When it comes to falling in love, it seems that there will be a significant watershed at the age of 25 or so.

Before the age of 25, most people can still talk about a vigorous love with no tomorrow and only today with enthusiasm and love, but after the age of 25, there are fewer and fewer people who don't want to talk to each other, and it is not easy to talk well within a minute of communication with strangers.

In today's society, there are many people like Huang Jasmine who have money and no time to fall in love, and a few people like Chen Zhu, who is almost 30 years old, can still be cautiously crushed for eight years, silently accompanying without asking for anything in return.

Compared with the two older single young women, Fang Xiachu has become the one with the most emotional experience.

Huang Jasmine looked at her and complained: "Don't get married this year......"

Fang Xiachu was taken aback: "How is it possible?!" ”

Chen Zhu said silently: "It's not impossible, Qiao Shen's house has been bought." ”

Huang Jasmine snapped her fingers: "I still helped him make the loan." ”

"......" Fang Xia Chu remembered that the provident fund of the house was still made by her......

Huang Jasmine sighed: "Although Hades has a terrible personality, he is indeed a good man." ”

Fang Xiachu was as if he had been praised, his face turned red all of a sudden, Chen Zhu and Huang Jasmine showed the appearance of being numbed by flesh at the same time, Huang Jasmine stuck out her tongue in disgust, and said in disgust: "Stupid couple, you go and get married." ”

Of course, this is just talking, Fang Xiachu's most important thing now is only to turn positive, in order to be able to turn positive smoothly, this time the start is much more important than falling in love.

The three people who sacrificed their rest time to gossip had to go back to work after they didn't have to speak for long.

When Fang Xia returned to the provident fund center, she found that many other bank counters had given up their rest and insisted on making loans, and Master Zhou of the Agricultural Bank had just finished taking a loan when he saw her.

"Finished with the meeting?" Master Zhou said hello, "What is the interest rate of your bank now?" ”

Fang Xiachu was a little weak-hearted: "I haven't asked yet...... Master Zhou, what about you? ”

Master Zhou said "hey": "It's up to 10%, and your bank had better book it quickly, otherwise the business will be difficult to do next." ”

Fang Xia Chu nodded, most of the recent pure provident fund loans are from the four major banks, and the proportion of pure commercial loans from small banks is high, but there are not many provident fund loans, Chen Zhu personally came to talk about the share issue last year, and it seems that he will come a few more times this year.

A contraction of real estate, will have a great impact on the provident fund center, when idle, several banks will also talk to each other about business, and the real estate on the arrow of the bank relationship is different, the provident fund center of the bank relationship is obviously much friendlier, mainly because the big banks do not pay much attention to the provident fund, the interest rate is not high, and it is the nature of the national government department, from the point of view of making money, the bank can not get much profit from it.

Therefore, a teller like Fang Xiachu, who has been particularly active in portfolio loans from the beginning, is completely different in the eyes of the masters.

"It's even harder to do this year." Master Tao from CCB instructed the little girl who came to help sort out the contract, and complained to several other banks there, "The state is implementing provident fund loans more than ever this year, so the banks can't make money, and we're still busy." ”

Fang Xiachu didn't understand too much: "Why do you want to implement provident fund loans?" ”

Master Zhou said with a smile: "Because the interest rate is low, it is beneficial to first-time home buyers, and the state will of course implement it." ”

"That's great, why don't you support it?" Fang Xiachu thought for a while, and said, "Wouldn't it be okay to do more portfolio loans, so that you can make money from commercial loans, and you can also allow customers to enjoy the interest rate of the provident fund, wouldn't it be the best of both worlds?" ”

"So you're young and don't think much." Master Tao was very disdainful and sneered, "I have been working here for more than ten years, although the interest rate of the provident fund is low, but the loan is also very slow, which also drags on the loan time of the commercial loan part, what are customers most afraid of?" What is most afraid of is the change in the interest rate of the commercial loan part during the lending process, what are developers most afraid of? The most afraid is that the money arrives slowly, and the combination of these two is accounted for, and you still say that it is the best of both worlds? Misfortune is not a single line, but it is almost the same. ”

Fang Xiachu spent an afternoon thinking about the problem that Master Tao said, she had not done a portfolio loan with slow lending before, but it was not a good start at that time, the interest rate was relatively stable, and the relationship with the developer was still a cooperative bank, and the other party had no hard requirements for the arrival time, and the problems faced by the portfolio loan were indefinitely delayed or even ignored.

So much so that at this critical moment, the problems of the past were suddenly put on the table, and it became a big problem, and Fang Xiachu couldn't solve it alone, which was both powerless and useless.

Master Zhou saw that she was worried all afternoon, and knew what she was worried about, so he deliberately talked to Fang Xiachu for a while when he was about to get off work.

"The problem that Master Tao said is not unsolvable." Master Zhou swept around, approached Fang Xia Chu and said, "It's just that you can't solve it alone." ”

Fang Xiachu lowered his voice and asked, "Then how to solve it?" ”

Master Zhou: "It depends on your bank policy, our bank has cooperated with the provident fund before, provided that there is a developer with strong capital to back it up. ”

Fang Xia Chu was confused when he heard it: "What does that mean?" ”

Master Zhou said patiently: "For example, for example, there is a piece of land auctioned in the new area, your bank is the leading commercial loan bank, and all the lenders and accounts of the developer are opened by your bank, and then the developer wants to make a rigid house with 70 years of property rights, and has to cooperate with the provident fund, then the bank can use this bargaining chip to negotiate with the provident fund." ”

Fang Xiachu is of course a smart girl, this kind of thing can be solved at a glance, she quickly reacted: "It means that because we are the lead bank of the developer, we can discuss with the provident fund and let them speed up the loan?" ”

Master Zhou nodded approvingly: "That's what it means." ”

Fang Xiachu's eyes lit up: "Then how can we become the lead line?" Is there any land to be auctioned recently? ”

Chen Zhu called the phone from the Greenland side again before he got off work, and the person who answered the line was still the front desk lady, her tone was gentle and sweet, and the ears of those who listened could be pregnant, but unfortunately the words that came out were heart-to-heart.

"Hong is always really busy." The secretary said slowly, "I've already handed over the words for you, do you want to wait any longer?" ”

Chen Zhu took a deep breath, she could say that for the first time, she had a feeling of being provoked, and said with a tough attitude: "Then please help me bring another word, can you please bring it word for word?" ”

There was a voice on the other end of the phone, and it seemed that the smart and considerate secretary lady tore up a piece of sticky note: "Please speak." ”

Chen Zhu was silent for a while, and suddenly said coldly: "Mr. Hong, I know you are very busy, but I am also very busy, you are a businessman, you must be very rich, but no matter how rich you are, there will be times when you are not enough." ”

Miss Secretary Honey fell silent: "......"

Chen Zhu didn't care what the other party thought, and continued: "We are a bank, not here to collect debts, but to give money, and sincerely to give money, no matter how disdainful you are, you shouldn't be stupid enough to refuse to send money to the door, right?" ”

Miss ...... "" secretary was really close to saying "yes", and it took her years of professionalism to control her impulse, and she coughed lightly and said, "I'll bring you these words." ”

Before hanging up the phone at the end, Chen Zhu said solemnly word by word: "Please focus on strengthening the word stupid, thank you." ”