Real estateMortgageDialogue

ENGLISHTALKABOUT BANK MORTGAGE LOAN

Mr. Chen would like to apply for a bank mortgage. In the agent Mr. Wang's recommendation, he came to the Bank Advisory mortgage procedures.

A--Agent Mr. Wang agent Mr. Wang
B--Buyer Mr. Chen buyer Mr. Chen
C--Bank Loan Officer bank clerk

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AGood morningLet me introduce you to Mr. Chen

 He would like to ask you details about mortgage loans

Good morning! Let me introduce, this is Mr. chen. He would like to ask you details about mortgage loans.

CGood morning,Mr. ChenI've known Mr. Wang for many years

 He is a very helpful agent

Good morning, Mr. chen. I've known Mr. Wang for many years. He is a helpful agent.

BYes, he isMr. Wang has given some good advice that

Has helped us buy this apartment at such a reasonable price

Yes. Mr. Wang gave us a lot of advice, to help us to buy the apartment at such a reasonable price.

ASam,Mr. Chen has recently bought a flat in Tai Koo Shing

I recommended that they apply for a mortgage loan at your bank.

Sam, Mr. Chen has recently bought a flat in Tai Koo shing. I suggest them to your bank

Apply for a mortgage loan.

CThank youWe can start by you giving me the information

On your property

Thank you. First, please give me to introduce you to buy a house.

ASam,This is the Preliminary Sale and Purchase Agreement

The selling price of the flat is four point two million

 HK dollarsHe would like to apply for a mortgage loan

Representing 70% of the purchase price

Sam, this is the preliminary sale and purchase agreement. The purchase price is HK $four million two hundred thousand. He wanted

To apply for a mortgage.

BI would like to know the different kinds of home investment

 Plans your bank offers

I would like to know the different investment plans your bank offers.

CSure,Mr. ChenOur bank's minimum mortgage rate is 8.25% to

Any applicant with a monthly income of over seventy thousand

Dollars.

Well, Mr. chen. The banks can provide to any monthly income of more than seventy thousand pieces of customers

Eight to two five of the most preferential mortgage rates.

BI'm afraid I'm not eligible for this planHere is my salary

Tax form from 2004 to 2005

I'm afraid I'm not eligible for this plan. This is my zero four to zero five years of income tax.

CDo you have any other bank mortgage loans?

Do you have any other bank mortgage loans?

BNo, I don't.The apartment we are living in now is fully

Paid up

I don't have any money, I now live in the house has been used.

CI seePlease give me ten minutes to calculate the interest

For you

I see. Please give me ten minutes to calculate the interest.

(After 10 minutes.)
(ten minutes.)

CMr. Chen,Our bank will offer you a 10.25% interestRate

Attached is a repayment table for your reference

Mr. Chen, the bank will provide ten to two five mortgage rates for you. Attached is a repayment table,

For your reference.

BThank youHow long do you need for approval of my loan?

Thank you, how long will it take for approval of my loan?

CUsually it takes two days to approve your application

And then we will issue a Conditional Letter of Offer and notify

Your solicitor to prepare the mortgage document in about two weeks

Usually takes two days to approve your application, and then we will issue a conditional in two weeks

Mortgage approval notice to you, and notify your solicitor to prepare the mortgage materials.

BThank you for your timeI have to discuss this with my wife,

And then bring the relevant document to youThank you,Mr. Wang

 I will get back to you

Thank you for your help. I must discuss with his wife, and I will bring the relevant document to you.

Thank you Mr. Wang, I will contact you.

AThank you,Mr. Chen and thank you. Sam

Thank you, Mr. chen. Thank you, Sam.

CYou're welcome

You're welcome.