God of Life

　　 finished the meal, took a bath, and tiredness came up, and Wang Yan was tired, hot, and hungry, sticking out his tongue.

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

　　 It would be nice if there was a car, and the air conditioner was blowing in the breeze, and the things were done comfortably, so why bother.

　　 Well, when the money is saved enough, we must go to pick up a car!

　　 It seems that the Audi A4L is good, stylish, and the price is good enough. When it is opened on the university campus, it must be very popular!

　　 Actually, Wang Yan had never seen any luxury car. The cub born in the village in the city was a rural baby before ushering in the demolition.

　　Even if you are lucky, you will be demolished.

　　 Of those models that came to the door of the campus to pick up their children from school, the most appreciated by Wang Yan is the A4L, which is purely a good car based on the appearance.

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

　　 Yesterday I lay down early but tossed and turned to sleep. I woke up early this morning and tossed all morning. He was really tired.

In the dream, the sky is woven with light into a palace. The beauty of the palace is like a cloud. The throne is kept on the throne with precious wine and wine. The hall is crowded with merchants from various countries, waving various novelties, trying to win the king. Smile.

　　 Ma Yun: "King, please look at the treasure I have found!"

　　 Ma Huateng: "King, do you want LOL?"

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

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

　　Pin Ru: "King, wear our clothes, don't be afraid of being hard!"

　　……

　　 woke up from a messy dream, Wang Yan stunned to find that his pants actually set up a tent.

　　 What do you mean brother?

　　 Every morning is not enough to protest, is it time to prepare for an uprising? !

　　Can't be more patient?

　　 There is no one on the list of shootings, and emptying the gun does not meet the status of Shenhao!

　　It's easy to talk and discuss to appease the rebels, and the elder brother who got the card came to call.

　　 "Done? Okay, I'll go right away!"

　　……

　　 two very simple things, received Wang Yan 300 yuan.

　　Take the carrot stamp on the discarded documents of the Education Bureau. The two seals are basically the same, and the craft is quite good.

　　 Very good, worth it!

　　 As for the bill of payment, Wang Yan made 30 sheets at once.

　　 Go straight home and print 30 copies of the blank income certificate in fixed format at the village entrance photocopying agency, fill in one by one, and then stamp.

　　According to the things, Wang Yan took a careful inventory and it was almost complete.

　　ID card get√

　　Bank card get√

　　Work unit get√

　　Proof of income get√

　　Office fixed phone get√

　　House charge bill get√

　　 Use mobile phone number more than half a year get√

　　Important contact get√

　　 Only the same difference: personal credit report.

　　Wang Yan used the new mobile phone number to log in to the People's Bank Credit Reference Center, register as Liu Dapeng, check personal credit information, and save the PDF.

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

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

　　 This company named Changfu, the first floor was not even renovated. The several empty rooms and waiting areas separated were empty, and there was only a lonely desk in front of the stairs.

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

　 　 噔噔噔噔 A trot of high-heeled shoes knocked on the floor, came down a young girl, looks even younger than Wang Yan who did not deliberately shave.

　　Wang Yan's skin is not very good, black and rough, coupled with stubborn stubble, looks like she is in her early 20s, so the girl came up with the phrase "Big Brother".

　　Wang Yan smiled and went upstairs with her.

　　Say hello in the stairs first, do you need to go to the house to check.

　　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, start filling in the list.

When doing the fill-in-the-blank question, the girl encouraged: "Brother, you can directly apply for a credit loan of 80,000 yuan. Based on the situation of your institution and 7,000 monthly salary, even if you discount it, it will grant you 60,000 yuan. "

　　Wang Yan insisted that he only apply for 40,000 yuan.

　　 does not want to get more money, but has a big picture in mind.

　　According to Xi Zige, small loan companies have a very important sub-level-more than 50,000, less than 50,000.

　　Once the application amount exceeds 50,000, not only will the review be more detailed, but also the probability of being killed is as high as 50%.

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

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

　　Each time the application is 40,000, the probability of passing the test is 90%, and the final result is 720,000.

　　What is the gap?

　　 And more importantly, the two have different levels of attention after loan.

　　Especially in the case of collection, more than 50,000 is a must. The sequence is extremely high, and it cannot be hung in the important supervision library even if it is not reached.

　　 50,000 or less is a selective collection, the ranking is relatively low.

　　 And, old drivers have a way to continue to lower the collection order——

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

　　 Wait for the money to come down and repay on time for 4 months.

　　At this time, more than 10,000 repayments have been made, and the collection order is basically reduced to the lowest. Afterwards, it does not matter if you don’t give a penny.

　　Each company has a lot of bad debts, according to the order collection, you will not be urged in the next life.

　　 Wait until the small loan company packs and sells the bad debts, which is more appropriate, the contractor can not recognize the small loan company's interest service fee late fee, only the actual loan principal is basically a one-fold acquisition.

　　 Debt of less than 50,000, the cost of receiving the hand is less than 5,000, and they are too lazy to reason.

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

　　 Instead, it is a customer who has breached the contract within the first month. In the collection sequence, the status is quite high and will be chased and bitten.

　　Wang Yan’s plan is to return 4 months of money, then throw away the mobile phone card and bank card, and bye.

　　How much is the total principal and interest owed, all donated to the orphanage, and no one is reserved for the small loan company.

　　After reading several news about campus loans, he was quite uncomfortable with the blood-sucking companies spawned by these deformed societies, and he would not feel guilty at all because of their accounts.

The reason why 　　 has to return for 4 months is that I don’t want to cause Dapeng even a little trouble. Everything is fake. Only the ID number is true. It is 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 sale, which is a little compensation.

　　……

　　Continue to fill in the form next, the period is 24 months, the purpose is for decoration...

　　 is a bit of detail, and it's done smoothly.

　　 Then took the girl and the manager of the marketing department to the Education Bureau to verify the unit.

　　July is the time when the education mouth is closed. Aunt Wang Yan is in the work only after contacting the new school uniforms of various schools. No ghosts can be seen in other offices.

　　 Seeing Wang Yan open the office door with a key, the manager smiled and said: "Mr. Please rest assured, we will upload the application tonight. If it is successful, we will call back tomorrow morning and sign the contract to get money in the afternoon."

　　The two parties waved goodbye, and Chen Shi spurred on, and ran 7 more.

　　 There are 4 homes and even units are too lazy to go. One of the remaining 3 homes needs to be inspected for housing, but it has not been completed yet.

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

　　 When I went to bed tired at night, UU reading www.uukanshu.com Wang Yan even thought: If you go on like this, how many homes can I do?

　　50 companies?

　　100 companies?

　　 Every day a new company opens, and every day an old company closes down. What a terrible and vigorous industry...

　　 Sleep well all night.

　　 Waking up the next day, Wang Yan changed clothes, buckled up the cap, and carried out the donkey briefcase he bought at the night market last night.

　　 Continue to roll out the loan.

　　When filling in the list, Wang Yan saw a trace of mockery from a sales eye, presumably because the donkey bag was too fake?

　　Wang Yan not only did not get angry, but thought full of evil interest: When the money in your family came down, I would buy a genuine one, and I would like to thank you in advance!

　　 In the morning, there were successive verification calls coming in, beginning with 010, 021 or something.

　　Changfu's risk control raised a special question: "Sir, why no one answered your office phone?"

　　Wang Yan calmly replied: "My colleagues are not here during the summer vacation in the bureau. If you need it, I can go back in the afternoon and give you an office phone to respond."

　　The customer service didn't say anything again, polite farewell.

　　 In the afternoon, Wang Yan was leading a manager to verify the office premises. The salesman of Chang Fu Company suddenly called and was very excited.

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

　　Wang Yan gave away the manager quietly, and then hit a car alone and hurried to Financial Street.

　　 The signing process is very simple. After 10 minutes, Wang Yan came to the CCB cash machine and silently entered the password.

　　 Balance: 40000.00 yuan!

　　 The first small loan, successfully received!