Blackstone Code Chapter 113: Buy a car, get a loan, sell a land

A white shirt that is slightly smaller than one size, with a thin ponytail on the outside, which is more professional while taking into account the beauty. The dark gray skirt on the lower body is really a little short, but this kind of Dressing up has become commonplace now.

It's hard to find a job now, and everyone has worked hard.

Lynch glanced and nodded, he glanced at the girl's chest... the badge on the front, which said the title of "Sales Manager", this may be the cheapest one that ordinary people can enjoy. Kind of a privilege.

In addition to this title, there is another name, Beth, quite common.

She is holding a writing pad in one hand and a pen on the writing pad in the other hand, looking very professional, while also asking about Lynch's car buying preferences.

This is a very common trick. Recording the customer's preferences in front of the customer will make the customer feel that they are valued. In fact, this "value" will be resold in a short time. To some consulting and investigation agencies, as well as car manufacturers, maybe this is indeed a kind of attention, but this kind of attention can be sold for money.

Customers like Lynch who buy luxury cars, their "value" can be sold more expensively.

Lynch said a few needs, to be beautiful, to be generous, to be serious, and to be honorable.

These few requests made it clear that your girl immediately became interested, and she led Lynch to another exhibition hall, where some of the more well-known luxury cars in the Federation were parked, most of which were sedans.

The price of the car is higher, and the audience in the social group is wider. Even the President's car is a luxury car, which makes people think that the car is a kind of suitable for formal occasions. models, rather than those with a strong "value for money" business car.

People's perception of the business car often comes from its suitability for family use, so even if the business car is not inferior to the car in terms of materials and technology, the price will be much worse because it is not formal enough.

A large number of luxury cars were placed together, and Lynch was a little surprised to see that the girl was able to name their names and manufacturers without hesitation. In Lynch's view, these cars were actually similar.

It may be limited by the current industrial process, or it may be due to people's aesthetics and other issues. The styles of cars are generally not much different, and some cars of different brands cannot even be distinguished from each other in appearance. What is the difference between.

This also made Lynch's desire to choose a car a lot lower. Anyway, the appearance is similar, and the only thing he bought is a different car logo.

"Do you have any good recommendations?" Lynch casually touched the paint of a car and felt that it wasn't too bad. He looked back at the sales manager.

The happy look on the sales manager's face flashed away. It is rare to see such a generous customer. With a little expectation, she asked cautiously, "Sir, what is your budget?"

Lynch smiled, the handsome boy always smiles so brightly, Beth's eyes are a little blurry, "Be able to meet my requirements, try to be as good as possible, not those entry-level cars ."

He didn't answer directly about the budget request. Beth had a good idea and immediately led Lynch to a bright silver car. This car was indeed a little different from other cars. It had a front engine bay. A bit longer, and the whole from the body is longer.

Obviously it should make people feel its incongruity, but it gives people an indescribable beauty, maybe this has something to do with its mirror silver paint.

"This is the latest and most luxurious model in the Haus limousine series. Some domestic stars and dignitaries bought it right away, and its price was less than 100,000 yuan. is the best choice for you."

Lynch took a brief look. Under Beth's introduction, he also got into the car to experience the leather fully-wrapped rear seat and the reclining function. It was even equipped with a record player and the function of listening to the radio. Listening to the radio in the car is definitely an enjoyment that only a luxury car can have.

"How much is it?", Lynch patted the body and added, "I don't like some parts, can anyone here modify it?"

After a period of friendly negotiation, Lynch finally bought the car for $120,000. After refusing Manager Beth's request for home delivery, Lynch drove the car away in person. I went to the car sales center, went directly to the bank, and found Joe Grimman.

Joe Grimman was chatting with his subordinates when he found him. He has been in a good mood lately. The state branch has called him twice on the conference call to praise him during this time. He also called on everyone to learn from him.

There is even a possibility that he can take over the position of local governor. Once this kind of thing that he never dared to imagine before becomes a reality, he will immediately be able to enter the upper class of society, and all this is Lynch Brought by this young man.

When he heard that Lynch was visiting him, he immediately expelled the rest of the office and brought Lynch into the office himself.

He opened the box on the table, picked out a solid color, handed it over, and asked casually, "What can I do for you?"

His words were filled with intimacy and joy. Lynch cut open the two ends of Paradise, and Joe Grimman immediately took the initiative to light a solid color for him with a blowtorch.

Lynch threw the proof of his car purchase on the table, Joe Grimman raised his eyebrows and looked at it carefully.

Although he acts as if everything is easy to say and do, but when he really gets into work, he will immediately become serious and careful.

After reviewing this document and the complete tax certificate, he looked up at Lynch, "If you want to buy a car, you can actually come to me, I know a local dealer who will give you a cheaper price.”

Cars, which can be regarded as luxury goods, are not as easy to sell as people think, especially some luxury cars. Except for some special best-selling models, most luxury cars are in a state of unsalable .

Car manufacturers and sellers have a backlog of cars. The inability of these cars to be realized quickly also drags down their liquidity. In order to solve these problems, they often mortgage these cars to banks and use the bank's mortgage loan. Alleviate financial pressure.

Joe Grimman can easily get a very low discounted price. Those who want to take a loan from him and want to keep the handling fee down must show something.

This kind of operation that is not illegal will not be investigated. It is just one of the many benefits for practitioners in the banking industry. They can always have a good relationship with the company.

Lynch shook his head and exhaled a breath of smoke, "I'm applying for a low-interest loan, a car worth 120,000 yuan, how much can you put in me?"

Joe Grimman looked at the materials in his hand, then left one of them, and called the secretary to prepare a mortgage loan contract.

After he hung up the phone, he smiled and said, "I'll try to give you a reasonable price, we're friends, right?"

Lynch nodded, and he raised his solid-colored hand, affirming Joe Grimman's words, "We are friends."

Bank valuations are often not based on the sales price of a commodity. A hundred yuan is often only worth fifty or sixty yuan in their hands.

However, there are not all inoperable parts, such as valuation errors, such as real-time price fluctuations, for example, many methods can make some errors between the valuation and the final result, which is normal. The annual bad debt indicator is for the purpose of cope with these situations.

These indicators are used, and the people above will not scold Joe Grimman for his mistakes in his work. The loan department itself is very risky.

A few years ago, the price of one carat of Valcido gemstones was about 2,000 yuan, but suddenly a huge reserves of Valcido gemstones were discovered in the local area. One carat dropped to two hundred dollars a carat.

This is something that no one can reverse with their personal ability. The bank must have suffered a lot. Jewelry has always been the most popular collateral. I have never heard of any bank criticizing the acceptance of collateral. The owner of these gems.

These metrics are not used, and they don't praise Joe Grimman for his good risk management. They just think it's what he should do.

Then it won't have any real impact on you whether you use it or not, so why not use it?

Therefore, no one will pursue these permissible mistakes. As long as it is not excessive and does not exceed a threshold that everyone acquiesced in, no one will take the initiative to talk about these work matters.

Soon~IndoMTL.com~ Lynch signed a mortgage contract, and then the 120,000 cash was transferred directly into his account. He needed to pay the bank 100 yuan in interest every month until he paid Get the money, or you can't get the money back.

This practice was not invented by Lynch. In fact, it has been common in all walks of life before this. Otherwise, Joe Grimman would not have known what he wanted to do without Lynch's reminder. .

For Joe Grimman, he once again deepened his connection with Lynch through this trivial incident.

As for Lynch, he bought a luxury car worth 100,000 yuan at the price of 150 yuan per month, and everyone did not suffer.

After talking about these little things, Lynch talked about his real purpose, which is that he intends to sell the current land of the Sabine City Professional Football Club.

If the land stays in his hands, he doesn't have the funds to build a new club outside the city, and he lacks the start-up capital for his plans, and the financial crisis is imminent. Don't sell it now and wait for it to be worthless Time to sell again?

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