Real estate players

Huang Mian doesn't remember the specific content of the couplet.

But he remembers that the landlord told him at the time that the light button that reminded the elderly to open the door was under the word "filial piety".

"I don't know if the landlord enters the house every day and presses the word filial piety. Will he feel a little uneasy in his conscience?" Huang Mian thought, and then he smiled to himself and found himself silly again.

He is a grandson and he has the key!

After a moment of silence, Huang Mian spoke again: "Boss, is there no way to stop it? I think if it really ends like this, the old man will be too pitiful."

"There are so many people in the world who are suffering, and there are countless people who are more desolate and miserable than the uncle. Can you manage it?" Chen Jin asked back.

Huang Mian stagnated, and her face became bitter.

Chen Jin looked at him, sighed, and took out the phone by himself.

"Boss." Chen Jin said to the other end of the phone: "You can contact the company's legal department now. I guess your order may go to court."

"Huh?" Zhang Ye asked in surprise, "What's the matter?"

Because Zhang Ye didn't look at the house seriously, Chen Jin explained to him what he knew.

After listening to his explanation, Zhang Ye's heart was also cast a shadow!

"Understood!" Zhang Ye said, "Thank you! If it weren't for you, I might have some trouble this time!"

"Tell me about this?" Chen Jin smiled: "Don't you blame me for not stopping you from signing it."

"If I don't sign it, who can I pay for the agency fee? You kid, do you really think that I didn't make the order directly and I forgot all the routines?" Zhang Ye said with some dissatisfaction.

Then the two people laughed and hung up.

Then Chen Jin looked at Huang Mian, who was still frowning and thinking, with emotion in his heart.

Because the house has been transferred to Deng Youlun, no matter what the final outcome of this incident is, the house cannot be kept, and the old man is destined to be unable to continue living.

Chen Jin refused to let Huang Mian sign this order, naturally, he was worried that his mentality would change badly because of the suffering psychological burden on his back.This is quite unfavorable for his next plan.

And the reason why he was sitting and watching Zhang Ye sign the order didn't mean that he didn't care if Zhang Ye was in trouble.

In any case, Zhang Ye is his leader in this line of work.Even if the current situation is that Zhang Ye has to rely on himself to get promoted, Chen Jin hasn't forgotten all the original things.

Ninety-nine percent of what he knows now is taught by Zhang Yeyan.He can't ignore the emotion and reason.

Hearing what Chen Jin said on the phone, Huang Mian was puzzled: "Boss, this house is still saved?"

"The house is not saved." Chen Jin shook his head and said, "But the interests of our customers and our own can still be protected. This is also something we must do in this industry."

Seeing Huang Mian’s more confused eyes, Chen Jin smiled and asked, “Do you think that the agreement has been signed and that the client will be liable for liquidated damages for breach of contract. If there is no default, the landlord runs the risk of running away. No matter what?”

Huang Mian nodded. Based on his experience and understanding of real estate agencies, he really couldn't think of any other way out.

Chen Jin explained: "Let's tell you this, the landlord owes 2 million yuan. Although the procedures are formal, the contract must be irregular."

"Why?" Huang Mian asked.

"If nothing else, the money the landlord owes should come from the shadow bank. The so-called shadow bank means that although the loans and repayments are all from the bank, it seems regular, but in fact the funder is not the bank, but The other source of funds is the bunch of loan sharks."

Looking at Huang Mian's dazed expression, Chen Jin had to explain to him in depth.

In fact, with the progress of economic development and rising inflation, many funds have now jumped out of the banking system and entered the physical industry in another way.

Usury is one of the typical representatives!It's just that the current loan sharks are very smart and have all become so-called "lending companies".

In a society ruled by law, it is natural not to use ancient coercive methods to collect accounts.Therefore, the current usury has evolved a fairly advanced gameplay of "shadow banking".

This method is only aimed at people who own real estate and vehicles as physical collateral.Loan usury will sign a very formal contract with them in the name of the lending company, and the money is also transferred from the bank's system to the borrower's account.

As long as the borrower cannot repay the loan on time, as long as the loan shark is filed with the court, the mortgage will be auctioned directly by the court, and the loan will be returned to the lender.

This is called "using legal weapons to protect one's own legitimate rights and interests." The rules are all within the rules, and loan sharks have become legal.

Therefore, as long as under normal circumstances, it is impossible for Deng Youlun to encounter someone coming to press for debts. What he waits for is at most the court seal.

But Deng Youlun was not only overtaken by the door, but even promised that he could return his warrants without repayment. Then there was only one possibility. The mortgage contract between Deng Youlun and Wei Ge was not subject to the law. protection.

What kind of mortgage contract will be formal and not protected?

Chen Jin estimated that it must be the group of Wei Ge who knew that Deng Youlun had even got his grandfather's house, and wanted to make a fortune for him, so they broke the rules and set an excessively high interest rate.

Although he did not see Deng Youlun's mortgage contract, he can be sure that the interest that Wei Ge gave to Deng Youlun must exceed 36% per annum!

The annualized rate of 36% is the standard used by the court to determine that a loan is not usury.

As long as this standard is exceeded, then the loan is illegal.If it weren't for this, why bother going to the door personally to ask for debt?His own court will help him take care of everything.

It is precisely because of this that, in order to preserve his own income, Wei Ge can only agree to return his warrants to Deng Youlun to transfer the real estate first, and then take the cash directly without repayment.

It's just that Wei Ge and the others didn't understand the huge taxes and fees required by this house exchange, so they didn't notice that Deng Youlun was actually insolvent.

After explaining this, Chen Jin smiled to Huang Mian and said, "Understood? Actually, this landlord is already quite a chicken thief. Intermediary companies and loan companies, he all wants to cheat!"

He continued: "If we deliberately ignore the fact that he is insolvent in order to earn intermediary fees, and trade first, then he might even run away after getting the full amount. Today, if it wasn't for his creditor by chance I came here, maybe he really succeeded!"

Huang Mian said in a speechless voice: "If that's the case, the lending company can't get the money, so we can't come to harass customers and us everyday?"

"Yes." Chen Jin nodded and said: "At that point, things are very troublesome. But as long as you see through it, it's okay. Just let the company's legal department apply to the court for a ruling that the house purchase agreement is invalid on the grounds of insolvency. ."

"The final result is that the house will be auctioned by the court, and then the loan company's principal and reasonable interest will be returned. Our intermediary fees will also be paid by the landlord, and even the customer may get a part of the fraud compensation." Chen Jin Said.

When Huang Mian heard the words, he still sighed the old man and said: "But that old man still ends up homeless!"