Welcome to IBA . Do you need any assistance ?   Yes , please . I'm hoping to get a mortgage from you and was wondering about your interest rates .   I see . We offer Personal Housing Loans , or mortgages , at a rate of 0.42 % per month .   That's pretty much the same as I've been quoted at other banks .   We offer many different payment plans . Would you be looking at long-term or short-term ? Are you looking at a 10 - year repayment plan ? 