Winning the new financial era

Chapter 8 Home Mortgage Loans
Seeing that he could not convince his parents, Zhang Yida had an idea and said:
"Well, if you are worried, Dad will go to the capital with me after the National Day, and you and my senior brother will have a face-to-face chat. After the chat, Dad will decide whether to invest or not. It happens that the capital is far from Nanhe in Yandi It's also very close, and it won't delay the investigation!"

This proposal was exactly what Zhang Qinghua wanted, so he agreed without hesitation.My son has been stalking here all the time, giving him a headache.Anyway, when I went to the capital and met those college students, I could still see something based on my twenty years of business experience.

If it is really a group of capable young men, not the kind who only talk on paper and hope to make it, then I will take out 100 million to buy a share for my son.

I was not 20 years old when I started a township enterprise together with the villagers, and then I have come to today step by step!

Seeing that his goal was achieved, Zhang Yida stopped entanglement.After putting away my luggage, I took a shower and went up to the second floor.

Parents are too lazy to go up the stairs and live in the downstairs bedroom, but he likes to live upstairs, open the window and watch the stars in the night sky.

He took out his mobile phone and dialed Lin Zhenyang's number.

"Senior Brother Lin, hey, yes, it's me, Zhang Yida."

"How's the situation these days?"

"Oh, I met a few Aoki computer majors! I found a few suitable ones!"

"That's great, the technical part is basically solved! Thank you, Senior Brother Lin!"

"I'll go. You also contacted the school and applied to be settled in the Global Student Entrepreneurship and Innovation Center of Capital University?"

"You, the chairman, are not in vain. You approved 200 square meters for us?"

"Thank you for me to the brothers, sisters and teachers who helped with the application."

"Have you been in touch with business and operations? That's fine, you have been so tired and busy these days during the National Day!"

"Well, no problem! The National Day holiday is over, let's organize a team to meet and get acquainted with each other first, so we can determine the next step."

……

"I have another thing to tell you, because the 100 million was paid by my dad, and he said he wanted to meet and chat with the big guys."

"Yes, when the time comes, organize the team and make it more aggressive. Just treat yourself like an investor and perform well!"

……

"Well, that's it, bye! See you at school!"

Zhang Yida chatted with Lin Zhenyang for more than half an hour, and finally ended the call.

I asked about the recruitment progress of the team. The progress is very fast. According to this speed, almost all positions should be filled after the National Day.

Then there was an unexpected surprise. The Entrepreneurship and Innovation Center just completed this year promised to allow them to settle in for one year for free, and the rent can be saved to do other things.

In the end, Zhang Yida explained that he wanted to get his father to invest 100 million yuan, and everyone had to fight to cooperate with this matter.

Lying on the bed, Zhang Yida lit a Zhonghua, smoked and meditated.

He is not a big smoker, and he started smoking only when he was under pressure from studying in high school. His father didn't say anything after catching him, but told him to smoke less.My mother is not so easy to talk about, so she has always been like "Sneak into the village, don't shoot anyone!"

"It's still not safe, what if Lin Zhenyang and the others don't convince dad to pay?"

"Time is too tight. Even if I earn 100 million according to the method of my previous life, it will be next year at the earliest. By then, 100 million will not be useful, and the best window for starting a business has been missed!"

"Hey, aren't the two houses my parents bought in Rongcheng listed in my own name? They were just renovated this year, and they just happened to be used as mortgages to make some money!"

"If Dad doesn't pay, he will mortgage the two houses, double insurance."

"The bank mortgage is too slow. It will take a month or two. I can't do it without salary. I can only go to a small loan company, and I don't care if the interest is expensive!"

"It is still a bit difficult to achieve my initial plan with 100 million yuan, the money is too little!"

"I might as well go to Rongcheng tomorrow and mortgage two houses. If my dad finally gave me another 100 million, it would be at least 200 million."

"Losing money? It's impossible to lose money. To put it bluntly, this project is an intermediary selling financial flow. If it's all losing money, then go home and sell feed."

After making up his mind, he extinguished the cigarette, and Zhang Yida slowly fell into the fragrance of dreams.

On the second day, Zhang Yida woke up from his dream of getting rich by setting the alarm clock on his mobile phone.

He dreamed that his company was successfully listed on NASDAQ, and he was sitting on a private jet with a net worth of tens of billions, drinking a bottle of [-] Lafite or mineral water, but he couldn't remember clearly.

After going downstairs to wash up, I drank two bowls of white rice porridge my mother heated up in the pot.

Both parents went to work in the factory, so Zhang Yida ran to his parents' room and started rummaging through boxes and cabinets. After finding out two red real estate certificates, a house purchase contract, and a household registration booklet, he took his ID card and went out.

I took a taxi at the gate of the community and went straight to Rongcheng.

After about an hour, the destination arrived, and the car parked under the office building of a building.

After paying and getting off the car, Zhang Yida walked into the office building with a black backpack on his back, and took the elevator up to the eleventh floor.

After getting out of the elevator, he went straight to "Fulton Small Loan Co., Ltd.", and briefly told the lady at the front desk that he wanted to consult about loans, and then a young and beautiful business manager came out to receive him.

Ding Siyao is 22 years old and has just graduated from Sichuan University of Finance and Economics for two months.I did not choose to be a bank teller, but chose to be a salesman of a small loan company.

At first, she thought that bank tellers received dead wages, it was difficult to get promoted, and there was little room for development.The salespersons of small loan companies have free working hours and high commissions, and their income depends entirely on their ability and real skills.

But the reality gave her a heavy blow. It has been two months since she went to work, and she hasn't made a single order yet.If you don't open a bill, you will be assessed and dropped after this month.

In fact, she had several opportunities to bill, but some customers saw that she was pretty.One time, a customer who was applying for a loan invited her to dinner, and she was being touched at the table. She splashed a glass of wine on the customer's face and ran away, and then the order was yellowed.

Another client sent her WeChat every day, asking her to go to KTV to sing, and suggested that she go to the hotel to discuss business.This client was also directly blocked by her.

She hadn't billed for two consecutive months because she befriended the lady at the front desk, so the lady at the front desk handed over Zhang Yida to her directly.

Ding Siyao, with willow-leaf eyebrows and almond eyes and peach cheeks, was wearing a tight black professional suit. The black stockings under the hip-covering skirt wrapped her two plump, curvy long legs, and she stepped on a pair of black stiletto heels.

She greeted Zhang Yida warmly, and then the two came to a reception room, and gave Zhang Yida a cup of warm water in a paper cup.

With a smile on his face, his vermilion lips parted lightly and said:

"What's your name, sir? May I ask what kind of loan you need to consult?"

"My surname is Zhang, I'm doing a house mortgage loan, two sets, can I get the loan within 7 days? If I can't do it, I'll change."

Zhang Yida spoke quickly.

Ding Siyao was a little overjoyed, this is a big customer, so he quickly replied:
"Mr. Zhang, don't worry, our company is the one with the fastest loan approval in the province, and the loan can be released within 2-3 days at the earliest."

"You first show me the real estate certificate and the house purchase contract, and I will confirm for you whether you meet the entry requirements."

Zhang Yida took out the house purchase contract and the real estate certificate from his bag and handed them to her.

Ding Siyao took it over, checked it carefully, and said:

"Mr. Zhang, your two houses are located in the Financial City and the Software Park respectively. They both cover an area of ​​about 200 square meters. The initial value is estimated to be 7 million. If the house is paid in full, you can borrow up to 140% of the appraised value of the house. That's [-] million."

Zhang Yida nodded, and then asked about interest, repayment method and loan term.

"The interest rate is currently 6% to 1 cent 2% per month."

"The repayment method can choose equal installments of principal and interest and monthly payment of interest, and there are two types of repayment of principal at maturity."

"The term of the loan is 1-10 years."

"In addition, we support early repayment, and there is no liquidated damages."

Ding Siyao explained patiently one by one.It's not easy to get a big client. He's quite handsome. You have to catch him carefully. This month's performance depends entirely on him.

Zhang Yida nodded to express his understanding.All aspects of Fullerton Small Loan Company are considered good among small loan companies. They don't know any routines and have a good reputation.I just fancy this, so I took the initiative to come to find him.

"Alright then, let's get started!"

Zhang Yida smiled faintly.

Ding Siyao didn't hesitate, and found a loan application registration form and a pen.

The "swish, swish, swish" Zhang Yida filled out the form in twos and twos, and handed it over to Ding Siyao along with his household registration booklet, ID card, real estate certificate, and house purchase agreement.

"I see that you have filled in the information in this column as a student. Are you still in college?"

Ding Siyao was a little curious, and confirmed with Zhang Yida at the same time.

"That's right, if I wasn't a student, I wouldn't have come to you for a loan. The bank interest rate is half lower than yours."

Zhang Yida sighed helplessly.

The work efficiency is very high, and the review was passed in a short while.

Next, Ding Siyao took Zhang Yi to the Housing Management Bureau and went through the mortgage registration process.

After a whole set of procedures was completed, it was already noon.

"Xiao Ding, it's all over. When will my money be in place?"

Zhang Yida got acquainted with the young lady after a long time, and joked.

"Mr. Zhang, if you hurry up, you can get a call to your bank card tomorrow! There will be a text message to notify you then!"

Ding Siyao replied respectfully.She was very happy at the moment, the order was basically impossible to escape, and finally the order was issued.So I am still very grateful to Zhang Yida.

"It's already noon, shall I treat you to dinner?"

Ding Siyao who made the bill was very generous and invited politely.

"That's a good relationship, but I'm worried that I haven't settled down at noon. I'm so poor that I have to mortgage the house, what a crime!"

Zhang Yida still admired the beautiful sister who was a few years older than him beside him. She was efficient and well-mannered.

The two found a Chuan Chuan Xiang nearby. There were a lot of people, and they waited in line for an hour before it was their turn.

This is the bad thing in Rongcheng, there are too many delicious food, delicious restaurants have to queue up at the door to shout, go to a table, and the people in line sit on the low stools arranged by the store at the door Waiting, the considerate store will bring melon seeds and peanuts to entertain the guests waiting in line.

(End of this chapter)