Original subtitles

So, what’s your name?

Fibi.

I want to open my music studio.

It’s something new.

Can I come to you? I’ll show you everything.

Ma’am? What are you doing?

How much did it cost?

I want to order...

for Christmas.

Nail machine.

Come in.

Yes, a nail machine. -Hello.

Hello.

For my wife.

Yes...Hello. -Hello.

Please, sit down.

Yes...I’ll call you...

in about an hour

Okay?

I’ll order it.

Hello. -Hello.

We have a session today, and I came to take out a loan.

Your name please.

Fibi.

Yeah, I see.

I’m listening to you.

So...

The idea is that I want to open my own music studio.

I already have some students.

And...I would like to take out a loan.

A music studio?

Yes, a vocal music studio.

Very interesting...

And you teach? -Yes, I’m a teacher.

Yes...And I want to open it.

and be a director...

and a teacher.

Interesting...

It’s something new.

So, okay...

Let’s start

I’ll ask you a few questions.

And you will answer them one by one.

Then I’ll write it on the form...

and that our system is...

gives us an answer. -Okay.

I would like to inform you that everything is being recorded here.

for our boss.

and so that we can improve communication with our customers.

clients.

Loan amount?

50 000 dollars.

Will you be contributing any amount of money?

Yes, a little bit.

What percentage?

Two percent.

Two percent? -Yes.

Everyone has to start somewhere.

So, Okay...

How old are you?

Twenty five.

Are you married? -Yes.

So, married... -Yes.

I also need to know what kind of income you have.

you can include your husband's income.

Unfortunately, there is a problem with that now.

and that's why I decided to implement this idea.

Open my music studio.

Start from the beginning.

I need to know the approximate amount.

50 000 dollars. -For two?

So mainly your husband earns the money?

So...no.

So, mainly you? -Yes.

Does your husband work anywhere?

He's trying something, but he's not very good at it.

I understand.

So your husband can't help you with your business?

Unfortunately, he doesn't support me.

I understand.

Listen, we have a small problem here.

We check our clients against databases of debtors.

Unfortunately, we can see here that...

you didn’t pay back three loans on time.

And you're still paying off one loan for your mobile phone.

And you can see it?

Yes, we have a shared system with other banks.

Don’t worry about it.

I assure you that when I open it...

I’ll pay everything.

I understand. Do you live in your own house or do you rent?

Yes, in a rental.

Somewhere in a town? -Yes.

How much do you pay for your apartment? -Two thousand dollars.

Including utilities?

What?

Including utilities? -Yes.

Yes, something like this.

Do you have a car?

One? -Yes.

Are there any payments on it?

Well, basically, there were no fines.

Is this your car? -Yes.

So gasoline costs $300 a month?

So the loan amount is not small.

50 000 dollars.

There is...

The problem is that your husband doesn't work.

because if we increased your income to...

at least 3-4 thousand a month...

then...

It would be more likely...

Your loan.

But I've already found a space.

I need to do some minor repairs there.

But I already have clients and students.

So I believe I can do that.

So you already have some clients? -Yes.

I already teach in a music school, but...

I just want my own.

Okay, I understand.

Where is your space?

How much does it cost to rent?

Rent... five thousand dollars a month.

This is a lot... -Yes, but there will be...

about three or four classes.

So there will be a piano...

and a vocal class.

Maybe some acting classes.

I want to open something big

that is not available in this country.

So, this is my idea...

and I want to do that.

And do you sing and play well? -Yes, I’m singing.

Do you sing? -Yes, and I play the piano a little...

a little, for myself. -I understand.

Look, I like everything...

Do you have a business plan? -Yes.

So, five thousand is the rent.

Will you be working there alone at first?

Yes, I plan to work alone.

And why do you need such a large space at the beginning if you will be working alone?

I want to...I have a few teachers there...

who I would like to hire.

So, will there be a wage? -Yes.

How long do you think it will take for this business to pay for itself?

I think I need a year.

Are you sure? Is a year enough?

I just want the children who will attend this school...

to have concerts later on.

Parents will attend their children's concerts.

That will also be some kind of payment.

I think I can manage it in a year.

Look, I think we have some kind of...

government subsidies for schools like that...

but the thing is, you don't have a very good credit history.

I could advise you...

we could give you a maximum of...

15 000 dollars.

And you can also try to get some student grants...

from the government. They should provide such grants.

But that's not possible, because I need it right away.

I just have grand ideas, so I'll pay for everything.

But 15 000 isn't enough.

I calculated that...

It will be around forty five thousand.

Somehow for three months

Look...

I'll try to discuss it with my boss.

He's calling me right now.

Hello, yes...

Yes, Yulia Ivanovna...

I’ll come to your office.

I have a client here...

she has a good business plan, but...

that's not enough, can I come to you?

I’ll show you everything.

And we'll decide, okay?

Wait here, please.

I’ll go to my boss.

So, my boss...

Ma'am, what is it?

I’m sorry.

Wait, what are you doing?

What is it?

I just got a little overstressed, and...

and I thought I was having my period. -Are you overstressed?

Yes...

What?

So?

Menstruation?

Let's not play dumb.

You want a loan this way?

No, it happens.

It’s just... -What do you mean?

I thought you would...

talk there longer, sorry.

Do you have a problem?

No.

Are these your panties?

Why are they on my desk?

This is an awkward situation...

I don’t see your period...

but I thought so...

because they’re a little bit wet.

But this looks like...

Yes, this is cringe.

Very interesting situation...

so that you don't feel this way...

Is there anything I can do to help you?

I can also change my underwear. -No, no, please.

Let's forget about it.

I was with my boss, and she...

but I don’t understand...

why from this side...

of the table?

Just so I can hide

if something happened.

But you came earlier.

Are you okay?

Everything is great.

So that you don't feel this way...

What are you doing?

I want to help you -No, stop...

You think this is okay, I don’t think so.

If you think it will affect something in some way...

No, I don't think it will affect anything.

Nothing will change this situation.

It just happened.

It just happened? -It happens...

What are you doing now?

Are you embarrassed? -Yes, very much.

Well, actually, I didn't change my underwear here.

And now you feel embarrassed?

Oh god.

Let’s solve this problem together.

No, what are you doing?

Come on...put on your pants.

No, let’s solve this problem together.

I'll come back later, because I can see you're not going to give me a loan.

I will give you a loan.

Really?

I will give you a loan.

Okay...

50 000, right? -Yes.

Do you know this is a big amount of money?

Yes, very big.

So, we're going to change your underwear?

Let’s try...

Let me help you anyway.

Please take off your blazer.

I think...

we can solve this underwear problem.

Give me your panties...

that you're wearing right now.

I see you know what you’re doing.

We’re very professional.

We have a very professional team...

that helps people...

start their own businesses. -I wouldn't say so.

Do you understand that...

Oh my god, where am I...

What a day...

Do you understand that everything is in your hands?

I understand it.

So let's not waste time

Oh god...

Do you want this loan or not?

I want it.

Is this the first time you've taken out a loan in this way?

Yes, the first time.

Are you sure?

Do you really want that loan so badly?

Yes.

That much?

Your husband would be sad if he saw you like that.

Probably...

Can you stand up?

I want to see your long legs.

And you're going to keep sucking me off like this.

Okay...

I want you to sit on my face here.

Can you do this?

Yes?

Let’s try...

Great.

You have a very interesting job.

We give loans.

Oh my god, yes...

Let’s continue.

Our session...

Come on...

I think we need to...

Don’t worry...

I think your cabinet is falling apart.

I think you're going to ruin it when we finish.

I’m sorry...

You know, you're lucky that I'm working today.

Yes.

If someone else were here, they wouldn't give you a loan.

You’re right.

Yeah, you’re not bad.

It's getting hot here..

I can help you. -Yes.

The ventilator isn't working here.

Management is cutting costs.

You know, your husband would be very disappointed.

It doesn’t matter.

Okay then.

I didn't expect this from you. -Neither did I.

I think you’re shy.

Come on, stand here.

I have other plans for you.

Lift your leg up.

This is so awesome.

Oh my god.

A typical day at our bank.

They abruptly gave me a loan.

Let’s...

Let’s what?

You’re beautiful.

It's a way of taking out loans.

I'm going to take off this dress, it's bothering me.

I’ll help you.

Yes, come on.

I see... -What?

I see you enjoy sex with a stranger.

What?

You enjoy sex with a stranger?

About this...

You look horny.

you're just so good looking.

As soon as I walked in, I noticed.

Thank you.

Yes, I am.

An awkward situation happened today.

Don’t worry.

But what did it lead us to?

And we're not done yet...

This procedure for getting a loan.

You’re such a dirty bitch.

Show me your ass.

Don’t be shy.

So, do you like our company?

Yes...

I’m ready to go here every day.

Yes? We haven't finished signing the contract yet.

We still need to meet next week.

Okay.

Finish some paperwork.

I'll be happy to come.

Everyone comes back to us with joy.

Really?

All our clients.

Yes.

Let’s...

What?

I guess we could probably finish it.

Okay... -We'll be summarizing...

our procedure.

So...

You know, I'll cum on your face and in your mouth, everywhere.

No, that's a bit too much.

But I want to.

Or I won’t cum.

I need this.

I need you to say you want it.

Okay, I want it.

No, I want the appropriate intonation.

I want this.

I want it with a moan.

I want it.

Okay, good, keep going.

I’ll give you what you want.

More split.

Like this?

Stick out your tongue.

You know, you did everything right, but...

that doesn't excuse you...

for changing underwear in my office.

Changing underwear.

So, we will give you a loan.

I will sign it, but...

you will undergo a...

solvency check every week

Okay?

Okay.

We agreed, right?

-Yes.

My wife and children are waiting for me.

Okay. -And other clients.

So go home. I'll send you the papers by mail.