God of Life

After grilling the meal, taking a shower, exhaustion flooded up, Wang Yan was tired, hot and hungry, sticking out his tongue.

Great Xia, it’s not easy to toss around.

It would be fine if there was a car. Turn on the air conditioner and blow on Little Feng, and do things comfortably, so why suffer so much.

Well, when you have enough money, you must go and pick up a car!

It seems that the Audi A4L is good, stylish in appearance and high in price. When the time comes opened on a university campus, it must be very popular!

In fact, Wang Yan has never seen any luxury cars. A cub born in a village in the city was a rural baby before the demolition.

Even if good luck is really demolished, Dingtian is a nouveau riche.

Among those cars that drive to the gate of the campus to pick up their children from school, Wang Yan’s favorite is the A4L, which is considered a good car based on its appearance.

Wang Yan gradually fell asleep while YY was driving A4L.

I lied down early yesterday but couldn’t fall asleep over and over again. He was really tired after waking up early today and tossing all morning.

In a dream, in the sky intertwined with rays of light to form a palace, the palace is beautiful like a cloud, holding precious wines and offerings to the throne, and the hall is crowded with merchants from all over the world, waving All kinds of novelties, trying to win the king’s smile.

Ma Yun: “My lord, please look at the treasure I found!”

Ma Huateng: “My lord, do you want to send LOL?”

Musk: “Only my big rocket is worthy of letting the king come!”

Gates: “Take your rocket! Microsoft’s state is the most enjoyable, too hard will hurt! “

Pin such as: “My lord, wear our clothes, no matter how hard you are afraid!”

……

Wake up from a messy dream, Wang Yan was stunned to find that his pants had actually set up a tent.

What do you mean brother?

It’s not enough to protest every morning. Are you preparing for an uprising now? !

Can you bear with me?

There is no one on the shot list. Emptying the gun does not meet the identity of Shenhao!

It’s good to discuss and appease the rebels. The big brother who applied for the certificate called.

“It’s done? Okay, I’ll go right now!”

……

Two simple things, I charged Wang Yan 300 yuan.

Take the carrot seal and click on the discarded document of the Education Bureau. The two seals are basically the same, and the craftsmanship is quite good.

Good value!

As for the bill payment form, Wang Yan made 30 in one go. It’s hard to say whether it can be used up or not. Anyway, he tried his best.

Go straight home, print 30 copies of a blank income certificate in a fixed format at the village entrance photocopying company, fill in one by one, and then stamp it.

Pick up the good things, Wang Yan took a careful inventory, and they are basically all.

ID card get√

Bank card get√

Work unit get√

Income certificate get√

Fixed office phone get√

House charge receipts get√

Mobile phone numbers with more than half a year get√

Important contacts get√

Only the same: personal credit report.

Wang Yan uses the new mobile phone number to log in to the People’s Bank of China Credit Center, register as Liu Dapeng, check personal credit information, and save the PDF.

Bringing a full set of guys, arrogant and arrogant, went straight to the Financial Street.

I haven’t rented a house now, so I definitely can’t go to Huhai. Wang Yan walked into the first store on the right side of the road casually.

The first floor of this company called Changfu was not even decorated. The few empty rooms and waiting areas that were separated were empty except for a lonely information desk in front of the stairs.

Wang Yan said “I want to take a loan,” and the front desk quickly called a salesperson.

A trot of high heels knocking on the ground, a young girl came down, who looked even younger than Wang Yan who hadn’t shaved deliberately.

Wang Yan’s skin is not very good, it is darker and rougher, coupled with sorrowful stubble, it looks like she is in her early 20s, so the girl said “big brother”.

Wang Yan held back a smile and followed her upstairs.

Say hello in the stairs first, do you need to go home to check.

The girl replied: “As long as you don’t apply for a real estate mortgage or provide a house purchase contract, you don’t need to come to verify the housing situation.”

That’s good, start filling out the form.

While filling in the blanks, the girl kept agitating: “Big brother, you can directly apply for a credit loan of 80,000 yuan. With your business unit and a monthly salary of 7,000, even if the above is discounted, it will I will grant you 60,000 yuan.”

Wang Yan insisted on applying for only 40,000 yuan.

It’s not that I don’t want to get more money, but I have the overall situation in my mind.

According to Xizige, small loan companies have a very important division-above 50,000 and below 50,000.

Once the application fee exceeds 50,000, not only will the review be more detailed, but the probability of being killed is as high as 50%. The higher the application amount, the more difficult it is to approve it.

If you apply for 40,000, there is a 90% chance that you will pass directly if the credit is not bad.

Go to 20 small loan companies to do 20 loans, each time you apply for 50,000, the probability of passing the review is 50%, and you will eventually get 500,000.

Every time you apply for 40,000, the probability of passing the trial is 90%, and you will eventually get 720,000.

How big is the gap?

More importantly, both have different emphasis on post-lending.

Especially when collecting collections, more than 50,000 yuan is a must. The sequence is extremely high, and it has been hanging in the important supervision library if it is not collected.

Under 50,000 is selective collection, and the ranking is relatively low.

Moreover, the old drivers have ways to continue to reduce the collection order——

Do a two-year loan, a total of 24 months.

Wait for the money to come down and repay on time for 4 months.

At this time, more than 10,000 has been repaid, and the collection order is basically reduced to the lowest. After that, it doesn’t matter if you don’t pay a penny.

Each company has a large number of bad debts, which are collected according to the order, and they will not be able to remind you in the next life.

When the small loan company packs up and sells the bad debts, it is more appropriate. The contractor does not accept the late payment fee for the interest service fee of the small loan company. Only the actual loan principal is basically purchased at a discount.

For debts below 50,000, the cost of receiving less than 5,000 is too lazy.

Soon, that debt will disappear in the vast financial river.

On the contrary, customers who defaulted in the first month have a very high status in the collection sequence and will be chased and bitten.

Wang Yan’s plan is to pay back the money for 4 months, then throw away his mobile phone card and bank card, bye.

The total amount of principal and interest owed is donated to the orphanage, not to the small loan company.

After reading a few news about campus loans, he is quite uncomfortable with the blood-sucking companies bred out of these deformed societies. Relying on their accounts, he will not feel guilty.

The reason why I have to pay for 4 months is that I don’t want to cause Dapeng brother even a little trouble. Everything is fake. Only the ID number is real. It’s rather helpless to think about it. .

So, until the day when it can be published, Wang Yan will prepare another 1 million for Dapeng, which should be enough to support a lot of business, which is a small compensation.

……

Next, continue to fill in the form, the period is 24 months, and the purpose is for decoration…

They are all small details, and they are done smoothly.

Then take the girl and the marketing manager to the Education Bureau to verify the unit.

July is when the education entrance is on holiday. Aunt Wang Yan is in the unit after contacting the new school uniforms of various schools. In other offices, I can’t even see a ghost shadow.

I saw Wang Yan using the key to open the office door. The manager said with a smile: “Sir, please don’t worry. We will upload the application tonight. If it goes well, we will call back tomorrow morning. Sign the contract and get the money.”

The two parties waved goodbye, Wang Yan hurriedly ran away seven more.

There are 4 companies that don’t even bother to go to the unit, and the remaining 3 families need to check their housing, which has not been completed yet.

At this time, it was the golden age when microfinance offline store business was the hottest. The little Wang Yan, like a drop of water in the ocean, was so small and unobtrusive.

Wang Yan even wondered when he went to sleep exhausted at night: If this continues, how many houses can I build?

50?

100?

Everyday all has new companies opening, and everyday all has old companies closing down. It’s really a barbaric and life-force industry…

A good night’s sleep.

Woke up on 2nd day, Wang Yan changed clothes, buttoned his cap, and went out carrying the donkey brand briefcase he bought at the night market last night.

Continue to credit small loans.

While filling out the list, Wang Yan saw a trace of undisguised ridicule from a certain salesperson. It is probably because that donkey bag is too fake?

Wang Yan is not only not angry, but full of evil fun thinking: When your family’s money comes down, I will buy a genuine product, thank you in advance!

In the morning, verification calls came in successively, starting with 010, 021 and so on.

Chang Fu’s risk control asked a special question: “Sir, why is no one answering your office phone?”

Wang Yan calmly replied: “The bureau is in summer vacation, colleagues Of course not. If you need to, I can go back in the afternoon and use the office phone to respond to you.”

The customer service said nothing more, politely said goodbye.

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

“Sir, your loan has been approved, you can come to sign!”

Wang Yan quietly sent away the manager, and then drove a car alone, hurriedly Hurry to Financial Street.

The signing process is very simple. After 10 points, Wang Yan came to the CCB ATM and silently entered the password.

Balance: 40000.00 yuan!

The first small loan was successfully received!