Hao Ren looked at Zhao Mingyang and said, "Won't it?" The loan is from a regular bank, the monthly interest is 0.78%, I also looked, the bank account number for repayment is also the bank account. ”

"Take it out and I'll take a look." Zhao Mingyang said that Zhao Mingyang knows that many car dealers use loan institutions that are not banks, but third-party financial institutions.

To put it simply, if you borrow 10 million from the bank, the bank gives you 0.3% interest, and you transfer 1% or 3%, you register a bank account, and this account is given to the users who borrow from you, so that they can repay the account every month, and the principal and interest released to you by the bank are deducted from this account, and the rest of the money is still yours.

However, many people think that this account is directly lent to you by the bank, and you return it to the bank is a fixed account, which makes many people mistakenly think that the loan contract signed directly with the bank makes people believe very much that it is a third-party loan.

Hao Ren took out a contract from the storage box, as well as all the car purchase insurance and formalities.

Zhao Mingyang saw the car insurance, the first insurance actually gave Hao Ren an unknown small insurance company, bought an insurance of 8986 yuan, it is estimated that Hao Ren This is BMW, belongs to luxury cars, to buy more expensive insurance, really black, not cheap, this kind of unknown insurance company gives a high rebate, 9,000 purchase policy amount, can get a commission of about 2,000, the general car 4S shop sells insurance commission in 10% to 25%, although the small insurance company gives a high commission, but the insurance is more troublesome.

Many of them are entrusted to outsource, car owners or buy large insurance companies, accident claims are really fast, and the biggest pitfall of this kind of small insurance companies is that they may go out of business at any time and cannot find anyone.

Look at the loan contract again, there is really a cat here, there is a continuous service fee of 3%, which is especially added to the monthly repayment is 1.8% interest, which is called one point and eight points of interest.

There is also a one-time service fee of 3,000 yuan for the first loan in the contract, which is a pit, followed by a GPS usage fee [deposit], this is a service that the loan will have, with GPS positioning, but this can be done without paying a deposit and the like, some black car dealers let customers pay for this by themselves, Hao Ren is to buy it by himself, 3,000 yuan.

This is not the point, the point is the overdue penalty, this late fee is actually charged 36%, three years installment, 36 months, if Hao Ren pays it back late, it will be a big loss.

When the next payment was made, there was no actual amount of the next payment, and all the expenses borne by Hao Ren were deducted at one time, such as interest, such as service fees, such as GPS deposits, etc.

After calculating, Zhao Mingyang saw that Hao Ren's loan had exceeded 2% interest this time, which belonged to the usury of the car loan.

If this is an accident car, the recycling price may be around 30,000 to 60,000, and the compromise is 50,000, and the other party earned Hao Ren 110,000 yuan, plus loan insurance, etc., a total of about 140,000 yuan was earned from Hao Ren.

Ordinary people buy a car, whether it is a new car or a second-hand car, the car dealer will say that the interest is very low, in fact, this is also easy to calculate, first calculate the interest that the other party said, that is, the total interest multiplied by the number of loan periods, divided by the monthly payment to be repaid each month and the interest of each month.

Beyond this, I will talk to the car dealer, and the remaining expenses can be bargained, of course, some expenses can not be too much bargaining such as insurance, but GPS and other deposits can be removed, and there are some unnecessary service fees, such as license fees.

Contract, the contract must be good, written clearly, not only the other party out of the contract, you also have to add your demands, such as to ensure that the three major pieces are no problem, if there is a problem, how much the other party will compensate you, and whether there is an accident soaked in water, etc., finally, you must not buy a car by yourself, you must have a witness.

You can bring a friend or relative, the safest way is to record with your mobile phone, as for how to check whether there is a problem with the vehicle, you don't need to spend too much money, go to the local vehicle management office to check the special inspection service, or find a familiar relative to check.

The probability of the odometer being transferred is very high, and the accident can check the insurance policy, etc.

Hao Ren is a typical acquaintance killed by acquaintances, this kind of acquaintance is actually half-baked, it is difficult for real friends and relatives to do the black, but there are exceptions, the best way to buy a car is to shop around and talk about it yourself to know the market.

Hao Ren was cheated this one, and it is likely that in addition to the engine, everything else has problems, so this is not a small accident.

When collecting the car, it is impossible for the car dealer not to know, this is the deliberate pit people, earning a dozen or two hundred thousand at a time, which is not uncommon in some second-hand car circles, which is why many people are afraid to buy a soaking car, the recovery price of the soaking car is 8,000 to 20,000, which is a relatively well-known big-name car price, and it can be sold for more than 100,000 or 200,000 yuan when it comes back to be refurbished, plus various routine loans.

"Alright, let's go back to work." Zhao Mingyang handed over the contract and car purchase procedures to Brother Chic.

Brother Chic took the document bag and said to Hao Ren: "Take it, go back to work, and I'll go over with you at noon to have a look." ”

"Oh." Hao Ren took the document bag and nodded, he especially listened to Brother Chic, Brother Chic is also a teacher and friend to Hao Ren, from the internship stage to the present, Brother Chic has taken him,

Zhao Mingyang and Brother Xiao went to the coffee shop downstairs to buy some coffee and take it up, Zhao Mingyang is actually average to Hao Ren, but he is a little better for others, and he likes the cleanliness on Hao Ren.

But Brother Chic is really good to Hao Ren, Zhao Mingyang looked at Brother Chic curiously and asked: "Brother Chic, I want to ask you something, I don't understand, why are you so good to Hao Ren?" I mean, for him alone, you're not going to change your taste, are you? Looking for something exciting? ”

"Fuck off! My sexual orientation is very positive, in fact, it's nothing, Hao Ren joined the company more than half a year before you, he was an intern at that time, to put it bluntly, he didn't meet the company's recruitment conditions at all.

However, at that time, the company received an order for animation and some peripheral related, so it temporarily formed a team, recruited a bunch of animation graduates, and outsourced a group of people from some animation companies with interns.

To put it simply, the outsourcing company comes for two or three months, pays a fee to the other party, and the interns we recruit learn something from the Ren family.

Hao Ren was recruited at that time, and the reason why he didn't meet the standards was mainly because he was too dull and didn't know how to observe words and expressions and be flexible.

It's like a spinning top, move it, or you don't know what to do, in fact, I don't like such interns, with tiredness.

But back then, he was one of the interns I bringed, and he took it for a month, when I was hospitalized for more than ten days with acute appendicitis, and Hao Ren was the only one at that time, who really cared about me, and went to bring me food and drink every day, and ran very diligently, and always took care of me.

And help me go through various hospitalization procedures and arrange some things, I thought this kid was probably trying to pat the horse, and I have seen a lot of whiskers.

But later I found out that he simply took care of me, and after I was discharged from the hospital, he had the same attitude as before, and three months later, the company fired many interns.

The team itself was temporarily organized, mainly to see if there were good seedlings, and they basically did not meet the standards at that time, but I asked the personnel department to press a few people for the internship period, and I just pressed it for two or three months to see and give them a chance to become regular.

Many people can't stand it anymore and leave directly, the more they work, the more slippery they become, Hao Ren is still like that, he hasn't changed, and he is still very satisfied, he is just too satisfied, but he is an employee that many companies don't like.

I took him to study later, in fact, he is not wood, he just doesn't have that desire, it's too easy to satisfy, to put it bluntly, he can't do big things, he can't make a fortune, and he doesn't have any ruthlessness. ”

Zhao Mingyang finally understood why Brother Xiao was so good to Hao Ren, he looked at Brother Xiao and said, "Then how do you deal with him?" ”

"How? I am a native of Shencheng, and with a shout, it is no problem to call a dozen or twenty people, my classmates, seven aunts and eight aunts, and all kinds of relatives.

Go directly to the door of his fellow store to pull a banner and make a fuss, we are not outsiders in this matter, there is time, I take a leave at most, a week, the other party can't stand it, to open for dinner, this line is most afraid of making a fuss, not to give him a news report.

Either return the money, or change the car, at least change to a good condition, remove the cost that should be removed, this is a trivial matter, rest assured, I can handle it,

Meng Xiaoxian's copywriting, what do you say? Start now? ”

"Start now, let's find an introduction first, lead the topic out, by the way, Duan Tianya, did you do it?"

I contacted several local newspapers and media in Shencheng to give him a private interview, and I also made a channel operation on the Internet.

But his nature is to want the people around him to know about him, and he doesn't care much about the Internet, so what we do is to arrange for him to appear on several domestic TV programs.

Some of them lasted for half an hour, some small local stations, and large local stations had three or five minutes of programs, and they also arranged a variety show for him, a shot of one of the judges in the audience with a few seconds of footage.

What he needs is offline traffic, to be precise, to let people he know know that he is now an artist, and he doesn't care about online traffic at all.

He is quite satisfied with our arrangement, and there is also a documentary specially shot for him, which is also being produced, and it will be broadcast on the Shencheng News Channel at midnight when the time comes. ”

"Yes, you can arrange it, Meng Xiaoxian don't put it offline to operate, it has no effect, and this can only be used for video operation, not text, and the effect of text is not great.

The delivery platform is mainly a platform that can transmit videos, and it is directly pushed to the homepage, such as Weibo, Tieba, Aiyouteng and other video websites in the news and video columns.

In terms of time, try to push it around eight o'clock in the evening, in the time period from Tuesday to Thursday, Monday, Friday, Saturday and Sunday are all time periods for celebrity drainage, and it is too difficult for this kind of amateur to get out of the circle during that time period, and the traffic is too low.

By the way, the modeling agency that contacted you before, you contacted Grandma? ”