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  

magandang umaga ang pangalan ko ay Marco nandito ako para humingi ng pautang maari mo ba

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

akong tulungan magandang umaga Marco nice to meet you my name is Diego of course matutulungan

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

kita sabihin mo gusto mo ng loan well in a space Bank we have the best mga produkto ng pautang at financing

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

oo alam ko isa sa mga kaibigan ko ang nagrekomenda sa akin na pumunta sa

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

Bangko na ito sabi niya binigyan mo siya ng $220,000 mabuti gusto ko $330,000 ngayon sige gusto mo

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

$330,000 tingnan natin may nakuha ka bang impormasyon tungkol sa aming mga produkto online o sa

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

opisinang ito no ito ang unang beses na pumunta ako sa Bangko na ito sa totoo lang hindi pa ako nanghihingi ng

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

pautang dati pero gaya ng sinabi ko sa iyo dati isa sa mga kaibigan ko ang nagrekomenda sa akin na pumunta sa

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

Bangko na ito sige huwag kang mag-alala kailangan ko munang magtanong sa iyo upang mahanap ang pinakamahusay

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

na produkto para sa iyo maaari mo bang ibigay sa akin ang iyong buong pangalan mangyaring kailangan kong suriin ang iyong

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

kasaysayan ng kredito siguraduhin na ang aking pangalan ay Marco puti kailangan mo ba ng anumang iba pang uri ng impormasyon

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

oo kung maaari mong ibigay sa akin ang iyong numero ng ID makakatulong ito sa akin na mahanap mas mabilis ang credit history mo

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

um okay ID number ko is 45666 34 kailangan mo bang ulitin ko yan 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  

let me see may nabuksan ka bang bank account dito 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

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

here you will have many benefits that I am sure hindi mo makikita sa ibang bank

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

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

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

account savings account at checking account Hindi ko talaga maintindihan ang pagkakaiba huwag kang

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

mag-alala ipapaliwanag ko sa iyo ang isang checking account ay idinisenyo upang gamitin para sa pang-araw-araw

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

na mga transaksyon ngunit ang pera sa isang saving account ay nilalayong manatili sa account at kumita ng interes

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

sa paglipas ng panahon maaari kang makakuha ng interes sa paglipas ng panahon para lamang sa pagkakaroon ng iyong pera sa amin ito ay isang magandang

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

alok Nakikita ko talaga gusto kong mag-apply para sa isang credit card nakakatulong ba sa akin na magkaroon ng isang credit

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

card oo siyempre pagkakaroon ng iyong ang pera dito ay tumutulong sa iyo na lumikha ng isang napakahusay na kasaysayan ng kredito

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

at mayroon kaming isang mahusay na alok ngayon kung bubuksan mo ang iyong bank account

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

ngayon maaari kang lumahok sa halagang $1 milyon maaari kang maging isa sa aming mga masuwerteng

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

nanalo $1 milyon wow maganda iyon, salamat tulad ng

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

magandang desisyon ngayon ay papasagutan ka namin ng application form,

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

sige, mayroon bang anumang mga tuntunin o kundisyon na dapat kong malaman upang buksan ang bank

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

account na ito, isang maliit na bagay na kailangan mong magtago ng hindi bababa sa $1,000 sa iyong account upang

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

maiwasan ang pagbabayad ng interes na 1,000 um at ano ang mangyayari kung isang buwan ay hindi ako magkaroon ng ,000 sa

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

aking account pagkatapos ay kailangan mong magbayad ng isang halaga para sa pagpapanatili ng iyong bank

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

account ngunit ito ay $ 20 lamang ay magkakaroon ka ng maraming benepisyo huwag

worry um okay and what about  bank transfer fees and interbank

mag-alala um okay at paano naman ang mga bayarin sa bank transfer at mga interbank

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

transfer Tingnan natin wala tayong mga komisyon para sa mga paglilipat sa pagitan ng mga kasosyong

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

Bangko ngunit mayroon tayong mga komisyon para sa mga paglilipat sa ibang mga bangko para sa mga dolyar bawat

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

operasyon Nakikita ko nang mabuti 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

else that's all after pagpupuno ng mga dokumento ang iyong account sa bangkong ito ay

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

paganahin ang lahat pagkatapos ay maaari ba nating pag-usapan ang tungkol sa utang mangyaring kailangan ko

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

ng $30,000 oh sorry muna kailangan mong magdeposito ng $1,000 s sa account na iyong

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

binuksan kailangan ko bang gawin ito ngayon hindi na I do this later maybe tomorrow or

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

the next week no sir you have to do it now otherwise sisingilin ka ng

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

$4 um sige tapos ililipat ko na ang savings ko sa bagong

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

account na ito excellent oh meron din tayong anti theft Insurance. Sigurado akong magiging

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

interesado ka na ang insurance na ito ay tutulong sa iyo na protektahan ang lahat ng iyong mga bank card ito ay lubhang

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

kapaki-pakinabang ipinapaliwanag ko sa iyo kung ang iyong bank card ay na-clone o ninakaw ibabalik mo ang buong

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

halaga ng pagkawala ang insurance na ito ay nagkakahalaga lamang ng $10 a month it is a reasonable amount to protect your

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

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

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

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

of hindi mo gustong mawalan ng pera kailangan mong i-save ang pera mo believe

me that makes

me that makes

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

sense okay I will take it good decision may life insurance din tayo kapag may refund it's very

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

interesting we can pay you back up to double what you nagbayad ng 20 taon ito ay isang mahusay

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

na pamumuhunan hindi sa palagay ko kaya ayoko ng anumang iba pang insurance sa ngayon salamat

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

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

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

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  

second sige tapos na ako nagsisisi ako 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  

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  

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

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

muling masuri sa ngayon, sa kasamaang palad, hindi ka karapat-dapat para sa isang pautang sa bangko sa susunod mangyaring sana

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