[speaker001:] This is Lincoln Bank, Consumer Credit Department. How can I help you?
[speaker002:] Ah, hello. I'm calling to find out how I apply for a car loan.
[speaker001:] We offer a Personal Automobile Consumer Loan. The application process is pretty straight forward. I trust you have enough funds to cover the 20 % down payment?
[speaker002:] Yes, I do. It's ready and waiting in my account.
[speaker001:] The next step is for us to recommend a dealer to you, who are already contracted to us, so...
[speaker002:] Could I just stop you there? Sorry to interrupt, but I have already been to your appointed dealer and selected the car I want.
[speaker001:] That will certainly cut down the processing time. We can move on to the next step. Do you have the purchase price?
[speaker002:] Yes, it's 110,000 RIB. So, with the down payment done, I will need to borrow 70,000 RIB.
[speaker001:] What we need you to do next is to come into the branch with a correctly filled in application form, ID card, proof of residency, proof of income, the agreement from the agent and of course the 20 % down payment.
[speaker002:] Yes, I have everything here. OK, I'll come in and see you later today. Maybe I could have my new car as early as next week! How exciting!