Разговорный бизнес курс. Митрофанова И.В. - 36 стр.

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GRANT: Well, let's see, the total share capital must have a market value now of
about five hundred thousand pounds. If we bought two hundred and fifty that would
be... er... about twenty-five thousand pounds.
PETER: The bank ought to be able to lend you that amount.
GRANT: That's what I think. I'd better see the bank manager today.
(In the bank manager's office.)
GRANT: Good morning, Mr. Brewer. Good of you to see me at such short notice.
BREWER: Oh, never too busy to see an important client like yourself, Mr.
Grant. Well, now. what can I do for you?
GRANT: I want a loan... or an overdraft... right away. Twenty-five thousand.
BREWER: Oh, I see. Twenty-five thousand? Well, now, that is quite a large sum.
GRANT: Not for me- You know how well the firm is doing.
BREWER: Yes, but of course the firm can't provide security, since the loan is, I
understand, required by your good-self.
GRANT: Really, Mr. Brewer, this is rather unnecessary, isn't it? Yon have ourrecord,
my record, of business as your guarantee. You know me well enough to advance me
an unsecured loan, surely.
BREWER: As you know, I shall have to apply to our Head Office, but they will go
very much by my recommendation, and I don't think I would be prepared to do so
without some form of security.
GRANT: Oh? Well, what are you going to do about it? I can tell you one thing. If
there's any question of not getting a loan, I'll consider taking my account, and that of
the company, elsewhere.
BREWER: That could be an action you might have to consider, Mr. Grant. But if I
may say so, I think you would find any bank manager would take the same view.
Now, perhaps it might be more relevant to consider what forms of security you might
be able to offer. You have a large house. Is it mortgaged?
GRANT: It is.
BREWER: That's a pity. The deeds of your house would have been perfectly
adequate security. The house is worth, what, twenty thousand?
GRANT: Thirty. The mortgage is with the Albion Building Society.
BREWER: Well, now, it may be possible to raise a second mortgage on your
property. Though I can tell you frankly that my Head Office doesn't like second
mortgages... However, I might be prepared to make a recommendation on this basis.
GRANT: How would you arrange the credit?
BREWER: Well, if my Head Office agreed, you could have a straight loan and pay
two per cent above the bank rate, so the rate of interest would be about nine per cent.
It'd be a short-term loan of, say, three years.

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