"Hiss-"

When climbing the stairs, Guan Qiu couldn't help but grin for a while.

He forgot that this body was not the body of a hundred battles in his previous life, the kick an hour ago was kicked, and he accidentally pulled the tendons, and now he felt faint soreness when he took a step.

Sure enough, pretending to be forced has a price!

But when he thought of the expressions on those people's faces, he wanted to laugh. The bluff, coupled with the ruthlessness, suppressed them all at once, otherwise who would be unlucky!

This trick is also a common method of group fighting in previous lives. But just deal with the ordinary little thief, and the real social people don't eat him.

Of course, society is constantly moving forward, and compared to fists, another weapon is the ultimate nirvana - Grandpa Mao.

In the future, even those black clubs began to learn the core values of socialism, and put the 24-character mantra on their lips: prosperity, democracy, civilization, harmony, freedom, equality, justice, rule of law, patriotism, dedication, integrity, and friendliness!

Ahem –

However, the body still has to exercise when I go back, mainly to reason with the pen.

……

Finally, climbed to the fourth floor.

Guan Qiu rubbed the sore tendon in the knee of his right leg with his hand, and stepped forward to knock on the door.

Now the network is not developed, and the real estate agents are not everywhere, they are all posted on the bulletin board at the entrance of the community to rent, and the house viewing should also be decided according to the commuting time of the owner.

But fortunately, today is Saturday, and the owner happens to be at home.

The door opened, and it was a young man in his 30s, dressed in loungewear.

After explaining his intentions, the young man led Guan Qiu to look in the house, and introduced it by the way, "You see, I also rent the house, and at present, in addition to me and my girlfriend, there are two girls who work." ”

The house is very large, 140 square meters, four bedrooms, one living room, one kitchen and one bathroom, sitting north and facing south. The room has Simmons, air conditioning, 14-inch color TV, etc., in 03 years, the condition is very good.

"You can choose a side bedroom, the rent is 160 a month, or you can choose a large room in the north, 200 a month;

Guan Qiu was very satisfied, "Okay, I want that big room." ”

Seeing that the negotiation was settled, the expression on the young man's face softened, and they exchanged names.

The young man's surname is Chen, his name is Chen Dao, and he is a small supervisor in a nearby trading company.

After a few words, it was formalized.

There is no formatted rental agreement, but Chen Dao handwrote a receipt to Guan Qiu, and the house is officially rented. Swap one and press one.

…………

Money comes fast and goes faster. Eating, buying a mobile phone, staying in a hotel, buying clothes, buying a motorcycle, renting a house, the money that just arrived last night, and there is still 1500 left in the day.

But Guan Qiu didn't feel distressed. All this money must be spent, and the next most important thing is to find a way to find start-up capital and earn the first pot of gold in your life.

The fat man cleaned up his things in the room, Guan Qiu went to the stationery store to buy a map of Lu City, and then sat in the shade of the tree at the entrance of the community, holding a ballpoint pen to sketch.

After studying it for a long time, I sat there and thought about it again.

In fact, if it's just for an Internet café license, he still has a way, and if he can't do it, he will tell his mother that he believes he can convince her.

However, his ambition is not just one license, but ten, and he is optimistic that he will make at least 3 million net profits after getting rid of them all. With hundreds of thousands of start-up capital, I can't make up all the money if I sell my home.

"If you really can't do it......"

Guan Qiu frowned and groaned for a moment, and drove out of the community on a motorcycle.

The residential area he rented is on Haichuan Road to the west of the city government, separated by two large roads, in the shape of "Feng". The top horizontal is Longjiang Road, the municipal government is in the middle, and the bottom horizontal is Jianghai Road, the first main road in Lucheng.

It's on the edge of the city center, but it's still bustling and lively, with a lot of shops around, and the electronics factory on Longjiang Road behind the city hall, which injects infinite vitality into this area.

Guan Qiu drove west along the old road of Haichuan Road, and soon saw a small financial agency company on the side of the road.

Guan Qiu set up the motorcycle at the door, and then took the trouble to lock the car. Although it is useless in front of the car thieves in Lucheng, it is more difficult for them to steal cars than to buy an extra insurance for the motorcycle.

After all, it takes time to pick a lock.

Push open the tempered glass door with "Air Conditioning Open" written on it, and a cool breeze will greet you. Guan Qiu looked at it, although this financial agency company is small, it has all kinds of organs, and it is the same as a regular company, and there is also a lattice office room, and three or four young people in white shirts are busy talking on the phone in front of the big-ass computer.

Seeing Guan Qiu come in, one of the chubby young men stood up with the phone and asked, "Hello sir, is there anything wrong?"

"I want to borrow money. ”

"Oh~" The little fat man immediately smiled all over his face, walked around from the cubicle, and led him to the "customer room" in the middle to sit down, and there was a 40-year-old mustachioed man sitting behind the senior chair.

The little fat man helped to introduce: "This is our deputy general manager Le Liang......"

After some pleasantries, the mustache ...... No, it was the deputy manager of Le Liangle, who did not have any contempt because of Guan Qiu's age, and said politely: "I don't know how much Mr. Guan wants to borrow, whether he has collateral, and the loan time is ......."

Guan Qiu took the disposable cup brought by the little fat man, put it down and said, "Manager Le tell me first, how much is the handling fee on your side?"

"The handling fee is the market price, and a certain percentage is charged according to the loan amount. For example, 100,000, the market price is 30 points, 500,000 is 20 points, and 1 million is 15 points. ”

"What about the loan time, what is the difference between one year and half a year?"

"It makes no difference. Generally, it is calculated on a one-year basis. ”

"You mean, even if I ask for half a year, I still charge according to the procedures for one year?"

"Yes. ”

Guan Qiu probably knew it in his heart.

In his previous life, except for a house loan, he had never borrowed money from any financial institution, including those Huabei, installment loans or anything. I just feel that I owe people money and feel uncomfortable.

I really can't help it today. Policies are changing rapidly, and if he arrives as a butterfly and the leader above temporarily pats his head, he can only stare dryly when he is reborn.

However, there is no one who started out with loans......

"The interest at the bank is right?"

Manager Le smiled and nodded, "That's for sure." ”

Guan Qiu thought for a while and asked, "If I take out a loan of 1 million and have no collateral, do you have any way?"

"Hiss, what's this......" Manager Le stroked the mustache on his lips, thought for a moment and said: "It's a little difficult to have no collateral, and we can still think of a way to do it below 100,000." By the way, I would like to take the liberty of asking, what kind of business is Mr. Guan going to take out a loan?"

"Open an Internet café. ”

"Open an Internet café? Now open an Internet café, you can't have so much money, right?"

"Yes. But I'm not opening one, I'm going to open more than three. ”

"That's ......" Manager Le frowned and pondered, and then said for a long time: "Mr. Guan, because your loan amount is relatively large, if you don't have any collateral, it will be too difficult for us to operate, and you will definitely not be able to accept the cost." So ......"

Guan Qiu understood, but he couldn't do it.

He was unwilling to ask: "What about 500,000?"

"Hehe~"

"300,000?"

Manager Le didn't wait for him to continue to ask, and said, "We can only help you borrow less than 100,000 yuan." ”

100,000, 30 points, that is to say, only 70,000 in hand, this money is enough to open an Internet café. What's more, the bank still needs interest. If that's the case, why did he bother with a loan company?

"There's no way around it?"

"There is no way. Unless you have collateral, then we can find a relationship to help you increase the appraisal price, and then we can help you make a prospective revolving loan. ”

Manager Le's words were so simple, how could Guan Qiu not understand? asked, "What does Manager Le mean...... As long as you have collateral?"

"Yes. ”

"Is it okay to have a small Internet café?"

"How old?"

"No more than 40 computers. ”

Manager Le said to himself, "Hmm. A computer is calculated at the market price of 8,000, 40 is 320,000, plus the site labor and other equipment, 500,000 is no problem. ”

Guan Qiu: "......"