買了房子后，陳先生想申請銀行按揭。在物業代理王先生的推薦上，他來到銀行咨詢按揭手續。

A--Agent Mr. Wang 物業代理王先生
B--Buyer Mr. Chen 買家陳先生
C--Bank Loan Officer 銀行職員

A: Good morning. Let me introduce you to Mr. Chen. He would like to ask you details about mortgage loans.
早上好！讓我介紹一下，這是陳先生。他想咨詢有關銀行按揭的詳細內容。

C: Good morning, Mr. Chen. I've known Mr. Wang for many years. He is a very helpful agent.
早上好，陳先生。我認識王先生很多年了。他是一個熱心的物業代理。

B: Yes, he is. Mr. Wang has given some good advice that has helped us buy this apartment at such a reasonable price.
是的。王先生給了我們很多建議，幫我們買到價錢這么合理的房子。

A: Sam, Mr. Chen has recently bought a flat in Tai Koo Shing. I recommended that they apply for a mortgage loan at your bank..
山姆，陳先生最近在太古城買了套房子。我建議他們到你們的銀行申請按揭。

C: Thank you. We can start by you giving me the information on your property.
謝謝。首先請給我介紹一下你買的房子。

A: Sam, this is the Preliminary Sale and Purchase Agreement. The selling price of the flat is four point two million HK dollars. He would like to apply for a mortgage loan representing 70% of the purchase price.
山姆，這是臨時買賣合約。成交價是四百二十萬港幣。他希望申請七成銀行按揭。

B: I would like to know the different kinds of home investment plans your bank offers.
我希望知道有多少種銀行按揭方法可也選擇。

C: Sure, Mr. Chen. Our bank's minimum mortgage rate is 8.25% to any applicant with a monthly income of over seventy thousand dollars.
好的，陳先生。本銀行可以向任何月收入超過七萬塊的客戶提供八厘二五的最優惠按揭利率。

B: I'm afraid I'm not eligible for this plan. Here is my salary tax form from 2004 to 2005.
恐怕我不合乎這個條款。這是我零四到零五年的稅單。

C: Do you have any other bank mortgage loans?
你有沒有其他銀行按揭貸款?

B: No, I don't. The apartment we are living in now is fully paid up.
我沒有任何貸款，我現在住的房子已經供完了。

C: I see. Please give me ten minutes to calculate the interest for you.
我明白了。請給我十分鐘來計算利率。

(After 10 minutes.)
（十分鐘后。）

C: Mr. Chen, our bank will offer you a 10.25% interest rate. Attached is a repayment table for your reference.
陳先生，銀行會為你提供十厘二五的按揭利率。這是一份按揭還款表，供您參考。

B: Thank you. How long do you need for approval of my loan?
謝謝，需要多長時間批準我的按揭申請呢?

C: Usually it takes two days to approve your application and then we will issue a Conditional Letter of Offer and notify your solicitor to prepare the mortgage document in about two weeks.
通常需要兩天的時間核實申請，然后在兩周內我們會發出一份附帶條件的按揭批準通知書給你，并通知你的律師準備按揭按材料。

B: Thank you for your time. I have to discuss this with my wife, and then bring the relevant document to you. Thank you, Mr. Wang. I will get back to you.
謝謝你的幫忙。我必須與太太商量一下，然后我會帶有關資料給你。謝謝你王先生，我會跟你聯絡的。

A: Thank you, Mr. Chen and thank you. Sam.
謝謝你，陳先生。謝謝你山姆。

C: You're welcome.
不客氣。