After eating and taking a bath, exhaustion came up, Wang Yan was tired, hot and hungry, and stuck out his tongue.

It's not easy to toss around in the summer.

If only there was a car, with the air conditioner blowing a small breeze, and doing things comfortably, why bother to suffer so much.

Well, when you have saved enough money, you must go and pick up a car!

It seems that the Audi A4L is good, the appearance is fashionable, the price is enough grade, and it must be very stylish when it is opened on a university campus!

In fact, Wang Yan has never seen any luxury cars at all, and the cub born in the urban village was a rural baby before the demolition.

Even if you are lucky enough to really demolish it, Dingtian is also a nouveau riche.

Among the models that drove to the gate of the campus to pick up their children from school, Wang Yan admired the A4L the most, and it was determined that it was a good car purely based on its appearance.

YY drove the A4L for a while, and Wang Yan gradually fell asleep.

Yesterday he lay down early but couldn't fall asleep after tossing and turning, and today he got up early in the morning and tossed all morning, he was really tired.

In the dream, the sky is intertwined with light into a palace, the palace is like a cloud, holding delicacies and wines to serve the throne, the main hall is crowded with entrenchment merchants from all over the world, waving all kinds of novelties, trying to win the king's smile.

Ma Yun: "King, please look at the treasure I found!"

Ma Huateng: "King, do you want to have a shot?"

Musk: "Only my big rocket deserves to be fired by the king!"

Gates: "Take your rocket!" Microsoft's state is the most enjoyable, too hard will hurt!"

Pinru: "King, wear our clothes, no matter how hard you are, you are not afraid!"

......

Waking up from a chaotic dream, Wang Yan was stunned to find that his pants actually propped up a tent.

What do you mean, bro?

It's not enough to protest every morning, now is it time to prepare for an uprising?!

Can you endure it any longer?

There is no one on the shooting list, and the empty gun is not in line with the identity of Shenhao!

It's good to talk about pacifying the righteous army, and the eldest brother who handled the certificate called.

"Okay, I'll be right over!"

......

Two very simple things, I received 300 yuan from Wang Yan.

Take the radish stamp and press it on the discarded document of the Education Bureau, the two seals are basically the same, and the craftsmanship is quite good.

Very good, worth it!

As for the payment slip, Wang Yan made 30 in one go, and it's hard to say whether he can use them up, so he will try his best anyway.

Go home directly, print 30 blank income certificates in a fixed format at the village entrance copy office, fill them in one by one, and then stamp them.

After putting away the things, Wang Yan took a careful inventory and basically finished it.

ID card t√

Bank card t √

The work unit is √

Proof of income √

Office landline T √

Housing charge bill t √

The mobile phone number t√ has been used for more than half a year

Important contact t√

The only difference is the same: personal credit report.

Wang Yan used his new mobile phone number to log in to the Credit Information Center of the People's Bank of China, registered as Liu Dapeng, inquired about personal credit information, and saved the pdf.

Grab a full set of guys, be majestic, and head straight to Financial Street.

Now that I haven't rented a house, I definitely can't go to Huhai, Wang Yan walked into the first store on the right side of the road very casually.

The first floor of the company, Changfu, was not even renovated, and the few empty rooms and waiting areas that separated it were empty, except for a lone information desk in front of the stairs.

Wang Yan said, "I want a loan", and the front desk quickly called down a salesman.

There was a trot of high heels knocking on the ground, and down was a young girl, who looked even more immature than Wang Yan, who deliberately did not shave.

Wang Yan's skin is not very good, dark and rough, coupled with embarrassing stubble, it looks like she is in her early 20s, so the girl came up and said "big brother".

Wang Yan couldn't help but smile and went upstairs with her.

Say hello in the staircase and check if you need to go home.

The girl replied, "As long as you don't get a mortgage or provide a purchase contract, you don't need to come to your home to verify the situation." ”

That's good, start filling out the form.

When doing the fill-in-the-blank question, the girl encouraged vigorously: "Big brother, you can directly apply for a credit loan of 80,000 yuan, and with your institution and 7,000 monthly salary, even if it is discounted, you will be approved for 60,000 yuan." ”

Wang Yan insisted on only applying for 40,000 yuan.

It's not that I don't want to get more money, but I have the big picture in mind.

According to Brother Xizi, the microfinance company has a very important division - more than 50,000 yuan and less than 50,000 yuan.

Once the application exceeds 50,000 yuan, not only will the review be more detailed, but also the probability of being killed is as high as 50%, and the higher the application amount, the more difficult it is to approve it.

Apply for 40,000 yuan, in the case of not bad credit, the probability of passing directly is 90%.

Go to 20 small loan companies to make 20 loans, apply for 50,000 yuan each time, pass the review probability of 50%, and finally get 500,000 yuan.

Each application is 40,000 yuan, with a 90% probability of passing the review, and finally 720,000 yuan.

How big is the gap?

And more importantly, the degree of post-loan importance is not the same for both.

Especially when collecting, more than 50,000 is a must, the sequence is extremely high, and it has been hanging in the important supervision library if it cannot be urged.

Below 50,000 is selective collection, and the ranking is relatively low.

And, veteran drivers have a way to continue to lower the order of collection-

Take out a two-year loan for a total of 24 months.

Wait for the money to come down and repay the loan on time for 4 months.

At this time, more than 10,000 yuan has been repaid, and the collection ranking is basically reduced to the minimum, and it doesn't matter if you don't give a penny after that.

Every company has a lot of bad debts, and they will not be able to collect them in the next life.

When the microfinance company packages and sells the bad debts, it is more appropriate, and the recipient can not recognize the interest and service fees of the microcredit company, and only count the actual loan principal, which is basically a one-fold purchase.

For debts below 50,000 yuan, the cost of receiving them is less than 5,000, and they don't bother to take care of it.

Soon, that debt will disappear into the vast river of finance.

On the contrary, customers who default in the first month will have a very high status in the collection sequence and will be chased and bitten.

Wang Yan's plan is to pay back the money for 4 months, and then throw away the mobile phone card and bank card, bye-bye.

The total amount of principal and interest owed was donated to the orphanage, and not a single cent was left to the microfinance company.

After reading a few news articles related to campus loans, he was quite unaccustomed to the bloodsucking companies bred by these deformed societies, and he would not feel guilty at all about relying on their accounts.

The reason why I have to pay back 4 months is that I don't want to bring even a little trouble to Brother Dapeng, everything is fake, only the ID number is real, it's quite helpless to think about it.

Therefore, when it can be made public, Wang Yan will prepare another 1 million for Brother Dapeng, which should be enough to support a stall of trading, which can be regarded as a small compensation.

......

Next, continue to fill out the form for a period of 24 months, and the purpose is to renovate......

It's all the details, and it's very smooth.

Then take the girl and the marketing manager to the Education Bureau to verify the unit.

July is the time when the education mouth is on vacation, and Aunt Wang Yan is in contact with the new school uniforms of various schools before she is in the unit, and there is not even a ghost in other offices.

Seeing Wang Yan open the office door with the key, the manager smiled and said: "Sir, please rest assured, we will upload the application tonight, if it goes well, we will call back tomorrow morning, and we can sign the contract and get the money in the afternoon." ”

The two parties waved goodbye, Wang Yan was in a hurry, and ran away 7 more.

There are 4 families who don't even bother to go to the unit, and one of the remaining 3 families needs to inspect the house, which has not been completed for the time being.

At this time, it was the golden age of the most popular business of microfinance offline stores, and the little Wang Yan was like a drop of water in the sea, so small and unnoticeable.

When he was tired and fell asleep at night, Wang Yan even thought: If I continue like this, how many homes can I do?

50?

100?

Every day new companies open and old companies go out of business, what a savage and vibrant industry......

A good night's sleep.

When he got up the next day, Wang Yan changed his clothes, buttoned up his cap, and went out with the donkey brand briefcase he bought at the night market last night.

Continue to make small loans.

When filling out the list, Wang Yan saw a trace of undisguised ridicule in the eyes of a salesman, probably because the donkey bag was too fake?

Wang Yan not only did not get angry, but thought with a bad taste: When your family's money comes down, I will buy a real product and say thank you in advance!

In the morning, verification calls began to come in one after another, starting with 010, 021 or something.

Changfu's risk control asked a special question: "Sir, why is your office phone unanswered?"

Wang Yan replied calmly: "The bureau is on summer vacation, and of course my colleagues are not there." If you need it, I can go back in the afternoon and respond to you by office phone. ”

The customer service didn't say anything and said goodbye politely.

In the afternoon, Wang Yan was leading a manager to verify the office space, and the salesman of Changfu Company suddenly called, and his tone was very excited.

"Sir, your loan has been approved and you can sign the contract!"

Wang Yan quietly sent the manager away, then took a car alone and hurried to Financial Street.

The signing process was very simple, and 10 minutes later, Wang Yan came to the CCB ATM and silently entered the password.

Balance: $40000.00!

The first small loan was successfully obtained!