Chapter 38: Routines and Anti-Routines
"Huh? Soybeans, wheat! Gao Erlin was still anxious about Wang Xiaofa, but Song Xing suddenly turned around and asked him, and reflexively came.
"How many acres of wheat?" Song Xing's second question came one after another, and the second year of high school Lin didn't even have a chance to get over his brain.
"Fourteen or fifteen acres!" Gao Erlin remembered that he should be talking about more than ten acres, and he didn't dare to think about it, the longer he thought about it, the more likely Song Xing would see something, so he blurted out!
However, to his surprise, Song Xing didn't ask any other questions, and he breathed a sigh of relief!
Song Xing picked up the teacup, took a sip, and then turned his head to look like Wang Xiaofa, "How much money does Brother Tai want to borrow?" ”
"Two dollars!" This was said before, but Song Xing seemed to ask a little later than they expected, and the routines of these two people were messed up.
"Then what about Brother Erlin, how much does it cost!" Song Xing turned his head and asked Gao Erlin, who was still repenting of his mistake.
Gao Erlin had done his homework before, but the routines were all disrupted by Song Xing, and he didn't follow the information he got, as soon as he came up, he asked them how much money they needed, and then wrote a note, pressed their handprints, and then they just took the money and left, and now they were directly stunned!
The question just now has obviously been exposed, and he is thinking about how to make up for the exposed horse's feet just now, Song Xing actually asked him the amount of borrowing, and he couldn't help but be secretly excited, "Song Xiucai, I need three times of money!" ”
I thought that I had been recognized and had no chance, so I could only pin my hopes on Wang Xiaofa, but I didn't want to come to a peak and a roundabout!
The reason why the two of them came was to avoid leaks, so as to ensure that there was one more person who could borrow money.
In addition, the two of them are just a front stop, and if both of them fail, there will be others who will continue to rise to the top based on their failed experience.
Of course, this is the worst-case scenario, according to what they heard before, Song Xing would not ask so many questions.
"Hehe, three times is not a small amount!" Song Xing pretended to groan, so anxious that Chang Erlin's fists were about to clench red, it seemed that he was going to agree, why did he come out again!
As long as he gets this loan, he can get one-tenth, that is, 300 yuan, and he doesn't have to worry about repaying the money at all!
Finally, Song Xing made a decision, "Brother Erlin, Brother Xiaofa, it's no problem to borrow money, I'm doing this business in line with the concept of convenience with others and convenience with myself, but this convenience is mutual, so I need the two brothers to provide your house deed or land deed as collateral!" ”
Yes? Chang Erlin and Wang Xiaofa were stunned, and they would earn two or three hundred yuan, but if they wanted to take their real estate or land, wouldn't this be picking up sesame seeds and losing watermelons?
Both of them have lost their land and property because of gambling, and there is a house, but that is where the family lives in peace, if this is really mortgaged to Song Xing, the consequences can be said, although he was asked by his cousin Jia Sanbiaozi to come, but if it is really deducted, it is their house that can be deducted!
The two glanced at each other, thought about it and thought about it, gritted their teeth and prepared to agree, after all, before going out, Jia Sanbiaozi promised them, they just borrowed money, and other things, don't worry about it, and besides, this powerless Xiucai will not confiscate their ability to house!
"Song Xiucai, it's no problem to ask for the deed, but we can deliver it tomorrow morning!" Chang Erlin gritted his teeth and said, and Wang Xiaofa on the other side also agreed.
"Also, my interest here is 4 cents, if you agree, you will come to me tomorrow with the deed!" Song Xing could see the struggle between the two, but his usual professional smile was still on his face.
"Four points? Didn't you say 3 points? Wang Xiaofa, who had already gritted his teeth and agreed to get the deed, got up directly and asked, his words full of dissatisfaction and anger.
"3 points? Who do you listen to 3 points? If you think I'm expensive here, you can also go for a 3-point place! Song Xing's smile was still so kind, but he had already picked up the teacup, and it was obvious that he was serving tea to the guests!
"You 、、、 you、、、、" Chang Erlin "you" for a long time, and he can't say why, yes, the matter of interest is simply the final say, what can you do?
Looking at Chang Erlin and Wang Xiaofa's almost purple expressions, Song Xing was so cool in his heart, let you come to me to take advantage, and when the time comes, I will kill you!
It's really cool to think about it, he has the final say on the interest matter, he can think as much as he wants, and the benchmark interest is 3 points, which is true, but like financial management, there are also differentiated customers, for example, there is a problem with the basic information of these two, and according to the approval standards, they directly refused.
The questions he asked before felt more winding for these two people, but in later generations of financial companies, the most basic business knew to ask customers like this, which is also the most basic and grassroots routine.
Chang Erlin came back twice, and the same question came back with different answers, indicating that the information was seriously falsified, and as for what this guy actually did, Song Xing didn't need to ask.
Wang Xiaofa, this is a job fraud, how can a person who buys children's toys not even know what he sells? Isn't this obviously nonsense!
But Song Xingdu agreed to lend it to them, provided that the deed was mortgaged!
"Okay, 4 points is 4 points, we'll send the deed over tomorrow morning!" has already reached this point, Chang Erlin and Wang Xiaofa agreed with a ruthless stamping of their feet.
Actually, don't say it's 4 points, it's 4 times, it has nothing to do with them, anyway, they didn't think about paying it back, someone will deal with it!
"Okay, then don't send the two!" Song Xing sent the two out of the small courtyard very politely, looking at the figures of the two gradually disappearing, Song Xing couldn't help but have a smile on the corner of his mouth.
He couldn't tell if the two men had come by himself or if there was someone behind them, but at least he was sure that the two had no intention of returning!
And the reason why he agreed to these two people to borrow money was to take this opportunity to see how capable Xiu Liu was, if Xiu Liu couldn't get it back, he would just lose five times the money!
It is true that this is a routine, but it is a one-sided routine in the hearts of Chang and Zhang, and they have decided to eat the money!
But here in Song Xing, it is a two-way routine, when he planned to lend money to these two people, he didn't think that they would pay back, but went directly to their deed and the people behind the scenes, the worst result is nothing more than that he can't get it back, but he can find out the manipulators behind the scenes, this kind of industry, the most taboo is remembered.
This reminded Song Xing of the routine of a car loan in later generations, the car loan company does not look at the credit, does not check the big data, and can do it with the ID card, however, the interest is very high, and the handling fee is also very expensive, almost a car with a market price of 1230,000 yuan, only 100,000 yuan is evaluated, and the loan is only approved 70,000 yuan.
Theoretically, no one does such an expensive interest, but there are many people with the nature of the local society who are good at this business, they never feel that the cost is high and the interest is expensive, because they don't think about paying it back at all.
Similarly, the company also thinks so, they don't expect these people to return at all, but on the first day after the customer leaves, they will closely monitor the car, as long as the GPS signal is interrupted, the car will be detained immediately, and they are eyeing this car!
No matter how powerful the local customer is, there will always be a time when one person is left alone! Could it be that he has the strength of boxing champion Tyson? And professional collection, that is absolutely hurry and neat, do not do anything to the customer at all, hold the customer, and drive away directly!
Think about it, this is actually them getting a car with a market price of 1230,000 yuan at a price of less than 50,000 yuan, going around in circles, the car is still back in their hands, and then looking for a home, throwing out 80,000 or 90,000 yuan, and earning 30,000 or 40,000 yuan!
Routines and anti-routines, it depends on who is more professional than whom!
And Song Xing, too, didn't think about earning this interest money, either the house or the people behind these two people, he always saw the same!