bono de manufacturero

16:09 Aug 9, 2019 

Oh yes Jane, rebate fits much better in what I see here. I thought you had something in your context that suggested he was to get some sort of bonus but it made no sense to me :-)) What I don't see is how a rebate coupon "might inflate the perceived amount of a down payment and thus lead to a better credit deal"...

15:12 Aug 9, 2019 

But you do agree that the "bono" is a rebate? I hope so, because that's how I translated it!

11:21 Aug 9, 2019 

Hi Jane,

Sometimes there are rebates on new cars (and other items in fact) just to boost sales. But you must actually purchase them first and then send back the coupon in order to get the rebate. In other words, you have to make the full downpayment on the item yourself first. I suspect that's what's happening here. One of my past jobs in a bank was deciding credit-worthiness and the suitcase of cash would definitely set off alarms for me! But I can't agree with Enrique's explanation as I don't see where he's getting that idea.

04:16 Aug 9, 2019 

I appreciate your input! There really is no more context; it was a review exercise at the end of an online training. I just couldn't think of what kind of "bonus" a car manufacturer would give a potential buyer; the word "rebate" never occurred to me. What do you think? Does the guy get the auto loan? Does he get reported for suspicious activity that could be a red flag for money laundering? I suppose that a rebate coupon along with the cash might inflate the perceived amount of a down payment and thus lead to a better credit deal? Interesting. I love being a freelance translator. I get to look through windows onto so many different worlds!

00:46 Aug 9, 2019 

Hi Jane,

I'm really not sure here without the whole document but in banking terms it seems to me that, because applicants for loans need to show ability to repay, and this guy has a low-paying job, it's a bit suspicious that he has a suitcase of cash ready as a down payment.
That cash could be short-term borrowed from friends/family on the basis of some sort of bonus or rebate to be paid out in the near future? But does not necessarily prove he is credit worthy and/or has ability to pay off the loan if granted. Banks prefer to see steady income and/or previous loans being paid off with no missed payments.