Inglees

Conversation Guide

BE = Bank Employee,
C = Customer

BE: Please have a seat. How can I help you today?

C: Well, I’m interested in taking out a mortgage, but I would like some informationfirst.

BE: I’d be happy to answer any questions you have. What would you like to know?

C: Well for starters, what kind of mortgages do you offer?

BE: We have a variable rate mortgage and afixed rate mortgage.

C: Could you explain the difference please?

BE: Sure
Fixed rate mortgage is a loan in which the rate of interest is subject to change

Variable rate mortgages is aset rate of interest that does not change throughout the life of the loan

BE: Do you have any questions regarding what I just told you?

C: No. I’d like to apply for the fixed rate mortgage.BE: Ok. I’ll need to set up a bank profile first.
So I’ll need to ask you some questions about your personal finances?

Questions | Answers | Form |
1. What is your full name? Can you spellyour name for me? | My name is Ruben It is R U B E N | NAME Ruben |
2. What do you do for a living? | I am a banking | PROFESSION Banking |
3. How much is your monthly salary? | It is 3000soles | MONTHLY SALARY 3000 Soles |
4. What was your gross income last year? | My gross income was 36000 soles | LAST YEAR’S INCOME36000 |
5. Do you have any credit cards? | No I don’t cardscredit | CREDIT CARSYes, No ()type |
6. How much debt do you have on your credit card? | My debts is _________ | Total creditCard debt |
7. Do you have a car? | Yes, I do It is a Nissan | Owns car Y /N(If yes, what type) a 4x4 |
8. How much is it worth? | It is 30000 Soles | Estimated car value30000 |
9. Do you make monthly payments on it | No I don’t payment | Monthly car payments |
10.How much do you owe? | My debt is ________ | Total amount owing on car |
11. Do you have any outstanding loans? | No I don’t account | Previous loans Y/N |
12. What are your monthly payments? |...