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  3. Small Business Division Quarie Banking Fendalton Building I High St CBD, Oakland September 14, 2010 Lily

Small Business Division Quarie Banking Fendalton Building I High St CBD, Oakland September 14, 2010 Lily

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问题 Small Business Division
    Quarie Banking
    Fendalton Building
    I High St
    CBD, Oakland
    September 14, 2010
    Lily Putnik
    121 Sandringham Road
    Mount Albert, Oakland
    Dear Ms. Putnik,
    I am writing in relation to your application for a loan of $20,000, dated August 29, to start a new venture in online education. After reviewing your personal credit history, your business plan, and the current market situation, we have decided to approve the application. Please note that this approval comes with a number of terms and conditions.
    Firstly, the interest rate at which the loan will be charged is set at a fixed rate of 6.5% for the first 6 months. Beyond that, the interest rate will be paired to the standard floating rate. The current floating rate is 6.7%.
    Secondly, you have opted for fixed-term interest only repayments. This means that, for the first 3 years, you will only be able to pay back the interest on the loan. After that, you will be expected to start paying off the principal as well.
    Finally, at Quarie Banking, we regard entering into a loan agreement as the start of a business relationship. As a Quarie Banking business customer, you are now able to make use of our free business mentoring program..You can also access a range of online resources about business management on our website at www.quariebanking.com.
    Regards,
    John Schmidt
    Manager, SmallBusiness Division
What is Ms. Putnik required to do?
选项 A、Repay the debt within 3 years
B、Make no repayments in the first 6 months
C、Select between a fixed or floating interest rate
D、Cover the interest only in the initial stages
答案D
解析
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