I'm not really a god of rebirth

Chapter 75 Loans
After seeing the house, Li Dong had a pretty good idea, so he left without going back to the sales office.

The young lady watched him go to the bus stop...

The young lady was even more disappointed, so she could only comfort herself: Maybe she was just keeping a low profile...

Back at the sales office, others asked the young lady how she was doing.

The young lady said it looked okay, and the gentleman planned to buy a whole unit.

But the other young ladies were taken aback.

Ask if it's true or not.

The young lady said in an uncertain tone that it should be true.

When the others heard this, they were relieved.

Well, [-]% of them are useless.

Someone asked, why didn't the gentleman come over and pay a deposit first?
The lady said, she said, but the gentleman said to go back and ask about the loan first.

When she said that, the other girls laughed.

They said:

"Don't think about it, there must be no play."

"It doesn't look like a rich man, who spreads his goods all over the place. No matter how low-key a rich man is, he won't dress so sloppily, right?"

"I don't even want to pay the deposit, which means I don't want to buy it at all. I just want to watch the fun."

"Heh, it's pretty good. I'm going to buy a unit when I open my mouth."

"Xiao Chen, let's be more careful in the future. For people like this, just deal with them casually. Don't waste any time."

Listening to other people's words, the young lady became more and more depressed.

…………

After Li Dong left, he called Liu Zhaoyuan on the bus.

Asked about the loan.

Liu Zhaoyuan was surprised at first: "You want to buy a house?"

Li Dong replied: "Well, I don't want to take out a loan. My down payment is not enough. The sales office told me that I can raise the house price so that I can borrow more money. I don't want to pay less down payment. I know if there is any risk in doing so, so I want to ask you."

When Liu Zhaoyuan heard it, he understood.

Let’s just say, Li Dong’s family is from the countryside, and his parents only work part-time. How much money can they earn?Li Dong's own income from his work is not high, so how could he come up with a down payment of hundreds of thousands at once, and a hundred thousand is enough to pay.

It turned out that I wanted to make a low down payment.

Liu Zhaoyuan said: "There is no problem with this. Many people do this now. We also turn a blind eye to it. Anyway, as long as other conditions are similar. But on your side, there may be some troubles. You Haven’t paid social security yet?”

Li Dong replied: "The contract just signed this month has never been handed over before."

I didn't say anything about resigning next month...

"What about your bank statement for the previous year? How much can you have every month?" Liu Zhaoyuan asked again.

"When it's more, it's three or four thousand, and when it's less, it's less than one thousand." Li Dong replied truthfully.

Liu Zhaoyuan made a fuss and said, "It's a bit difficult... Your turnover is too low, the key is instability. Hmm... How much do you plan to borrow?"

"Let's take a loan of ten million or so," Li Dong said.

There was a pop on the phone, followed by a violent cough.

After a long while, Liu Zhaoyuan exclaimed, "How much do you want to borrow?"

"Ten thousand." Li Dong replied calmly.

"I said brother, are you going crazy? A loan of more than 1000 million? What kind of house are you going to buy? How much down payment are you going to take?" Liu Zhaoyuan was almost speechless.

"I just went to Jinhai Villa to have a look, and I think it's pretty good. I plan to buy a whole unit. The total price is about 600 million. If I make a down payment, try to keep it within 200 million. Do you think it's okay?" Li Dong Said.

Liu Zhaoyuan was stunned: "No... say it again, I didn't hear you clearly, you want to buy a whole unit?"

"Yeah." Li Dong replied.

"The total price is 600 million?" Liu Zhaoyuan asked again.

"Well, they said they could help me get some discounts, but they probably won't be too much." Li Dong said.

"Then, your down payment is within 200 million?" Liu Zhaoyuan continued to ask.

"Well, don't exceed 200 million. I want to save some money to buy stocks." Li Dong said.

Liu Zhaoyuan couldn't change his mind: "Do you want to save some money to buy stocks?"

"That's right, the three tickets recommended to Lao Li are all good, and I plan to get some of them myself," Li Dong said.

Liu Zhaoyuan took a long breath, calmed down his emotions, and said, "Brother, where did you get so much money?"

"I earned it. The U.S. stock market is doing well this month, and next month's salary will probably be a few million. Otherwise, I wouldn't have the money to buy a house." Li Dong said.

The originally noisy bus became quiet at some point, except for Li Dong's voice on the phone.

Everyone in the car looked at Li Dong quietly...

On the opposite side, Liu Zhaoyuan's emotions that had just calmed down turned into a turmoil again: "Damn it, don't you? How many millions do you earn a month? Is it true? Did you not drink?"

"When did you see me drinking and bragging?" This time it was Li Dong's turn to be speechless, and said, "Okay, okay, just tell me, can this loan be approved?"

Liu Zhaoyuan calmed down for a while, and then said: "To be honest, it is still a bit difficult, because you only earn a few million this month, and it is difficult for you to guarantee, or provide a certificate to the bank, to prove that you will earn money every month in the future. I can earn so much. I borrowed more than 1000 million at once, and it is estimated that it will be difficult to pass the approval. By the way, have you contacted Lao Li?"

"No, why don't I ask you first." Li Dong said.

"If you do this, I will help you find a relationship, clear it up, and see if you can do it for you. In addition, you can also ask Lao Li to see if he can do it for you, but I It’s probably enough, Lao Li’s small broken bank, the loan of more than 1000 million has to be reported to the head office for approval, unlike ours, the sub-branch can make the decision.” Liu Zhaoyuan thought for a while, and said.

"Okay, then this matter will trouble you." Li Dong was not too polite to Liu Zhaoyuan.

"By the way, you can ask the sales office again, which bank they cooperate with, and whether other banks can do it. Because some developers have cooperation with banks, and you can only cooperate with them Banks handle loans, but other pedestrians don’t accept them.” Liu Zhaoyuan added.

"Okay, I see." Li Dong replied and hung up the phone.

Then I called the young lady in the sales office and asked which bank they cooperated with here. If the cooperative bank loan cannot be obtained, can they accept a loan from a non-cooperative bank.

The young lady was depressed, and when she received a call from Li Dong about the loan issue, she suddenly became hopeful again, and hurriedly told Li Dong that they have cooperation with several banks, even if it is a cooperative bank loan office. If you don't come down, you can also find other banks for loans by yourself, and they have no restrictions on this.

Of course, it is best to go through their cooperative bank.

Li Dong felt relieved and called Li Tongwei again.

Li Tongwei had the same reaction as Liu Zhaoyuan. When he heard that Li Dong wanted to borrow more than 1000 million yuan to buy a house, and he earned several million this month, he was also shocked to death.

Later, I told Li Dong that in principle, this loan cannot be processed.

Li Dong snorted.

Although it had been expected, when Li Tongwei really said this, Li Dong still felt a little uncomfortable.

Just as he was about to hang up the phone, Li Tongwei asked Li Dong again, did he earn a few million this month, was it accidental, or could he maintain this income in the future.

Li Dong felt a little depressed, and casually said that he was lucky this month to earn so much, and it will be hard to say in the future.

Li Tongwei thought for a while, and said that if Li Dong maintained a similar income, he didn't need millions, even if it was hundreds of thousands, then he could make a guaranteed loan for Li Dong, and he would find someone to guarantee Li Dong.

Although the loan interest rate is a little higher, the approval is relatively easier.

The most important thing is that the guaranteed loan complies with the regulations and is not considered a violation.

Moreover, because it is a short-term loan, the total interest is actually much lower than that of a mortgage.

Of course, the premise is that Li Dong can guarantee to repay the loan within one year.

Otherwise, Li Dong, Li Tongwei, and the guarantor will all be held responsible.

Li Tongwei also took great risks to help Li Dong with this matter.

This is Li Dong, but he would not do this to anyone else, even a relative from his hometown.

One is because he believes in Li Dong, he believes in Li Dong's ability, and he also believes in Li Dong's character.

The second is because Li Donggang helped him earn a lot of money.

In fact, this also reflects Li Dong's ability.

Li Dong was a little dissatisfied with Li Tongwei at first, but after hearing this, the dissatisfaction disappeared immediately, and he was full of gratitude to Li Tongwei instead.

He knew very well how much risk Li Tongwei took in doing so.

This guy would rather take the risk himself than help Li Dong operate in violation of the rules.

Principled, but also enough brothers.

He remembered this situation.

Indeed, the secured loan proposed by Li Tongwei is indeed better than a mortgage.

At least he doesn't have to use the illegal operation of raising housing prices anymore.

Moreover, he believes he can afford to pay off the loan within a year.

Not even a year.

When the next wave of market prices for those three tickets comes, just double it a few times, is more than 1000 million still a big deal?
Li Dong immediately told Li Tongwei that he would be able to pay off the loan in less than a year.

Li Tongwei also immediately said that this matter will be handed over to him, and Li Dong will wait for his news.

Afterwards, Li Dong called Liu Zhaoyuan again, saying that Li Tongwei was going to guarantee him a loan.

Instead, Liu Zhaoyuan was taken aback, and then he didn't say anything, only sighed with emotion.

When Li Dong got off the bus at the station, a whole car of people watched him...

After getting off the car, I bought two steamed buns along the way, and when I got home, it was rare that He Na and Wang Xiaowei were both at home.

The two sat on the sofa, and a few dishes were placed on the coffee table.

There are also a few empty wine bottles.

The two of them were actually drinking, so elegant.

Li Dong gnawed on the steamed stuffed bun and was about to go back to the house when He Na called him, "Li Dong, why did you come back! What did you do? Did you go to drink with my little sister again?"

The tongue is a bit straight when speaking, and it can be seen that he has drunk a lot.

Wang Xiaowei on the side didn't drink much, and looked at Li Dong with resentful eyes.

If He Na had talked to him like this before, he would have absolutely ignored her.

But after what happened last time, Li Dong's impression of He Na changed a lot.

Hearing this, he stopped and said, "What kind of girl am I looking for, I have something to do when I go out."

"I don't believe it. Come here and let me smell your perfume."

He Na pointed at Li Dong, shook her head and said.

Li Dong was very helpless, and said: "I'm a little tired, I'm going back to the house, you two continue to drink."

"Don't go! You're guilty, right? I knew you were looking for a little girl, you scumbag!" He Na said, stood up, staggered to Li Dong's side, grabbed Li Dong's arm, and Smell it on Li Dong.

"stinky!"

He Na wrinkled her nose and said something disgusting.

Didn't smell any perfume.

It just smelled of perfume, but after taking this bus, it was gone.

Li Dong said angrily: "Okay, I stink, I stay away from you."

He said he was going to enter the house again.

He Na stopped him again: "Angry? Oh, are you still a man? You're so narrow-minded. Come and drink with me!"

Seeing He Na's pretty face right in front of him, Li Dong really couldn't get angry, and Li Dong really had no resistance to alcohol.

After hesitating for a while, He Na let He Na pull and sit down on the sofa.

Wang Xiaowei ran to the kitchen obediently to get a pair of chopsticks for Li Dong.

Here He Na has already handed Li Dong a bottle of beer.

It's still five yuan a bottle of cloud beer.

What a luxury.

Li Dong ton, ton, ton, ton, ton, ton, ton, ton, ton, ton, ton ton, just made a bottle.

I took the chopsticks and ate a few mouthfuls of the dish. It tasted good and looked good.

"Who did it? Not bad." Li Dong boasted.

Wang Xiaowei asked shyly, "Do you like to eat?"

It was really Wang Xiaowei who did it.

Li Dong didn't answer, he ate a few bites on his own, and opened another bottle of beer.

Seeing that Li Dong ignored her, Wang Xiaowei became resentful again.

He Na was already [-]% drunk.

Li Dong counted, He Na just drank six bottles by herself.

It seems that he is in a bad mood.

Also, for any woman, being humiliated by a man in public would not be in a good mood.

Especially a woman like He Na with a strong sense of vanity.

"Now I suddenly feel that you are actually quite a good person. Although you are a little poor, a little narrow-minded, and a little bit of a jerk, at least, when I was beaten...you stood in front of me .” After He Na said that, her eyes became wet.

Li Dong glanced at her and wanted to persuade her, but in the end he didn't know how to speak, so he just shook his head and drank another bottle of wine.

He Na wanted to do it too, but after taking two sips, she couldn't help but spit it out.

"Okay, Nana, drink less." Wang Xiaowei persuaded her.

He Na just waved her hands, and then covered her face and began to cry.

While crying, he said: "Why is my life so miserable? No one has ever really cared about me, they only ask me for money, money, money! In their eyes, my daughter is just a money-making machine !"

When Li Dong heard this, he immediately understood.

Dare to Love He Na is Fan Shengmei.

It's really poor.

"I just want to pursue my own happiness. What's wrong with that? Why do everyone look down on me? Why?" He Na said again in grief.

(End of this chapter)