Chapter 211: We don't have a line of credit

The second-hand car dealers designated by the financial company are generally strong and will not be the kind of small car dealers who rent one or two parking spaces in the parking lot or showroom.

Some also require customers to purchase models with a mileage of no more than 120,000 kilometers and a vehicle age of less than five years.

There will even be a requirement for the borrower's financial income, which will not be possible if it does not reach twice the monthly repayment amount.

The financial company also has its purpose in doing this, one is to screen those customers who are not strong enough to repay on time, and the other is to ensure the quality of the vehicle, to ensure that in case the customer can not repay in time, the financial company will not lose too much after taking back the car.

There is also a disadvantage to this, that is, these designated car dealers rely on their monopoly position to let the lender buy the specified insurance, and the purchase period is not less than the loan term, which can ensure the safety of the vehicle while also making a large insurance commission.

In addition, some financial companies require customers to purchase vehicles that cannot be used for operation, but can only be used as private cars, after all, the business vehicles are replaced 24 hours a day without stopping, and the condition of the vehicles is very powerful.

"So many restrictions?" Wang Yang smiled bitterly, there really wouldn't be pies in the sky.

"Yes, there are a lot of restrictions, so no matter which financial company you apply for a loan from, ask all the attention requirements before taking out a loan, so as not to tell you that you have these requirements later, and then it will be too late to regret it. ”

Wang Yang asked curiously, "Where do you Zhenghong Auto Dealers ask to buy any insurance?"

"Nope. Fang Yuan explained that because the performance of Zhenghong Auto Dealership was not good in the past, the store manager Manager Sun was not interested in the installment loan, and the installment loan was pitiful, at least for the time being, customers need to find a place to insure themselves, and only need to meet the requirements of Zhenghong Auto Dealership.

"What a chance. Wang Yang snorted, he listened to Fang Yuan's introduction very carefully just now, guessing that Zhenghong Auto Dealers would probably have restrictions on the types of insurance, but he could find whichever insurance company he wanted, and he didn't have to pay any insurance deposit, which saved a lot of money.

"It's a great opportunity indeed. Fang Yuan felt that at present, Zhenghong Auto Dealership's installment payment conditions were very restrictive, and suggested that Wang Yang must seize this opportunity.

"Hmm. Wang Yang nodded heavily, he had not been in contact with Fang Yuan for a long time, but he felt Fang Yuan's sincerity, thinking that he was sincerely for his own good, otherwise he would not have said so much.

Wang Yang sighed and began to confide in the other party, at first he was a little undecided because he didn't have much money, and he didn't know whether to buy a low-priced model, or go to a 4S store to buy a better model in installments.

Later, Lu Hongjuan, a waiter in the store, bought a luxury car for his son for only 200,000 yuan, and he began to have a strong interest in second-hand cars.

Especially after seeing the Nissan Teana, he was simply stunned, completely subverting his understanding of the old, dilapidated and old used cars, and felt that he could also spend very little money to buy a relatively high-grade model.

After having this idea, Wang Yang has been waiting for Fang Yuan's arrival, or asking Lu Hongjuan to take him to Zhenghong second-hand car dealership to find Fang Yuan.

"Seriously, I couldn't be happier to see you at the hotel yesterday. Wang Yang looked at Fang Yuan with an excited face, "The facts are the same as what Lu Hongjuan said, I am very satisfied with the model you recommended, and I think you will not cheat me." ”

"Brother......" Fang Yuan hesitated for a moment, and finally said, "You have a mortgage now, if you are not in a hurry to talk about a girlfriend, there is actually no need to buy a car......"

"I'm in a hurry to buy a car now, and I want to buy a higher-grade model, because I am not willing to live a life in a mess, and I am not willing to live this life poorly. Wang Yang sighed again, he didn't seem to hear Fang Yuan's question just now, and what he said was a bit unanswered, "I am a manager of Tianyu Hotel, and I have more contact with people, and I know that people are divided into three, six, nine, and so on, and each class has a circle of various classes......

Wang Yang told Fang Yuan that he had been in contact with an elite circle, and once this group of people came to dinner, Wang Yang overheard them analyze the recent stock market situation, and agreed to withdraw from the stock market.

Wang Yang knew what kind of identity they were, and immediately secretly cleared his stocks, who knew that it didn't take long for the stock market to really plummet, and Wang Yang got out perfectly because of the timely clearance, and did not suffer a little loss.

Since then, Wang Yang has felt the vast power of others and wants to find a circle to integrate into.

However, I don't have any connections, I don't have a house, I don't have a car, and people don't care if you are close, and they don't take yourself to play at all.

So Wang Yang changed his previous living habits, took out all his savings, paid a down payment in a better community, and thought about buying a better car.

"That's right. This time, it was Fang Yuan's turn to suddenly realize, and he realized that Wang Yang was using the house and car as a stepping stone, in order to increase the chance of integrating into those small circles.

Fang Yuan thought of Zhou Bing again, people like Wang Zhi, if it wasn't for the introduction of models to them, it is estimated that they would not have played together for the rest of their lives, after all, their life trajectories are different, let alone integrating into their small circle.

Wang Yang said so much, the depression in his heart was released at once, and the whole person felt very relaxed, and took the initiative to say to the other party: "The conditions of the second-hand car loan are similar to the loan conditions for buying a house, right?"

"It should be about the same. Fang Yuan took out a loan to buy a house through Zhou Bing's channel, and he didn't deal with the bank, but he felt that it should be about the same.

Fang Yuan is very familiar with the procedures for second-hand car loans, he told Wang Yang to prepare six months of bank statements, ID cards, original and photocopies of household registration books, car purchase agreements, contracts or letters of intent to purchase cars signed with dealers, how much is the down payment, how much is the loan interest, etc., and said that when he goes to Manager Sun to go through the procedures later, he will be more detailed than he said.

In the end, Fang Yuan told Wang Yang that some of the current car loans are pure credit loans, and there is no need to mortgage the big green book, that is, the motor vehicle registration certificate, or the purchase tax invoice, the car purchase invoice and other documents, and there is no need to install GPS positioning, and the insurer is also the name of the car owner.

However, the procedures of Zhenghong Car Dealership are estimated to be a little troublesome, and it may be a green book, and the insurer will write it as a financial company, as for GPS, Fang Yuan estimates that there is no need to install it now.

Seriously, Fang Yuan thinks that installing GPS and pressing the green book is to prevent good people from bad guys, and people with bad intentions can cash out the car at a low price without a green book, which is of no great use.

Fang Yuan asked Wang Yang to remember that after completing the loan procedures, although the car could be driven away, the ownership of the car belonged to Zhenghong Financial Company, which was filed with the vehicle management office.

When you finish paying off the car loan, you must remember to find Zhenghong Financial Company to get back the big green book and some other documents mortgaged.

Then take the big green book and other relevant materials, go to the vehicle management office to apply for the release of the mortgage relationship, and go through the procedure commonly known as "release of mortgage", so that the car really belongs to you.

During the repayment of the car loan, the first beneficiary of the insurance is Zhenghong Financial Company, and the name of the beneficiary must be changed back after the "release", otherwise in case of an accident, the insurance company will lose the money to someone else's account, and it will be a lot of twists and turns to recover the ironclad dues.

"It's a hassle. Wang Yang felt that the procedures were cumbersome, but he still nodded heavily, and was very grateful to Fang Yuan for explaining all this.

"If you take a pure credit loan, there is not so much process, as long as you repay the loan on time. "The procedures are cumbersome, Fang Yuan is also very helpless, he can only wait for the future to apply to the group headquarters for simplification, they are just a small branch, there is no way to call the shots.

Wang Yang locked the goal of buying a car on the tenth-generation Honda Civic and Lynk & Co 03, through Fang Yuan's introduction, he now knows the advantages, disadvantages and common problems of the two cars, even how to get a loan later, and even what to pay attention to when passing the car loan, Fang Yuan has made it clear.

Wang Yang felt that he was all clear, and it was time for him to finally decide what model to buy.

"I think the Honda Civic is of reliable quality, has a lot of space, and has a low cost ......of car maintenance," Wang Yang made up his mind and told Fang Yuan that he wanted to buy the tenth-generation Honda Civic

"No, I think this Lynk & Co 03 Jin Pro is more suitable for you. Fang Yuan shook his head slightly, and seriously denied Wang Yang's idea.

"Why?" Wang Yang was depressed, obviously the Lynk & Co 03 was cheaper, its space was narrow, it had to add No. 95 gasoline, and the cost of using the car was higher, so why did Fang Yuan suggest buying it.

"The Honda Civic of our car dealership is priced at 139,800, and the Lynk & Co 03 Jin Pro version is sold for 135,800, there is not much difference between the two, I recommend it more suitable for you. Fang Yuan explained that Wang Yang wants to talk about a girlfriend in the future, and even wants to use it as a stepping stone in the future, so the exterior and interior of the model are either high-end and high-end, or low-key and luxurious.

Not to mention attracting everyone's attention like Rolls-Royce, Bentley, and Lamborghini, at least you can't make others disgusted, and pouts with contempt after a glance.

The appearance of this Lynk & Co 03 Jin Pro version is not low, and it is blessed with a sports kit, which can be said to be crazy and handsome in appearance.

Its interior is exquisite, the materials used are not bad at this price, the central control screen and other configurations are very high, at least it looks luxurious and high-end.

In addition, this Lynk & Co 03 Jin Pro version has a 0.9-second 000 acceleration, and the sense of control is also good, in case you follow behind your companion's luxury car, you won't be thrown too far.

Geely's car is good, but if this car is a Geely standard, Fang Yuan Tie will definitely not recommend it to Wang Yang, but the Martian Lynk & Co logo has become the first reason to recommend.

"I see, okay, I'll buy this Lynk & Co 03 Jin Pro version. Wang Yang immediately understood what Fang Yuan meant, smiled gratefully at him, and sighed in his heart that Fang Yuan was not the kind of person who wanted money to die, and only recommended the most suitable model to customers.

Wang Yang happily decided to buy this red Lynk & Co 03 Jin Pro version, and Fang Yuan led him to the manager's office to go to Manager Sun to go through the formalities.

The two had just walked to the door of the manager's office, when a loud laugh came from inside, and then the smiling Ma Li and the others were walking outside after completing the formalities.

Seeing Fang Yuan and Wang Yang coming over, Ma Li and the others quickly realized that Manager Wang was also here to go through the formalities, so they looked at him curiously: "Manager Wang, what car did you buy?"

Fang Yuan didn't say a word, and even took a step to the right without a trace and flashed to the side, leaving Wang Yang alone to face his employees.

Wang Yang smiled slightly, and didn't speak, but turned around and pointed to the red Lynk & Co 03 Jin Pro version not far away.

Where Ma Li and the six of them pointed along Wang Yang's arm, a red sedan appeared in front of everyone.

The color of the Lynk & Co 03 Jin Pro version is bright and eye-catching, the front face shape is murderous, and the split headlights are stunning and public......

Ma Li and the others were momentarily stunned in place, staring at the front without moving.

After a long time, Ma Li and the others seemed to be robots, their heads clicked and twisted towards Wang Yang, and then looked at Lynk & Co 03 Jin Pro Edition, their eyes shuttled back and forth between Wang Yang's face and Lynk & Co 03 Jin Pro Edition several times, and then they exclaimed together: "It's so handsome, it's so good-looking......"

Ma Li and the others came to their senses and ran towards the Lynk & Co 03 Jin Pro version like a tide.

Gathered around this Lynk & Co 03, some people stroked the angry car paint with their hands, some people stood in front of the front of the car and looked down at the stunning and handsome front face, and some people opened the door and were a little shocked by the luxurious and high-end interior......

Ma Li has been staring at the square black logo above the hood of the Lynk & Co 03 Jin Pro version, and after carefully looking at it for a long time, she didn't see what brand it was, so she shouted at Wang Yang with a confused face: "Manager Wang, this is a foreign brand?"

Another employee also asked Wang Yang curiously: "The appearance is so good-looking, and the interior is so luxurious, it must be very expensive, right?"

"Not expensive, not expensive. Looking at the ecstatic appearance of his colleagues in the distance, the smiling Wang Yang gave Fang Yuan a thumbs up, and threw away a smug look, and then turned around and walked to the manager's office with his head held high.

After sending Wang Yang into the manager's office to explain the situation, Fang Yuan quickly walked out, and suddenly found that Liu Liang, who had not received customers, was gathering not far from the door to chat.

Seeing Fang Yuan coming out, the four salesmen walked towards Fang Yuan quickly at once, surrounding him to death.

"Manager Fang, you are too good, you just sold six cars in two hours after work. ”

"It is estimated that Manager Fang's sales today can break the record of Zhenghong Auto Company. ”

"The previous record was also held by Manager Fang, and I remember it seemed to be seven. ”

Liu Liang and Fang Yuan had the best relationship, he excitedly came to Fang Yuan, and said happily: "If you keep this momentum, it's not a dream for you to earn one million a month." ”

"Earn a million a month?" Fang Yuan was blindsided by Liu Liang's words, and when he was thinking about how much money he could earn in a month, Zhao Daming's eyes widened and asked, "Manager Fang, how can you spend it if you earn a million a month?"

"I think Manager Fang can basically achieve financial freedom, no matter where he goes, he doesn't have to worry about the price, what to buy, what to eat, what to play, and he doesn't need to worry. Xu Hong envied the DC Halazi, "The most expensive five-star hotel in our big city, when it is cheap, it only costs 1,000 yuan a day, the deputy manager earns one million a month, and only spends 30,000 yuan a month, and you can also talk to the manager about discounts, it is estimated that more than 20,000 yuan is enough, send free broadband water and electricity cleaning and parking breakfast, and then half a member, you can even include afternoon tea and dinner." ”

"Manager Fang, poor car, rich watch, I suggest you buy Lux Green Water Ghost, only about 100,000, you buy one piece a month, buy every month, and make up enough for the twelve constellations. Song Wei gave Fang Yuan a suggestion, "If you don't like Rolex, you can buy Vacheron Constantin's across the world, sell it for 150,000 yuan at the counter, and only need 80,000 yuan to buy it." ”

"Eighty thousand, Brother Song, why do you look down on people?" Liu Liang shouted at Song Wei, "Fang Yuan has a monthly income of one million, and he still cares about the difference in tens of thousands?"