A--Agent Mr. Wang 物业代理王先生
B--Buyer Mr. Chen 买家陈先生
C--Bank Loan Officer
A: Good morning. Let me introduce you to Mr. Chen. He would like to ask you
details about mortgage loans.
C: Good morning, Mr. Chen. I've known Mr. Wang for many years. He is a very
B: Yes, he is. Mr. Wang
has given some good advice that has helped us buy this apartment at such a
A: Sam, Mr. Chen has recently bought a flat in Tai Koo Shing. I recommended
that they apply for a mortgage loan at your
C: Thank you. We can start by you giving me the information on your
A: Sam, this is the Preliminary Sale and Purchase Agreement. The selling
price of the flat is four point two million HK dollars. He would like to apply
for a mortgage loan representing 70% of the purchase
B: I would like to know
the different kinds of home investment plans your bank
C: Sure, Mr. Chen. Our bank's minimum mortgage rate is 8.25% to any applicant
with a monthly income of over seventy thousand
B: I'm afraid I'm not eligible for this plan. Here is my salary tax form from
2004 to 2005.
C: Do you have any other bank mortgage loans?
B: No, I don't. The apartment we are living in now is fully paid up.
C: I see. Please give me ten minutes to calculate the interest for
(After 10 minutes.)
C: Mr. Chen, our bank will offer you a 10.25% interest rate. Attached is a
repayment table for your
B: Thank you. How long
do you need for approval of my loan?
C: Usually 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
B: Thank you for your time. I have to discuss this with my wife, and then
bring the relevant document to you. Thank you, Mr. Wang. I will get back to
A: Thank you, Mr.
Chen and thank you. Sam.
C: You're welcome.
（改编自：英语周报 英语点津 Annabel 编辑）