Fangro

On the first day when he found a partner, Yang Zhen worked as a teacher all day long.

In the morning, it was his turn to do community promotion. Yang Zhen took Dong Ruxiu out to promote. Although the young man was inexperienced, he was very diligent. After recovering, he began to actively distribute leaflets again, and specifically approached the elderly.

There was an old man passing by who had just finished shopping for groceries. He held up a leaflet and followed them for half a mile, but the old man ignored him, so he came back dejectedly.

Yang Zhen wandered around on the side of the road, and was very inactive in finding someone to sell. It was purely because of the cold weather and self-heating for exercise.

Xiao Dong, who is on the go, sees his leisure. Due to the kindness of adoption and the majesty of his seniors, he dare not be angry or speak out, and he goes back and forth to repeat the advertisement.

"You, hello ma'am, I..."

"Morning, sir, let's go to exercise, are you interested in taking a look at our company's newly launched super-valuable lakeside villas..."

"... an ecological peninsula, a wetland park, and a large golf course to the south..."

Yang Zhen didn't mean to read his jokes. Most people who just entered the society are a little embarrassed and feel that such a job is worthless. Dong Ruxiu is also a little bit. When talking to people, he doesn't know where to look, and his voice is always screamed. The hood is over, this can only rely on practice makes perfect, after all, communication is the most basic and important skill of an intermediary.

When he could smile and look directly into the other person's eyes, Yang Zhen told him to stop: "Xiao Dong, it's okay, take a break."

Dong Ruxiu obediently stopped, rolled the leaflet into a tube and put it in his side pocket, rubbed his hands and rushed over. The young man was dressed so thinly that half of his nose was frozen dark red.

Yang Zhen was still wrapped in a cotton coat, and his face was cold except for his hands. Seeing this, he took out the electric pancake from his pocket and handed it over.

Quan Wei bought this. His fingers are cold in winter, and Yang Zhen often has to run outside, so he bought two and took them out one by one. After he paid, Yang Zhen was responsible for charging them every day.

It was a little better when he ran, but when he stopped, he was blown by the wind and wanted to sway. Dong Ruxiu hesitated for a while, but still couldn't resist the temptation of warmth and took it over. He covered the palm-sized heat source with both hands and grinned at Yang Zhen: "Thank you, Yang Zhen." elder brother."

Yang Zhen smiled, signaled that the trivial things should not be mentioned, and then said in the direction where he just ran back: "You seem to like the elderly very much. I see that your leaflets have been distributed to the elders."

Dong Ruxiu may also know that her stalking posture is not very good-looking, so she smiled a little embarrassedly: "No, I just saw that the teachers and seniors who brought me before sent it to them."

Yang Zhen praised him: "Then you observe very carefully. I didn't even know there was such a trick. Why did you ask the elderly to distribute leaflets?"

Dong Ruxiu just imitated the example, he didn't think about it deeply, he thought about it, and then made up a reason: "The old man has more money."

"You don't even know yourself," Yang Zhen said, "it's better to deceive people than old people."

Most of the elderly have settled down, and they don’t care much about the house, money, or anything. They are not very good at surfing the Internet, and their resolution of the truth is low. Because their children are not around, it is easier to believe that they are passionate about them. young people.

Dong Ruxiu's eyes immediately turned into half a pair of copper bells. In fact, he had a vague premonition in his heart that there must be a reason for picking on the elderly, but when he suddenly faced such a heart-wrenching answer, he still couldn't believe it for a while, and couldn't help defending his actions. Get up: "Why is it a lie? Ecology, wetlands, and low prices, these are all ready-made."

"But is our ultimate goal really to make them buy these advertised houses?" Yang Zhen asked him without changing his expression.

Dong Ruxiu choked for breath, and shook her head dejectedly.

Yang Zhen had an expression of "that's why": "What we want is to get their contact information and residential address. If we don't say a few words, they intend to sell the house, or are interested in the wetland apartment outside the Fifth Ring Road, willing to If you sell the house you live in and buy it there, you will exceed your goal, and you will get a considerable commission."

Dong Ruxiu recalled her experience of being rejected to the point of doubting her life in the past half a week, and retorted softly: "No one will sell it, right?"

"There are still. In May last year, the Qingshan Court sentenced a case of a black intermediary defrauding the elderly of real estate. The Internet called this kind of incident 'silver hair split'."

The so-called "silver hair split" was mentioned by Quan Wei inadvertently to Yang Zhen. Last year, Quan Shishi and Luo Jiayi almost fell into this kind of trap. Fortunately, the house book was in Quan Wei's hands, and Quan Shishi suddenly asked him Asking for the house book, saying that he wanted to use it for investment, Quan Wei felt that it was abnormal, and went back to China to ask the ins and outs, and directly reported to the police.

Yang Zhen: "Some old people are like this. They are moved by the intermediary's rhetoric. They sell their houses for decades and go to the suburbs to buy those so-called nursing homes. After looking at them, they find that it is not the case at all. But the previous house has already been sold, and it is difficult to regain the property rights even through legal means.”

"There is another situation, that is, the kind of informal institution, which may be an intermediary or a lending company, is a scam set up under the guise of the pilot policy of 'housing for the aged', and spends a small amount of money. A million-dollar house was defrauded. This kind of situation is rare in the whole city’s house sales, but last year there were no less than 10 elderly people who defended their rights together. You can go back and find out.”

Dong Ruxiu couldn't figure it out, because the previous situation was relatively easy to understand, just like he didn't need to buy anything at the time of Double 11, but he still chopped his hands with a blank mind, but what about "housing for the elderly"? It was too profound, and he said in a daze, "Then how did they get a house worth millions with a little money?"

The 1:5 leverage of the real estate market has already raised the GDP. This small amount of money is worth a few million. Isn't it going to heaven?

Yang Zhen smiled: "Then you may have to figure out what the operating mode of the 'housing for the elderly' policy is."

Dong Ruxiu, as a young man who loves the NBA and is concerned about the country and the people, has glimpsed this policy before his eyes. He remembers it as a vision to solve the heavy pension problem in the future when the population is aging severely.

The operation mode seems to be to use the house as a reverse mortgage. Old men and women mortgage their houses to financial institutions such as banks or insurance companies, and take interest every month as pension funds. take back.

In this way, the elderly will be guaranteed in their old age, and the pressure on children who are moving towards the "4+2+1" family structure under the one-child policy will be relieved. It sounds like killing two birds with one stone.

Then Dong Ruxiu didn't pay attention to the follow-up. The world is changing rapidly. Although he is very ordinary, he is also very busy. He needs to understand the important affairs of the country, and entertainment and gossip should not be missed. He hates having to sleep every day.

Yang Zhen briefly talked about the model, which is similar to Dong Ruxiu’s memory. After the model, people with a heart can take advantage of loopholes. Yang Zhen continued: "Let me give you an example, which is easier to understand. Suppose you are an old man and have a house in this community. , with a market value of 300 million."

Dong Ruxiu nodded, and began to brainwash herself seriously. I am 70 this year, and I have a house of 300 million yuan. Today I...

Yang Zhen also said: "And I, nominally a commissioner of a wealth management company, is actually a liar who is trying to get an old man's house."

"One day I suddenly came to you and told you that our company has a wealth management product with high returns. The average annual rate of the bank is almost 4%, and we can achieve 5 times that. Assuming you can have 80 in cash, then I can return you more than 1 yuan in interest every month, and it will be credited to you on a monthly basis, without delay for a day. It is more than young people earning more than working hard, and then you don’t have to worry about getting old It will drag the children back, isn't this the 'House for the Elderly', a positive response to the national policy?"

"As for the 80 in cash, you don't have it? It doesn't matter, don't you have a house? Take your house, go to a financial institution to mortgage it for a few months, and first borrow 80 to manage your money, and the interest will be settled on a monthly basis, and it will be transferred to you separately. account, the principal will be returned automatically when it is due, and then the mortgage will be repaid, the house will come back, and the interest will also be obtained, how wonderful it is.”

The old man surnamed Dong wrinkled his facial features, and there was a line of "Do you think I'm mentally retarded" written on his face.

Yang Zhen continued to sell fake Amway: "Sounds fake, right? I knew you wouldn't believe it. I was very patient in order to lie to your house, and I would not come to the door empty-handed. I will repeatedly instill in you that this financial manager The quota is limited, so I won’t tell ordinary people. The reason why I tell you is because you are an old friend of our client. But judging by your attitude now, I won’t bother you too much. I wish you good health.”

"Then I patted my ass, stood up and left. If you don't need money and don't move at all, that's fine, I'm here for nothing. But as long as you have a little greed for cheap, sooner or later you will go to find me. The client I mentioned asked, as long as you ask, the possibility of you being trapped will be very high."

"Because this client is either my trustee, or I deliberately lose money to make him make money just to trap you and others. It doesn't matter if you believe it or not. I can lie to other old people. The probability of this kind of thing is blind. Dead rats, but as long as one of them is fooled, it can make a lot of money. Now I'm assuming you're in the trap."

Dong Ruxiu nodded.

Yang Zhen: "I'll take you through all the formal procedures, such as mortgage, notarization, and receipts for money involved, so that you don't think it's a scam. I will let you sign a lot of documents, so many that you are considered a young man. Such a good eye can’t read it all, and among the hundreds of names you signed, one or two are loan contracts notarized by a notary office, in which you agree to entrust certain powers in the use of the house Give me."

"Then the mortgage loan of 80 yuan will be deposited into your account on time, and then 80 yuan will be deposited into my platform to start financial management. It will last for 3 months and the interest of 1 yuan per month will be paid to your card on time. Here, you should be relieved when you see the money. When the financial management is due, I will take you to pay back the money, and advise you to mortgage again to earn interest. After several cycles, you will earn 3+ while sitting. In order to gain your trust, you are willing to entrust me with the procedures, because you are old and your legs and feet are inconvenient, and then I will start to do it for you."

"At this time, as long as the mortgage is due, I will not pay it back for you, but I will tell you verbally that I have already paid it back, and at the same time, I will still call you with interest. When the overdue accumulation reaches a certain length of time, the platform you borrowed from is my accomplice. , will sue you and ask the court to award your house to him at a super low price, and you will lose your house.”

Dong Ruxiu was dumbfounded when he heard this. On the one hand, he was surprised that there was still such a rogue-like magic operation, and on the other hand, he felt that these scammers were crazy, and they cheated people's families. Selling it feels like committing a crime.

But if you don't look for the elderly, the young people are more cautious than each other, and he still farts?

Yang Zhen seemed to have seen through his mind, and replied, "So just distribute the leaflets casually."