- Compose a fictional dialog between a bank officer and you, the applicant of a bank loan for starting a cosmetic clinic in Częstochowa. Some of the topics you might include in the dialog are: the nature of the enterprise (its personnel, facilities, location, initial equipment), your credentials, the analysis of the local market (competition), the financial aspect (your own contribution, loan conditions), the profitability (how long would it take before the clinic would make money). You might cover other subjects in the dialog as well.
- We will read about the Coronavirus from Wikipedia's Simplified English version.
Thursday, May 7, 2020
Assignment #2.21
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A: Good morning
ReplyDeleteB: Good morning
A: I have come that get a loan.
B: Ok, no problem.
A: I wish to set up own company.
B: Ok, I have questions.
How old are you? Do you live alone or with your family?
A: I'm 30 years old and I live with my husband.
B: What company would it be?
A: I'm going to set up a cosmetic clinic.
B: Have you ever worked in this job?
A: Yes, because I'm a cosmetician by profession.
B: How big the clinic will be? How many employees do you want? What kind of equipment do you need?
A: I think that about 80m2. At first, I just want to be alone. I will need hybrid lamps, nail polishes, work positions (the chairs, special desks) etc.
B: Do you have your capital ?
A: Yes, I have savings
B: how much money do you need and how many do you have?
A: I need about 80 thousand $ and I have 20 thousands $.
B: Do you have a business plan?
A: Yes, of course.
B: Can I see it?
A: please.
B: Do you have some equipment to the clinic?
A: Unfortunately I don't.
B: Do you have another credit in banks?
A: No, I haven't. I have paid all my debts.
B: Do you have items with which you can handrail for example a car or a house.
A: Yes, I have a car, a home and valuable paintings.
B: Do you have a person, who may handrail for you?
A: Yes, I have.
B: So, We can will grant you a loan for _ days in _ installments.
If you will have difficulties we can extend the repayment period installments. In the contract will be that indicate that you can negotiate new terms after a given period.
A: Can I pay back the loan early and what will the costs be?
B: Unfortunately, you can't pay back the loan early.
A: Ok thank you for every information.
B: Thank you too. When I create a contract I will call you.
A: No problem. Good bay
B: Good bay.