At the bank English Conversation (Asking for a loan) Improve English Speaking Skills

good morning my name is Marco I am  here to ask for a loan can you help  

me good morning Marco nice to meet you  my name is Diego of course I can help

you you say you want a loan well in a space Bank  we have the best loans and financing products  

yes I know one of my friends  recommended me to come to this

Bank he said you gave him $220,000 well  I want $330,000 now all right you want

$330,000 let's see did you get any information  about our products online or in this

office no it's the first time I come to  this Bank in fact I have never asked for  

a loan before but as I told you before one  of my friends recommended me to come to this

Bank all right don't worry I need to ask  you some questions first to find the best  

product for you can you give me your full  name please I needed to check your credit

history sure my name is Marco white do  you need any other kind of information  

yes if you can give me your ID number  it will help me find your credit history

faster um okay my ID number is 45666 34 do  you need me to repeat that again no I got it  

let me see have you opened any bank account here I  don't think so I have my bank account but not here  

is that a problem no no it's not a problem but  you can also consider opening a bank account

here you will have many benefits that I  am sure you won't find in any other bank

around and we have different kinds of bank  accounts we have a savings account or a checking

account savings account and checking account  I really don't understand the difference don't  

worry I will explain it to you a checking  account is designed to use for everyday

transactions yet the money in a saving account  is meant to stay in the account and earn interest  

over time time you can earn interest over time  just for having your money with us it is a great  

offer I see actually I want to apply for a  credit card does it help me to have a credit  

card yes of course having your money here  helps you create a very good credit history

plus we have a great offer now  if you open your bank account  

today you can participate for $1  million you can be one of our lucky

winners $1 million wow that sounds  great well thank you I'd like that  

good decision now we will have  you fill out an application form

please all right are there any terms or  conditions I should know to open this bank

account just a little thing you have to  keep at least $1,000 in your account to  

avoid paying interest 1,000 um and what  happens if one month I can't have ,000 in  

my account then you will have to pay an  amount for the maintenance of your bank

account but it's only $20 you  will have a lot of benefits don't

worry um okay and what about  bank transfer fees and interbank

transfers Let's see we have no  commissions for transfers between partner

Banks but we do have commissions for  transfers with other banks for dollars per

operation I see well I think I  can pay that amount of money what

else that's all after filling out the  documents your account at this bank will be

enabled all right then can we  talk about the loan please I need

$30,000 oh sorry first you have to  deposit that $1,000 s into the account you

opened do I have to do it now can't  I do this later maybe tomorrow or  

the next week no sir you have to do it  now otherwise you will be charged with

$4 um all right then I'm going to  transfer my savings to this new

account excellent oh we also have the  anti theft Insurance I'm sure you'll be

interested this insurance will help you  protect all your bank cards it is very

useful I explain to you if your bank card is  cloned or stolen you will refund the the full  

value of the loss this insurance only cost $10 a  month it is a reasonable amount to protect your

money I'm not interested I only have $1,000 that's

all yes right now but think about the  future what if you earn more money later

or imagine if you win the million  dollars that we are raffling

of you don't want to lose your money you  will need to have your money save believe

me that makes

sense okay I will take it good decision we also  have life insurance when a refund it's very

interesting we can pay you back up to double  what you have paid for 20 years it is a great

investment no I don't think so I don't want  any other insurance at the moment thank you

this can help you get your first credit card  this is because your credit history will

increase uh okay okay but now  let's talk about the loan please

30,000 oh sure I have to check your  information in the system give me a

second all right I finished I regret to tell  you that for now you're not eligible for a  

personal loan what but you told me that if I  open my account and take out the insurance I  

could no that was different but if you maintain  good credit you can come back in a year to get  

re-evaluated for now unfortunately you you are  not eligible for a bank loan next please I hope  

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