Blackstone Code Chapter 1202: Bankruptcy and…
There are always people who worry about the bank. Every year the bank releases so much money, what if someone can't pay it back?
In fact, it's not necessary at all. The annual profit of the bank is very amazing. They rarely have any money that they can't get back, because they never give money to the poor, but only lend it to the rich who can afford it.
So the poor can only store their money in the bank when their wealth is not enough to realize their ideas, and then the bank lends the poor's money to the rich, allowing the rich to continue to expand their business and become richer .
But not everyone who can borrow money from the bank can afford to pay it back, like Judy's family, they have a financial crisis, and there is evidence that they will continue to decline.
So the bank is here.
"I've only seen such a scene on TV before." After the banker finished counting and left, the host smiled while leaning on the back of the chair in the dining room.
There is also a buckle on it, and a label, plus a number, this thing cannot be taken away, or sold until it is removed.
The host turned to look at the hostess, feeling a little guilty, "I'm sorry, but in the end I couldn't keep your car."
The couple hugged and comforted each other.
Judy still hasn't recovered. The originally... wealthy family was destroyed in an instant. She never realized that her family was so fragile.
Since she was a child, her life has been very rich, and she is getting richer and richer. Maybe this kind of richness is not like the richness of the rich. She can spend money to buy happiness for herself, but at least the middle-class life not a problem.
With her parents' jobs on track, she may be able to become shareholders in their respective companies in a few years' time, supporting the family's size and expenses with just year-end dividends.
If they start a new business, or make some financial investments, the family will get richer and richer until one day, they decide to start their own business...
But in the past few days, her previous cognition has completely changed, and she still can't accept that this family is as fragile as her broken news hosting dream.
She sat on the sofa, in a daze.
After a while, she couldn't help but say, "Are we going to go bankrupt?"
The male host sighed, "Don't worry, it's not that bad..."
Judy's eyes suddenly burst into Chonglan's expectation. She looked at her father who could not do anything, and hoped that he would tell her that all this was a dream.
The host didn't know that his daughter had so many thoughts. He looked up at the house and said with a sigh, "We sold the house so that we don't need to continue to pay for the property."
"The money will probably cover the loan we owe the bank, so we're not bankrupt yet."
Judy fell silent. This is the only house in their family. The federal property tax is not cheap, and Bupen's is even more expensive.
"If we sell the house, where will we live?" she asked again.
The male owner looked at his wife, "I know there is a motel in the outer ring of the city. It only costs five yuan a night, plus two yuan to provide hot water and a TV."
"We can live there first, then find a job, at least not starve us to death..."
Said that the man let go of his wife, "I have to find someone to buy this house. If I put it to the bank for auction, its price will be very low."
The bank is not completely unreasonable and unreasonable. As long as the money can be repaid within the stipulated time limit, that is, within fifteen days, they will not do anything.
The family is still a respected customer of the bank, and of course their credit rating will be downgraded.
But if the money is not paid within the time limit, the bank will apply for execution from the court and then auction the house in accordance with the law.
There are too many things that outsiders don't know about bank auctions. In newspapers and news, it is always said that banks are constantly auctioning some assets, but a few ordinary people have really heard of it, seen it, and know it accurately time and place?
No, no one knows, everything is digested in-house, at a very, very low price!
The master knows this, he must sell the house before the bank, or he will really go bankrupt.
Buying a house...is not easy, especially in the early stages of social and economic recovery and rapid development.
A lot of money is invested in real industries, factories, foreign and domestic trade, plus expensive property taxes, no one will buy too many useless houses, except for the rich.
This has also led to the fact that the luxury houses in the middle-class communities, which are not very easy to sell, have become even more difficult to sell.
People who look down on these houses don't even think about it, just like those who can't afford these houses, they don't care about the price or anything.
As for the people who can afford and value these houses and their communities, they are also middle-class families similar to Judy's family.
But they can't come up with the money, at least in a short period of time.
Some people say that the biggest difference between the middle class and the lower class and the proletariat is that the middle class is very knowledgeable about wealth. They know that some of the money in their hands can be used for financial investment, stocks, or direct equity participation in companies and the like.
This can make the money more and more, and those at the bottom of the society don't understand this, they only know how to use the money or put it in the bank.
It is precisely the behavior of the middle class that is willing to invest, making it difficult for people who want to buy this house to come up with more than 200,000 yuan in a short period of time.
Some people talked to the host and came to see the house. They liked it very much. The only request was to relax the time or lower the price.
Since the money to buy a house is directly credited into the bank designated account, installments are not accepted, so the buyer must pay in one lump sum, which is also very embarrassing.
The male host rides a bicycle he hasn't ridden in 30 years between different real estate dealers every day, and each time he is greeted with disappointing news.
Some people think that his house is good, but he is only willing to pay a price of over 100,000, which is far lower than his psychological expectations.
He also went to a relatively famous second-hand real estate auction in Bupen. He listed the price of his house at 199,999 yuan, which is 200,000 yuan.
He felt that although the price was a bit low, it was still within the acceptable range, but there was no doubt that two consecutive failed auctions cost him 200 yuan in handling fees.
He didn't sell his house until someone from the bank showed up!
During this period, Judy's dissatisfaction and hatred for Lynch grew, and she believed that Lynch had caused her to suffer so much unfair treatment.
She wanted to publish all of this to let the public know what Lynch's real face was like, but no media was willing to publish this content.
No one will offend Lynch for her, no one!
In the end, the entire house was successfully auctioned at a price of 98,125 yuan, plus their little savings, and the money to sell a used car, and then borrowed it from relatives and friends One point, they paid off their bank debt.
After 20 years of hard work, I returned to the situation when I just graduated overnight.
After signing his name on the last document, the host seems to have lost his soul.
In the afternoon, Lynch came back from the office. The Industrial Incubation Park of Tomorrow's Light was about to be built.
This is great news. After the official completion ceremony is held, we can start to vigorously promote this industrial park.
He also met with the mayor. The mayor also understood the value of this industrial incubator. He talked to Lynch about his willingness to push the city hall and the six major banks to jointly provide some policy support, such as policy and funding. care.
Startups must have a big gap in funding, and they can join forces to help these startups mature quickly.
For the mayor, all he pays is some policy inclination, and some subsidies can bring a lot of jobs to the city, increase his personal reputation, and accumulate political capital for himself.
The bank will not lose anything. As long as they succeed once in 100 ventures, they will be able to make money back. Why not give it a try?
And there's Lynch at the forefront. If this thing really doesn't make money, will Lynch do it?
As soon as I got home and had a short rest, the phone of the community service company rang.
The little maid then told Lynch that a husband and wife who claimed to be Ms. Judy's parents ~IndoMTL.com~ wanted to see him.
I have to say that Judy's parents made a smart choice.
If they go to the company to find Lynch, there is a high probability that the company's front desk will tell them that they won't even let Mr. Lynch know about their visit without an appointment, and then the security guard will ask them out very politely.
It might be reckless to visit the residence directly, but at least it's an opportunity.
The community service company wouldn't know who the two were, they just had to tell the doorman what they thought, and the doorman would definitely respond.
Very clever.
After hearing this, Lynch raised his eyebrows, thought about it for a while, and then agreed with the two.
A few minutes later, Judy's parents appeared in the living room of the house.
They stand, Lynch sits.
"I'm so presumptuous to disturb your rest, Mr. Lynch, I'm very sorry for that!"
The man looks more than ten years older than a month ago, and his shiny hair is now completely tarnished, as if every strand is in the place where it shouldn't be, making him look full of twilight.
There was no such light on his face, only a bleak and helpless emotion on the surface.
He slightly arched his back and bent his waist, and life was like a mountain, crushing him.
Lynch pointed to the sofa opposite, "You can sit down and say, you know, I don't like talking to people with my head up."
The couple immediately sat on the sofa opposite Lynch cautiously and cautiously...