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P24 Part II.Raising money for buying a car

B: Well, good afternoon, Mr. Jackson.

J: Good afternoon. I've come to see you to see whether it's possible to ... get an overdraft.

I'm ... I want some money. [Yes] I'll tell you quite frankly what it is. I'm wanting to buy a new car. [Yes] I don't know whether it's possible to raise any money from the bank in this way.

B: Er, I see no reason why not.

J: I've got an old car ...

B: What's your proposition?

J: Well, I've got this old car which is an eight-year-old Morris 1000, and I don't think there's any point in having it repaired any more because it just isn't worth it. I feel that I could probably get about a hundred pounds for it and then that means that I would need about another four hundred-odd, three hundred and fifty ... [Mhm] er, on top of that, to buy a, a, not a new car exactly, but a newer one. [Mhm] Um, ...

B: Do you use the car for your business, for your work?

J: Er; yes I do, up to a point. That is to say, sometimes I take it to work and sometimes I don't, because I'm almost within walking distance of the College. [Mhm] Does this have some bearing on the, on the question of whether I can get an overdraft?

B: No, I don't think so. I, er, it was just a matter of interest that I asked you, really. You think three hundred and fifty?

J: I would say about three hundred and fifty to four hundred. With the other, with the other [Yes] hundred pounds then it would be about, er, five hundred pounds; well, one can get quite a decent car for five hundred pounds [Quite] — second hand, of course.

B: Quite. And what sort of period of time could you repay us?

J: Well, erm, this rather depends on you. Um, I would like to ... I, er, what is the normal procedure for such a sum of money?

B: Well, for such a sum of money we could expect repayment within twenty-four months. J: Two years.

B: Two years.

J: I see.

B: We are lenders in the short term, remember, not long term.

J: Yes. Er, is there ... Do you, do I pay interest on this?

B: You will pay interest on — well, the type of loan I have in mind is a Personal Loan, as I assume you've got no form of collateral to offer.

J: What is — what is collateral?

B: Well, have you any shares in any companies or life policies, deeds of houses, or anything like that?

J: I have some Government Securities, is ... would this be ... sufficient?

B: You have some Government Securities, and what is their value?

J: Er, it's about ...

B: Have you got the certificates?

J: ... eight hundred pounds or so.

B: About eight hundred pounds?

J: Yes, but I don't want to ...

B: You don't want ...

J: ... cash them.

B: No. No, well you wouldn't ... that wouldn't involve you in cashing them. I could grant you an Ordinary Loan where the interest to you would be less than on a Personal Loan, if you were willing to charge that Share Certificate to us.

J: Yes. I see, um, er, is it, is it possible to er ... what's ... that, that would be the only security which you would need, in fact?

B: I shouldn't need any other security, other than that ... [I see] not on a loan, not on a loan of that size. Or if you would agree to do it on a Personal Loan basis which [cough] I would not require any security whatever, as on a Personal Loan we have death cover and you are in regular employment, er, in, er, good-salaried employment, with a with a good, with a good salary, therefore I would not ask you for erm, any security. [Yes. Yes.] But the interest rate would be higher than on an Ordinary Loan. [Yes] I should charge you seven percent on a Personal Loan and that's on the original amount taken, whereas on an Ordinary Loan it would be at one and a half percent over Bank Rate, minimum six percent, and that would be calculated on a, on a day-to-day basis, so it does in fact work out cheaper.

J: I see. Yes.

答案：1 ：college 2 ：repairing 3 ：a hundred pounds 4 ：three hundred fifty to four hundred 5 ：interest rates 6 ：an Ordinary Loan 7 ：24 months

P40 Unit 6 Part IV