundred  thousand dollars it's not fair

well rules are rules and this isn't  personal it's just business that's all

now I need to keep working goodbye have a  good day next please I hope you liked this  

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