answer: #Person1# asks #Person2# the terms and interest rates for a personal automobile loan. #Person1# plans to take the loan for 3 years, and #Person2# explains the repayment pattern to #Person1#.
documents: #Person1#: Excuse me, is this the Auto Consumer Loan Center?
  #Person2#: Yes. Is there anything I can do for you?
  #Person1#: Could you tell me something about the terms and interest rates for personal automobile consumer loan?
  #Person2#: The deadline is normally no more than 5 years with the interest adopted according to the corresponding lending rates announced by the PBC.
  #Person1#: I plan to take the loan for 3 years.
  #Person2#: Well, the yearly interest rate is 5.49 % for 3 years. I'm sure you are qualified to apply for this loan.
  #Person1#: What about the loan repayment?
  #Person2#: You may choose a repayment pattern by consulting with our bank, for example, payment of equal amount of principal or of principal and interest on monthly installments.
  #Person1#: Does that mean I should deposit sufficient money to my account prior to the monthly payment date so that you can directly deduct the repayment of the principal and interest?
  #Person2#: Exactly. You are permitted to effect and early payment in part or in full with the consent of our bank.
  #Person1#: That's very thoughtful of you. Thank you so much.
  #Person2#: You're welcome.