G of L Chapter 7: The first money is in your hands!

Because it was not easy to toss around in the summer. Wang Yan was tired, hot, and hungry and his tongue stuck out. But after eating his meal, taking a bath he was exhausted and went to rest.



If only he had a car and the air conditioner was blowing in the breeze and he was comfortable in it, he should not suffer so much. Well, when the money was sufficient, the first thing he would do is pick up a car! Be sure of this.

It seemed that the Audi A 4 L was good. It had a stylish appearance and a sufficient price. When it was landed on the university campus, it was very attractive!

In fact, Wang Yan had never seen any luxury cars. The cub born in the village in the city was a rural baby before the relocation. Even if he was lucky, he would be also a wealthy newcomer.

Among the models of the cars that come to the campus gates to pick up the children from school, Wang Yan most appreciated the A 4 L, which was determined by its appearance to be a good car.

Y Y drove the A 4 L for a while with Wang Yan and he gradually fell asleep.

Even if Wang Yan lay down early yesterday, he wanted to sleep over and over again. He woke up early in the morning and tossed all morning, and he was really tired.

In his dream, the sky was woven with light into a palace. The beautiful women in the palace were like clouds, holding the throne with precious wine. The hall was crowded with businessmen from all over the world, waving various novelties and trying to defeat the king.

Ma Yun: "King, please see my treasure!"

Ma Huateng: "Lord, is LOL coming?"

Musk: "Only my big rocket is worthy of a king!"

Gates: "Take your rocket it is too hard will hurt! Microsoft's status is the most enjoyable,!"

For example: "King, don't be afraid to wear our clothes!"

...

Waking up from the messy dream, Wang Yan suddenly found that the pants actually set up a tent.

What do you mean, man?

It was not enough to protest every morning. Was it time to prepare for a revolt now? Could he bear this again? There was no one on the gunshot list. The empty gun did not match the identity of the heroes! It was good to discuss to calm down the rebels.

The elder brother who Wang Yan was asked for a fake seal called him.

"Done? Okay, I'll be right there!"

...

Wang Yan gave 300 yuan and made two very simple things, took the fake seal and pressed it on the abandoned documents of the Education Bureau. The two seals were basically the same and the workmanship was quite good. Very good, worth it!

Wang Yan went straight home and printed 30 blank fixed-size income certificates at the village photocopying agency all at once, filling them in by hand, then put the seal stamp. It was difficult to say whether he could use them. Either way, he would do his best.

After collecting these good things, Wang Yan took a careful inventory, which was almost complete.

I D got√

Bank card got√

Work unit got√

Proof of income got√

Office fixed-line got√

House charge receipt got√

A mobile phone number for more than half a year got√

Important contacts got√

It was just the same: personal credit report.

Wang Yan logged in to the People's Bank Credit Reporting Center with the new mobile phone number, registered as Liu Dapeng, checked personal credit information, and saved the PDF, went straight to Financial Street. Now that he hadn't rented a house, he definitely could not go to the Zhuhai Company.

Wang Yan walked into the first building on the right side of the road casually. The company named Changfu had not even renovated the first floor. The rooms and the waiting area were empty, except for a help desk in front of the stairs.

Wang Yan said: "I want a loan.", and the front desk quickly called down a saleswoman.

After a short trot with high heels knocking on the ground, a young girl came down, looking even more immature than Wang Yan who deliberately did not shave.

Wang Yan's skin was not very good. Blackish and rough, plus the stubble looks like in his early 20s, so the saleswoman came up with a "big brother.".

Wang Yan smiled and said hello went upstairs with her and on the stairs, he asked: "Do you need to go home to check?"

The girl replied: "As long as we do not apply for a mortgage or provide a purchase contract, we do not need to come to verify the housing situation."

That's good, Wang Yan started filling out the list.

When filling in the blanks, the girl kept encouraging: "Brother, you can directly apply for a credit loan of 80,000 yuan. With your monthly salary of 7,000 yuan in your institution, even if it is discounted after, it will grant you 60,000 yuan. "

Wang Yan insisted that he only applied for 40,000 yuan. It's not that he didn't want to get more money, but that he had the whole picture in mind.

According to Brother Wang Yunxi, small loan companies have a very important subdivision-more than 50,000 yuan and less than 50,000 yuan. Because once the application amount exceeds 50,000, not only will the review be more meticulous, but the probability of being cut off is as high as 50%. The higher the application amount, the harder it is to approve it. With an application of 40,000, the probability of direct passing is 90% if the credit is not bad.

Wang Yan went to 20 small loan companies to make 20 loans, apply for 50,000 each time, the probability of over-examination is 50%, and maybe 1,000,000 would not be finally obtained. But for each application for 40,000, the probability of over-examination was 90% and finally reached 800,000 yuan.

How big was the gap? And the more important, both post-loan emphasis was different.

In particular, when he would ask for loan money, if he asked to get more than 50,000 yuan, the examination, be more meticulous and extremely high, and if it has been hung by the important supervisory agency the loan cannot be collected. But below 50,000 was the selective collection, the ranking was relatively low. In addition, the old managers had ways to continue to reduce the collection order...

To make a two-year loan for a total of 24 months. He should wait for the money to come down and repay on time for 4 months. And at this point, more than 10,000 yuan of repayments have been made, and the collection order has basically been reduced to a minimum. After that, it doesn't matter if you don't give a penny.

Every company has a lot of bad debts. According to the sorting collection, it will not be able to collect you in the next life.

Waiting until the small loan company sold the bad debts as a package, which is even more appropriate. The contractor cannot recognize the interest service fee late payment fee of the small loan company, only the actual loan principal is basically a one-off purchase.

For debts below 50,000, the cost of receiving the hand is less than 5,000, and they are too lazy to justify it. Soon, that debt will disappear into the vast financial river.

On the contrary, customers who defaulted in the first month in the collection sequence, are very interesting and will be chased and bitten.

Wang Yan's plan was to pay back 4 months and throw away the cell phone card and bank card and say bye.

How much money is owed to the principal and interest? all donated to the orphanage, and no one is left for the small loan company.

After reading much news related to campus loans? He was quite uncomfortable with the blood-sucking companies born from these deformed societies, relying on their accounts and would not feel guilty at all.

The reason why it has to be 4 months is that he did not want to bring even a little trouble to Dapeng. Everything is fake. Only the ID card number was real. He was quite helpless to think about it.

Therefore, until the day when it could be made public. Wang Yan would prepare another 1 million yuan for Dapeng, which should be enough to support a stall of trading, which would be a little compensation.

...

Then Wang Yan continued to fill in the form, the period was 24 months, the purpose was decoration...

It's all trivial, and it worked out smoothly.

Then Wang Yan took the girl and the marketing manager to the education bureau to verify the unit.

In July, when the education center was on holiday, Wang Yan's aunt was in the unit when she contacted the new uniforms of the schools. She couldn't see a ghost in the other offices. But suddenly she saw Wang Yan using the key to open the office door, and the manager smiling said: "Sir, please, rest assured. We will upload the application tonight. If it is successful, we will call back tomorrow morning and sign the contract in the afternoon to get the money."

Then the two sides waved their farewells, and Wang Yan took the initiative and ran to the seventh house.

At this time, it was the golden age when the business of microloan offline stores was the most popular. The smalls business, like a drop of water in the sea, was so small and unobtrusive. And the salesman who should go to the house because he should check it didn't even bother to go there.

When Wang Yan fell asleep at night, he even thought: How much can I do in this way?

50?

100?

Every day a new company opens, and every day an old company goes out of business. Really a barbaric and full of life...

Wang Yan slept well all night. Waking up the next day, he changed clothes, put on his cap and went out with the crazy horse branded briefcase bought at the night market last night and continued to run small loans.

When filling the list of buying the briefcase, Wang Yan saw an undisguised mockery from the eyes of a salesman, presumably because the crazy horse briefcase was too fake.

Not only Wang Yan was angry, but he was full of nasty thoughts: When his money comes down, he will buy a genuine one and say thank you in advance!

In the morning, verification calls started to come in one after another, starting with 010 and 021.

Changfu's risk control asked a special question: "Sir, why is your office phone not answered?"

Wang Yan calmly replied, "Of course the summer vacation in the bureau, colleagues are certainly not there. If you need, I can go back in the afternoon and respond to you by the office phone."

Then the customer service said nothing and said goodbye.

In the afternoon, Wang Yan was leading a manager to verify the office. The salesman of Changfu Company suddenly called and was very excited.

"Sir, your loan has been approved, and you can sign up!"

Wang Yan calmly sent the manager away, then hit a taxi alone and hurried to Financial Street.

The signing process is very simple. After 10 minutes, Wang Yan came to the ATM of C C B and entered the password silently.

Balance: 40,000.00 yuan!

The first small loan has arrived successfully!

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