お客様から融資の相談を受けよう

Let's Talk Financing.
あなたはお客様から融資の相談を受けています。
融資の相談を受けた時に、相手に対してどのようなことを質問すべきか、あらかじめ考えておきましょう。
Today, I would like to ask you about financing.
 
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Today, I would like to ask you about financing.

Now you can take out a loan at a low interest rate from my bank. However, we need some information on your company, like business plans, latest financial statements and son on. Can you submit them by the end of this month? I heard that you need to borrow cash by expanding your business next month, so this timing is a due date in order for us to determine whether to lend money or not and what financial condition to be suitable for us. Do you have anything valuable as a mortgage to collateralize the loan?

自然な表現

Now you can take out a loan at a low-interest rate from my bank. However, we need some information on your company, like business plans, the latest financial statements, and so on. Can you submit them by the end of this month? I heard that you need to borrow cash by increasing your business next month, so this timing is a due date in order for us to determine whether to lend money or not and what financial condition to be suitable for us. Do you have anything valuable as a mortgage to collateralize the loan?

1. You can write it in this way too.
2. Since you are talking about specific ‘something’, there should be a definite article before this noun.
3. You can also use the Oxford or serial comma before ‘and’ containing the last item.
4. Typo
5. You can use this word too. 'increase'- an instance of growing or making greater.
Of course, I can submit them by the end of this month. Well, I don't know.. I have my house, can that be my mortgage?

Has anyone already taken a mortgage on the property? If so, it's not enough for us because this is a second mortgage which is junior in position to an existing first mortgage. Instead of refinancing a first mortgage by replacing it with a higher mortgage, a borrower may prefer to take out a smaller second mortgage.

自然な表現

Has anyone previously taken a mortgage on the property? If so, it's not enough for us because this is a second mortgage which is junior in position to an existing first mortgage. Instead of refinancing the first mortgage by replacing it with a higher mortgage, a borrower may prefer to take out a smaller second mortgage.

1. You can use this word too. 'previously'- at a previous or earlier time; before.
2. Since you are talking about specific ‘something’, there should be a definite article before this noun.
I see. Would it be possible to use my car as a collateral? Will that be enough? It is a 2018 Mitsubishi Montero Sport. It has been fully paid for.

Borrowing against your car is an option. We may have to put much lower caps on the loan compared to you house, though. I know this car is the latest fad among car lovers, but you need to know that it's estimated to be around US ten thousand as the collateral value.

自然な表現

Borrowing against your car is an option. We may have to put much lower caps on the loan compared to your house, though. I know this car is the latest trend among car lovers, but you need to know that it's estimated to be around US ten thousand as the collateral value.

1. The personal pronoun 'you' should be in the possessive form.
2. You can use this word too. 'trend'- a general direction in which something is developing or changing.
  • mortgage(貸付金、担保)
  • consultation(相談、協議)
  • finance(融資する)
  • property(資産、不動産、所有地)
  • invest(投資する)
  • We formed a five-year management plan.(5カ年の経営計画を立案しました。)
  • We recommend that you sell your property.(資産を売却することをお勧めします。)
  • Could you explain your company's business plan?(あなたの会社の事業計画をご説明いただけますか?)
  • What is the purpose for raising funds?(何のために資金を調達するのですか?)
  • How much is the monthly fixed cost?(毎月の固定費はいくら位ですか。)

こんな方にオススメ

  • ビジネス
  • 上級
  • 金融業界
  • 貸付業務