1045 Want a face?

For the next whole day, Li He was running around.

He found the largest local white affairs agency to handle the affairs of the two aunts, but if the whole process was entrusted to the intermediary company, and if he wanted to do it according to his wishes, the cost would be directly beyond his bearing.

Without reducing the quality of demand, you have to do many things yourself, such as the ingredients for the banquet and the price of the chef, as well as the details of the specific burial after cremation, and there are actually many unnecessary expenses that can be saved in each link.

It's just that it's going to be harder.

"Young man, please settle the account first, and this batch of vegetables will be shipped to you immediately." The owner of the vegetable farm said.

Li He was surrounded by a group of people, poked his head out of it, saw sweat on his forehead and said: "I bought so much, you also know the location of the office, and the people are there, and they won't run away." ”

The boss had a smile on his face, nodded his head incessantly, and said apologetically "small business".

Li He was a little embarrassed: "You see I don't have so much cash on me at this time, can I go back and take a piece of it for you?" ”

The owner of the vegetable market took out a card with a smile, handed it over and said, "There is no cash, and it is okay to scan the QR code." ”

Li He: "。。。。。 ”

The two of them here lowered their heads and played the game of you brush me and I will sweep you, and a person came running in the distance and shouted to Li He: "Brother Li, Brother Li, the table is not enough!" ”

“。。。。。”

Li He: "Farther and farther away, the pixels of my mobile phone are a little poor, and I can't blur them if I'm too close." ”

"Brother Li." The person who came looked at his expression was about to cry.

"Wait a minute, right away." Li He didn't raise his head: ". . . Eh, it's too far away to reflect... ”

After a long time, the owner of the vegetable farm ran back to load the vegetables with a smile.

Li He put away his mobile phone and looked at the visitor: "It's Xiao Zhang, what's wrong?" Can't borrow a table? ”

Xiao Zhang: "It's not that I can't borrow it, it's that I have borrowed it!" It's not enough that the whole village has borrowed all the big round tables! ”

Li He nodded: "Got it, then I'll buy it." ”

Xiao Zhang was stunned: "Buy? It's likely that you're going to buy a table like this? ”

Li He asked rhetorically: "Is there any other way?" ”

"This..." Xiao Zhang scratched his head and said cautiously, "Let's go to the next village and ask?" Or check it out in town. ”

"It's okay, then it's hard for you to run more." Li He nodded.

Xiao Zhang raised his head as if he had received a military order, stomped his feet, and shouted with a smile: "Don't work hard, serve Brother Li." ”

In order to save money, basically all of these big and small things will come to Li He to make decisions.

In fact, even if he was so hands-on, even some physical work Li He personally went on the field, shaking the audience with the power of a blue dragon, just to save a little labor cost. Even so, near the end of the afternoon, Li He, who was tired and sweaty, stopped to drink water to rest and reconcile, and found that he had no money.

Excluding the 200,000 yuan prepaid in the mother's hospital and other scattered expenses, after the preparations for this white event were completed, the 700,000 yuan in exchange for his life in the mission world had been spent less than 2,000 yuan, and the rest needed was at least 100,000 yuan.

Li He stood in the shade of the tree, holding the empty bottle of pure water, looking at the busy crowd in the venue, and frowning tightly.

What should I do if the gap is so big?

He took out the mobile phone in his pocket, flipped through the address book and looked at one of the numbers, and hesitated for a long time.

It was a wonderful person who claimed to be Manager Liu, who could handle credit loans from major banks, and soon after Li He had just deposited the 700,000 yuan in cash brought out from the mission world into Nanhu Bank, he called to inquire whether he needed capital turnover.

I don't know how Manager Liu managed to be so well-informed.

At that time, Li He had just finished saving money, and he replied to the other party with a lot of pride in his chest: "I have never had credit before, and I don't need credit after this, so don't come to talk to me about credit." ”

The other party was very professional, and he was not angry after hearing Li He's answer, he smiled and said, "Contact me at any time if you need to." ”

Because of the other party's calm attitude and the confidence when he left that sentence, Li He, who was going to forget about hanging up the phone, saved Manager Liu's number in the mobile phone address book.

At this time, he turned out his number and looked back and forth repeatedly, Li He also felt a little emotion in his heart, it was really feng shui in turn, he originally thought that he would never bother with money again, but he didn't expect the nerve-wracking moment to appear so soon.

"Hello, who?" Li He finally dialed the number, and after the phone was connected, the vaguely familiar voice of Manager Liu came calmly with a little confidence and enthusiasm.

Li He said: "I'm Li He, and you called last night to say that you could apply for a bank credit loan. ”

Manager Liu paused for a while, as if recalling something, and after a while, he smiled and said, "Yes, Mr. Li He, all major banks are fine." ”

"What should I do next?" Li He asked, "Do you need to provide any materials?" ”

"If you agree, I will collect your bank transactions for the past six months, as well as the call records of your mobile phone for the past six months, and finally record some of your address, work unit, average monthly income, family members and other information." Manager Liu replied.

Li He repeated: "So, what should I do next?" ”

Manager Liu was stunned for a moment, and then said with a smile: "Okay, it seems that Mr. Li is also a cheerful person, then I won't talk nonsense, you send me your ID number, the most commonly used bank card number and mobile phone number, and then wait for a while, you will receive some verification code text messages on the mobile phone number, and you can send me the verification code." ”

After hearing this, Li He frowned and hesitated: "ID number, bank card number, mobile phone number, verification code, these are all given to you, can you steal my number casually?" ”

Manager Liu was stunned for a moment, and said: "This is in line with the principle of making it convenient for customers, if you feel uneasy, of course, you can also go to the bank and the communication business hall to pull the flow and call details, and then we will make an appointment to meet and I will take you to the bank to go through the procedures in person." ”

Li He looked at the busy venue, thought about it, and finally said helplessly: "I can't pull away, you should help me get it, and I will send you all kinds of numbers." ”

"Okay, you can just send it to my account." The other side is still happy.

After hanging up the phone, fill in the information into the text message and send it over, and after a while, I received a few verification codes, and I didn't have much nonsense to forward them one by one, and after all of them were done, I was waiting for the news.

Li He leaned his back against the trunk of the tree, raised his head and looked through the mottled leaves, looking at the sky in a daze.

The corners of his mouth hooked up a trace of inexplicable arc, like helplessness, and like self-deprecation.

I even worry about number theft.

Is it important that your account will not be stolen in the future?

The ringing of the mobile phone interrupted Li He's thoughts, and he picked up the phone.

"Mr. Li, I just saw from the bank flow that the hundreds of thousands of funds you just deposited the day before yesterday have been used up today? Is it yours to use? Manager Liu's voice on the other end of the phone finally revealed some different emotional colors.

Li He nodded.

Then he realized that the person on the other end of the line couldn't see his movements, so he said, "Yes, I spent it." ”

Manager Liu's tone was a little surprised: "If it's convenient, can you tell me how it was spent?" ”

Li He replied: "It's inconvenient. ”

"Uh... This. Manager Liu was a little helpless: "In this case, because of your rapid consumption behavior, it may have a certain impact on the bank's assessment, after all, the funds in the account are too short to stay, I need to know more about you in order to give the bank more confidence, where is your current work unit?" How much is the monthly income? ”

Li He: "I just resigned, and now I am unemployed. ”

“。。。。” Manager Liu was silent for a while and continued to ask, "Do you have a property or a car under your name?" ”

Li He: "If you don't have a car and real estate, is it a rented house?" ”

“。。。” Manager Liu is still professional: "If you rent it, you have to buy it yourself, and you can pay it in full or with a mortgage." ”

Li He: "Oh, that's not it. ”

Manager Liu: "Have you ever had any credit history with the bank in the past?" For example, if you apply for a credit card from a certain bank and use it normally, etc.? ”

Li He: "I haven't had any credit cards. ”

“。。。。” Manager Liu didn't know why he was silent for a while, and then asked, "How much money do you need?" ”

Q: How much money do I need?

Is there such an interesting question?

Of course, it's as much as you borrow, anyway, the road ahead will either break out or perish.

If I ask me to mention it, then I'm welcome!

Li He thought for a while and said, "Two hundred thousand!" ”

“。。。。” Manager Liu was silent again.

Inexplicably, Li He felt that the person on the other end of the phone was a little pitiful, and he felt some sympathy for him in his heart.

Manager Liu finally spoke: "I'll help you hand over the information first, and tell you in advance, this application may not be so optimistic, and there is a high possibility of failure." ”

Li He asked: "You say so, then what am I looking for you for?" I was in a hurry to find you, and you told me not to report too high hopes? ”

Manager Liu said: "It would not have been like this, but it is really because you have gathered too many factors that are not confident enough for the bank. ”

Li He asked, "What is lack of confidence?" ”

"For example, the money you deposited in the bank before was spent after only one day, which is very likely to be considered by the bank's perspective that the funds do not belong to you, and it is just on the account for a while, which is not good for you." Manager Liu said.

Li He wondered: "Is it wrong for me to spend my own money?" ”

Manager Liu patiently explained: "It's not that you're wrong, but that you should keep the funds in your account for a longer period of time, at least don't spend them until you apply for a successful loan." ”

Li He quietly thought about the meaning of the other party's words for a while, and finally smiled: "In other words, for the bank, I should ask them for a loan when I still have money, so that they are willing to lend me money." And if I ask them to borrow money when they don't have money, they won't borrow because they don't feel at ease. Am I right? ”

"Uhhh Manager Liu hesitated and said, "Theoretically, I don't say that, but if you want to make it easier to remember, you can understand it this way." ”

Li He said: "This thing under the world... I just don't have money to borrow, if I have money, why borrow money from the bank? Why give them interest for nothing? How can any business in the world do this? ”

"Does the bank want face?" Li He hung up the phone.