Chapter 7 is off to a good start, and the banks bow their heads
"If you buy a car from Mr. Al, you can drive the car away for $8,400,000," pointing to the owner of the car dealership standing next to him, Chen Geng said unceremoniously: "Even $8,200 is fine, but if you buy it from me, you can only use $9,800, not a penny less." β
Without the slightest caution and caution of Asians in front of Americans, the aura is a powerful mess.
"Why?" Gonzalez's face was not very good-looking, more because he was a little unhappy with Chen Geng's powerful aura, this damn Asian actually overwhelmed himself?
Chen Geng said confidently: "Because our promise is worth this price, what you buy from us is a quasi-new car in good condition with a warranty. β
"......" Gonzalez was speechless.
After thinking about it carefully, this is really the case, if there is no Fernandez company's promises, after you buy this car back, you will inevitably have to carry out a comprehensive maintenance and maintenance, how much is the waste of money, energy, and your own time worth? Not to mention whether you will spend more money in vain, even if the cost of repairing your own car is about the same as the money of Fernandez company's car repair, wouldn't it be better to have the kung fu of repairing the car Lao Tzu drinking cold beer at home and watching a baseball game? Not to mention that Fernandez company also sent a free maintenance. Half a year warranty and the cost of repairing the car within 2 years only charge the parts, no matter how you calculate it, you can make it cheaper.
After settling the account, Gonzalez immediately nodded: "OK, deal! $9,800 is $9,800, I want this car, help me apply for a loan." β
And that's it?
Chen Geng is overjoyed: It's off to a good start, a good sign.
"Thank you very much for your support of Mr. GonzΓ‘lez...... Miss Rachel, call Mr. White and ask him to come and help Mr. Gonzalez with the loan!"
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After receiving Chen Geng's call, White, who had just returned to the bank and reported to the manager in charge, was about to go crazy, how long did it take for his compatriots to negotiate a business?
Really?!
Reason told him that Chen Geng couldn't make such a bad joke with himself, but he couldn't believe it in his heart, your company just opened today, right? In less than two hours, a $9,800 business was made?
The gross profit margin of the second-hand car industry is basically about 10%, and at this percentage, plus the loan rebate given to him by the bank, it means that he made $1,000 in the morning?
When White rushed to Chen Geng's company, Chen Geng was discussing the deposit with Gonzalez, and Chen Geng asked Gonzalez to pay the deposit: "Mr. Gonzalez, you have seen the car condition inspection just now, right? After the preliminary inspection, the parts that need to be replaced will cost more than 600 US dollars, and you say, if you don't pay the deposit, we will repair the car and you don't want it, won't this car be smashed in our hands? On the other hand, when you pick up the car, the money can be offset, and in fact you don't suffer a loss, right?"
"Okay, how much is the deposit?" Gonzalez was a little reluctant.
"5% of the total price, which is $490. β
"$490...... It's expensive, when will I get the car?"
"It takes three days on our side, but you need to provide the relevant information to the bank's loan review officer first, and after the approval is approved, we can officially proceed with the transaction...... Mr. White, you're here, Mr. Gonzalez, let me introduce you, this is Mr. White, the bank's credit officer. β
White looked at Gonzalez, and it could be seen from his clothes that his financial situation should be good, and said with a smile on his face: "Hello, Mr. Gonzalez, I am Joshua, the Commissioner of Credit Department of the United Community Bank, thank you very much for choosing to cooperate with us, and then I will conduct a preliminary review of your loan qualifications......"
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The results of the preliminary audit are quite satisfactory, Gonzalez is a department head of a company, with an annual salary of more than $16,000, and the financial situation is very good, as for personal credit, although it needs to be checked after going back, but the problem should not be big, and in general, the probability of the bank approving the loan is more than eighty percent.
Tell Gonzalez to go back and wait for his call, and the audit result will be notified to him by phone within three days, as soon as Gonzalez left, White couldn't hold back anymore and asked Chen Geng: "Mr. Fernandez, how did you do it?"
In White's opinion, this is a bit magical, and as soon as he left, Fernandez made a business, and he was lucky to be almost like he was favored by God.
Chen Geng was quite modest: "It's nothing, maybe I'm lucky?"
"This has nothing to do with good luck," Without waiting for Chen Geng to speak, Joshua, who had finished washing the car, walked in: "Because our boss has skills that others don't have." β
"What are you capable of?"
Joshua looked proud: "No matter what problems there are with the car, as long as our boss takes a look at it, there is nothing that he can't find, otherwise why would we dare to make such a promise?"
Promise?
Only then did White remember the big sign he had just ordered when he entered the door, could it be true? If his own compatriots really have such great ability......
If this compatriot of his own really has such a great ability, he can drive the car around and find out the problem, with those promises that are absolutely impossible for other second-hand car sales companies to give, it is definitely not a problem for him to sell four or five cars a day, and after a while he has started his reputation and popularity, maybe ten or twenty cars a day are easy and easy, he will make a lot of money, and he seems to have inadvertently dug a great gold mine!
Just as White was secretly happy, Miss Rachel walked in with a man and said happily: "Boss, this Mr. Anderson has taken a fancy to our Oldsmobile Cutlass, and if we can put the promised things into the contract, he hopes to be able to pick up the car as soon as possible......"
That big red Oldsmobile cutlass?
White has an impression of this car, and if I remember correctly, it seems that Fernandez marked a price of $7,600 for the car? God, the price of $7,600 is at least $1,000 more expensive than the same model of the same age, but this guy not only did not hesitate at all, but he also looked like he had made a lot of money?
Looking at this living example in front of him, and thinking of the promise Fernandez made to himself, White could no longer sit still: Lao Tzu must go back!
Chen Gengke didn't know that there were so many thoughts in his heart at this moment, but when business came to his door, of course he was happy: "Congratulations, Mr. Anderson, I have to say that you made the right choice and chose a good car...... Mr. White, could you please help Mr. Anderson register the information......"
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The effect of the four promises is beyond Chen Geng's imagination!
Even Chen Geng didn't expect that the promises he gave were so attractive to users that they were terrifying: in just three days, Fernandez Automobile Sales Company sold 21 cars, sold 4 cars on the first day, and sold 7 and 10 cars on the second and third days respectively, not only the number of daily sales reached an astonishing 7 cars, but the sales data was getting higher and higher day by day.
After analyzing Chen Geng's commitment and sales strategy, United Community Bank quickly came to a conclusion: the company's business volume will definitely increase rapidly, and they even have the potential to grow into the largest used car sales company in Detroit.
Of course, the bank is not stupid, they know very well that as the popularity of the Fernandez car sales company grows, the sales performance will inevitably get better and better, and for the United Community Bank, which is only a small and medium-sized bank, if it can catch such a company that has just entered the growth period and has broad prospects at the beginning, it will be of great significance to the development of the United Community Bank in Detroit and even Michigan, isn't it a 25% interest rate rebate, small meaning, give it to him!
After making the decision to fully support Fernandez Automobile Sales Company, Saul, the manager of the credit department, called White to his office, no longer with a paralyzed face before, on the contrary, Saul at this moment had a pleasant face, and he was as enthusiastic about White as if he saw his own father: "Mr. White, after my hard persuasion, the boss finally reluctantly agreed to Fernandez's request, but the boss asked Fernandez to agree to ......"
"Mr. Saul," White interrupted him very without giving Saul face, and now he has enough confidence to pat the table for his boss: "We all know what's going on, for our business hall, Fernandez Automobile Sales Company is a very high-quality partner, and the bosses will definitely not give up the opportunity to cooperate with such a company with great growth potential, so you don't need to say these words, just talk about the conditions that the bank can give." β
With the performance foundation of these three days, coupled with Chen Geng's previous "exclusivity" promise to himself, White is inflated so much, what is the point of slapping the table?
It is true that although Saul was angry enough by White's actions, he could only endure it, if Chen Geng didn't say that he would cooperate with White, he had 10,000 ways to snatch this performance from White's hands, but after Chen Geng made it clear that he cooperated with White, if White resigned from the United Community Bank, no matter which bank he went to, and the financial business of Fernandez Auto Sales Company would automatically go to that bank, Saul had no way to take White.
Taking a breath and trying to calm his mind, Saul squeezed out a stiff smile: "In a word, the bank attaches great importance to the cooperation with Mr. Fernandez, and the bank agreed to give him a 25% rebate, as well as another $30,000 credit line for his company, and another $20,000 for a temporary credit line......"