0113 Buying a car, taking out a loan, selling land

A white shirt slightly smaller than the No. 1, wearing a light pony jacket on the outside, while taking into account the professionalism and more beautiful, the dark gray skirt on the lower body is really a little short, but this kind of dress has become very common now.

It's hard to find a job right now, and everyone is already working hard.

Lynch glanced at it, nodded, and he looked at the girl's breasts...... The front badge, with the title of "Sales Manager" written on it, is perhaps the cheapest privilege that ordinary people can enjoy.

In addition to this title, there is another name, Beth, a very common name.

She held a clipboard in one hand and a pen in the other, looking very professional, and at the same time asking Lynch about his preferences for buying a car.

This is a very common small means, in front of the customer to record the customer's preferences will make the customer feel that they are valued, in fact, this "attention" will not be long before it will be resold to some consulting and research agencies, as well as car manufacturers, maybe this is indeed a kind of attention, but this attention can be sold for money.

Customers like Lynch who buy luxury cars can sell them more expensive.

Lynch said a few needs, to be beautiful, to be generous, to have some seriousness, but also to be dignified.

Your girl was immediately interested, and she led Lynch to another showroom, where some of the more well-known luxury cars in the Federation were parked, most of them sedans.

The price of the sedan is higher, and the audience in the social group is also wider, and even the president's car is a luxury car, which makes people believe that the sedan is a suitable model for formal occasions, rather than those with a strong "cost performance" business car.

People often know that a caravan is suitable for family use, so even if a caravan is not inferior to a sedan in terms of materials and technology, it will be much worse in terms of price because it is not formal enough.

A large number of luxury cars were placed together, and Lynch watched with some amazement that the girl was able to name and make them without hesitation, and in Lynch's opinion, these cars were actually similar.

It may be limited by the current industrial process, or it may be the current aesthetic problems of people, the style of the car is generally not much different, and some different brands of cars can not even distinguish what is different between them from the appearance.

This also made Lynch's desire to choose a car a lot lower, anyway, the appearance is similar, and he just bought a different car logo.

"Do you have any good recommendations?", Lynch casually touched the paint of a car, and felt that it was not too bad, he looked back at the sales manager.

The joy on the sales manager's face flashed, it was rare to see such a bold guest, she asked cautiously with a hint of expectation, "Sir, what's your budget?"

Lynch smiled, the handsome boy always smiled so sunny, Beth's eyes were a little glazed, "Be able to meet my requirements, try to be as good as possible, not those entry-level cars." ”

He didn't answer the budget request directly, and Beth almost got it in mind, and immediately led Lynch to a bright silver car, which was indeed a little different from the others, with a longer front engine compartment and a longer body.

It should make people feel its incongruity, but it gives people an indescribable beauty, perhaps this has something to do with its mirror silver paint.

"This is the latest in the House limousine series, and it is also the most luxurious one, some domestic stars, dignitaries, bought it at the first time, and its price is less than 100,000, it is definitely your most suitable choice. ”

Lynch took a brief look, and under Beth's introduction, he also got into the car to experience the leather full-enveloping rear seats and flattening function, and it was even equipped with a record player and the function of listening to the radio, listening to the radio in the car is definitely a pleasure that only luxury cars can have.

"How much?", Lynch patted the body and added, "There are some things I don't like, can any of you here modify them?"

After a period of friendly negotiations, Lynch finally bought the car for 120,000 yuan, and after refusing Beth's request for home delivery, Lynch drove the car out of the car sales center and went directly to the bank to find Joe Greenman.

When he found Joe Gleeman, Joe Gleeman was chatting with his subordinates, and he had been in a good mood for a while, and the state branch had twice praised him by name on conference calls and called on everyone to learn from him.

There was even a possibility that he would be able to take over the position of local governor, and once such a thing that he had never dared to think of before became a reality, he would immediately be able to enter the upper echelons of society, and all this was brought about by Lynch, a young man.

When he heard that Lynch was coming to visit him, he immediately expelled the others in the office and personally introduced Lynch into the office.

He opened the box on the table, picked out a solid color and handed it over, and casually asked, "Is there anything I need to serve?"

There was a sense of intimacy and joy in his words, and Lynch cut open the two ends of the Promised Land, and Joe Griman immediately took the initiative to take a blowtorch and light the solid color for him.

Lynch casually threw his proof of car purchase on the table, and Joe Griman raised an eyebrow and looked at it carefully.

Although he acts like he is easy to say and do everything, when he really enters the work, he immediately becomes serious and careful.

After reviewing the documents and the completed tax certificate, he looked up at Lynch, "If you want to buy a car, you can actually come to me, I know a local dealer who will give you a cheaper price." ”

Cars, which can be regarded as luxury goods, are not as easy to sell as people think, especially some luxury cars, most of which are in a state of unsalable except for some special best-selling models.

Automobile manufacturers and distributors have a large backlog of cars, and the inability of these cars to be quickly realized also drags down their liquidity, in order to solve these problems, they often mortgage these cars to banks, and use bank mortgages to relieve the pressure on funds.

Joe Griman could easily get a very low discounted price, and those who wanted to take out a loan from him, who wanted to keep the fee down, had to say something.

This kind of operation is not considered a violation and will not be prosecuted, it is just one of the many benefits of those who work in the banking industry, and they always have a good relationship with the company.

Lynch shook his head and spat out a puff of smoke, "I applied for a low-interest loan, a car worth 120,000, how much can you put for me?"

Joe Griman looked at the materials in his hand, then left one of them, and called his secretary to prepare a mortgage contract.

After he hung up the phone, he smiled and said, "I'll try to give you a reasonable price, we're friends, right?"

Lynch nodded, and he raised his hand with a solid color, affirming Joe Gleeman's words, "We are friends. ”

Bank valuations are often not based on the price of a commodity's sale, and a hundred dollars are often only worth fifty or sixty dollars in their hands.

However, there are not no places that cannot be operated, such as valuation errors, such as real-time price fluctuations, for example, many methods can make some errors in the valuation and the final result, which is normal, and the annual bad debt indicator is to cope with these situations.

These indicators are used, and the people above will not reprimand Joe Griman for his mistakes in his work, and the loan department itself is very risky.

A few years ago, the price of Valcido gems was about 2,000 yuan per carat, but suddenly it was revealed that a huge reserve of Valcido gem mines was discovered, and the price of all gems on the market fell from 2,000 yuan per carat to 200 yuan per carat.

This is something that no one can reverse on their own, and the banks must have suffered a lot, as jewelry has historically been the most popular pledge, and no bank has been heard of criticizing the person who took the mortgage on these gems.

These indicators are not used, and they will not praise Joe Griman for his good risk management, but will only feel that this is what he should do.

So whether you use it or not, it won't have any real impact on yourself, so why not?

So no one will pursue these permissible mistakes, as long as they are not too excessive, and do not exceed a threshold of tacit consent in everyone's hearts, no one will take the initiative to talk about these things at work.

Soon, Lynch signed a mortgage contract, and then 120,000 yuan in cash was transferred directly to his account, and he had to pay the bank a hundred dollars in interest every month until he could pay back the money, or he couldn't afford to change it.

This practice was not invented by Lynch, in fact, it was already common in all walks of life before this, otherwise Joe Griman would not have known what he wanted to do without Lynch's reminder.

For Joe Grimman, he once again deepened his bond with Lynch through this trivial trifle.

As for Lynch, he bought a luxury car worth 100,000 yuan at a price of 150 yuan a month, and everyone did not suffer a loss.

After talking about these little things, Lynch talked about his real intentions, which was that he planned to sell the current land of the Professional Football Club in Sabin.

If the land is kept in his hands, he will not have the funds to build a new club outside the city, nor will he have the start-up capital for his own plans, and the financial crisis is imminent, so if he doesn't sell it now, will he wait for it to be sold when it is worthless?