4. Ханс в банке в кабинете Ричарда. Прочтите, переведите. Кто кажется более заинтересованным в расширении бизнеса?

Richard: Well, Mr. Gast, it’s an interesting idea, everything is very nicely presented, and you’ve obviously done your homework. Though some of your figures are perhaps a little on the optimistic side. And you appreciate the bank will need some kind of security for the loan?

Hans: Naturally. But the only fixed asset I can offer you that’s of any real value is the truck.

Richard: Yes, I thought you might say that. Loans can be secured on motor vehicles.

Hans: I’ve found a dealer who will sell me a-brand-new one-and-a-half-ton refrigerated truck for ₤20,000. I thought that to be acceptable as security for a ₤15,000 loan.

Richard: Hm. Do you see this road haulage business of yours starting to pay its way in a couple of years?

Hans: Well – if we just stay with one truck, yes.

Richard: Ah! So you might be looking to expand in a year or two. If you’re going to come back then to borrow more money, then obviously …

Hans: To be honest, Mr. Price, I want to see how the first year goes before I commit myself – and I’m sure the bank feels the same way.

Richard: I see. Well, I’m happy to approve your applicationfor a loan of ₤15,000, to be repaid over five years. You’ll receive a letter of confirmation and a formal offer from the bank in a few days’ time. Repayments will be monthly, by direct debit. But remember, our service doesn’t stop there. You have twelve months’ free banking – no bank charges – provided you stay in the bank, and the turnover on your account doesn’t exceed a ₤100,000 in the year. And when you’re ready to make your next move, you let me know.

5.Это письмо, которое Ричард Прайс отправляет Хансу. Прочитайте, заполните пропуски данными словами:

amount charges

confirm credit

debit interest

period repayable

small sum

terms turnover

Dear Mr. Gast

APPLICATION FOR ______a______ BUSINESS LOAN

Following our meeting on 17 October, I am glad to be able to ____b_____ the Bank’s offer of a Small Business Loan on the terms set out below. ____c____ of loan: ₤15,000 ____d____ of loan: five years from 1 November 1992 Rate of ____e____ : 18.5% Special ____f____: interest only payments for first six months. Monthly payments: ₤231.25 until May 2003 Thereafter ₤509.03 until 1 November 2007.

The enclosed leaflet gives details of some of the Bank’s services to new businesses. No bank ____g___ will be made during the first year of operation, provided _____h_____ does not exceed ₤100,000 and the account remains in ____i___.

If you will kindly check, complete and sign the acceptance form enclosed, we will arrange for the ___j____ of money shown above to be transferred to your account on 1 November. The loan will be ___k____ monthly over five years by direct ___l____. On behalf of the bank, I’d like to wish you every success in your enterprise.

Yours sincerely Richard Price

Unit 4.

1. Запомните следующие слова, выражения и словосочетания:

to exploit other sources of finance – использовать другие финансовые источники

government grants – правительственные гранты

tax holidays – временное освобождение начинающих бизнесменов от налоговых выплат

to finance part of your expansion internally – финансировать часть расходов на расширение бизнеса внутренними ресурсами фирмы

good profit – хорошая прибыль

collateral – дополнительная гарантия

shareholders – акционеры

short-term loan – краткосрочный заем

repackage it – представить в другом виде

2. Ричард Прайс встречается с Хансом и Андреасом, чтобы сообщить им о решении банка. Почему банк отказал в заеме?