My name is Bai Xiaozi

After searching online again, I found a lender again, and the process was almost the same as before, first they asked me how much I wanted to borrow and how I wanted to borrow.

Since the demand this time is much larger than before, more than 100 million, I can only choose housing loans again, but I have already taken out two loans before. , now there are more than 50 yuan left; the second time is the last loan, and the 30 yuan loan has not been repaid, and there are about 50 yuan left.In addition to the 40+ small loan that I re-loaned for the second time, the total loan is nearly 10,000, and then I have to give 90% points to the lending institution, and it takes about 15.00+ to meet my needs. need.

The lending institution also fooled me, saying that it is rare for me to apply for loans twice in such a short period of time, which means that I am often in a state of lack of money, and I have to save some money no matter what I do. They plan to apply for the highest loan for me. The loan amount is as much as I can borrow. Anyway, the value of my house will definitely exceed my needs.

Under their deception, I signed the contract in a daze, and then they looked for a bank. After a period of searching, I finally found a bank that was willing to lend me a loan of 240 million, but the interest was not low. , there is a full seven points of interest, but the loan period is relatively long, and it will be repaid in ten years.

Because I already have two loans, I cannot apply for another loan. I must pay off the previous loan first.Of course, I must have no money, and the intermediary agency found another third party to pay me 100 million in advance, and asked me to pay off the previous bank debts first.

This step is actually quite difficult. The first bank loan was a combination of commercial loan and provident fund loan. As a result, I had to wait in line to repay the provident fund loan. According to the staff, I had to wait until the end of the year at least. How could I wait until the end of the year in such a hurry? Later, the third room found someone I knew, and after some so-called internal operations, I processed the expedited application, and then the payment was settled.

The second bank did repay the loan, but the materials for canceling the mortgage were not given to me in advance anyway, because of various reasons. Today the bank manager went out, and tomorrow he said he needed approval from the headquarters. In the end, he simply said that I was too anxious to pay back the materials. get ready.Later, it was a third party who found someone to settle it for me.

Afterwards, I will sign a contract with the bank, but shortly before signing the contract, a person who claimed to be a bank employee called and introduced himself as a person from the bank's loan department, because the intermediary agency said before that there would be people from the bank's loan department. I called, so I didn't suspect him either.He asked me how much money I borrowed in total, how much money I paid to the intermediary, etc., and I answered them one by one.

He told me that the intermediary agency charged too much, which would affect the loan disbursement. I thought what he said was true, so I asked him what to do. He said that he could introduce an agency that charged less money. .

I easily believed him, but I was worried about what would happen to the previous institution, and my materials were still in the previous institution, so he said that he would accompany me there to discuss with them and try to get the materials out for me.Discussed with him, and agreed a day to go to the previous institution to discuss together.

On the appointed day, I first met with the person who claimed to be a staff member of the bank. He said that if he met the manager of the lending institution later, he would say that he was my family member, and then told me not to talk too much, and the rest was up to him. give him.

Then the manager came and took us to the office, and he said directly to the manager: "We don't do it, return the materials to us."

The manager was also taken aback, and said, "I've already done this, how can I not do it? If I don't do it, how will you pay back your debts?"

"You don't have to worry about it. My cousin is honest, so you can't bully him for not understanding. His parents already know about it, and they are going to pay him to pay off the debt."

"We have signed the contract. If we breach the contract, we will have to pay liquidated damages. Please think clearly."

"What kind of liquidated damages are all bullying clauses. We won't pay, what can you do with us, sue us if you have the ability. But before that, we must return our materials to us."

"Mr. Bai, is this an expression of your true wishes?"

"Tell you, don't scare my cousin."

"We're not asking you, we're asking the customer!"

The two parties were arguing endlessly, and they almost got into a quarrel. I was also a little scared. I have never seen such a scene, and I really don't know how things will develop like this.After being silent for a while, I expressed that I wanted to go back and calm down before talking. If the two parties continue to argue, there will be no results, so it is better to calm down and talk.

Not long after I left the institution, the manager of the institution called me and said, "Mr. Bai, that person must not be your cousin today?" Before I could answer, he continued, "This person looks like us Don’t be fooled by him. He must have said that there is a cheaper agency in his hands, but think about it if you do it in his hands and he runs away with the money? You know he Where do you live, and do you know his real name? Then you will be about to cry."

"But he said he was the manager of the loan department of the bank."

"How is it possible, don't trust him. In this way, if you think our fees are too expensive, we will give you two percentage points off, which is the lowest standard on our side. We didn't make you any money from this sum."

After much deliberation, I decided to proceed first, so the agency hurriedly asked me to sign a contract with the bank, and I signed without even reading the contract carefully.At the same time as the bank's review, I continued to withdraw the mortgage, and quickly canceled the mortgage. At the same time, the bank's approval was also down, and I was waiting for the bank's approval.

Unexpectedly, there was another side to the incident. The person who claimed to be the loan department of the bank might be out of balance, or for other reasons, he went to my house and told my parents about my loan of 240 million.I still have a stubborn mouth and say that he is a liar, so he just said that there is no need to say anything else, just go to the real estate center to check and find out whether what he said is true.

In this way, this incident that I have been concealing was completely exposed to my parents at this time, which made me feel ashamed.I can't help but think of a sentence: Paper can't contain fire, it's just sooner or later.