Rebirth of financial migrant workers

Chapter 66

"Mr. Chun Liang, the invisible rich man!"

"That's too much, Gangzi. Now my liabilities are greater than my assets. I'm a pure liability."

"Mr. Chunliang, the first installment of your loan."

Wang Chunliang interrupted Ma Xiaobao, and while others were still sorting out materials, he pulled Gangzi and Xiaobao into the lounge. Of course, the good-hearted Sister Jun also followed.

Ma Xiaobao realized that he almost asked a topic that he shouldn't have just asked, but he was still full of questions. Why did Mr. Chunliang's mortgage down payment for both mortgages be 20%? Shouldn't the down payment for the second house be 50%?
Sister Jun is well-informed, and her attention has long been attracted by the gold card Wang Chunliang just swiped:

"Chunliang, your card is our bank's large-deposit credit card, right?"

Wang Chunliang handed her the gold card generously:

"Well, Changxiang Card is currently in the internal testing stage, and all employees in the bank can apply. However, the retail department of Sanlimiao Branch has just been established, so it does not have the qualifications to apply for it yet. I was arrested a few weeks ago when I passed by the credit card center when I was looking for a business manager. This was done as a test subject."

Gangzi may be a little sensitive to credit cards. After finding out that the Enjoy Card is actually a credit card, he always felt uncomfortable:

"Do you have enough money to repay the principal when it is due? Besides, there is interest for borrowing such a large credit card, right? Do you need me to lend you some money first for emergencies?"

Wang Chunliang waved his hand:
"Thank you. My family has actually prepared the down payment for buying a house for me, but it is all in financial management. It will not arrive until next month. Now it is just a transition period for swiping credit cards, and the monthly interest is not much."

Sister Jun took the golden overdraft card and looked around, then asked her question in a low voice:
"No, I've heard of this card. Isn't it that the maximum overdraft limit is 30? You have borrowed two houses. The 13% down payment for the first house should be more than 33, and the 50% down payment for the second house should be . Plus It’s almost together!”

Wang Chunliang confessed directly:
"Both of my mortgages were for my first home."

Sister Jun: "Ah, what is this operation? Hurry up and teach me!"

"Originally, I planned to get one loan from an outsider and one loan from our bank. But the task happened to be two different, so I had to apply for both loans at our bank, but the procedures were a little more troublesome."

"Elaborate."

"There are only two ways for bank investigators and approvers to determine whether a loan customer is a first-time home owner. One is the customer's housing inspection information from the Housing Authority, and the other is the historical mortgage record on the customer's credit report."

"Yeah, that's right, and pinch?"

"After the real estate certificate is processed, the house inspection will show that there is a house; the credit report will show that there is a house loan only after a delay of nearly a month after the loan is issued. Therefore, people like me who have no house and no mortgage record can only show that there is a house at the same time. If you apply for loans for two houses at two banks, they will be treated as the first house."

After all, Sister Jun is an experienced loan officer. She quickly understood the principle and nodded her head and said:

"Ah ah ah, this is indeed a loophole that can be exploited. Not only is the total down payment for the two houses reduced by nearly half, but the interest rates for both loans are 6% off the first house, and the total interest over 30 years is just less than normal. The price of a house!”

Gangzi: "If you apply for both loans at the same bank now, will it be discovered by the approval department?"

Wang Chunliang: "I need a little help from you, Gangzi. One of my loans was reported as the first home at the Sanlimiao Branch. You pretended not to know about the other loan and took it back to the Chenghuang Branch and reported it as the first home."

"Oh~ This just creates two sets of approvals at the same time, without knowing each other, which is amazing. Will the credit system see it?"

"No, the current credit system also has loopholes. The loans in progress reported by different branches do not display each other."

Sister Jun opened her mouth slightly, obviously shocked.

Ma Xiaobao was in a fog the whole time, only feeling that there were so many twists and turns in the loan.

After all, Gangzi comes from a family in the banking system. He has been exposed to it since he was a child, and he thinks it is nothing more than this:
"These are all routine operations. Have you ever seen that some urban banks in the past two years blindly changed their credit reports?"

Wang Chunliang felt that continuing the topic might result in a 404, which would not be conducive to the growth of newcomers like Ma Xiaobao, so he interrupted the topic:

"It's past 10 o'clock now. Everyone has been tired for a long day. Xiaobao, go and inform your colleagues and let's have a supper together to celebrate."

Sister Jun quietly put her bank card into Wang Chunliang's hand:
"You just bought a house, so you probably aren't rich anymore. There are so many people, please use my card to treat me."

Wang Chunliang felt a warm current well up in his heart. He put the card back into Sister Jun's pocket and gently patted the back of the other party's hand to reassure her:

"There are still a few thousand left of the fifty thousand fee given by the president."

Xiaobao, who had already run into the hall, called out: "Mr. Chunliang from the Sanli Temple mortgage team is treating us to a supper, let's go!"

Xia Man: "Let's go!"

Wang Chunliang: "?" There were only two young female clerks packing up contracts and Dr. Ma left in the huge hall.

Dr. Ma was sitting motionless in his chair, like a living statue.

Suddenly he felt someone tap him on the shoulder.

He raised his head numbly and saw a young and delicate face.

The sweet smile on her face made Dr. Ma feel that his riddled heart was instantly healed.

He reluctantly responded with a smile:
"Thank you for trying to comfort me. I'm fine."

Girl: "Sir, we are about to get off work. Please see if you can leave. Thank you."

In box 306 of the seafood food stall not far from Baihuayuan,
Xie Guangfa, the bank assistant in charge of retail of Mule Bank Government Affairs New Area Branch, all members of the retail department and non-staff member Han Lizheng were sitting together.

Xie Guangfa: "Han Li, when Dr. Ma comes, you have to entertain him. Next month our real estate mortgage will have to rely on their loan center to sign the contract."

Han Li: "Don't worry, thank you. Dr. Ma and I have been brothers for many years."

Xie Guangfa: "It's already half past ten, why hasn't he come yet? Did you notify me of the wrong location?"

Han Li: "No, Dr. Ma chose this location himself. I just called him and no one answered. It's probably because the signings are so popular and I'm so busy that I haven't stopped yet. Let's wait a while."

Xie Guangfa: "There is also a fourth-level branch signing orders for Baihuayuan real estate this week, right?"

Han Li couldn't help laughing:
"That's right, Sanli Temple Branch is here to embarrass people."

Xie Guangfa: "I heard that Wang Chunliang, the special coordinator of the head office, made a bet with Vice President Zhang to sign 200 orders a day."

This sentence immediately silenced the room, and everyone burst into laughter a few seconds later.

"Hahaha, a fourth-level branch that has never done any mortgage loans needs to sign orders worth 200 a day?"

Xie Guangfa also smiled and shook his head.

The sound insulation effect of the private room in the small shop is not very good.

While everyone was waiting boredly for Dr. Ma in 306,
Bursts of screams came intermittently from next door.

"Ma Xiaobao signed 18 orders and received a reward of yuan."

"Li Yukun rewards 30,000 yuan"

Everyone in 306 was put in a bad mood by the cheers, and the air was filled with a sour smell:
"It seems that the Sanlimiao branch is next door."

"They seem to be celebrating after completing 200 orders."

"They are so noisy and have no quality at all. Zhang Shuai, go and ask them to be quiet."

Within a few minutes, Zhang Shuai came back:

"I warned them, and also said thank you for being here and asked them to pay attention."

Han Li: "Haha, so what if it's completed. The person sitting here is the president of a first-level branch, how can we let him be so arrogant?"

Everyone nodded. After all, we are a first-level branch and there is an assistant in charge. It should be that the other party comes to toast and apologize, and then he will be ridiculed verbally.

Xie Guangfa said sincerely that you know a hammer, and he is not from the Zhengwu New District Branch. If he really needs to be investigated, his human relations are in the head office.

Now that I have won such a big bet, my future will be like a rocket. I am just a small assistant in a branch, so I am nothing.

However, in front of so many people, you still have to talk about the situation.

He snorted and said very forcefully: "Oh, I'll go find him later. I don't believe it. He dares not drink when I toast him!"

(End of this chapter)