Conversation between bank manager and customer requesting a loan

conversation between bank manager and customer

Conversation between bank manager and customer requesting a loan

Overview: In this post, let us take a look at a conversation between bank manager and customer who is requesting a car loan. In this dialogue between customer and bank manager, the customer visits the bank and asks some loan-related questions. Let us now see how the conversation between bank manager and customer goes on!

Conversation between bank manager and customer

Customer: Hello, I need to take a car loan. Does this bank provide car loans for its customers?

Bank Manager: Yes sir. Absolutely. We will be pleased to provide you with a car loan. Please come with me.

Customer: Sure. But first I have some questions related to the loan.

Bank Manager: Yes sir. I am happy to answer your questions. Please ask.

Customer: I want to know what is the loan eligibility?

Bank Manager: A car loan is provided only to those who are of a minimum of 21 years of age and not below that, then their net annual salary should not be below that of Rs.2,40,000 p.a. and they must have a minimum of one year of continuous employment.

Customer: Alright, that seems fair. And what documents will be required to avail the car loan from my side?

Bank Manager: I will need your income proof, the latest bank statement of three months or Salary slips, and your Identity proof which will include a PAN card, driving license, or Passport.

Customer: Yes, I have bought all these documents.

Bank Manager: Amazing. Sir, may I know the amount of loan you require?

Customer: I need a car loan of Rs.12,00,000.

Bank Manager: Alright. And may I know your profession and the amount you earn?

Customer: I am a college professor by profession and I earn Rs.8,40,000 p.a.

Bank Manager: Perfect. So you are eligible for a car loan of Rs.12,00,000 for 3 years of tenure with an ROI of 6.5%.

Customer: Okay that’s fine. May I know when will my loan be approved?

Bank Manager: You will receive an email by today evening.

Customer: Alright. Thank you so much.

Bank Manager: You’re welcome, sir.

GLOSSARY

‘Tenure‘ – The word ‘tenure’ means ‘time period’.

‘ROI’ – The term ROI stands for ‘Rate Of Interest’.

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