"Brother, you're taking advantage of the fire to rob. Pen @ fun @ pavilion wWw. ｂｉｑUｇE。 info "Shen Daqing's face was wrinkled like a bitter melon.

"Robbing while it's hot? Are you embarrassed to say about me? Chen Geng's eyes widened, and he only slapped the table angrily: "Old Shen, let me ask you, can I use the money you are going to 'lend' to me this time?" Is it really a 10-year loan term? ”

Shen Daqing's face suddenly felt a little embarrassed: "Uh...... This ......"

Runhua Industry is only a "transfer station" for this fund, just a means of exchanging interests with Guangdong Province, and when the two sides reach an agreement, the task of "transfer station" of Runhua Industry will be completed -- as for how much money will be lent to Runhua Industry in the future, that will be a matter for the future.

"Hehe......" Looking at Shen Daqing with an embarrassed face, Chen Geng sneered twice: "You guys have a good calculation, but I have to say, Old Shen, you are so calculating brother and me, isn't it a little unkind?" ”

Shen Daqing, who was already extremely embarrassed, became more and more embarrassed, and hurriedly waved his hand and said, "Don't say that, brother......"

"And what do you want me to say?" Chen Geng asked rhetorically.

He understands very well that when it is time to fight for the benefits for himself, he has to fight hard for the benefits for himself, you don't want it, others will not only not give it, but will secretly laugh at you for being stupid X, there is a chance to send it to the door to ask for benefits, and I don't know how to grasp it, on the contrary, if you want it, not only does no one think there is anything wrong, maybe there are people who will breathe a sigh of relief that your consciousness is not so high.

"I won't say anything else," Chen Geng said: "I don't know what you plan to do, and I don't care what you plan to do, if you want me to help with this, you can, no problem, just promise us to engage in the business of financial mortgage loans." ”

Chen Geng said this, and Shen Daqing finally bowed his head: "I can't be the master of this...... In this way, I will report your meaning to the leader and see what the leader says. ”

And sure enough, it was!

Chen Geng, who was still a little bottomless in his heart, finally had a score in his heart now, and he nodded with a smile: "I'm waiting for your good news." ”

……………………

Old man Xie also attaches great importance to the matter of motor vehicle financial loans, and as soon as there is news here, Chen Geng hurriedly informed Old Man Xie of the news.

Knowing what was going on, Old Man Xie was very excited: "So it's really possible for the state to approve it?" That's great! As long as the state agrees to make auto finance loans, the capacity expansion plan we made before can be officially put on the agenda...... Well, that's not right! ”

As he was talking, Old Man Xie suddenly frowned: "What was granted to us is a mortgage, which is not the same thing as a car loan at all, how can this be done?" ”

What is a Mortgage? For example, if you have a façade house worth 20,000 yuan, you can apply for a mortgage from the bank, and after the bank investigates the property rights and other ancillary circumstances of the house, it is determined that the façade house belongs to you completely, and there has been no mortgage, and the debt is very clean, at this time you can approve a loan, for insurance, usually the bank will give you 50% to 70% of the loan amount, That is to say, if you use a house worth 20,000 yuan as collateral to borrow money from the bank, you can borrow 10,000 to 14,000 yuan from the bank.

As for car loans, it is usually secured by the car itself, that is, before you pay off the corresponding arrears, the ownership of the car belongs to the financial institution that gave you the car loan, and all you have is the right to use the car, and only after you pay off all the debts, the full ownership of the car will really belong to you.

See the difference between the two? Mortgage loan is that you can take the mortgage of the house, borrow money from the bank, and use the full amount to buy a car (whether it is enough or not is another matter), although the house is temporarily mortgaged to the bank, but the entire ownership of the car is yours, but the car loan is different, if you can't repay the car loan on time, the financial institution that lends you can tow the car away at any time.

"It's really different," Chen Geng nodded with a smile: "But it's simple." ”

"Oh? How so? "Old man Xie" is as I expected! He smiled and said, "Old man, my brain is not as flexible as yours, I know you must have a way, let's say, what are you going to do?" ”

The republic's current legal loopholes in auto finance are enough for Chen Geng to find a big hole on it that allows ten trains to run side by side, and he smiled: "Actually, it's very simple, since the above doesn't approve us to engage in motor vehicle finance loans, then let's engage in mortgage car rental." ”

"Oh?"

Chen Geng: "Isn't it only allowed for us to get car loans, I think this is actually a good thing for us." ”

"Oh?" Old Man Xie asked with interest, "How do you say this?" ”

"Because this is equivalent to helping us reduce the risk in disguise," Chen Geng said, "It can allow us to avoid the situation that the loan cannot be recovered to the greatest extent." ”

"You're specific." Mr. Xie doesn't know much about finance, and it's a bit difficult to understand.

"Okay," Chen Geng nodded, and explained to the old man: "From now on, we will not call it a motor vehicle financial loan, we will call it 'rent-to-purchase'." ”

"Rent-to-buy? The kind of rent-to-buy that is very popular in capitalist countries? Thinking of the mortgage that Chen Geng just mentioned, Mr. Xie began to understand a little bit what Chen Geng really meant: although there is no rent-to-buy in China now, this kind of purchase is not uncommon and is very popular in the West. However, Old Man Xie was not very optimistic about Chen Geng's idea, he frowned, and said, "Our domestic economic environment and order can't meet the conditions of renting instead of purchasing, right?" ”

Chen Geng nodded and said: "That's right, the situation in our country is different from that of foreign countries, and we can't make a rigid copy, so I plan to make some adjustments to this kind of rent-to-purchase, just right, don't we have a mortgage, specific to the actual operation, my idea is this: all consumers who want to take out a loan to buy a car must come up with a certain value of collateral: such as real estate, such as means of production, etc., before they can apply for this rent-to-purchase, of course, the specific value we can negotiate."

This is the first step, and then the second step, after having the collateral, the consumer only needs to pay 50% of the pledge to drive the car, and then pay a certain amount of rent every month......"

"Wait a minute," Old Man Xie stopped Chen Geng, frowned, and said, "You said that they would have to pay 50% of the pledge after providing the collateral?" ”

"Of course! We do mortgages! Even if it's a rented house, there is still a saying about how much to pay for a mortgage, let alone a car?! Chen Geng said confidently: "Even if it is a Big Dipper, it will cost tens of thousands, how much is a house?" If you don't have a pledge, how many people do you think will choose to dispose of our car directly? What's more, this is just a pledge, and we don't want to pay it back! ”

"Uh......" Old Man Xie was speechless: "You go on." ”

Chen Geng said with a sly smile: "Because this is our pilot project, we only provide a 3-year lease for the time being, that is to say, the user can only choose to rent for three consecutive years, in these three years, the ownership of the car is ours, and after the expiration of the three years, the customer can choose to return the car and recover the 50% of the pledge, or you can choose to transfer the car directly to his name, but we will not pay back the pledge, which is to rent and purchase." ”

"It turns out that it's such a rent-to-buy," Old Man Xie smiled: "In other words, the rent for these three years is exactly 50% of the rent plus a certain amount of interest, right?" It's a good business, I said, how the hell did your kid's brain grow? How can you think of such a solution? ”

There is no doubt that Chen Geng's sales method of combining mortgage loans and rent-to-purchase still belongs to the category of mortgage loans, but this method can really allow those who have not been able to buy a car in full for various reasons to buy a car, to some extent, this is a disguised car loan is not an exaggeration, but if it is said that this is a rent-to-buy, no one can say anything.

The most important thing is that after the expiration of three years, the owner of the previous car rental almost 100% chose to buy the car, the reason is very simple, in this 10 years of old jeeps are running on the street in the happy era, a car that has only been used for three years can be regarded as a quasi-new car, the price can reach at least 80% of the new car, if you choose to return the car, get back the previous 50% of the pledge, it means that the owner is actually a loss - he chose to buy the car, and then sell it, You can also make a net profit of at least 30%, in which case, a fool will choose to return the car.

"How is that possible? If we only need interest, won't we lose money? Chen Geng said with a smile: "First of all, we can cooperate with insurance companies, all car owners who choose from us 'pledge loan + rent and purchase' must choose our designated insurance company, so that we can earn an insurance discount from the insurance company;

Second, choosing this method means that we need to run a lot of procedures and do a lot of verification work, should we charge some handling fees or errand fees? I think it's nice to charge a fixed number, like $2,000 or $3,000.

As for the third point, in order to ensure the interests of both parties, we must be famous in the contract, during these three years, the maintenance and repair of the car can only be carried out in our sales outlets, which is also to protect the interests of customers, because we can provide our officially recognized original spare parts and standardized services, of course, the price may be a little more expensive......"

Old Man Xie was dumbfounded when he heard it! It took a long time before he said with emotion: "! With your kid's brain, it doesn't make sense if you don't make money. ”