Chapter 95
No matter how painful it is, you won’t regret what you decide, because regret is meaningless.
Finally, the agent girl called and asked him to go to the loan approval center in the Housing Management Bureau.
Shen Chong calmed down and went out with a sense of determination that never returned.
He didn't hear that the intermediary girl's tone was not right, and she seemed to be crying anxiously.
If the loan approval is incorrect, it may not be a big problem, but others can still use rules and regulations to get stuck in the whole thing.
The Shudu Trading Company was found by the agent Xiaomei.
The scale of Shudu Commercial Bank is not large, not comparable to the four major banks in the country. However, in the field of Shudu real estate transactions, it has developed rapidly in recent years and is now considered a local tyrant.
This is the bank that lends the fastest in Shudu City. The disadvantage is that it has many rules and has the strictest requirements on credit reporting and other aspects.
Thanks to the self-discipline of his predecessor, Shen Chong had no problems with credit reporting.
But something happened to his bank statement. His average monthly income was relatively low in the past year and was stuck by the staff of Shudu Commercial Bank.
The loan approval center is very large and is surrounded by a whole circle, and the approval offices of major banks are here.
The Shudu Commercial Bank office occupies the largest office in the innermost part.
The office was crowded and crowded.
There are staff from other agencies, as well as many buyers and sellers.
Everyone had strange blush and excitement on their faces, and their resentment towards the "deadly" intermediary girl.
When Shen Chong arrived, the agent girl was struggling inside with a difficult face.
She has been pestering here for a while.
"Manager Pei, my client has a good credit report. He has changed jobs now. No problem, absolutely no problem!"
The intermediary girl blushed and squeezed into the crowd.
In fact, this is what she lacks experience. When encountering such a thing, the old man would never get involved here. He should go back to the headquarters of the agency and find a solution to the leader.
There were many people waiting in line next to and behind her, and they were particularly impatient with her.
The man with gold-rimmed glasses sitting opposite the desk, that is, Manager Pei, looked at the agent's sister indifferently and frowned slightly, "I just asked you to leave, why did you run back? Get out of the way and don't block the people behind you from doing things."
Shen Chong relied on his head and forced himself to squeeze from the crowd to the front, "What's wrong?"
Manager Pei looked at Shen Chong with great helplessness.
The intermediary girl pulled Shen Chong over, "Manager Pei, this is my client, Mr. Shen Chong. Mr. Shen, please tell Manager Pei, we are really fine."
Shen Chong felt a little unhappy, but he reluctantly tried to be patient, nodded at Manager Pei, and said, "Hello."
Manager Pei curled his lips, "If you say there is no problem, there is no problem? The rules and regulations are here, and I didn't decide it. The bank statement clearly states that it is, and the average monthly income is less than 45,000 yuan. How could I give you a loan of more than one million yuan?"
Shen Chong replied: "But I just signed a new unit, with a monthly salary of more than 7,000 yuan. I just arrived yesterday and saw..."
As he said that, Shen Chong took out his cell phone and planned to open the bank text message to Manager Pei.
Unexpectedly, the man in glasses slapped Shen Chong's phone impatiently, "If you don't look, I care about when you will arrive and how much will you arrive. I checked your turnover in the past year, and how much will you stay in the future?"
"Also, if you pay 30% of the down payment and have a mortgage of 25 years, then you must pay 7,300 yuan a month. Your salary must reach 15,000 yuan. Is it enough? How capable are you to buy a big house? I can't make bad debts. Let's go out of the way, don't get in the way."
Manager Pei said as he stood up and wanted to drive away the people.
Shen Chong was almost mad at the scene. Damn, I bought a house, but I really didn’t have money to pay for it. I’m going to pay you the money and give it a sarcastic look?
Damn I really can't afford it. Your bank can take back the house. Why are you so stinky?
That's him. He didn't like to be an otaku in his previous life, and he couldn't stand being an angry person in this life.
When someone else faces this kind of rejection from the bank manager, he will probably leave with a wry smile.
The agent's little sister sighed, "Oh."
She felt that this big business was going to be ruined.
In fact, she knew the banking system from the beginning, but she was lucky. In addition, she had just started this business and was too reckless in dealing with such a large order.
At this moment, Manager Pei suddenly stood up and waved his hand behind him, "Xiao Tang, come and take a push, I'll go to the bathroom."
As he said that, he walked out from behind the desk, glanced at the agent's sister and Shen Chong intentionally or unintentionally.
Shen Chong didn't understand what he was going to do, was he going to find a shot?
The intermediary girl's eyes lit up, and she quickly pulled Shen Chong quietly and walked out, following Manager Pei behind.
The two followed the man in glasses to the bathroom door. Manager Pei turned around and said, "Actually, the rules are rules, but they are not completely incapable of turning around."
The intermediary girl asked quickly, "Okay, Manager Pei, please tell me."
Shen Chongze suddenly patted the agent's sister on the shoulder, "What do you like to eat?"
The little girl was confused and replied subconsciously, "Hotpot?"
Shen Chong nodded, "Yes, hot pot noodles are the most delicious!"
Then he turned to Manager Pei and said directly: "If you have any requirements, Manager Pei, please tell me."
Although I don’t understand why Shen Chong suddenly talked about food, Manager Pei was not thinking about it. "It can’t be said to be a requirement. First of all, for high-risk users like you, you must be based on the benchmark interest rate."
“How much is floating up?”
Shen Chong asked directly.
“Twenty percent.”
Manager Pei replied.
Shen Chong's eyes were wide open. Damn, why don't you snatch it?
By this calculation, I have to eat 200,000 more interest than others.
Manager Pei continued: "There is no way to do this. The rules and regulations of our business bank say that no one can get along with it. The same goes for you to switch to any other bank."
"What else?"
"In addition, according to your loan amount, you must pay a deposit of 50,000. This deposit will not be refunded to you. If you purchase our bank's products."
Shen Chong's eyes widened, "What else?"
Manager Pei glanced at the agent girl again, hesitated a little, but finally gritted his teeth.
But he didn't say anything, but stretched out five fingers, rubbed Shen Chong and the intermediary girl, and pointed at himself.
Manager Pei, the man with gold-rimmed glasses, has a very clear attitude.
Shen Chong pretended not to understand, "What does it mean?"
"fifty thousand."
Manager Pei pointed at himself again and said in a low voice.
Shen Chong asked directly, "Give it to you?"
He stopped talking and just nodded slightly.
He was sure that Shen Chong had no choice.
If an average annual monthly turnover is less than 4,500 yuan, people who have recorded their annual monthly turnover apply for a loan of 1.26 million yuan?
He can't handle it, no matter whether it is Shudu Commercial Bank or other banks.
Unexpectedly, Shen Chong turned around and left, saying, "Get out of here."
Seeing this, the intermediary girl wanted to apologize to Manager Pei, but Shen Chong turned around and pulled her shoulder hard, "Let's go, stop talking nonsense with this beast."
"Why are you scolding me!"
Manager Pei said angrily from behind.
Chapter completed!