[speaker001:] Excuse me, is this the Auto Consumer Loan Center?
[speaker002:] Yes. Is there anything I can do for you?
[speaker001:] Could you tell me something about the terms and interest rates for personal automobile consumer loan?
[speaker002:] The deadline is normally no more than 5 years with the interest adopted according to the corresponding lending rates announced by the PBC.
[speaker001:] I plan to take the loan for 3 years.
[speaker002:] Well, the yearly interest rate is 5.49 % for 3 years. I'm sure you are qualified to apply for this loan.
[speaker001:] What about the loan repayment?
[speaker002:] You may choose a repayment pattern by consulting with our bank, for example, payment of equal amount of principal or of principal and interest on monthly installments.
[speaker001:] Does that mean I should deposit sufficient money to my account prior to the monthly payment date so that you can directly deduct the repayment of the principal and interest?
[speaker002:] Exactly. You are permitted to effect and early payment in part or in full with the consent of our bank.
[speaker001:] That's very thoughtful of you. Thank you so much.
[speaker002:] You're welcome.