Blackstone Code Chapter 1373: This is Mr. Lynch’s mercy!

"We have brand new student loans!"

Sitting in a brightly lit office, the Joy family listened to the insurance manager saying something they seemed to have heard not long ago, and they were in a trance.

Joey's mother reached out and took two more hard candies from the beautiful glassware on the table, peeled one and put it in her mouth, then put the other in her clothes pocket.

She has already hidden three, and she thinks she can hide a few more.

Although she didn't quite understand why the father and son didn't look good after the interview was successful, she thought it was probably a good thing.

In fact, the sales manager had already discovered the woman's little actions, but he didn't break it, and he didn't think there was anything bad. After all, it was just some worthless fruit candy, compared to his business commission... He doesn't feel bad about this family.

He held three cups of coffee that cost no more than two yuan and put it in front of the three of them, and then continued to explain, "The previous student loan regulations must be repaid within six years, which actually caused many families to suffer. There is a lot of repayment pressure."

"As far as I know, thousands of people end up taking their houses every year because they can't pay the money."

"But rest assured, everyone, the days of being plundered by capitalists are a thing of the past, just because of our new business!"

The sales manager's conversation skills are decent, and the comparison raises people's expectations and curiosity, so they have the patience to listen to him.

Lynch once taught these people a lesson, and he used what he said to Richard's people before as an example, including how he told these people how to let them finish their words patiently .

In fact, many times in sales, whether it's selling insurance or commodities, when the customers you face can hear all your descriptions and haven't pointed at the door and told you to "get out", they are basically you. The real customer, the kind that spends money.

With what Lynch said, combined with some of his own experience, he was quickly promoted to sales manager and had his own office.

Of course, he has a steady stream of customers coming to his door while sitting here, which determines that he can't take all the benefits alone, he has to share with those people in the school.

To outsiders, it may be two systems, but to Lynch, it's his business...

To do business, you must have the appearance of doing business.

The sales manager continued, "We have an unprecedented long-term repayment plan with a minimum of 20 years and a maximum of 50 years, and you will not even feel that you have paid for it every month!"

Joey's father couldn't help but ask, "How much is that?"

The sales manager is proficient in taking out a standard document paper and begins to list the data in detail and clearly.

"I personally recommend that you do a 30-year repayment plan because it is more cost-effective!"

While writing these data, he provided some solutions. He also talked about the currency, consumption level, the growth law and curve of the minimum wage. In the end, the family saw that a monthly payment of only 480 After the bill of ten yuan was close to five hundred yuan, he fell into silence.

Actually, this money... doesn't seem to be unacceptable?

Seeing the family's hesitation, the sales manager continued with a smile and said, "This is a four-year full tuition plan. In the fourth grade, you will basically enter the social internship, and there will be no fees. So it's only ninety thousand."

"If you have some savings yourself now, and reduce it accordingly, you may only need to pay more than 300 yuan per month."

"But remember what I said just now?", he looked at the Joy family, "Inflation, consumption levels, remember?"

He taught the family some economics knowledge just now, and when they nodded, the sales manager continued, "Think about it, twenty years ago, how much was a person's salary a month?"

Joey's father was stunned for a moment, then answered subconsciously, "The minimum is eighty-six yuan and thirty-five cents..." He also glanced at his wife and explained why he could Knowing this detailed number, "My first salary!"

The sales manager nodded again and again, "Yes, only more than 80 yuan, but now?"

Without waiting for Joey's family to answer, he asked himself, "York State's revised state minimum wage law this year has risen to two hundred and seventy-nine dollars."

"It's more than three hundred and twenty dollars on the Bupen side, sir, ma'am, do you know what that means?"

"This means an increase in our cost of revenue!"

"Actually, I personally highly recommend you to take this 30-year full student loan. You may find it a little difficult to repay at first, but trust me, it is not unpaid. "

"When your child graduates and has a good job, he may be able to pay off the loan with just one salary."

"With what I just said, maybe in ten years our minimum hourly wage will be four or five hundred or even five or six hundred!"

"After 20 years, the four or five hundred yuan here may be less than half of our minimum wage!"

Joey and his father feel as if...that makes sense because that's what's going on.

Joey's father couldn't help but say, "Now the minimum hourly wage is adjusted almost every year, and it's going up every year. It's more than ten yuan, twenty yuan, and more than two hundred in ten years..."

He found out that this was exactly what the insurance manager said!

The change in his eyes was captured by the sales manager, "Look, I'm not lying. The hard part is just a few years now. When the child graduates from college, everything will be fine."

"And I believe that you also have some savings, which is actually not too stressful for a family like you to repay!"

Joey suddenly asked at this time, "Then why not talk to us about fifty years?"

"According to what you said, in fact, fifty years will be better!"

The sales manager shook his head, "You're a smart kid, no wonder you can go to college..."

This small compliment makes Joey very happy, which is much better than complimenting his girlfriend who doesn't know how many hands is beautiful and youthful!

"But, you need to understand that what I'm talking to you is all based on Mr. Lynch's help to you!"

"Mr. Lynch, like you guys, didn't have the money to go to college at first, so he knew that feeling well, and that's what led to our student loans."

"It was built so that more people don't lose the right to chase their dreams because they don't have enough money in their pockets, that's Mr. Lynch's exact words."

"Help, doesn't mean Mr. Lynch is a fool. In fact, if you want to apply for fifty years, I'm very happy, because my commission will be more, but your actual repayment pressure will not be reduced, Instead, it will increase!"

"And such a plan may only be temporary. Maybe next year or the year after, there will be some changes, such as an increase in interest rates, or a change in the repayment period..."

He listed a series of data, "If you say that your total repayment is about 100,000 in 30 years, then your total repayment in 50 years is about 350,000 or more..."

A large number of numbers are listed, and the whole family breaks into a cold sweat!

However, they are still a little hesitant, because now they need to repay 180,000 yuan if they repay in 30 years, which is a little more than double the tuition fee of more than 80,000 yuan they calculated!

Sales managers know they've said enough, and it's only counterproductive to go on, and some people are just scumbags.

You have a good talk with him, he thinks you are cheating on him, but if you want to ignore him, he will beg you instead.

"You can take these materials back and think about it. There is still a period of time away from school, so you don't have to make a decision in such a hurry."

He raised his wrist and glanced at his watch. "And it's almost time for us. There are other people outside."

Joey's father, who wanted to reconsider, was inexplicably nervous at this time, "Can we come to you for this loan anytime?"

The sales manager nodded with a smile, "Of course, anytime. This is a long-term business."

"However, I need to remind you that the enrollment quota of the new university is already full. If the places are filled because others pay tuition in advance, you will miss this opportunity."

"Even if you don't use the money to go to college, we need to fulfill the contract..."

Joey's father was stunned, "Can you still... pay in advance?"

The sales manager smiled and said nothing, just telling the family with his eyes and expressions, you can go out.

Joey's father was about to say something, but the sales manager interrupted him, "Our time is really over. If you have anything else to talk about, we'll talk after I've received the others."

"Don't worry, I'll be waiting for you even after get off work!"

The Joey family can only leave first.

As soon as they went out, another family couldn't wait to walk in, which made Joey's father hold his breath!

He was a little embarrassed, "I should have made a decision just now..."

In the next room ~IndoMTL.com~ a family of three was sent out by a sales manager who appeared to have signed a student loan agreement, which made Joey's father even more nervous.

Joey also gets nervous, but he doesn't say anything.

The family walked to the corner and began to discuss what to do.

“There are two methods now. The first method is to pay the full amount. We will have to pay back almost 180,000 in 30 years.”

"There is also a way to pay the difference. We can pay first, and the insurance company will pay for the insufficient amount."

Joey's mother touched the fruit candy in her pocket, she was slightly taken aback, "If we pay first, wouldn't there be no money in our pocket?"

"Now that the tax rate is so high, our store can only maintain no loss. No one knows how long the war will last. If we don't have the money..."

At this moment, Joey's father suddenly felt that his wife was right, he gritted his teeth, "Then full amount!"