SUJET 5 : NEGOCIER UN PRET CLIENT: Hello I am misses TURNER I contact you because I want to negotiate my mortgage that I have for 10 years. CONSEILLER : Hello Mrs, turner, this is Tambon, Great to hear from you! Could we see together your current situation? CLIENT: My situation has changed I will get a divorce soon , and recently I received an inheritance. What effect will my loan have after my divorce?And the inheritance I just received? should I share it with my future ex. CONSEILLER : First of all, I need to have some information about you. Do you live always in Telford? And I saw that you have 38 years old, Is it correct? Furthermore Can you tell me what fees you currently have? CLIENT: I have a rent of € 800 per month, my car insurance costs me € 120, my mutual fund € 80, my daughter's activity costs € 110. My electricity costs me 100€ per month. I do my shopping once a mont it costs me 350€ . I think that’s all. CONSEILLER : Thanks you for all these details, so to answer your questions. You could renegociate your contract even if you are divorced. And you have some chance, Rates have never been so low, this is an opportunity to save money! Also, It is you alone who will therefore recover the family property? CLIENT: What papers do you need for that then. for my inheritance do you have any suggestions for me CONSEILLER: Yes of course, You need to send by mail or post, a file with several documents : Your Passport or ID CARD, a family book, last three pay slips, a contract work, last tax notice and that’s all. We have the others documents in our possession CLIENTE : Okay, I'll send you the papers today. CONSEILLER : It's perfect, when I will got this, I will send your file and I will give you a final proposal, I forgot to say that for your loan, there will be some consequences. In fact, by dropping your rate some amendment fees will be applied but on the other hand the tariff and refund conditions will be more favorable. Your rate will be at 4,5 or 4 per cent and yours monthly payment could be more interesting for you. Have a nice day Mrs Turner, Bye ! CLIENT: Thank you, have a good day too SUJET 7 : PROPOSER DES PRODUITS D’ASSURANCE PREVOYANCES ET DECES CONSEILLER : Hello Mrs Bosmans, this is Thomas from Admiral Group, could we do can we take stock of your contracts in particular on provident and death insurance products? CLIENT : hello, thank you for your call, I have 10 minutes .I am listening to you. CONSEILLER : Thanks you for your time, I will be quick. First of all, I need to see with your current situation. You are married to Mr Bosmans Jack, he is 52 years old and you are 48 years old. You currently live in Bournemouth, you both work and own a cottage. Jack your 19 year old son lives with you and is a college student is that correct? CLIENT : Exactly ! CONSEILLLER : Ok, thanks you. So with this informations. I could propose you two contract, one for death capital, if one of you dies, the other will have financial capital and if you have a dependent child there will be an education pension. The other is disability, if one of you has a disability, he will be able to benefit from a pension until retirement age to cover the loss of your job. CLIENT : Is there a waiting period for disability coverage? This contract interests me because it is what scares me the most. CONSEILLER : No, when the doctor will recognize your disability, you will have an gig on and if you took this product in our company, you could have the first payment at the day of your notification of disability. Do you want to know the price of this contract? CLIENT : yes, I Would like to know your prices. CONSEILLER : Our contract more interesting is, the disability premium, it will cost for you 40 € by month, with that you and your husband could have a pension until retirement age if you will be in disability, are you interested by this? CLIENT: Yes that really interests me ! CONSEILLER : Perfect, I will give you all the step for that. You need to send by mail or post, a file with several documents : Your Passport or ID CARD, a family book, last three pay slips, a contract work, last tax notice and that’s all. We have the others documents in our possession. After this, We will treat your file and I will send you the contract, when you will send me this contract signed, you will do the first payment the first day of the next month, and all the others will be always the first day of every month. All is right for you Mrs Bosmans? CLIENT : Yes all is good thanks ! I send you the papers today ! CONSEILLER : That's fine, I will let you know when I will receive your papers. Have a nice day Mrs BOSMANS. CLIENT: Thank you have a nice day too SUJET 3 : ACCUEIL D’UN CLIENT POTENTIEL SUJET 4 : PROPOSER DES PRODUITS D’EPARGNE CLIENT CLIENT : Hello, i'm miss MARSHALL, I'm 27 and i live in york in the united kingdom. I am single with no children. my mother and my father-in-law live in France and I often come to see them. I would like to inquire about opening a checking account. CONSEILLER : Hello, I am Mr / mme financial advisor at Northerm Rock in Lille. Is it Mr / MALKIN? CONSEILLER : Hello Mrs Marshall, This is Thomas from LLOYS Bancking group in Paris, Thanks you for your call. How could I help you? CLIENT : yes what services do you offer with a checking account? and prices CONSEILLLER : If you will open a new account in our bank, you will have some good offer. For example if you need a loean you will have exclusive rate at 4 per cent. You could have good rates for mortgage too. Are you still interested? CLIENT : Yes I am interested because I am planning to take out a car loan soon. what is the price of opening an account? CONSEILLER : About prices, it will depend on the contracts that you will ask, but I could say for the opening an account you need to transfer one hundred ( 100 €) on your account that you will open in our bank CLIENT : ok, what are the necessary papers to open the account? CONSEILLER : You need to send by mail or post, a file with several documents : Your Passport or ID CARD, a family book, last three pay slips, a contract work, last tax notice and that’s all. We have the others documents in our possession. CLIENT: Thank you ! I send the papers today. CONSEILLER : That's fine, I will let you know when I will receive your papers. Have a nice day Mrs MARCHALL! CLIENT: Thank you have a nice day too CLIENT : Hello, yes it's me. What is the reason for your call? CONSEILLER : I want to talk to you about a savings contract. Because I noticed you don't have one yet. It is an interesting investment if you want to build up additional remuneration or if you want to apply for a loan, it could be used as a contribution to the financing of your project. CLIENT : what savings products do you offer? What advantages? What limits? CONSEILLER : Before answering you. I wish to know your current situation. Do you still live in Dover? has your professional situation changed? Do you have a specific need? CLIENT : Yes we still live there. My husband who is still employed in textile import export. I resigned to start my own business as a fitness coach. We are still owners and are considering buying our primary residence. CONSEILLER : Thank you for this new information, I can suggest that you open a home savings plan (PEL). It can allow you to obtain an advantageous loan and sometimes a state premium to finance the purchase of a property or to carry out work. CLIENT : what are the details of this product? CONSEILLER : The initial payment is € 250, the maximum is € 61,200. Payments can be made periodically not exceeding 45 € per month for example. the remuneration is 1%. Interest is taxable by way of income tax and social security contributions. Does this match what your needs? CLIENT : Yes, What are the papers for this contract ? CONSEILLER : You need to send by mail or post, a file with several documents : Your Passport or ID CARD, a family book, last three pay slips, a contract work, last tax notice and that’s all. We have the others documents in our possession. CLIENT : Thank you I send the papers today. CONSEILLER : That's fine, I will let you know when I will receive your papers. Have a nice day MR/MME MALKIN CLIENT: Thank you have a nice day too