Real estate players

Upon hearing Chen Jin's introduction, the landlord sitting across from the disabled couple immediately spoke.

He said impatiently: "It's fine if you have someone come forward! Let's see how this matter can be solved. It's really unlucky. At the beginning, your broker guaranteed and guaranteed that the loan was OK, so we sold it. Now it's like this again..."

"Mr. Tian, ​​stay calm and not restless." Chen Jin responded, "I'd better understand the situation first."

After he finished speaking, he nodded towards the agent who was obviously embarrassed and said, "You talk about the process of billing, be careful."

The landlord Mr. Tian sighed and lit the cigarette.

"Good leadership~" Because I didn't know him, the agent could only shout like this: "My name is Gu Zide. This order, hey...it was like this at the beginning..."

Gu Zide slowly began to speak.

It turned out that the disabled couple ran a small massage shop for blind people a few hundred meters away.Gu Zide has some minor problems with his cervical spine, so he often visits. Those who go back and forth have become acquainted with the couple.

The blind man was named Xing Xiang, and the one-armed woman was named Zhu Yan.Both husband and wife were disabled, and they couldn't find a partner. Later, with the help of the Disabled Persons' Federation, they married.

Xing Xiang learned the art of massage in the Disabled Persons' Federation again. First, he worked in other people's shops. By chance, he met a kind person who helped him a little bit of capital. Then he opened his own shop.

Xing Xiang cherishes this opportunity to change his life.And he was very grateful for the help of the Disabled Persons' Federation at the time, so he accepted a few blind apprentices and gradually set up a small massage shop.

The charge is really not high. According to the project, one person starts at 30 yuan and caps at 80 yuan, but with good craftsmanship and real people, the surrounding residents are also willing to take care of such self-reliant disabled people. There are many patrons.

And his wife Zhu Yan was doing food for everyone every day, collecting money to find money, and working together, the days slowly stabilized.

According to Xing Xiang's own statement, they can have about 100 customers every day, with an average customer unit price of about 50 yuan, a daily turnover of about 5,000, and at least a hundred thousand a month, and occasionally close to 200,000, which is really good.

Therefore, several of his apprentices also followed him to get a monthly salary of over 10,000, and he himself saved a deposit.

At this time, Zhu Yan became pregnant.

The disability of the two people was acquired, not congenital, so the diligent couple decided to give birth to this child...

It was from this time that Xing Xiang began to inquire about buying a house from Gu Zide.

After all, when there were no children, two people lived in the attic of the shop, which was very convenient.But once you decide to have a child, you must have your own house.

First of all, Gu Zide admired the disabled couple for self-reliance, and was willing to help sincerely, so he contacted various banks to inquire about loans for the disabled...

And the problem lies in this loan!

"Leader, this is probably the case." Gu Zide said helplessly: "At the beginning, the loan officer agreed to me well, saying that as long as there is a certain source of income, plus the bank's deposit flow certificate, then the loan will be treated equally... but……"

Chen Jin frowned: "But what?"

Gu Zide replied: "I only confirmed that I can get the loan, and then I started helping Brother Xing and the others to look for a house, and then the transaction was concluded. After the transaction was completed, we signed the contract normally, and then went to the bank to submit the information, but the bank... Say nothing!"

"The explanation given is a private promise by the loan officer. In fact, their bank's regulations do not accept loan applications for the disabled. Or their vice president in charge of credit came forward and said in person."

"The loan can't be taken down, Brother Xing and the others do not have the ability to pay in full. I am too angry... so I called the TV station, looking for media exposure to pressure them..."

Speaking of this, the landlord Mr. Tian said unhappily: "It's fine now. The bank doesn't give loans. You still want to terminate the contract without responsibility? This... how is this possible?"

"We sold the house to replace the school district housing. The time is up to the time. Now? It has been delayed for more than half a month. It seems that the second half of enrollment will be delayed..."

Chen Jin frowned, not embarrassed, but just as angry!

The reason why he paid attention to this matter was because Zang Jun told him after seeing the news, otherwise, given his busyness, where would he have time to watch TV?

Now that the causes and consequences of the matter are understood, Chen Jin sighed lightly and asked the landlord Mr. Tian: "Landlord, what do you want to say now?"

"Nothing to ask for." The landlord said: "Just follow the contract exactly."

Hearing that, Chen Jin took the purchase and sale contract handed over by Gu Zide, but saw it clearly marked: "If the transaction cannot be completed due to buying a house, it will be regarded as a breach of contract."

By convention, the penalty is 10%.And the house they sold was 136 square meters, with a total price of 3.2 million.

320,000 liquidated damages...

"Big Brother Tian." Xing Xiang stood up and bowed: "This time, I am really embarrassed. It has caused you such a big inconvenience."

"Xiao Gu, hey... In the final analysis, it's our husband and wife who are overwhelming. Or, as Big Brother Tian said, let's pay him liquidated damages..."

Mr. Tian listened, and just about to agree, he heard someone shouting: "No!"

Chen Jin looked at Gu Zide in surprise, only to see that his store manager was also pulling at him, his face full of displeasure.

"The customers have agreed, what else are you calling?" his store manager whispered.

But Gu Zide somewhat ignored him: "Big Brother Xing, how can you pay for it?"

"I really want to say it's dead, the problem with this list lies with the bank. Why is it that the loan that has been agreed is not accepted?"

"You can't just let them deal with it like this. Don't worry, Brother Xing, I have checked the relevant management regulations. If you don't accept your loan, they are discriminatory and illegal."

"Don't shout, shout something." Chen Jin stopped his anger and turned to the landlord and asked: "Mr. Tian, ​​Xiao Gu is right. It is unreasonable for the bank to do this. Just give us some time. , We can definitely handle Mr. Xing’s loan through higher-level supervisory authorities."

When Mr. Tian heard this, he was very embarrassed!

He said helplessly: "In fact, we are not unreasonable people. It's just that... our children will indeed have to go to school in the second half of the year. After all these two things, when will we get the money?"

"I'm telling you the truth, I've been to their husband and wife's shop several times by myself. The reason why I agreed to sell to them was because I wanted to help them. I didn't expect it... It was a good intention to do bad things..."

When the landlord's words came to this point, Chen Jin really couldn't persuade anything.

It is not easy for Xing Xiang and his wife, but how easy is it for who?Living in this suburban area, the landlord is definitely not a wealthy person, and can't afford time and money.

"Can I change to another bank?" Chen Jin asked Gu Zide again: "It is impossible to have only this bank, right?"

Gu Zide shook his head: "Other banks...all said that they would not accept it from the beginning. And what was considered at the time was that this bank can get a 10% discount on interest rates as long as the customer's credit investigation is good..."

"No reason~" Chen Jin asked, "It is impossible for the loan officer to be unfamiliar with the regulations of his own bank. How could something suddenly happen?"

Gu Zide was stagnant, a little dazed.This is a question he has not considered.

It was his store manager who responded, "That's it. Later, I asked the loan officer in private. It is said that their vice president in charge of credit has just been transferred. Because their branch's non-performing loans are too high. Yes, the vice president forcibly refused to accept it because of the indicator..."

"The loan officer can't help it."

Upon hearing this, Chen Jin finally understood the cause and effect...

When new officials take office, it is natural to make some achievements.In addition to loan indicators, the non-performing deposit rate of this business of bank credit is also an extremely important evaluation indicator.

If it is for this purpose... the behavior of the vice president is understandable.

But although it is understandable, it does not mean that it can be accepted!

…………

"Hey... Forget it!" Xing Xiang said, "Everyone, this matter is also kind. I can't cheat him if something happens. Brother Tian is also kind to help me, so he sells the house to me. It is a big deal for the children to go to school. , I can't drag."

"I should lose the money~ You can gain a wise from a ditch~"

Hearing what he said, the landlord Mr. Tian blushed...

He couldn't help but wanted to speak, but yelled "Oh~", then glared at his wife beside him!

"People Xiao Xing promised to lose money, what are you talking nonsense?"

"..." Mr. Tian was aggrieved in silence.

Chen Jin didn't know whether blind people could really have hearing and touch sensations beyond ordinary people after blindness.

But Xing Xiang's expression did stiffen a bit after the landlord's wife finished saying this.

Eyes are the windows of the soul. He doesn't even have the only way to express his emotions now. God knows how he feels in his heart?

Zhu Yan smiled bitterly and nodded, echoing the words of her own man and said, "Don't care too much. Who made us both in this situation? This is our life, don't talk about it."

"I'll come to negotiate!" Chen Jin said, "Gu Zide, you said you checked the relevant regulations. Do you have any texts? Go print a copy!"

But the store manager was a little embarrassed: "Leader, this..."

Chen Jin rushed and said: "There is nothing wrong with this! If it is indeed our fault. The company will pay for how much money should be lost!"

"But in this list, both the buyer and the seller plus our Tiankun Real Estate have done nothing wrong. Then since the bank is at fault, we must seek justice back."

"Leader..." The store manager said carefully: "It's Donghai Puda Bank..."

He was kindly reminding!

Puda Bank is a large-scale local commercial bank in Donghai City, with branches all over the country and large stalls.

Moreover, Puda Bank is currently the most important cooperative bank of Tiankun Real Estate.Basically, all commercial loan orders are made by Puda Bank.

Not only that, Puda Bank is also an important partner of China Yuan Real Estate Group and several other large intermediary companies.

In other words, even if you can go to the bank today, even if justice is recovered, this list is completed.

But... Liangzi also ended up.

After all, the size of Tiankun Real Estate is not small, but it is the Donghai City Head Office of Puda Bank!

Hearing this, Gu Zide also stopped...

In the industry, he deeply understands that banks are a strong side to intermediary companies.In case someone wants to embarrass you...

No need to block you!Each order will give you a ten-day and a half-month delay in lending, and a little more difficulty in reviewing and approving will be enough for you to drink a pot!

"Go print the information!" Chen Jin ordered, "What about Puda Bank? Our Tiankun Real Estate is backed by Jinhan Group. I want to see if they dare to head-on!"

…………

…………

"Where is he emboldened?"

Shen Xinyue, who had been carrying her bag and standing behind Chen Jin silently, frowned.

From her experience, she has a deep understanding of the strength of banks.

If a company wants to go public, the relationship with the bank is not good.A large number of corporate loans and capital flows must be achieved through banks.

Moreover, because it is speculated that Chen Jin is going to be packaged and listed, Yang Jingfang has already checked the relevant information...

The several projects currently underway by Jinhan Group are the most contacts with Puda Bank.After all, Renjia is the bank with the largest cash flow and the highest loan amount. It is not an exaggeration to say that it is a bully in Donghai City.

Even the Jinhan Group's Dongjiang City project and the 50 billion loan, a large part of it comes from Puda Bank!

So Shen Xinyue didn't understand...

It really offends Puda Bank, not to mention Tiankun Real Estate, even the foundation of Jinhan Group may be shaken.

Have you never heard of any developer who dared to offend the bank?

"Don't be in a daze, let's go!" Chen Jin called out before pulling her out of thinking, and followed him into the car of the regional manager Yuan Feida. The landlord drove the car by himself. Gu Zide took the client and called the rental. Set off directly towards Puda Bank.

It took more than half an hour before they arrived at the head office of Puda Bank Donghai City in the city center.

This is a 50-story building!

Because here is the head office of Donghai City, and the upper part of the 20th floor is the national headquarters of Puda Bank.

The gate alone is three stories high, demonstrating the temperament of one of the leading commercial banks in China.

Chen Jin took the lead. After leading a group of people into the lobby, the lobby manager immediately greeted him with a solemn expression and asked: "What business do you need to handle?"

With that said, he glanced at Gu Zide beside him.

A few days ago, it was this agent who led the TV station to the door.The words have already been put down above, this person must be blocked anyway!

"Find your vice president..." Chen Jin responded.

"Which vice president is it?" the lobby manager asked knowingly.

Chen Jinchao asked Gu Zide: "What's your name?"

"Ge Tao." Gu Zide was also a little solemn.

Chen Jin looked back at the lobby manager, his eyes were not too friendly!