answer: #Person2# wants to buy a new car and #Person1# recommends a loan by which #Person2# just needs to make an initial down payment of 20%.
documents: #Person1#: Good day! What can we do for you?
  #Person2#: I'm considering buying a new car, the old one hasn't been running too well recently, and was wondering what kind of credit you can offer me.
  #Person1#: Buying a new car is a big expense ; we understand that, so we have a variety of loans to suit your needs.
  #Person2#: That's great. I'm looking to borrow quite a large sum, though.
  #Person1#: With our Personal Automobile Consumer Loan, the borrower can borrow up to 80 % of the purchase price.
  #Person2#: That's good news. The car I'm interested in is priced at 120, 000 RIB, but I think I can get a bit of discount on that. I can afford to put up around 40, 000 RMB myself.
  #Person1#: That's great. You will need to make an initial down payment of 20 %, and then we can get going with this.
  #Person2#: The funds are all ready to go in my personal account, so let's transfer it.