To Borrow Or Not To Borrow?
Speaking | English and Chinese scripts are provided below and you can understand the content easier.
https://www.youtube.com/@UpgradeEnglish
Hello, may I speak to Albert?
Speaking. Who’s calling?
Hi Albert, my name is Christine. I’m calling from a reliable bank. Do you have time to talk now?
What’s up?
Our bank has a special loan promotion with attractive interest rate. Will you be interested?
Sorry, I’ve no interest in it.
We offer the lowest interest rate in the market. Do you have any urgent need of money?
Well, not at the moment. I do not have such a need.
As the interest rate is so attractive, it may be good for you to make use of the low-cost loan smartly.
There is no free lunch. I still have to repay the principal and interest. Right?
Yes. You can consider our offer to realize your short-term or long-term dreams.
I do not think so.
Even if you do not have urgent need, do you have any plan to decorate your home, further your studies or invest in stocks?
Honestly, it’s not appropriate for me to borrow more than my actual need.
Our application process is very simple. You need not submitting any document for approval.
When taking out a loan, it’s a serious decision for me. It may affect my financial health in the future.
I understood your concern.
I’ve to compare rates with different banks. By the way, do you mean that it’s a pre-approved loan?
Yes. It has been approved by our bank. If you can confirm me via the phone now, you can enjoy an extra rebate of $500.
Why can I get the pre-approved loan?
As you’re our credit card customer, you’ve already provided proof to our bank before. Hence, we trust your information. You’re our selected customer to get the special offer.
No wonder. I got your point.
The funds can be deposited to your bank’s account within one day.
It’s so efficient!
We’ve flexible repayment period ranging from six months to five years. You can select the period based on your preference.
Is the interest rate the same for those repayment periods?
If you select to repay the loan in two years, the interest rate is the lowest. Please imagine that you can achieve your long-term goal now. Are you excited?
How attractive is the rate?
Our annual interest rate is as low as 2%. You can’t get the offer elsewhere. You can make use of the funds to achieve your financial or life goals.
Some of my clients use the funds to renovate their houses, take up a master course and purchase stocks for investment.
With the increase of cash flow, you may think of the plan that you haven’t thought of it before. Our flexible repayment period reduces your financial burden.
One of my clients cashed out the funds to buy a new car. He chose to repay the loan in five years. You can select the repayment period that best suits your circumstances.
If you consider to further your studies, you can make use of the low-cost funds to upgrade yourself. Learning is always the most valuable asset. You’ll be more competitive in the job market after equipping with the right knowledge and qualification.
Another client made use of the funds to invest in securities. He purchased stocks that were undervalued and earned promising profits.
No kidding. There is no guarantee of profits. I think borrowing money to invest is very risky. Investment involves risks. I may lose all of my money.
I would like to shed you some lights when considering the usage of the funds. As the interest rate is low, you can achieve your goals now rather than waiting for three or five years later.
Anyway, it should not be an ad hoc decision. It seemed to me that borrowing money was not absolutely necessary at the moment. Is there any minimum loan amount?
No. It’s up to your need. If you consider to repay the loan in two years, the interest rate is the lowest.
Although I have the ability to repay it, I still do not borrow more than my actual need. I’ll not apply for the loan just because of the cash rebate or other gimmicks.
Our bank has received many awards before. We’re renowned for the outstanding customer service in the banking industry. We do not have any hidden fee. Please trust me and you can rest assured.
If I suddenly lose my job and cannot repay it on time, my credit score will be affected adversely. I may not be able to get better rate if I borrow money in the future. Right?
Yes, you’re right. As our interest rate is low, your cost of funds is actually not huge.
Anyway, I would like to make comparison with other banks as well.
Please note that our offer lasts until the end of the month. You should not miss this limited-time opportunity.
Okay. I’m enlightened by your examples. I’ve to work out my affordable repayment amount in a monthly basis. Could you please send the offer with terms and conditions for my review?
Sure. I can send the details via instant message. Is it fine with you?
Yes, it’s great.
Meanwhile, my staff ID is 1234 and my direct line is 123456 You can verify my identity by calling back the bank.
Thank you. I’ll spend some time to review the details.
If you’ve any questions, please let me know anytime. You can reach me via phone or email.
Thanks for your detailed introduction. I really appreciate your professional advice.
It’s my pleasure. Looking forward to your reply.
WITH CHINESE SCRIPT
您好，我可以和阿爾伯特通話嗎？
請講，誰打來的？
嗨阿爾伯特，我叫克里斯汀，我是從一家可靠的銀行打來的電話，您現在有時間談話嗎？
甚麼事？
我們銀行有特別的貸款推廣活動，利率很吸引，您會感興趣嗎？
抱歉，我對此沒有興趣。
我們提供市場上最低的利率，您有什麼急用錢的事情嗎？
嗯，目前沒有，我沒有這樣的需要。
由於利率如此誘人，有智慧地利用低成本貸款也許對您有好處。
天下沒有免費的午餐，我還得還本金和利息，正確的？
是的，您可以考慮我們的推廣來實現您的短期或長期夢想。
我不這麼認為。
即使您沒有急需，您是否有裝修房屋、升學或投資股票的計劃？
老實說，借超出我實際需要的錢對我來說是不合適的。
我們的申請流程非常簡單，您無需提交任何文件以供審核。
貸款對我來說是一個嚴肅的決定，它可能會影響我未來的財務健康。
我理解您的擔憂。
我必須比較不同銀行的利率，順便問一下，您的意思是這是預先審核的貸款嗎？
是的，已獲我行審核，如果您現在可以透過電話確認，您可以享受額外500元的回饋。
為什麼我可以獲得預先審核的貸款？
由於您是我們的信用卡客戶，您之前已經向我們的銀行提供了證明，因此，我們信任您的資料，您是我們特選客戶以獲得特別優惠。
難怪，我明白您的意思了。
資金可在一天內存入您的銀行賬戶。
真是太有效率了！
我們的還款期靈活，從六個月到五年不等，您可以根據自己的喜好選擇時期。
這些還款期的利率相同嗎？
如果選擇兩年還款，利率是最低的，請想像一下您現在可以實現您的長期目標，您興奮嗎？
利率有多吸引？
我們的年利率低至2%，您在其他地方無法獲得優惠，您可以利用這些資金來實現您的財務或生活目標。
我的一些客戶用這些資金來裝修房子、參加碩士課程以及購買股票進行投資。
隨著現金流的增加，您可能會想到以前沒有想到的計劃，我們彈性的還款期減輕您的經濟負擔。
我的一位客戶使用資金購買了一輛新車，他選擇五年內還清貸款，您可以選擇最適合您情況的還款期。
如果您考慮繼續深造，您可以利用低成本的資金來提升自己，學習永遠是最寶貴的財富，具備正確的知識和資格後，您將在就業市場上更具競爭力。
另一位客戶則利用這些資金投資證券，他買了被低估值的股票並賺取了可觀的利潤。
不開玩笑，沒有利潤保證，我認為借錢投資風險很大，投資涉及風險，我可能會失去所有的錢。
在考慮資金的用途時，我想向您提供一些說明，由於利率較低，您現在就可以實現目標，而不用等到三到五年後。
無論如何，這不應該是一個臨時決定，在我看來，目前用錢並不是絕對必要的，有最低貸款金額嗎？
沒有，這取決於您的需求，如果您考慮兩年內償還貸款，利率是最低的。
雖然我有能力還款，但我借的錢仍然不會超過我的實際需要，我不會因為現金回扣或其他噱頭而申請貸款。
我們銀行以前曾獲得過許多獎項，我們在銀行業以卓越的客戶服務而聞名，我們沒有任何隱藏費用，請相信我，您可以放心。
如果我突然失業而無法準時還款，我的信用評分將會受到不利影響，如果將來我借錢，我可能無法獲得更好的利率，正確的？
您是對的。 由於我們的利率低，您的資金成本其實並不大。
無論如何，我也想與其他銀行進行比較。
請注意，我們的優惠持續到月底，您不應該錯過這個限時的機會。
好的，您的例子啟發了我，我必須每月計算我可以負擔的還款額，您能否將包含條款和條件的報價發送給我檢視一下？
當然可以，我可以透過即時訊息發送詳細資訊，可以嗎？
可以，這很好。
同時，我的工作人員號碼是1234，我的直線電話是123456，您可以聯絡銀行來驗證我的身份。
謝謝，我會用一些時間來查看詳細資訊。
如果您有任何疑問，請隨時告訴我，您可以透過電話或電子郵件聯繫我。
感謝您的詳細介紹，我非常感謝您的專業建議。