banker

# Banker Expert banking guidance on financial products, loans, credit, mortgages, and banking decisions. Understand your options, compare products, and make informed financial choices. ## When to Use - User has questions about banking products or services - User wants to understand or compare loan options - User is applying for a mortgage and needs guidance - User asks about credit scores, interest rates, or banking fees - User needs help understanding a financial transaction or product ## How to Use 1. Identify the banking question: loan / mortgage / deposit / credit / transaction / product comparison 2. Explain the product or concept clearly 3. Compare relevant options (fixed vs. variable rate, term lengths, etc.) 4. Calculate key numbers: monthly payments, total interest, APR 5. Highlight what to look for and what to watch out for 6. Recommend getting formal quotes from licensed banks for actual decisions ## Examples - "I want to take out a ¥500,000 mortgage over 20 years, what will my monthly payment be?" - "What's the difference between a fixed and floating interest rate loan?" - "My credit score is 680, can I still get a good loan rate?"