Jingle Bell ...... Jingle Bell ...... The alarm clock rang, Xing Yu didn't react, Wei Xiao picked up the alarm clock and woke up Xing Yu: "Fat brother, it's time to get up, didn't you go to the new company to report today?"

"Let me squint for a while, it's too early, I shouldn't have promised Yuan Lin how comfortable it is to sell my car, what time do I want to sleep, what time do I sleep. Xing Yu muttered and was reluctant to open his eyes.

"Fat brother, didn't you say that you want to support me, how can you support me if you don't make money?" Wei Xiao continued to scratch Xing Yu.

"Then you cook food at home and wait for me, I'll go and see it first, maybe I go to work." ”

I have been with Wei Xiao for more than half a year, the second-hand car market has moved, and the company has also completely transformed, and now, like other car dealers, several people cooperate to collect and sell cars together, and the working hours are uncertain, so there is no need to soak in the market every day.

A few days ago, Xing Yu received a call from Yuan Lin on the car set, saying that the car loan market here is open, is there any interest in taking charge of the car loan market here, Xing Yu refused at first, Yixin is not a small company, there must be a lot of rules and regulations, which will make Xing Yu very unaccustomed to too many constraints, and then Yuan Lin asked: "Didn't you say that you want more people to drive the car as soon as possible?" This is a good opportunity, you can also learn a lot of financial knowledge here, you know how to sell cars, and you understand finance, and it is very easy to open a car dealership by yourself in the future. ”

Xing Yu was moved when he heard this, and made an appointment to meet today to talk in detail.

Yixin Company is still quite big in Xi'an, there are two floors of office buildings full of large and small offices, Xing Yu watched the staff wearing shirts and trousers walking around, and secretly Qingxin Wei Xiao also prepared formal clothes for himself in the morning.

The office area is very large, but the corporate cooperation department is very small, and there are only four people in the entire department, including the city director.

It is the person in charge of this side who received Xing Yu - Li Wei, the two first introduced each other, and began to discuss the distribution of the Xi'an market, it seems that Li Wei has also done some investigations, but he has a limited understanding of the automobile market, speaking of this, Xing Yu has too much to say, in the past in Bangdu for the source of cars, which car dealership of all sizes has not been to?

"Actually, I have been to your company before, and I wanted to use the personal loan business to support me to sell the car, but the result was very unsatisfactory, the approval amount was not guaranteed, I sold 80,000 cars, and the loan was only a little more than 30,000, and the interest rate was also high. After Xing Yu finished talking about market issues, he put forward his own views on car loan products.

"You don't have to worry about this, our car loan business is completely different from the personal loan business, and the policies of the car loan business are much more advanced than the personal loan business...... "Li Wei said that the car is not good, but when it comes to financial business, it is also the first way.

Xing Yu didn't know for a while that there were so many products in the market, why hadn't he heard of them in the auto market?

"Those bank businesses, one by one, are too lazy to do anything, eat public meals, and would rather not do it than make mistakes. So it's normal for you not to see them in the market, we just put down our bodies and do small and micro ......" Speaking of banking business, Li Wei is also full of complaints.

Xing Yu learned that Li Wei used to work in a bank, and was squeezed out by an old employee and forced to go to the office building every day to apply for a credit card. At that time, I was still young, I could run, my performance came up, and other colleagues who didn't want to run were red again, and all kinds of filth came, and I was arrogant, so I resigned directly in a fit of anger and came to work......

The exchange is quite pleasant, and the car loan business has been launched in developed cities for more than a year, but the northwest has not yet landed, and this landing work is naturally wanted to be completed by Xing Yu.

Li Wei took out a few sheets of A4 printing materials and said, "This is our product." ”

After a long time, Xing Yu gradually understood that a financial product is a piece of paper, and the product may be like this in the morning, and it will become another model in the evening.

Looking at the information, it is full of all kinds of professional terms, what is the blacklist, what is the coefficient of 10,000 yuan...... Xing Yu is also a big head, there are too many words that I don't understand, it looks the same as the book of heaven, if you write a vehicle configuration, engine model, chassis model, Xing Yu can quickly judge which model it is, but in the face of financial things, Xing Yu is really a layman with black eyes......

Seeing Xing Yu's face with a difficult face, he stared at the material and didn't speak. Li Wei smiled, picked up a few books from his desk and said, "Why don't you have a general understanding of finance first?"

If you don't understand, just ask, don't express your own opinions in areas that you are not familiar with, it is what the Eastern Army has always warned Xing Yu.

Faced with an unfamiliar field, Xing Yu didn't have much confidence. What is a car loan product, Xing Yu hasn't understood it yet, how can he go out to do business, isn't this that he can't even use a gun on the battlefield?

After chatting for a while, Xing Yu said goodbye first, this is just a preliminary understanding, whether to come to work or not Xing Yu is not ready.

After leaving Yixin, Xing Yu went directly to various 4S stores and second-hand car dealers to inquire about the news.

"Who takes out a loan, how much is a car, people who want to buy a car are ready to pay, what if it takes a long time to process, what if you are buying another car and losing customers. ”

"If you take out a loan, you have to pay interest, and if you don't have enough money, you just need to borrow a little from a friend, so why pay interest to others. ”

"What is this bank statement? Everyone's money is not kept at home, you pay your salary, and you go to the bank to deposit it yourself. ”

"I have to prepare so many materials and go all over to collect them, so that customers are too lazy to handle them. ”

………… I asked a few car dealers, but none of them said anything good.

When he met Li Wei again the next day, Xing Yu asked these questions.

"In fact, this is caused by the consumption concept of the Chinese people, let me tell you a story: in China's real estate and banking circles, there is a story widely circulated: there are two old ladies who met, one from China and one from abroad. The old lady in China said: "I have saved money for 30 years, and finally bought a big house in my old age. The old lady abroad said: "I have lived in a big house for 30 years, and I finally paid off all the loans in my later years." They seem to say, look! There are too many old American ladies who are smart and can enjoy life and live a big house for a lifetime, while old ladies in China have lived in an old house for a lifetime or rented a house for a lifetime, and when they have saved enough money to buy a house, they will be old! The new big house they bought will not be able to live in a few years!"

Li Wei began to continue popularizing science for Xing Yu. "Buying a car in full, as the name suggests, is to pay off all the car purchase money such as car price, insurance premium, purchase tax, etc., while buying a car in installments refers to the current bank loan, pay part of the car payment, and then pay the bank a car payment every month, normally it is paid within three years.

4 Benefits of a Car Loan:

Benefit 1: Make money more valuable!

First, the neglected depreciation of the car! We all know that the depreciation rate of a new car is about 20% a year, it is conceivable that if you put 100,000 yuan of fast money to buy a car, you will only have 80,000 yuan left after a year, how can you bear to let your hard-earned money evaporate 20,000 yuan invisibly?

According to the National Bureau of Statistics, the CPI rose by 2.6% in 2012 over the previous year, and for official data, residents and businessmen prefer to believe that prices have risen by 8%-10% each year in the past two years. In other words, 100 yuan in 2014 may only be worth 90 yuan in 2015, so why not pay today's 100 yuan debt in installments with only 90 yuan worth in the future? Then let's calculate that if 100,000 yuan is invested in a new car, the actual value will only be 100,000 yuan after a year× 80% × 0.9 = 72,000. The annual loss of 28,000 yuan in new cars!

Advantage 2: The expected rate of return is higher, most of you are businessmen, and you know better than anyone else: you must rely on the strength of others to do business, with the help of other people's funds - the integration of resources is right, the annualized interest rate of car loans is between 6.5%-7% (some car owners may even feel between 3% and 4% when calculated by rate.)

Please think about whether the rate of return on your own money is much greater than the interest rate of the car loan, as a businessman, you have calculated an account, the income from doing business is more than 30%-50% or even higher, and the annualized interest rate of 6.5%-7.5% of the car loan is not a cost, if it is a car manufacturer discount, the annualized interest rate will be lower!

Advantage 3: Auto loan is the lowest cost and the most convenient way to obtain funds, because of the uncertainty of future funds, if there is a gap in funds, there are more ways to solve the problem of funds.

(1) Borrowing from a friend: As a businessman, I understand this truth and borrow money from a friend, and there are only two results: (1) He lent me money: I opened my mouth, yes, he will borrow, but even if he borrows money, he will not feel comfortable, worried about what to do if I can't pay it back, and my friend is unhappy.

(2) He doesn't lend me money: I have opened my mouth, and he will be unhappy if he doesn't lend him, and he will be embarrassed to meet.

So, no matter what the outcome, everyone is unhappy, why should I speak?

Benefit 4: Accumulate credit wealth, most people feel that no loan and no overdue are the best credit history. In fact, if you have a loan record with the bank, and it is a good lending record, this is the best credit history. For example, would you rather lend money to a friend who doesn't know if he's trustworthy, or someone who has a history of borrowing money from a bank and repays it on time?"

"Buying a car in installments can also help people establish correct consumption habits, we young people can't save money, all of them are moonshine people, buy a car in installments, have to repay the loan every month, and don't save any money, but the car has it." ”

Listening to Li Wei's professional analysis, Xing Yu felt that buying a car in installments means that you can buy a better car and enjoy the convenience and enjoyment of having a car in advance.

Xing Yu combined with the actual situation of selling cars, and immediately made up a story in his brain: "I am about to celebrate the New Year, a poor dick, a few days ago, I took the time to go to the car market, I wanted to buy a car for myself to drive, I watched Xiali, Chang'an Benben, Chery QQ, and even watched Lechi! The price is acceptable! But! The space Nima is so small, I am aggrieved when I sit in it! All kinds of depression...

At this time, a friend named Xing Yu told him that he could do installments when he bought a car!

In a blink of an eye, the poor dick has already returned to the village entrance with a BMW, and the people in the village are all kinds of onlookers, and Xiaofang, who is waiting for him in the village, happily drives the carriage and pulls the dowry, and takes his sister into the arms of the dick. ”

Hearing Xing Yu's story, Li Wei also laughed: "That's right, you already understand the meaning of staging, how to think about it? ”

"It's simple, then I'll try it?" Xing Yu replied immediately.