There are more and more options for mortgage products, but it is more troublesome for people to buy cars. After choosing a car, you have to choose insurance, choose full payment or mortgage, and choose which company you want to use if you have a mortgage.

Xing Yu slowly found that the sales process in the car shop is becoming more and more procrastinating, and it is becoming more and more difficult for customers to gain trust.

At this time, all kinds of troubles are also increasing.

Little people don't lack wisdom, it's just that sometimes this wisdom is not used in good places.

Twenty or thirty years ago, the chili peppers produced in Qinzhong became popular all over the country and exported to the world. The price is very high, a pound of dried chili peppers, more than three yuan.

At that time, the salary was very low, and the house was only one or two hundred yuan per square meter. The price is high, and some of them use their brains to save more money quickly. The spicy noodles are mixed with red brick powder, the spicy corners are filled with foreign bodies, and the dried spicy olives are soaked with water......

In a year or two, the customer and foreign businessmen will be pitted, the pit will be miserable, and the pit will be gone.

No one came to buy.

As a result, a pound of chili peppers costs three or four cents, and no one wants it.

Those people, howling and crying, went around telling their misery.

After a few years, apples in Qin Province began to sell well.

Luochuan, Liquan, Baishui......

Red Fuji, Marshal Huang, Red Five-Star ......

Countless apples are sold all over the country.

One acre of land, thousands of income.

Every family wants to grow apples and sell apples.

In addition to the reasons for excess, some people are starting to use their brains again: to get the most out of the minimum investment.

Packed in boxes, shoddy, big on the top and small at the bottom even rotten. Fill the edge layer of the box with cement to add weight, and put a brick under the apples......

In a year or two, Apple's price has risen all the way from being in short supply to being uncared for, and no one can find customers for a penny or a pound.

Countless people, looking at the mountains of apples, wept and wept angrily, and poured out the apples and cut down the apple trees. In the year of the difference, I sold the apples for eight cents a pound and got less than a thousand yuan.

I had to cut down all the apple trees.

When I go home for the New Year, I burn the kang and cook, all of which are apple branches.

Seeing this piece of fat, everyone wanted to take a bite, and the mortgage products were more than chili peppers and apples for a while.

There are those who make products well, and there are many people who make black money. Here, shoddy and fake are more complicated than chili apples.

Not only are the products adulterated, but even the customers are fake.

In the past few days, many mortgage companies have begun to release news, a certain place in China, a certain village, as long as the place of household registration is here, all financial companies will not issue mortgages.

Xing Yu, who began to receive the news, didn't completely care about this, there were more people who refused loans, this is just a village, the gang of people who speculated in houses before, and the entire county household registration is on the financial gray list. What's more, the first city in China to provide free medical care has also been included in the financial grey list because of various problems.

Soon Xing Yu received a call from Xue Guodong again: "Xiao Xing, where do you have a group of people with special accents to buy a car? Be careful, these people are not safe." ”

Xue Guodong's car dealership is next to the big market.

There are several car sales and sales gathering places in Qincheng, and Xue Guodong Automobile Dealership is undoubtedly the largest one in Qincheng.

When Xing Yu opened a store before, Xue Guodong also persuaded many times that the gathering place has the benefits of a gathering place, the information is more well-informed, and there are more customers, resources, and maybe the customers who were going to buy bicycles can finally buy a trolley back.

But Xing Yu also has his own ideas, there are too many choices of gathering places, it is not so easy to retain customers, instead of competing with everyone, it is better to hide in the corner and make a fortune quietly.

Besides, there is Xue Guodong in the market, and if there is any inside information, he will notify himself at any time. Customers don't worry, information doesn't worry, Xing Yu really can't think of any reason to put Weixiong's cheap exhibition hall and choose a more expensive exhibition hall in the market.

Xing Yu also got the news of this loan fraud for the first time.

I thought that this time, only those financial companies were pitted, after all, the earliest excuse for this group of people was to buy a car in installments.

The person who comes to buy a car will not be alone, they are all in groups of three or five, and the strange thing is that the person who needs to settle down will only sit awkwardly on the side and ask all the questions, and the people who accompany them will answer them.

This fraudulent loan has become a corporatized operation, and even has its own dedicated chain.

First of all, some people specially spread in various media that "you don't have to pay back the loan to buy a car, and you can make money while lying down." Recruit those who are short of money and idle people everywhere.

With these people who are willing to go back to their accounts and are willing to be financial black accounts, the company will also have special people to do training.

Awesome will conduct all-round training from dressing up to taking out loans and car purchases.

At the same time, a series of loan information such as false statements, work units, income certificates, real estate certificates, etc. are provided.

When these are ready, I take those people to the store to buy a car.

There are special people who advance down payments, insurance money, and various handling fees, not to mention car dealers, and those professionals who have been in the financial business for many years cannot distinguish whether these people are real or fake.

The purchase intention is definitely 100%, and the willingness to repay is also 100%. Even the reasons for buying a car make it impossible for you to refute.

The audit is over, and the advance is over. When the car dealer received the payment, this group of people began to urge endlessly, eager to pick up the car and leave in a second.

As soon as the vehicle arrives at the dealership, it will sign a transfer agreement with the "owner" and take over the new car.

The vehicle is then immediately sent out of town and depreciated at a very low price to those who play with the mortgage. The people are gone, the cars are gone, and it is difficult for financial companies to get them back.

In addition, there is a time lag in credit records, and these so-called car owners will apply for multiple vehicles at the same time......

Xing Yu's first reaction when he heard the news was to tell Zhang Fengyang first, this little brother of his own, has been following him for many years, although the last time the financial company used his own store to promote himself, Xing Yu felt a little embarrassed, and it was better for him to deal with this kind of group fraud as soon as possible.

After connecting the phone, Zhang Fengyang couldn't help laughing: "Brother Xing, you've been thinking about your car lately." We have spread this matter here for a long time, and now I have a lot of photos of those people, and I will send them to you in a while, your enjoyment car, do you have to do it yourself? If you do, you must also join our alliance as soon as possible, and if there is such a thing in the future, we will solve him as soon as possible. ”

Zhang Fengyang's chatterbox opened and told a lot of fresh stories.

There are too many people who do this, and there are all kinds of means.

There are individual car owners who first do the mortgage business of mortgage procedures on one platform for their vehicles, and then do the vehicle pledge business on another platform, or sell them directly, and then play with the person and the car disappear at the same time, and can no longer be found......

There are various documents such as forging the business license of the automobile sales company, setting up a false automobile sales company, and then making a sales contract and a down payment certificate, and directly asking for the balance payment from the financial company.

Because now the threshold for financial mortgage franchise is not high, in order to seize market share, those financial companies are eager to join as many SPs as possible, but they also have to consider the risk after seizing the market.

Paying a security deposit and assuming the risk of default has also recently been introduced.

Even so, there are still people who take risks for the sake of profit, don't you want me to pay a deposit of 100,000 yuan? I will pay for the broken things, but you have to give me enough review power.

This side pays the deposit, and the other side quickly cooperates with the scammer group and uses various excuses to cash out.

When the head office found out, the cooperative store here had already been empty......

It's still the story of Spicy and Apple, everyone has their own ideas for profit, customers, channels, companies, and all aspects have their own abacus.

The method is simple, the profit is high, the copy is simple, and some victims, after being fooled two or three times, learn to operate themselves. There was even innovation.

Aren't you packing me to buy a car? It's too pediatric, although I don't have a car, but I have a house at home, although the house is very broken, it may have been destroyed by the earthquake and mudslide, and it has even been demolished.

But I have the relevant information of this house, and this set of information can be used as a mortgage to take out a loan in the name of doing business.

Before you trained me on the words of buying a car with a mortgage, I didn't even need to change it, I could use it directly.

With this "commercial money" to package myself again, I will wear a sweatshirt, big pants, flip-flops, but I drive a full-length Mercedes-Benz E, are you convinced?

Does someone who drives a luxury car have to be a good person?

In some platforms, those who drive luxury cars, the property ownership certificate of the luxury car is their reassurance.

Then use the car as collateral, with the foundation of the mortgage of the previous house, at this time their appetite is greater, and their confidence is more sufficient.........

After hanging up Zhang Fengyang's phone, Xing Yu called Wei Xiao and looked at the contracts of several companies he cooperated with over and over again, for fear that there was something hidden in it that would affect his grudge.

When cooperating, although they are all blameless and do not need to be exhausted, who knows if there will be hidden clauses in the contract, although I have not met those people yet, what if I meet them that day?

Wei Xiao felt that Xing Yu was a little worried, do his own things well, sell his car well, don't think about those crooked ways, there will be no such trouble.

But Xing Yu is still a little worried, now it is a pit finance, maybe there will be a pit car dealer in a while, these people have already tasted the sweetness of fraud, there is no perfect product, there is no perfect model, there will always be some loopholes that are found and exploited, and I do this to be prepared.

As expected, Xing Yu soon discovered something unusual during a tour of the exhibition hall......