Probably realizing that he was a little out of shape, Shen Fang quickly returned to normal, and said to Mo Xiaobai: "Mr. Mo, according to my estimates, the original price of your car is more than 1.5 million, and it has been less than a month since you bought it, and after depreciation, you can mortgage about 1 million according to 80% of the market price." Pen & Fun & Pavilion www.biquge.info"

Shen Fang picked up Xiaobai's real estate certificate again: "Mr. Shen, your house in your name, because it is in the old city center, the valuation is not bad, but the construction area is only more than 70 square meters, according to my estimates, the market value should be about 1.6 million, and you can probably mortgage about 1.2 million." ”

Shen Fang put the two documents together again and said, "Your car and real estate are together, and there is no problem at all with a total mortgage of 2 million." However, the car is a little more troublesome, and you need to go to the DMV to go through the mortgage procedures. ”

It sounded a bit complicated, and Xiaobai didn't really need a loan, so he said impatiently: "I don't want to bother, I want to get the funds immediately, can you do it here?"

Shen Fang said a little embarrassed: "Mr. Mo, if your property has no mortgage and no other mortgage, it is not a big problem, but the car really needs to go to the vehicle management office to pledge it." ”

"Then my car is not mortgaged, only the property. Tell me, how much can I borrow for this house?"

Shen Fang thought for a while and replied: "In this way, I'll help you check the pledge of this house and your credit questions first, and then I'll give you an answer." ”

With such a secret information, Shen Fang can check it here? Xiaobai felt that this was a bit unbelievable.

In fact, Shen Fang did it.

I saw Shen put it on the computer and logged in to a set of government office systems, and easily found out the pledge of Xiaobai's house, and then he checked Xiaobai's personal credit problem.

Mo Xiaobai was a little puzzled.

Isn't that a government-specific office system? Why can Shen Fang use it?

It must have been someone in the government who leaked their account numbers and passwords to Shen Fang! It seems that this kind of private credit company is indeed inextricably linked with certain government employees.

"Mr. Mo, there is no problem with the pledge of your house, as well as your personal credit information. According to our normal procedures, in principle, we need to send an appraiser to do a professional value appraisal before we can determine the specific pledge amount. ”

"But if Mr. Mo is more anxious, if you only borrow 1 million, I can personally save the door-to-door assessment. What does Mr. Mo think?"

Xiaobai originally just wanted to experience the entire loan process, and there were no specific requirements for the amount itself, so he said happily: "Okay, then 1 million, how much is the interest?"

Xiaobai thought to himself: This procedure is indeed simplified enough, much simpler than the bank's loan procedure, but I don't know how the interest is.

The most critical thing finally came, and Shen Fang began to talk about the specific conditions: "Mr. Mo, there are two different loan models of monthly interest payment and principal and interest payment at maturity, which one do you choose?"

"What's the difference?" asked Xiaobai.

"If you pay interest monthly, the interest rate will be 5 cents per month, and if you pay the principal and interest at maturity, the interest will be 10 cents. ”

Mo Xiaobai was taken aback.

In the case of collateral, the interest rate is still so high, which shows that this is indeed usury.

"Aren't you advertising on the Internet that the interest rate is only one and a half cents, why is it so high now?" asked Xiaobai in embarrassment.

Shen Fang was still very patient, and he gave a reason: "Mr. Mo, you want to be in such a hurry, and you haven't gone through the proper pledge procedures, so the interest must not be low." ”

After a pause, Shen Fang said again: "To be honest, there are so many small and medium-sized enterprises that need funds now, if it weren't for my good personal credit, I wouldn't dare to give you this loan." ”

After all, Shen Fang actually put on a posture that you love to lend or not, no matter how Xiaobai negotiated, he insisted on this condition and refused to give in.

In desperation, Xiaobai had no choice but to compromise, he said: "Then I choose to pay interest on a monthly basis." The kind of interest rate that pays principal and interest at maturity is simply too high. ”

Hearing this, a smile appeared on Shen Fang's face again.

He added: "Mr. Namo, you need to mortgage the real estate deed with us and sign some necessary documents. ”

After finishing speaking, Shen Fang took out a complete set of contract materials from the drawer and handed it to Xiaobai, signaling him to fill it out first.

Xiaobai took it and looked at it patiently.

I can't see it, I was so surprised that I couldn't speak when I saw Xiaobai.

There are more than one or two places that surprised Xiaobai.

"Why are there two agreements, one for one and a half for interest, and the other for five cents?"

After being surprised, Mo Xiaobai began to raise his doubts one by one.

"The one-fifty portion is on the façade and is meant to cope with government scrutiny. As for the five-point share, it is what we actually fulfill. ”

"This is the legendary head-cutting loan?" Mo Xiaobai mocked.

The so-called cut loan refers to the execution of two sets of real and false contracts by private credit, and the fake one is a relatively low interest rate set in accordance with the relevant regulations of the government to cope with the government's review. And the real part is the real execution.

Compared with the real one, the interest stipulated in the fake contract has been cut by a large margin, so it is called a chopped loan.

Shen Fang smiled and said nothing.

"Why is there only one contract that is actually executed?" Mo Xiaobai continued to ask.

"Mr. Mo, I'm sorry, this contract can't be passed on, so you can't keep this contract if you only sign one copy and keep it on file with us!"

Mo Xiaobai was speechless again.

It is no wonder that once this kind of private usury goes wrong, the victim rarely sues the court, because he does not have definite evidence in his hand, and he cannot sue the contract illegally.

This is indeed quite clever!

However, Xiaobai just wanted to familiarize himself and the people in the live broadcast room with this process, so he didn't bother to argue with Shen Fang, but continued to ask the following questions.

"Why do you want me to sign the resale contract of this property in advance, so that I am not very risky, what if you sell my house?"

It turned out that in this whole set of procedures, there was a blank real estate resale agreement, which needed to be signed by Xiaobai in advance.

The risk is indeed very large.

Xiaobai's real estate certificate is pressed in the other party's hand, and if such a contract is signed again, if something goes wrong, the other party only needs to fill in the name of a buyer on the blank contract, and the house does not belong to Xiaobai.

Shen Fang's explanation was very simple: "Mr. Mo, we are doing this to avoid risks, in case you can't pay back, we will have to sell your house!"

That's straightforward enough!