БЫТОВЫЕ ДИАЛОГИ
англо-русский разговорник

EVERYDAY DIALOGUES
English-Russian conversation guide

            INQUIRING                        НАВЕДЕНИЕ СПРАВОК О ПОЛУЧЕНИИ
                                                ССУДЫ НА ПРИОБРЕТЕНИЕ  
                                                      АВТОМОБИЛЯ
     ----------------------                   ------------------------------------

Yuri Mirov:Hello,I would like
to ask you for some information
about your auto loan policy.


Bank clerk:Are you our bank's
customer?

Y.M.:Yes,I'm(shows his banking
card).How much could I borrow?

Clerk:You can borrow up to 25.000
dollars.

Y.M.:I need only 10.000 dollars.Is
there a down payment?

Clerk:No down payment is required.

Y.M.:What is the interest rate?

Clerk:If you keep over 20.000
dollars in our bank,the interest
rate is 10.9%.

Y.M.:I don't keep that much on my
account.

Clerk:If you go under 20.000 dollars
the interest rate for an auto loan
is 11.4%.

Y.M.:What about the term of an auto
loan?

Clerk:The bank lends the money for
five years.I guess you are going to
buy a new car?

Y.M.:Yes,I am .But why are you asking
that question?

Clerk:If a customer applies for a loan
for buying a used car,he has to pay
a higher interest rate -13%.Such a
loan has to be paid up in 48 months.





Y.M.:I see.As I told you,I need
10.000 dollars for buying a new car.
Could you please tell me what's the
total I would have to pay up?

Clerk:Just a moment.If you borrow
10.000 dollars,your total payment
amounts to 13.753 dollars.Life insu-
rance is included.

Y.M.:Is life insurance mandatory?

Clerk:Yes,it is.

Y.M.:And how much would my monthly
payment be in case of a 10.000
dollar loan?

Clerk:229 dollars.

Y.M.:Are my interest rate and
monthly payment fixed for the
full term of my loan?

Clerk:Yes,they are .So you don't
have to worry about fluctuating
interest rates.

Y.M.:One more question.Can I
pre-pay my loan at any time
without penalty?

Clerk:Absolutely.

Y.M.:Thank you very much for
this information.Could I have
a loan application for getting
familiar with it?

Clerk:Of course(passes an application
to Y.M.).

Y.M.:Thanks.