B2Nhập vai chọn nhánh
Tình huống. Một chủ doanh nghiệp nhỏ tới ngân hàng hỏi vay vốn mở rộng kinh doanh. Bạn là chuyên viên tư vấn, cần hỏi đúng thông tin trước khi đưa ra bất kỳ cam kết nào.
Xem các câu nói chuyên nghiệp trong hội thoại (nên mở sau khi chơi xong)
Of course. First, can you tell me roughly how much you're looking to borrow and what it's for?
Got it, that's helpful. Before I go further, may I ask about your current revenue and how long you've been in business?
That's a solid track record. Based on that, you may qualify for our business expansion loan, though the exact rate depends on your credit history too.
Mainly three things: your credit history, the loan term you choose, and whether you can offer any collateral.
Yes, that could help lower your rate. We'd need it appraised, but it's a good option to bring to the table.
For an expansion like this, most clients choose a 5-year term — it balances manageable monthly payments with a reasonable total interest cost.
You'll need your business registration, the last 2 years of financial statements, and your ID. Once you bring those, we can start the formal application.