Huang Mian didn't remember the specific content of the couplet.

But he remembered that the landlord told him that the light button that could remind the old man to open the door was below the word "filial piety".

"I don't know if the landlord will have a little uneasy conscience when he enters the house every day and presses the word filial piety?" Huang Mian thought, and then he smiled to himself, realizing that he was stupid again.

They are their own grandchildren and have the key!

After a moment of silence, Huang Mian spoke again: "Boss, is there no way to stop it?" I think if this is the end, then the old man will be too pitiful. ”

"There are so many people suffering in the world, and there are countless people who are even more desolate and miserable than that uncle, can you manage them all?" Chen Jin asked rhetorically.

Huang Mian froze, and his face became bitter.

Chen Jin looked at him, sighed, and took out his mobile phone.

"Boss. Chen Jin said on the other end of the phone: "You can contact the company's legal department now, I estimate that you will have to go to court with this order." ”

"Huh?" Zhang Ye said in surprise, "What's the matter?"

Because Zhang Ye didn't take a serious look at the house, Chen Jin explained to him what he knew.

After listening to his explanation, Zhang Ye's heart was also clouded!

"Understood!" Zhang Ye said: "Thank you! If it weren't for you, I would have made a big mistake this time!"

"Tell me this?" Chen Jin smiled: "You don't blame me for not stopping you from signing it." ”

"If I don't sign it, who will pay the intermediary fee?" you kid, do you really think that I didn't make a list directly, and I forgot all the routines?" Zhang Ye said with some dissatisfaction.

Then the two of them laughed and hung up the phone.

Then Chen Jin looked at Huang Mian, who was still frowning and contemplative, and felt some emotion in his heart.

Because the house has been transferred to Deng Youlun, no matter what the final outcome of this matter is, the house cannot be saved, and the old man is destined to not be able to continue to live.

Chen Jin didn't let Huang Mian sign this order, naturally because he was worried that he would be burdened with this kind of tormented psychological burden, and his mentality would change badly. This is quite detrimental to his next plans.

And the reason why he sat back and watched Zhang Ye sign this order did not mean that he didn't care whether Zhang Ye would be in trouble or not.

No matter what, Zhang Ye is the leader of his business. Even if the current situation is that Zhang Ye has to rely on himself to be promoted, Chen Jin has not forgotten what happened at the beginning.

Nine percent of the skills he knows now are taught by Zhang Ye's words and deeds. He can't ignore it if it's reasonable.

Hearing what Chen Jin said on the phone, Huang Mian was puzzled: "Boss, is this house still saved?"

"The house is hopeless. Chen Jin shook his head and said: "But the interests of customers and our own interests can still be protected." This is also something that we must do in this industry. ”

Looking at Huang Mian's more confused eyes, Chen Jin asked with a smile: "Do you think that the agreement has been signed, and the customer will pay liquidated damages for breach of contract, and if you don't breach the contract, there is a risk that the landlord will run away, and you can't keep it no matter what?"

Huang Mian nodded, with his experience and understanding of real estate agents, he really couldn't think of any other way out.

Chen Jin explained: "Let me tell you this, although the 2 million owed by the landlord is formal, the contract must be irregular. ”

"Why?" asked Huang Mian.

"If nothing else, the money owed by the landlord should come from shadow banking. The so-called shadow banking means that although the loans and repayments are all taken from the bank, which seems to be formal, in fact, the funder is not the bank, but other sources of funds, that is, the loan sharks. ”

Chen Jin looked at Huang Mian with a confused expression, so he had to give him an in-depth explanation.

In fact, with the development of the economy and the rise of inflation, there is now a lot of money that has jumped out of the banking system and entered the real industry in another way.

Usury is a typical example of this! It's just that the current usury is very clever and has all become so-called "lending companies."

In a society governed by the rule of law, it is natural that the ancient means of coercion cannot be used to collect debts. Therefore, the current loan shark has evolved a rather advanced way of playing "shadow banking".

This method is only for those who own physical collateral such as real estate and vehicles. The loan shark will enter into a very formal contract with them in the name of the lending company, and the money will be transferred from the bank's system to the borrower's account.

As long as the borrower is unable to repay the loan on time, the loan shark only needs to file a complaint with the court, and the collateral will be auctioned directly by the court, and the lender's money will be returned to the lender.

This is called "using legal weapons to protect one's own legitimate rights and interests", and all the rules and regulations are within the rules, and usury has become legal.

So as long as under normal circumstances, Deng Youlun would not have encountered someone who came to force debts, and what he was waiting for was at most a seal from the court.

But Deng Youlun was not only chased by someone, but even promised that he could return his warrant without repaying the loan, so there is only one possibility in the result, and the mortgage contract between Deng Youlun and Viagra is not protected by law.

What kind of mortgage contract will be formal and unprotected?

Chen Jin estimated that it must be Viagra and the gang who knew that Deng Youlun even got his grandfather's house and wanted to make a lot of money for him, so they broke the rules and set an excessively high interest.

Although he didn't see Deng Youlun's mortgage contract, he was sure that the interest that Viagra gave Deng Youlun must have exceeded 36% annualized!

The annualized rate of 36% is the standard for the court to determine whether the loan is not usury.

As long as this standard is exceeded, then the loan is not legal. If it weren't for this, why would Viagra personally come to the door to ask for debts?

It is precisely because of this that in order to keep his income, Viagra can only agree to return the warrants to Deng Youlun if he has not repaid the loan, so that Deng Youlun can transfer the property first, and then take the cash directly.

It's just that Viagra didn't know much about the huge taxes and fees required for this house transaction, so they didn't notice that Deng Youlun was actually insolvent.

Explaining this, Chen Jin smiled at Huang Mian and said, "Understood, right? Actually, this landlord is already quite a chicken thief." Intermediary companies and lending companies, he wants to cheat them all!"

He continued: "If we deliberately ignore the fact that he is insolvent in order to earn the brokerage fee and make the transaction first, then he may even get the full amount before running away." If it hadn't happened that his creditor had come to the door today, maybe he would have succeeded!"

Huang Mian was speechless: "If that's the case, the lending company can't get the money, and it can't come to harass customers and us every day?"

"Yes. Chen Jin nodded and said, "At that point, things will be very troublesome." But as long as you see through it, you'll be fine. It is sufficient to directly ask the company's legal department to apply to the court for a judgment that the purchase agreement is invalid on the grounds of insolvency. ”

"In the end, the house will be auctioned off by the court, and then the principal and reasonable interest of the lending company will be returned, and our brokerage fees will be paid by the landlord, and even the customer may receive a part of the fraud compensation. Chen Jin said.

When Huang Mian heard this, he still sighed and said, "But that old man is still homeless!"