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Having a house with full title as collateral? White breathed a sigh of relief.

For banks, such customers are the favorite customers of all banks, and they are also the "luxury top version" customers that all credit officers want to meet the most, but only one out of twenty, which belongs to the kind with the least financial risk.

The most important thing is that he knows the situation in the Great Lakes area, although it is not a rich area, but it is also a mid-range residential area, although they are some old neighborhoods, but the house prices there are generally more than 100,000 US dollars, and even the average price of the driven (apartment) is more than 40,000 US dollars.

"No problem, of course no problem, absolutely no problem," to make sure that the guy in front of him really intends to handle the loan business from himself, White's excited heart is about to jump out, according to the pre-job etiquette training, just right to show eight teeth: "Sir, I don't know what the amount of your planned loan is? If the total amount of your loan is more than $20,000, I can apply to my manager in charge for some interest rate concessions for you...... Well, the current 2-year loan interest rate of our United Community Bank is 3.2%, but I can help you get a preferential interest rate of 2.99% per annum, which of course requires me to verify your house. ”

Chen Geng nodded noncommittally: "You come with me to see my house, and we will talk about the specific details later." ”

Wright rejoice!

There is nothing more important for a credit officer than physically inspecting the collateral.

........................

Looking at the house in front of him, White was a little disappointed.

He thought it was a house, that is, the kind that the middle class in the United States liked like a lawn in front. The single-family villa with a small garden at the back is also a townhouse (townhouse), but the house in front of me is neither a house nor a townhouse, but a two-bedroom and two-hall condo (property right apartment, basically the same meaning as the domestic commercial house), although the house is well maintained, but it is probably a long time to use, the whole apartment is a little dilapidated, but fortunately, the public facilities such as elevators are still easy to use.

However, this is not a big problem, after a preliminary review of Fernandez's housing title certificate and area, and the determination is correct, considering the location and neighborhood where the house is located, White silently gave an estimate of $50,000 in his heart.

Of course, $50,000 is a relatively conservative estimate, and if Fernandez is not in a hurry, he can end up selling for $53,000 or even $55,000, and if he can meet a fool from Neon Country, he may be able to sell for $60,000. Based on the bank's maximum loan factor of 0.7, White gave a maximum loan amount of $35,000: The Union Community Bank could lend Mr. Fernandez up to $35,000 — a lot for an American who earns just over $9,000 a year and is almost all moonshine.

Worried about long nights and dreams, and in order to finalize the deal as soon as possible, White readily gave the maximum price he could offer: "Mr. Fernandez, considering all the conditions, if you decide to use the apartment you own as collateral, I can give you a valuation of $41,000 at most,"

Without waiting for Chen Geng to speak, White explained: "This is definitely the highest price that the bank can give, if it is a big bank like Merrill Lynch and Mellon, they will definitely not give you an estimate of more than $35,000, even if it is the other credit officers of our United Community Bank, the share price of this apartment they will definitely not exceed $38,000, but who makes us compatriots, I can give a valuation of $41,000...... Please believe that there will not be a bank, a bank with a higher valuation than my credit officer. ”

Chen Geng nodded: "Yes, just follow this estimate." ”

He naturally knows what the valuation of this house is, but he also knows that it has always been a bank tradition to lower the valuation of something worth $10,000, and he will find various reasons to lower the price to $6,000, and then lend you $3,000 according to the 0.5 loan, and then hope that you can't repay the loan, so that they can take away your collateral and sell it for $10,000, happily making $7,000.

Although according to the market price, his house can be sold for almost $50,000, but the valuation given by White is reasonable, the reason why he did not look for big banks such as Chase, Merrill Lynch, and Mellon, but looked for United Community Bank, a small and medium-sized bank with total assets of less than $2 billion, is not because their loan coefficient and valuation of collateral are relatively high.

Seeing that Chen Geng recognized his valuation, White breathed a sigh of relief, he was really eager to make this deal, it was about to be the end of the month, if he couldn't finalize the deal quickly, he would have to get out, for his sister, he must not get out, for White, everything has to make way for the quick signing.

Seeing that Chen Geng recognized his valuation, in order to improve the transaction rate, he immediately said: "Usually banks will use 0.5 to 0.55 of the valuation as the loan coefficient, but I can give 0.6, that is, you can borrow up to 24,600 US dollars, and the interest rate will be ...... according to the annualized interest rate of 2.99%."

"$27,000, 2.75% annualized interest rate," Chen Geng interrupted White's words, although I don't know why this credit officer is so anxious, but this is not the point, since you are in a hurry, then don't blame me for being polite to you: "Agree, we can sign a contract at any time, if you don't agree, I'll change banks." ”

White was stunned for a moment, then immediately nodded: "No problem, deal." ”

$27,000 is less than the maximum loan of 0.7.

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Bieber really had no way out, when Bieber appeared in front of Chen Geng five days later, Chen Geng was stunned to find that in just five days, this big fat man who had lost two hundred and eighty pounds before had lost at least 50 pounds, and he actually had a bit of slim taste, that is, the dark black bags under his eyes that drooped seriously silently indicated that this guy had a bad time recently.

Seeing Chen Geng, Bieber's face was ugly and haggard, and he said hoarsely: "Fernandez, promise my conditions, my company is yours." ”

"You say. ”

"$10,000, I want cash, I don't accept installments, I have to pay in a lump sum,"

"Yes. Chen Geng agreed without saying a word.

Relieved, Bieber continued: "The second point is that you have to pay the rent of the venue and the house this Friday, and this fee will be paid by you. ”

Chen Geng frowned, this guy was playing tricks with himself, but after hesitating for a while, Chen Geng still decided to agree: "OK, no problem, you and I go to the landlord to do the sublease procedures of the property." ”

"OK, that's it," Bieber was overjoyed, he didn't expect Chen Geng to agree so happily, and he couldn't help but regret it for a while: it seems that Fernandez, a fool, really wants to get his own company, if he puts forward some slightly excessive conditions, is it okay......

But who is Chen Geng? To put it mildly, Bieber pouted his buttocks, Chen Geng could guess what kind of fart he was going to fart, and before Bieber planned to ask for the price, Chen Geng said honestly and unceremoniously: "I agreed to this condition, but Mr. Bieber, I hope you can stop in moderation, and please remember one thing, those cars entrusted for sale in the company belong to me from the moment we sign the contract." ”

Facing Chen Geng, who suddenly became stronger, Bieber, who was poor and short-sighted, gritted his teeth, and still didn't dare to say anything after all: "OK!

With the money from Chen Geng, he can not only repay the loan he owes to the bank, but also have more than $3,000 left in his hand, which is enough for him to find a good job in car sales...... Anyway, I used to do car sales.

Looking at Bieber, Chen Geng smiled: "Now." ”

"Now?" Bieber almost bit his tongue, "Are you sure?"

This bastard, he said he could give himself $10,000 right now?

What are you kidding? That's $10,000!

$10,000 in 1978 is a lot of money, and to use a misapt analogy, the purchasing power is no worse than the purchasing power of $300,000 in 2017, which is a lot of money for an average American.

Chen Geng didn't speak, turned around and went into his bedroom, and waved a stack of green dollar bills at Bieber: "As long as you sign the company transfer agreement, this money will be given to you immediately." ”

Then there is nothing to say, Bieber greedily looked at the stack of green dollars in Chen Geng's hand, and couldn't help swallowing: "Fernandez, give me $11,000, everything in the company is yours, and I only take my car when I leave." ”

If you can sell your desks, filing cabinets, and other things for $1,000, it seems like a good business.

But Chen Geng is not stupid, how much are the things that really belong to Bieber in Bieber's company worth, he doesn't know?

This idiot is going to sell his second-hand office furniture at a discount of $1,000 to buy it on the second-hand market, and it will only cost him $700 at most, and if he sells it to a collector of second-hand furniture, he can sell it for $300, even if he is lucky against the sky.

"Up to $10500. Chen Geng didn't give face to his boss at all.

Seeing that Bieber was still talking, Chen Geng said honestly and unceremoniously: "Mr. Bieber, we all know very well that even if you earn $500, it is impossible for anyone to give you a price of $500 except me." ”

Unable to get more money from Chen Geng, Bieber sighed, but he was not disappointed, it was better than selling to those second-hand office furniture buyers, right? ”