Zheng Jianguo casually ordered a few dishes to give the menu to Zhou Jianjun, Zhou Jianjun ordered a few more to make up 8 dishes, and Li Lin asked the waiter to serve cigarettes and alcohol.

4 bottles of Feitian Moutai and two packs of Hongta Mountain, Zheng Jianguo was surprised, "Boss Li, it's a bit extravagant, right?" ”

Li Lin said: "This wine is not good, I drink other wine and have a headache." ”

Zheng Jianguo gave a thumbs up and said: "It is worthy of being a big boss in business, look at the courage of others." ”

Zhou Jianjun said: "No matter how big the boss is, I have to ask you for help, you are the God of Wealth." ”

Zheng Jianguo laughed and said: "Lao Zhou's words are not right, we are in the service industry." ”

Li Lin opened the bottle and poured wine, saying: "I think there is no business without service, and all business is ultimately service." ”

Zhou Jianjun said: "Erlin first drank three cups, and then respected the elder Zheng with a cup, and asked him for advice on the way to get a loan." ”

1 tael of cups Li Lin drank 3 cups in a row, poured 1 cup and stood up to salute Zheng Jianguo, "I did it, Uncle Zheng is free." ”

Zheng Jianguo was also bored, asked Li Lin to sit down, put down the wine glass and said, "Tell me, how do you want to borrow?" ”

Li Lin said: "I want to take out a short-term loan, do I have a half-year loan?" ”

Zheng Jianguo said: "You are lucky, the central bank lowered the loan interest rate on May 1, and now the half-year loan is 9.72%. ”

Li Lin called out good guy, is the interest rate so high now, the interest rate on long-term mortgages in 2022 seems to be less than 5%.

took out the calculator and roughly calculated, Li Lin said: "Loan 100,000 yuan for 6 months, and repay 104,860 yuan with interest?" ”

Zheng Jianguo nodded and said, "The principal multiplied by the annual interest rate and then multiplied by the time is almost this number." ”

Li Lin said: "You can repay the principal at the maturity of the monthly interest, and the repayment of the principal and interest at the maturity is also fine." ”

Zheng Jianguo said: "In principle, customers can negotiate with the bank to apply for these two repayment modes, and the bank will approve it according to the customer's business conditions in the previous year. ”

The implication is that a rookie like you who is taking out a loan for the first time should not think about it, and the bank will choose a more secure equal amount of principal and interest.

Zhou Jianjun said: "Is there still a problem with Erlin? If you have it, drink 3 more glasses, and if you don't, let's drink it together. ”

It's the routine just now, Li Lin didn't hesitate to drink another 4 cups, and said, "I'll do it, Uncle Zheng, please feel free." ”

Zheng Jianguo took a sullen mouth, gave Li Lin enough face, and said heroically: "If you have any questions, just ask." ”

Li Lin said: "What is the discount of the mortgage, and can I get a loan with a driver's license B?" ”

Zheng Jianguo said: "The discount rate of physical goods is between 60% and 80%, and B certificate can apply for credit loans. ”

Credit loan means that there is no need for collateral and guarantee, and the bank approves the loan amount according to the customer's work and creditworthiness.

Zheng Jianguo also said: "The average monthly salary of a truck driver is more than 400 yuan, and the B certificate shows that you have the ability to earn 400 yuan a month, and you can approve 10 to 20 times the amount, which is 4 to 8,000 yuan." ”

Li Lin asked again: "Do you have any specific requirements for the loan guarantor?" ”

Zheng Jianguo put down his wine glass and explained one by one, first of all, he asked that he was between 18 and 65 years old, and he was not involved in this case, that is, he was not Li Lin's business partner.

The second is to enjoy political rights, personal freedom is not restricted, and there is no criminal record.

Have a permanent residence and a fixed residence in Lan County, and have the ability to fulfill the guarantee obligation.

Li Lin sincerely thanked: "I don't have any problems for the time being, thank you Uncle Zheng." ”

Zhou Jianjun immediately answered, "Then have a good drink, you are usually busy people, and it is not easy to get together." ”

The grandfather entered the free drinking mode, and the more he drank, the more he drank, and when the fourth bottle of wine was opened, Zheng Jianguo also opened the chatterbox.

In the end, there were only 3 glasses of wine left on the wine table, and Zheng Jianguo said: "Erlin, if the funds can be turned around, I suggest that you apply for a loan in late August." ”

Li Lin bit the tip of his tongue and forced himself to be sober, and said with a smile: "I don't understand anything, Uncle Zheng taught me." ”

Zheng Jianguo said: "In mid-August, the central bank will hold a regular meeting on deposits and loans, and I estimate that the deposit and loan interest rates will be reduced. ”

Li Lin really wants to say that your estimate is completely correct, interest rates will continue to fall in the next few decades, and the state does not want the people to keep their money in the bank to eat interest, and wants the people to buy commercial housing.

Zhou Jianjun looked at his watch and said, "It's almost, let's finish drinking the cup and finish, can Lao Zheng still ride?" ”

Zheng Jianguo patted his chest and said, "It's okay, I can touch the house with my eyes." ”

Zhou Jianjun asked Li Lin, "Have you arranged a follow-up?" ”

Li Lin said: "It's arranged, my brothers are waiting below, responsible for sending you and Uncle Zheng home safely." ”

"Well done!" Zhou Jianjun clapped his hands and said, "You are too sophisticated, not like a young man." ”

Zheng Jianguo raised his glass and said, "It's done, let's end it." ”

After the grandfather drank the last glass of wine, the top-heavy Li Lin went to settle the bill, and Lao Zhou and Lao Zheng carried each other downstairs.

There were two 1 yuan bus breads parked outside the door, and Li Sen took his brothers to take care of the big guy and got on the bus.

Fold down the two rear seats of the van and lift the bike up, with one brother in front taking care of the big guy in the co-pilot and one brother taking care of the bike in the back.

Zheng Jianguo shook down the glass and praised Li Lin, "Lao Zhou is right, you are too sophisticated, it's really good." ”

"It's over." Li Lin arranged for Xitong and Dong Biao, "You must send our uncle to the door of the house, and you will leave when our uncle enters the house." ”

After the van left, Li Lin felt that the world was spinning, and his eyes fell into Li Sen's arms as soon as his eyes turned black.

I woke up early the next morning, drove the brothers to Bi Kun's house after breakfast, and helped send Sister Bi to get married.

The next few days are waiting, reading the Economic Daily every day, hoping to see the good news of interest rate adjustment.

On the morning of August 23, I finally saw the good news, the central mother lowered the benchmark interest rate of the semi-annual loan to 9.18%, and the major commercial banks fluctuated according to the benchmark interest rate.

Li Lin grinned happily, and planned to go to the bank to ask Zheng Jianguo to come over for evaluation, but as soon as he went out, he was thrown into Li Mu's arms.

"Second brother, I scored 571 points and ranked 4th in the county." Li Mu burst into tears, raised his face and cried: "Second brother, I am a cheap student." ”

"It's amazing my sister." Li Lin couldn't help but give a thumbs up, the fourth place in the county is indeed remarkable.

Dong Yuanyuan wiped his tears and said: "Second brother, I only scored 522 points, ranking 239th in the county. ”

"That's great, Biaozi will cry with joy." Li Lin gave her a touch of the head to kill.

As long as you enter the top 240, you will be a cheap student, and you only need to get 500 yuan for tuition, which is great news for the Dong family.

Li Mu came out of the arms of his second brother and said weakly: "Sister-in-law will arrive at the train station at noon tomorrow, can you help me set up a thank-you banquet?" ”

"I have to thank her well." Li Lin put the newspaper in his pocket and said, "I'll go to CCB first, and when I come back, we'll go to the vegetable market to buy vegetables." ”

Li Lin ran to CCB, Zheng Jianguo asked him to write a bunch of application materials, and made an appointment to come to the warehouse on the 25th for on-site evaluation.