хотя применительно к банку, Вы правы, и те, и другие - клиенты

customers and clients

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Note added at 2003-10-18 01:03:21 (GMT)
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Customer and Client Relationships

Services Provided to Buyer Customers:

- Providing ready access to listing inventory, including the MLS
- Collecting pertinent data on real estate value, taxes, utility costs
- Providing neighborhood information on municipal services, schools, churches, etc
- Discussing financial alternatives
- Discussing loan qualification and processing
- Showing properties and describing attributes and amenities
- Making appointments and scheduling conferences with other parties to the transaction
- Checking applicable zoning and building restrictions
- Explaining standard forms, escrow, and settlement procedures
- Submitting offers to purchase
- Disclosing known facts about properties
- Offering property within HUD guidelines
- Monitoring closing and time deadlines


Services Provided to Buyer Clients:

Providing all of the above services PLUS:
- Entering into an agency agreement to represent the buyers in the transaction
- Performing loan analyses to find the most favorable loan terms
- Searching available properties, including FSBO and properties not listed or on the market
- Locating and showing targeted properties, pointing out strengths and weaknesses
- Performing a market analysis of chosen properties
- Preparing studies of property values in chosen areas
- Advising on offers on properties
- Determining the need for professional property inspections and warranties
- Consulting with clients on counter offers
- Negotiating on the client\'s behalf
- Shopping the loan package with lenders to secure more favorable loans and rates
- Arranging for necessary property inspections
- Reviewing closing papers for accuracy
- Keeping all client information absolutely confidential



http://www.mainemls.com/buyerservices.html.

в финансовом английском имеется различие между customer и client. Если не вдаваться в подробности, то первые - это те, кто случайно или первый раз покупают товар или услугу, а вторые - это постоянные заказчики. Для них существуют различные условия, клиенты имеют право на "индивидуальный" подход. Существует и еще более узкое деление в маркетинге (но все это может зависеть от трактовки автора учебника, поэтому не претендую на истинность): не-пользователь услуг - потенциальный покупатель - покупатель - пользователь/абонементный покупатель/клиент с различным статусом