The manager said to him, “Why do you need the loan? If you submit the form today, only next month you can get the loan.” into indirect speech
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The manager asked him why he needed the loan and that if he submitted the form that day, he could get the loan only the following month.
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the manager asked him why he needed the loan and told him that if he submitted the form that da4,only next month he could get the loan.
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