God of Life

After picking up the rice, taking a bath, the tiredness came up, Wang Yan was tired, hot and hungry, and threw up his tongue.

It's not easy tossing around in the summer.

It would be nice if there was a car, with the air conditioning blowing a little wind, comfortable to do things, why be so offended.

Well, when you've saved enough money, you have to bring up a car!

Sounds like the Audi A4L would be nice, stylish and classy enough to drive in college campus, it must be very windy!

In fact, Wang Yan had never seen any luxury cars. He was born in the village of Chengzhong. Before he came to demolish, he was a rural child.

Even if it's lucky, it's a flash house.

Among the models that drove to the front door of the campus to pick up their children from school, Wang Yan most appreciated the A4L, purely because it was a good car.

YY opened the A4L wind for a while and Wang Yan gradually fell asleep.

He fell asleep early yesterday but couldn't sleep again and again. He got up early this morning and tortured again. He was really tired.

In dreams, the sky intertwined with light into a palace, the beautiful women in the palace were like clouds, with rare wine on the throne, the palace crowded with national trench merchants, waving all kinds of novel things, trying to make one of the kings laugh.

Ma Yun: “Your Majesty, look at the treasure I've picked up! ”

Horse Vine: “Want a shot, King? ”

Musk: "Only my big rocket deserves the king! ”

Gates: "Take your rocket! Microsoft is the one who enjoys it the most, it hurts to be too hard! ”

Such as: "King, wear our clothes, you are not afraid of hardness anymore! ”

……

Waking up from a messy dream, Wang Yan was stunned to find that his pants had raised a tent.

What do you mean, man?

Protesting every morning is not enough, now is the time to prepare for the uprising?!

Will you put up with it?

There's no one on the shooting list. Empty guns don't fit the identity of a god!

Okay, let's talk about putting the Yakuza down. The certified boss called.

“Done? All right, I'll be right there! ”

……

Two simple things, Wang Yan 300 yuan.

Take the carrot stamp and press it on the discarded document of the Education Bureau. The two stamps are basically the same and the craftsmanship is pretty good.

Good, worth it!

As for the payment list, Wang Yanqi made 30 copies. Can't you just use it? Anyway, do your best.

Go straight home, print 30 blank income certificates in a fixed format at the village entrance, hand filled and stamped.

Put your things away, Wang Yan carefully counted them, basically all.

ID card get √

Bank card get √

Work unit get √

Proof of Income

Office Fixed Word Get √

House Charge Documents Get √

Get √ with phone number over six months

Important contacts get √

Just the same: individual credit report.

Wang Yan logged into the People's Bank credit center using his new mobile number, registered as Liu Dapeng, queried personal credit information, and saved PDF.

Bring the whole bunch of guys, cheerful, straight to the financial street.

We can't go to the lake sea without renting the house now. Wang Yan walked into the first store on the right side of the street at will.

The company, Changfu, was not even renovated on the ground floor, and several empty rooms and waiting areas were empty, with only a lonely information desk standing in front of the stairs.

Wang Yan said, "I want a loan." The receptionist immediately called down a marketer.

Running on the floor with a pair of high heels, a young girl came down and even seemed more juvenile than Wang Wang said intentionally without a shave.

Wang Yan's skin was not very good, it was dark and rough, and he looked like he was in his early 20s, so the girl came up and said, "Brother."

Wang Yan smiled and went upstairs with her.

Greetings in the stairs, no need to check at home.

“As long as you don't take out a mortgage or offer a contract to buy a house, you don't have to go to the house to verify the housing situation," the girl replied. ”

Good, start filling out the list.

When filling in the blank question, the girl encouraged: “Brother, you can directly apply for a credit loan of 80,000 yuan. With your institution, 7,000 monthly salary, even if discounted, the above will give you 60,000 yuan. ”

Wang Yan insisted on applying only 40,000 yuan.

It's not that I don't want to get more money, it's that I have the whole story.

According to Xizi, the small loan company has a very important segment - over 50,000, under 50,000.

Once an application exceeds 50,000, not only will it be more scrutinized, but there is a 50 per cent probability that it will be killed, and the higher the amount of the application, the more difficult it will be to approve.

Apply for 40,000, with good credit, with a 90% chance of going straight through.

Go to 20 small loan companies to make 20 loans, apply for 50,000 each, have a 50% probability of going through a review, and eventually get 500,000.

40,000 per application, 90% probability of going through the trial, and finally getting 720,000.

What's the gap?

And more importantly, the level of post-credit attention varies between the two.

Especially at the time of collection, more than 50,000 is a must-have, the sequence is extremely forward, can not be rushed and has been hanging in the important supervision library.

Less than 50,000 are selective collections, with a relatively low ranking.

And the old drivers have a way of continuing to lower the collection order --

Biennial loans for a total of 24 months.

When the money comes down, repay it on time for 4 months.

At this time, more than 10,000 had been repaid, and the collection order was basically minimized, after which it would not matter if a penny was not paid.

Companies have a lot of bad debts, they collect them in order, and they can't rush you in the next life.

Until the small loan company packages and sells the bad debts, that's even better, the recipient can not accept the interest service fee late payment of the small loan company, only the actual loan principal, basically a discount on the acquisition.

For debts under 50,000, people receive less than 5,000 in hand, which is unreasonable.

Soon, that debt will disappear into a vast financial river.

Instead, customers who defaulted in the first month, in the collection sequence, were fairly high and would be chased and bitten.

Wang Yan's plan is to pay for four months and throw away the mobile and bank cards. Bye.

The total amount owed for principal and interest is donated to the orphanage and is not reserved for microfinance companies.

After reading several news stories about campus loans, he was quite unfamiliar with the bloodsucking companies that these deformed societies bred, relying on their accounts, without feeling guilty at all.

The reason I need 4 months is that I don't want to cause even a little trouble for Brother Da Peng. Everything is fake, only the ID number is true, and I can't help thinking about it.

Therefore, Wang Yan will prepare another million for Brother Dapeng on the day when it can be made public. It should be enough to sustain a sale, it is a small compensation.

……

Continue filling out the form for 24 months for renovation…

It's the end of some fine branches, and it's going well.

Then take the girl and the marketing manager to the education bureau and verify the unit.

It was during the educational holidays in July that Aunt Wang Yan was in the unit only after contacting the new uniforms of the schools. No other office could even see a ghost.

Wang Yan opened the office door with a key and the manager smiled. “Don't worry, sir, we'll upload the application tonight. If it goes well, call back tomorrow morning and you can sign for the money in the afternoon. ”

The two sides waved goodbye, Wang Yan was cheerful and ran seven more houses.

Four units are even lazy, and one in the remaining three is in need of a home inspection, which has not yet been completed.

At this time, it was the golden age of the hottest offline microfinance stores, and the tiny words, like a drop of water in the ocean, were so tiny and unnoticeable.

When I went to bed tired at night, Wang Yan even wondered: How many houses can I make?

Fifty?

A hundred?

Every day a new company opens up, every day an old company goes bankrupt, what a barbaric and vibrant industry...

Sleep well overnight.

The next day he got up, Wang Yan changed his clothes, buckled his duck tongue hat, and went out with the donkey bag he bought last night at the night market.

Continue to make small loans.

When filling out the list, Wang Yan saw an undisguised mockery from a sales eye, presumably because the donkey bag was too fake?

Wang Yan was not only angry, but filled with bad thoughts: When your money comes down, I will buy a genuine product and say thank you in advance!

At the beginning of the morning, successive verified calls were made, beginning with 010, 021 and so on.

Chang Fu's risk management asked a special question: "Sir, why is your office phone unanswered? ”

Wang Yan calmed down and replied: "Summer vacation in the bureau, of course colleagues are not here. If you need me, I can come back next afternoon and give you a response on the office phone. ”

The customer service said nothing more and said goodbye politely.

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

“Sir, your loan has been approved and can be signed! ”

Wang Yan sent the manager away quietly, then took a taxi alone and rushed to Financial Street.

The signing process was very simple. After 10 minutes, Wang Yan entered the password silently before arriving at the CCB ATM.

Balance: RMB 40000.00!

First small loan, smooth!