Fangro

At 12:15 as promised, Quan Wei arrived more than ten minutes late. There was a rear-end accident at the exit of the viaduct, and he was blocked there for a while.

Yang Zhen is a person with a strong sense of crisis. Whenever he hears that Quan Wei is driving on a call, he will basically hang up first, and call him after Quan Wei stops.

When Quan Wei came, he saw him waiting on the side of the road, talking to the owner of the pancake restaurant, the other party smiled, and seemed to have a very pleasant chat.

Quan Wei doesn't get along well with many people. Yang Zhen is just the opposite of him. Except for women of marriageable age, he actively avoids them. He can laugh with anyone from the elderly to the youngest.Take the property managers in the community as an example. Quan Wei lived there for several years and didn't know any of them. As a result, Yang Zhen came here for less than half a year, and those big brothers greeted him every day, went to work, and came back. Ah, go out and play, it looks like Yang Zhen is the eldest nephew of their neighbor's family.

At this moment, he has become Brother Pancake's next-door brother again. The boss lifted the round pan used to spread the pancakes, let his arms hang over the breakfast milk and spicy sticks, and hung over the fire to warm his hands.

Yang Zhen flipped and rubbed his fingers, and seeing his eldest brother raised his eyebrows near the intermediary store in the dining car, he relished: "Hey, I heard people said that the reason for the commotion in the morning was because there was a kid in your store who lied to you." Did you take money from another landlord?"

Yang Zhen didn't want to talk about Xiao Feng, so he smiled: "I'm not in the store this morning, so I don't know about that."

The eldest brother can pick up the thorns no matter what, and said with disgust: "You don't know about such a big thing, what about your store, oh yes, the management is too much."

In fact, the store manager has already screwed Xiao Feng, and cooperated with the two team leaders to follow the cheated landlord to see the evidence. I also had to lose my job, so I left in a hurry when I came out of the meeting room.

But what the big brother said is correct. The threshold for intermediaries is low, the volume is large, the market is chaotic, the quality of employees varies, and the entrepreneurial spirit is utilitarian. To be honest, the punishment is very light.

In Xiaofeng's case, he couldn't afford the loss of the seller, so he could only pass it on to the company, and then he was fired. The most serious impact on him was nothing more than that any store under An Yumen would not hire this person again. , but this one didn't keep him, there was another one.

Humanization is a very beautiful concept, but for criminals who are good at exploiting various loopholes, isn't this a safe haven?

Of course, Yang Zhen was not happy to see what happened to Xiao Feng. He just felt that a young man with a wicked heart was forced to leave here. It didn't seem to be enough to make him wake up. What you should worry about has nothing to do with yourself.

Someone patted his left shoulder from behind, Yang Zhen turned his head to look, but there was no one on the left, thinking about it, only Quan Wei would be so bored, pretending to be behind him in broad daylight, Yang Zhen retracted his hands warming the fire, and went on Looking to the right, a familiar face was soon imprinted on his eyes, but he pretended not to see it, staring at the tree next to Quan Wei's neck and said, "Damn it, who took pictures of me?"

"I was one of yours just now," Quan Wei complained to him, "Now I'm a ghost, don't you feel guilty."

Only then did Yang Zhen look at him, and laughed for a second: "It's not only a loss of heart, but also a loss of stomach."

Quan Wei also came a little late, not apologetic in his heart, he pushed the cloth pocket on Yang Zhen's belly through his clothes, and said, "Come on, your grain is here, use it to replenish the warehouse."

Yang Zhen took it over to thank Huang En Haodang, said hello to the pancake owner, and quickly carried it into the store to serve in the microwave oven.A few minutes later, the two got into the car one after the other, and Yang Zhen ate happily in the back seat alone. While eating, he didn't forget to hold the Queen Mother's stinky feet, and said that every dish was delicious.

Although praise is a good quality that promotes family unity, Quan Wei still laughs at him like a dog leg.Yang Zhen didn't feel ashamed, and cleaned up all the food in the bowl in a saving manner.

Since the spread took less than half a day, and Quanwei's house was still some distance away from Baiyun Road where Yang Zhen worked, the first client who met him in the afternoon was unaware of the "black intermediary" incident.

This man born in the 80s has been anxious for half a month in the rushing property market. He dare not ask for anything when he meets the landlord. I asked a question alone: ​​Can I get a loan?

The current trend is that more than half of the landlords require the buyer to pay the full price, and if they see a price increase in a nearby property the next day, they will not sell it without saying a word.

Buyers are afraid that the landlord will change their minds, so as long as you sign the contract quickly, you can agree to any request. As for the 3.5 points of the financing company’s advance fee, according to the increase in the house price, it will rise back to the original price in a week.

Quan Wei is not a very talkative person, but his attitude at the moment is kinder than an angel to the buyer, because he said lightly: "Yes."

Say we meet, see you, and you don’t need him to pay for it. Where can you find such a handsome Chinese good landlord?The buyer was so moved that he kept calling brothers to invite him to dinner.Quan Wei was just selling a house, he didn't intend to organize a dinner party and meet a friend, so he said nonchalantly that he didn't need it.

Now that the two parties hit it off, the next step is for the intermediary to state the risks and precautions in the house purchase process to both parties, and then print the intermediary contract.

When the contract was signed, an intermediary was simply too busy, so Yang Zhen, as the maintainer, helped them get the documents from the printer inside and out.

The contract number needs to be backed up and stamped by the store manager. This process is a bit long, and the buyer is a little nervous, so he ran out to find his agent under the pretext of smoking, and the two of them were muttering at the door of the store.

When Yang Zhen came out of the printing room, he heard the buyer asking: "Xiao Zhang, how much is the deposit suitable for? I heard people say that if you pay more deposit, the landlord will not go back on it easily, so I can give you a higher deposit."

According to the fixed clause that the landlord will pay double for breach of contract and the buyer will forfeit the deposit if the buyer breaches the contract, if the buyer’s deposit is high, the landlord will pay more if he fails to perform the contract.

The intermediary couldn’t laugh or cry: “What I’m telling you is the right price. The deposit for a house below 100 million is 5, and for a house under 200, it’s 10. Sorry."

This is also a unique phenomenon in the hot period of the real estate market. Customers who pay money called God rack their brains to spend money, and worry that others will not accept it.

Although the contract is a public template, it is still necessary to read it from beginning to end. However, during the actual signing process, everyone basically signs with their eyes closed and stamps a bunch of handprints, and then the seller pays the property guarantee fee and buys it The family pays the commission and loan service fee, and then transfers the deposit to the landlord.

In less than half an hour, Quan Wei received a deposit of 10. In name, he sold his house very smoothly.

The buyer left happily. The afternoon sun was shining brightly and warmly on his body. Yang Zhen and Quan Wei were not in a hurry to get in the car, and slowly swayed forward on the curb.

Seeing Quan Wei's expression seemed a bit melancholy, Yang Zhen smiled and said, "What's the matter? Can't bear it?"

Quan Wei squinted his eyes from the sun, and said lazily: "No, it just feels like a loss."

"It's not a loss," Yang Zhen enlightened him, "Think about the house price when you bought it, and then look at the price, it's almost doubled."

Quan Wei laughed and said: "If the reference can be the starting price, I would have jumped off the building and sold those houses. After the jump, I would still make more money than when I bought it."

"Take it as if everyone is drunk and you are awake alone," Yang Zhen finished consoling perfunctorily, then spread his hands and said with a smile, "There is nothing you can do if you don't wake up, the contract has been signed."

Quan Wei thought about the breach of contract. No one condemned him, but he felt that he was unethical. He said: "Selling a house really hurts the old heart."

Yang Zhen ruthlessly exposed him: "Don't pretend, you are not old."

After receiving the deposit, the next step is to wait for the buyer to issue an income certificate and bank statement, and then the intermediary will call the buyer and the seller to the bank for an interview.

It was still early, so Yang Zhen decided to go back to the store and fight again. After Quan Wei sent him to the company, he drove home first.

Facts have proved that Yang Zhen’s decision was wise, because he received feedback from the bank on WeChat not long after he arrived at the store. Before this mortgage, Ms. Zheng still had a 2014 application for a period of 5 years and an amount of 25 Wan's private loan was not paid off, so her application to buy a house was rejected.

Sister Zheng was dazed when she received the news, and she yelled at Yang Zhen on the phone: "25? How is it possible? I've never seen so much money, and I can't even count the zeros. I'm still borrowing it."

Yang Zhen saw that the eldest sister's simple and frugal character did not seem to be able to owe 25 yuan, so he comforted him: "Elder sister, calm down, if you really haven't borrowed this money, it is a misunderstanding, and the misunderstanding must be It can be checked clearly."

Sister Zheng said "Hey", sounding panicked and broke down: "Why do you tell me to calm down? I have added such a large debt without thinking. The most frequent time in our family was to ask relatives to borrow 2 yuan. One yuan to renovate the house in my hometown, but that is also an IOU in cash. Is there a hammer relationship with the bank? God, you give me the phone number of the bank, and I will ask myself!"

Yang Zhen didn't dare to give it to her. The bank clerk who he handled the mortgage was still a key protection resource allocated by the company.

At present, the threshold for banks to grant loans is that applicants must have a permanent job, but quite a few people cannot get one. Therefore, when there are a lot of fake work certificates, the banks need to turn a blind eye here.

This mode of operation is a bit like the implementation of subprime mortgages in the United States in 2007, but it is not known whether it will lead to the bursting crisis of the property market bubble.

If Sister Zheng gets annoyed, the worst case is that she doesn't buy the house, but if the person who checks the loan is offended, a group of people will miss the house.

After Yang Zhen talked rationally for a long time, the fiery elder sister settled down and began to think about what she did in 2014.

"I have never borrowed so much money," Sister Zheng said very firmly after a long time, "I can swear that it was definitely not borrowed by me."

Yang Zhen said: "What about your family? Is it possible to use your ID card to get a loan?"

"Impossible, our guy is very honest, besides he didn't borrow money... Wait, let me think about it, ID card... 2014... ID card..."

Sister Zheng repeated these words several times like a monk chanting scriptures, and then suddenly said: "I remembered! My man has an elder nephew who is in the business of purchasing grain. He asked me to borrow an ID card that year and said It doesn’t matter if you use me or what qualifications, it doesn’t matter, I, I will lend it to him.”

Yang Zhen intuitively felt that the problem was here. As an ancient man without an ID card, he knew that such important certificates should never be lent to others casually. There is only one chance to enjoy it.

As soon as this problem appeared, Yang Zhen immediately called Xiao Jiang while trying to find a solution.

"Xiao Jiang, go to the business office of the Pedestrian Bank to check your credit report, and tell me if you have any bad records."

Xiao Jiang had just digested the "black intermediary" incident and the scapegoat that was blamed on Yang Zhen, and said strangely: "Why check credit? I pay off my credit card on time every month."

Yang Zhen told him about Sister Zheng's unexpected situation, and Xiao Jiang was taken aback, but he still had concerns: "Isn't it bad to have too many credit checks? It will affect the bank's lending."

"Who did you listen to?" It wasn't the first time Yang Zhen heard this fallacy.

Xiao Jiang: "The intermediary in the sales office of Bandu Junshan said that the more you check, the bank will suspect whether you often need to borrow money, or if you have too many credit cards, and you don't know how to pay them back. I haven’t returned it, so I have to keep checking the credit.”

The last time Yang Zhen deliberately asked the personal loan manager of the People's Bank of China, the other party told him that this was purely false rumors. He laughed and said: "What he said is wrong. As long as you are not overdue or in debt, you will have no problem with your credit. I I asked specifically, it is your freedom to check several times. There is no charge for online credit checks, but there is a delay. You can check twice a month for free at the counter, and you will be charged for the second time. It costs 2 yuan each time. It’s too late for them to generate income, so you go and check it once, and be on the safe side.”

Xiao Jiang hung up the phone and went to Baidu again, and found that the people who answered said it was all right, so he decided to check.