English Dialogues

Banking - Opening an account

A:
Good morning, can I help you?
B:
Yes, I'd like to open a deposit account.
A:
Certainly Sir. Would you like a Silver or a Gold account?
B:
What's the difference?
A:
You can open a Silver account with just $5. The account comes with a cash card so you can withdraw your money at any time. The Silver account currently pays 5% interest. For the Gold account you need a minimum of $500, and you have to give 14 days notice to withdraw money. The interest rate is 6.5%.
B:
I'll go for the Silver account.
A:
How much would you like to deposit?
B:
$500
A:
And we'll need two proofs of ID; telephone bill, driver's license, credit card statement etc.
B:
I'm sorry, I don't have any of those on me. I'll come back tomorrow.

Applying for a Mortgage

C:
Good morning, I'm the manager, how can I help you?
D:
We'd like to apply for a mortgage.
C:
Have you found a property you're interested in?
D:
Yes we have.
C:
How much would you like to borrow?
D:
Well, the property is $75,000, but we have a deposit of $25,000
C:
So you need a $50,000 loan. Do you have an account with this bank?
D:
Yes, we both have accounts here. I've had my account for over fifteen years.
C:
How much do you both earn?
D:
I earn $15,000 a year and my wife earns $12,500.
C:
That's fine. Now Would you like to complete this form.........

Practice

i) you want to open a checking account; ii) you want to apply for a loan to buy a car. Make conversations and practice with friends.

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