Rebirth of financial migrant workers

Chapter 63: There are also people from the Sanlimiao branch in the finance room

13:30 Imperial City time,
At present, Sanlimiao Branch has signed 129 contracts.

"The signing speed has obviously slowed down." Sister Jun was a little worried.

"Normally, there are more people in the morning than in the afternoon when the market opens."

The more Sister Jun thought about it, the more anxious she became:
"Now that the branch and China Construction Bank have opened up new positions, your dirty tricks are of little use! They will take away a lot of orders in the afternoon. What should I do?"

Wang Chunliang took a deep breath:

"They won't be able to grab a few orders, but whether there will be so many customers coming to buy houses and get loans depends on God's will. No matter what, try your best to do what you can and leave no regrets!"

14:00 Imperial City time,
At present, Sanlimiao Branch has signed 137 contracts.

The hall is no longer as crowded as it was in the morning.

Ma Xiaobao took the time to stretch his shoulders that were about to cramp.

As the number of contracts signed increases, intractable problems among various loan recipients gradually emerge.

Ma Xiaobao looked nervously at Wang Chunliang and asked:

"Master, according to the purchase restriction policy, outsiders must pay social security for one year in Hedong City before they are eligible to buy a house."

Wang Chunliang: "Yes, and then?"

Ma Xiaobao: "We have encountered many out-of-towners applying for mortgages with one year's worth of social security insurance. Doesn't this go against the original intention of the purchase restriction order?"

Wang Chunliang: "Did the bank issue the purchase restriction order? Did the head office document emphasize that supplementary social security payments do not count?"

"Not without"

"Then why do you care about it? You are a banker, not in charge of property market policies. You only need to grasp two points, the identity of the borrower and other information are true and valid, and you have the ability to repay. The rest is none of your business!"

After Ma Xiaobao left, Sister Jun came over:
“Are there many cases of supplementary social security insurance?”

Wang Chunliang stretched out four fingers:
"There have been more than 40 transactions."

"what!?"

"The permanent population of Hedong City is only 500 million. So many houses were built to be sold to outsiders in the province. Now that a purchase restriction policy is suddenly introduced, many people must use their brains to take advantage of the loopholes. Look at the addresses and dates of these supplementary social security payments. ,all the same."

"A real estate consultant?"

"Of course, I can probably earn 1-2 yuan in one transaction."

At this time, Li Xiao, who was about to be paralyzed, called for help again.

Wang Chunliang rushed to the scene immediately and saw two young people, a man and a woman, signing the contract.

After roughly understanding the situation, it turned out that the two of them had just become friends.

The man's parents wanted to buy a house for their son. When the son's girlfriend heard about it, she insisted on coming over and clamored to add her name to the property certificate.

After the man's parents paid the down payment, they sat aside angrily and gave the choice to their son.

The young man was now frowning at a loss.

Wang Chunliang took the contract and went straight to the point:
"Whose name is on the property deed?"

Woman: "My boyfriend and I."

Wang Chunliang: "Married?"

Woman: "No."

Wang Chunliang: "If you want to add your name to the real estate certificate before you are married, according to bank regulations, you must sign the mortgage contract as a co-payer."

Woman: "I just added my name, why did I sign a loan contract? I don't want a loan!"

Wang Chunliang took out a pen and gave it to the woman to calculate the accounts:
"Look, I paid 60% of the down payment for a 12 house, which is 48. But if you add your name, you have to bear the joint repayment responsibility of the loan. Is it a good deal?"

Woman: “I won’t add my name anymore, I won’t add my name anymore.”

14:30 Imperial City time,
At present, Sanlimiao Branch has signed 144 contracts.

Guan Peijuan and Dr. Ma, who thought they would be able to kill without being harassed by the uncles and aunties after changing to a new position, felt more and more something was wrong.

In the morning, real estate consultants rarely brought clients to sign contracts, which could be explained by the fact that there were too many people at the signing desk and there was no room.

But now the new signing desk is empty and there are still no real estate consultants to bring customers over, which is unreasonable.

Dr. Ma tried his best to find his 'friend' who was busy in the sales department and wanted to find out. Dr. Ma asked:
"Why are you so busy? How many sets have you sold?"

The 'friend' replied while sorting out the house purchase contract:

“SUNNY always asks us to notify customers who originally planned to buy a house tomorrow or the day after tomorrow to move it forward to today, so we sold a lot in the morning, and now it should be more than 160 units.”

Dr. Ma’s eyes widened:

"How much?! Then why are we only given so many loan customers?"

'Friend' hesitated for a long time and explained:

"President Sunny this morning temporarily stipulated that we are not allowed to interfere with the real estate consultants and banks taking orders. I have no choice but to let the real estate consultants take care of each bank as equally as possible."

Dr. Ma blurted out:

"Average care? We have only signed less than 10 deals now!"

'Friend': "How much?! It's impossible. In the morning, there were only a few purchases of houses with full payment, and most of them were mortgages. Each bank can at least provide 30-40 mortgages."

"No, you have to ask the real estate consultants what's going on!"

"Ah? You said the commission for a single transaction is 270 yuan for the real estate consultant?"

"Ang. But commission is not a nice word. This is called information service fee!"

"No, if a single transaction of 270 yuan isn't it over yuan?"

“准确来说是70+200元。你忘了最早的时候行长就已经承诺过120元一笔的营销费用了吗（第五十四章）？扣除给我们房贷经理的50元，剩下来的70元正好和建工银行他们单笔给的提成一样。”

"No wonder, will other banks find out?"

"There was no interference from the uncles and aunties at the new signing point in the afternoon. They should have discovered it soon."

"That"

"Don't panic, don't affect the boys' enthusiasm for grabbing orders."

15:20 Imperial City time,
At present, Sanlimiao Branch has signed 156 contracts.

Guan Peijuan was angry for more than half an hour and still didn't stop:
"This Sanlimiao branch is nothing but rat shit, it has ruined the market atmosphere!"

Dr. Ma was also indignant:

"Our loan center only has such a small amount of funds, so we bite the bullet and follow the 270 yuan offer."

Guan Peijuan: "The amount is the same, can we snatch it over?"

Dr. Ma: "Don't worry, I'll ask my friend to find a seat for us in the sales department office. As long as the customer pays the down payment, the real estate consultant will definitely take him to the sales department to sign the sales contract. How can our people wait there and not be able to grab it?" "

Guan Peijuan still felt uneasy, so she called Wang Yimo to check the situation.

In less than two minutes, Wang Yimou trotted back and shouted urgently:

"Sign up! We didn't even sign in for a single loan in the sales office!"

"?"

"The Sanlimiao branch directly occupied the financial office. When I went to a customer to pay the down payment, I signed the loan contract first!"

"Impossible! Isn't the customer's financial room forbidden by the bank?"

Sister Jun lay down on the table tiredly and asked Wang Chunliang weakly:
"I just saw Director Zhao coming here with the cashiers from the bank. What are they doing?"

Wang Chunliang: "Come to collect payment in cash."

"what?"

"The cash collected by the sales office in the afternoon was all paid into our bank account, so I asked the president to send someone to help Shuanghe Real Estate's finance department collect the down payment right after work in the afternoon."

"what"

"Now the finance room is all ours. I asked Xiaobao and Li Xiao to squat in there and guard the customers directly."

"what!"

　When the property is launched, the down payment and other cash received by the finance department must be handed over to the bank's public account on the same day. In order to facilitate the other party's finances, the bank will send a dedicated person to collect the payment. In order to save trouble, some financial institutions will collect cash from customers or hand it directly to the bank payee.

　　
　
(End of this chapter)