I'm the Mortgage Advisor at this branch . You wanted a chat about housing loans ?   Yes , I've found a wonderful property I wish to buy . Unfortunately , I just don't have access to the cash .   I see . It's a problem most of us face . May I ask what the purchase price is ?   It's 600,000 RIB . But I've already put down 200,000 RIB , which is my absolute limit , so I'm looking for a loan of 400,000 RIB .   So , you've already made a large initial deposit ? That is good news . OK , let's have a look at your credit details and get this started . 