Jack: Brian, My wife and I want to buy a new car.
Jack: Because a new car is more reliable and safer.
Brian: You are right about that, but do you have enough money.
Jack: I don't, but I heard I could get a loan.
Brian: That's right. You can either go through the car dealer or apply to a bank yourself.
Jack: What do I need to show to get a loan?
Brian: You need to give them your social security number, your pay stub from school, your bank account statement, and your tax-return from last year.
Jack: I heard loan insurance is expensive. Do I need to get that?
Brian: If you pay 20% of the car price, you don't have to buy loan insurance.
Jack: What about application fees and all that?
Brian: You can ask different banks for interest rates and for the fee schedule, then pick the best one.
Jack: Sounds good. I'll get on it right now.
1. Because a new car is more reliable and safer.
That's because a new car is much more reliable and safer.
Because a new car is more dependable and safer.
This car is a real lemon.
It is a souped up car.
2. I heard I could get a loan.
It's said that I could get a loan.
I've got the news that I could take a loan.
Please explain a balloon loan?
Please explain an adjustable rate mortgage.
Please explain an ARM.
What is your best interest rate?
Please explain a fixed rate loan.
Do you provide balloon loans?
I'd like to apply for a automobile equity loan.
I'd like a self-amortizing loan term.
I'd like a variable interest rate mortgage.
I'd like an adjustable rate mortgage.
I'd like to apply for an Automobile mortgage.
3. You can either go through the car dealer or apply to a bank yourself.
You can get the car and the mortgage from the car dealer or apply to a bank yourself.
The car dealer would help you or you can get a loan from the bank.
4. You need to give them your social security number, your pay stub from school, your bank account statement, and your tax-return from last year.
But before applying, you have to choose a car and sign a contract with the car dealer.
If you want to buy a new car, you can get the loan for your car in our bank.
We need your and your wife's ID card and residence booklet.
After all of them are finished, we will inform you to make a contract.
If you buy a private car, the maximum amount of the loan would be 70% of the car's price.
You should give me the application for car loans.
5. I heard loan insurance is expensive.
We have to watch our spending.
We need to watch our money.
We need to watch our pennies.
We've got to watch every dime.
We have to control our spending.
We have to trim the budget.
I'm on a strict budget.
I can't afford that.
6. What about application fees and all that?
I'll dip into my savings.
How much is this going to set me back?
That cost a pretty penny.
That cost an arm and a leg.
You spend money as if it were going out of style.
You have business throwing money around like that.
A penny saved is a penny earned,
Penny wise, pound foolish.
You can't take it with you.
Money doesn't grow on trees.
A fool and his money are soon parted.
7. You can ask different banks for interest rates and for the fee schedule, then pick the best one.
What's the interest rate?
How's the interest rate?
If the repayment period is longer than one year, the interest is charged at the interest rate of that year.
You can apply for extension and in the extended period there is no interest.
8. I'll get on it right now.
I'll go to get it at once.
I'll go to the bank right now.