God of Life

After cooking and taking a shower, exhaustion flooded in. Wang Yan was tired, hot and hungry, and stuck out his tongue.

In the summer, it's really not easy to toss around.

It would be great if I had a car. With the air conditioner on and a little wind blowing, I could get things done comfortably. Why bother to suffer so much.

Well, when I have saved enough money, I must pick up a car!

It seems that the Audi A4L is good, with a stylish appearance and a high-end price. When it is opened on a university campus, it must be very cool!

In fact, Wang Yan had never seen a luxury car at all, and a cub born in a village in the city was a rural kid before the demolition.

Even if you are lucky and demolish it, Dingtian will be an upstart.

Among the cars that drive to the campus gate to pick up their children from school, Wang Yan admires the A4L the most. He thinks it's a good car based on its appearance.

YY drove the A4L for a while, and Wang Yan gradually fell asleep.

He lay down early yesterday but couldn't fall asleep after tossing and turning. Today he got up early and tossed all morning. He is really tired.

In the dream, the sky is intertwined with rays of light to form a palace. In the palace, beauties are like clouds, carrying precious delicacies and wines and presenting them to the throne. smile.

Ma Yun: "Your Majesty, please look at the treasures I found!"

Ma Huateng: "My lord, do you want to play LOL?"

Musk: "Only my big rocket is worthy of the king!"

Gates: "Take your rocket! Microsoft's state is the most enjoyable, too hard will hurt!"

Product such as: "Your Majesty, you won't be afraid of wearing our clothes, no matter how hard they are!"

...

Waking up from the messy dream, Wang Yan was shocked to find that his pants had actually set up a tent.

What do you mean bro?

Protesting every morning is not enough, now is preparing for an uprising? !

Can you bear it any longer?

There isn't a single person on the shooting list yet, letting go of the gun doesn't fit Shenhao's status!

It's easy to talk about how to appease the rebels, and the elder brother who handles the certificate calls.

"Is it done? Okay, I'll go there right away!"

...

Wang Yan was charged 300 yuan for two simple things.

Take the radish seal and press it on the discarded documents of the Education Bureau. The two seals are basically the same, and the workmanship is quite good.

Very good, worth it!

As for the payment slip, Wang Yan made 30 of them in one go. It's hard to say if he can use them up, but he'll try his best anyway.

Go home directly after going out, print 30 copies of the fixed-format blank income certificate at the copying agency at the village entrance, fill them in one by one, and then stamp them.

Put away the things, Wang Yan took a careful inventory, and it was basically all there.

ID card get√

Bank card get√

Work unit get√

Proof of income get√

Office fixed line get√

Housing fee receipt get√

Get√ the mobile phone number that has been used for more than half a year

Important contacts get√

Only one difference: personal credit report.

Wang Yan used his new phone number to log in to the Credit Information Center of the People's Bank of China, registered as Liu Dapeng, checked his personal credit information, and saved the PDF.

Bring a full set of guys, and head straight to Financial Street.

Now that I haven't rented a house, I definitely can't go to Huhai. Wang Yan casually walked into the first store on the right side of the road.

In this company called Changfu, the first floor was not even finished, and the empty rooms and waiting area were empty, except for a lonely information desk in front of the stairs.

Wang Yan said, "I want a loan," and the front desk quickly called down a salesman.

After a while of trotting with high heels knocking on the ground, a young girl came down, even younger than Wang Yan, who deliberately didn't shave.

Wang Yan's skin is not very good,

It was darker and rougher, and with the embarrassing stubble, it looked like it was in its early 20s, so the girl came up and said "big brother".

Wang Yan suppressed a smile and followed her upstairs.

Say hello first in the stairs, do you need to check at home.

The girl replied: "As long as you don't apply for a real estate mortgage loan or provide a house purchase contract, you don't need to come to verify the housing situation."

That's good, let's start filling out the form.

When doing the fill-in-the-blank questions, the girl kept agitating: "Brother, you can directly apply for a credit loan of 80,000 yuan. Considering your business unit and a monthly salary of 7,000 yuan, even if it is discounted, it will approve 60,000 yuan for you. "

Wang Yan insisted on only applying for 40,000 yuan.

It's not that I don't want to get more money, but that I have the overall situation in mind.

According to Brother Xizi, small loan companies have a very important classification—more than 50,000 yuan and less than 50,000 yuan.

Once the application amount exceeds 50,000, not only will the review be more detailed, but the probability of being rejected is as high as 50%. The higher the application amount, the harder it is to get approved.

Apply for 40,000, and if the credit information is not bad, the probability of passing directly is 90%.

Go to 20 small loan companies to make 20 loans, apply for 50,000 yuan each time, the probability of passing the review is 50%, and finally get 500,000 yuan.

Each application is 40,000 yuan, the probability of passing the review is 90%, and finally 720,000 yuan is obtained.

How big is the difference?

And more importantly, the post-loan emphasis on both is different.

Especially when collecting collections, more than 50,000 must be reminded, the sequence is extremely high, and if they are not reminded, they will always be hung in the important supervision library.

Less than 50,000 is selective collection, and the ranking is relatively low.

Moreover, veteran drivers have a way to continue to lower the collection order——

Take a two-year loan for a total of 24 months.

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

At this time, more than 10,000 yuan has been repaid, and the order of collection is basically reduced to the lowest. It doesn't matter if you don't pay a penny after that.

Every company has a vast number of bad debts, which are collected according to the order, and they will not be able to remind you in the next life.

It would be even better when the small loan company packages and sells the bad debts. The receiving party does not recognize the small loan company's late payment fee for interest service fees, but only counts the actual loan principal, which is basically a 10% discount.

For debts below 50,000, the cost of receiving them is less than 5,000, and they don't even bother to deal with them.

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

On the contrary, customers who defaulted in the first month have a high status in the collection sequence and will be chased and bitten.

Wang Yan's plan was to pay back the money for 4 months, then throw away the phone card and bank card, goodbye.

How much money is owed in principal and interest will be donated to the orphanage, and nothing will be kept by the small loan company.

After reading a few news articles about campus loans, he was quite disgusted with the blood-sucking companies bred by these deformed societies, and he would not feel guilty at all for relying on them.

The reason why I have to pay it back for 4 months is that I don’t want to bring even a little trouble to Brother Dapeng. Everything is fake, but the ID number is real. It’s quite helpless to think about it.

Therefore, on the day when it can be made public, Wang Yan will prepare another 1 million for Brother Dapeng, which should be enough to support a business. It can be regarded as a small compensation.

...

Next, continue to fill in the form, the deadline is 24 months, the purpose is for decoration...

It's all small details, and it's done smoothly.

Then take the girl and the marketing manager to the Education Bureau to verify the unit.

July was the time when the education office was on holiday. Aunt Wang Yan was in the unit only when she was in contact with the new school uniforms of various schools, and she couldn't even see a ghost in other offices.

Seeing Wang Yan open the office door with his own eyes, the manager smiled and said, "Sir, please don't worry, we will upload the application tonight. If it goes well, we will call back tomorrow morning and sign the contract to get the money in the afternoon."

People from both sides waved goodbye, Chen Shi went all out and ran away to another 7 houses.

Four of them didn't even bother to go to the unit, and one of the remaining three needed to inspect the house, which was not completed yet.

At this time, it was the golden age of the hottest offline store business for small loans. The little Wang Yan was like a drop of water in the ocean, so small and unobtrusive.

When he fell asleep exhausted at night, Wang Yan was even thinking: If this continues, how many businesses can I make?

50?

100?

New companies open every day, and old companies close down every day. What a barbaric and vibrant industry...

A good night's sleep.

Waking up the next day, Wang Yan changed his clothes, put on his peaked cap, and went out with the donkey brand briefcase he bought at the night market last night.

Continue to make small loans.

When filling out the form, Wang Yan saw an undisguised sneer in the eyes of a certain salesman, probably because that donkey bag was too fake?

Not only was Wang Yan not angry, but he was full of mischievous thoughts: When your family's money comes down, I'll buy a real one, and thank you in advance!

In the morning, verification calls began to come in one after another, starting with 010, 021 and so on.

Changfu's risk control asks a special question: "Sir, why is no one answering your office phone?"

Wang Yan replied calmly: "The bureau is on summer vacation, so of course my colleagues are not here. If you need it, I can go back in the afternoon and use my office phone to respond to you."

The customer service didn't say anything, and said goodbye politely.

In the afternoon, Wang Yan was leading a manager to verify the office space when a salesman from Changfu Company suddenly called with a very excited tone.

"Sir, your loan has been approved, you can come and sign the contract!"

Wang Yan sent the manager away calmly, then took a car alone, and hurried to Financial Street.

The signing process was very simple. Ten minutes later, Wang Yan came to the CCB cash machine and silently entered the password.

Balance: 40000.00 yuan!

The first small loan was successfully obtained!