After Li Dong saw the house, he had a pretty good idea and left directly without returning to the sales office.

The young lady watched him go to the bus stop...

The young lady was even more disappointed and could only comfort herself: Maybe she just kept a low profile...

Back at the sales office, other people asked the young lady how she felt.

The lady said it was okay and the gentleman planned to buy a whole unit.

But the other ladies were shocked.

I was busy asking if it was true or false.

The young lady said in an uncertain tone that it should be true.

When the others heard this, they breathed a sigh of relief.

Yeah, 80% of the time there's no chance.

Someone asked, why didn't the gentleman come over and pay a deposit first?

The young lady said that she did, but the gentleman said to go back and ask about the loan first.

When she said this, the other ladies all laughed.

They all said:

"Don't think about it, it's definitely out of the question."

"You don't look like a rich man, dressed in all kinds of clothes. No matter how low-key a rich man is, he won't dress so sloppily, right?"

"I don't even want to pay a deposit, which means I don't want to buy it at all. I just want to watch the fun."

"Oh, it's pretty easy to install. I want to buy a unit if I open my mouth."

"Xiao Chen, please be more careful in the future. Just deal with people like this casually and don't waste your time."

Listening to other people's words, the young lady became more and more depressed.

…………

After Li Dong left, he called Liu Zhaoyuan on the bus.

I asked about the loan.

Liu Zhaoyuan was surprised at first: "You want to buy a house?"

Li Dong replied: "Well, I don't want a loan. My down payment is not enough. The sales office told me that I can raise the house price so that I can borrow more money. I don't want to pay less down payment."

I know if there are any risks in doing this, so I just wanted to ask you."

When Liu Zhaoyuan heard this, he understood.

Let’s just say, Li Dong’s family is in a rural area, and his parents just work. How much can he earn? Li Dong’s job income is not high, how can he come up with a down payment of hundreds of thousands at once? One hundred thousand is enough.

of.

It turned out that I wanted to make a low down payment.

Liu Zhaoyuan said: "There is no problem with this. Many people are doing this now. We here also turn a blind eye. Anyway, as long as other conditions are similar. But on your side, it may be a little troublesome. You

Have you not paid social security yet?”

Li Dong replied: "The contract I just signed this month has never been handed in before."

I didn’t say anything about leaving my job next month...

"Where are your bank statements for the previous year? How much can you get each month?" Liu Zhaoyuan asked again.

"Sometimes it's three or four thousand, sometimes it's less than one thousand." Li Dong replied truthfully.

Liu Zhaoyuan paused for a moment and said, "It's a bit difficult... your turnover is too little. The key is instability. Hmm... how much do you plan to borrow?"

"Let's take a loan of ten to ten thousand," Li Dong said.

I just heard a popping sound on the other side of the phone, followed by a violent cough.

After a long while, Liu Zhaoyuan exclaimed: "How much do you want to borrow?"

"One thousand to ten thousand." Li Dong replied calmly.

"Brother, are you going crazy? A loan of more than 10 million? What kind of house are you going to buy? How much is the down payment?" Liu Zhaoyuan was almost speechless.

"I just went to Jinhai Villa to have a look. It feels pretty good. I plan to buy an entire unit. The total price is about fifteen or six million. I'll try to keep the down payment within two million, do you think it's okay?"

Li Dong said.

Liu Zhaoyuan was shocked: "No...you said it again, I didn't hear it clearly, you want to buy a whole unit?"

"Yeah." Li Dong replied.

"The total price is fifteen to six million?" Liu Zhaoyuan asked again.

"Well, they said they could help me get some discounts, but they probably wouldn't be too much," Li Dong said.

"Then, your down payment is less than two million?" Liu Zhaoyuan continued to ask.

"Well, just don't exceed two million. I also want to save some money to buy stocks." Li Dong said.

Liu Zhaoyuan couldn't change his mind: "Do you still want to save some money to buy stocks?"

"Yes, the three votes recommended to Lao Li are all good, and I plan to get some myself." Li Dong said.

Liu Zhaoyuan took a long breath, calmed down his emotions, and said, "Brother, where did you get so much money?"

"I'm making money. The U.S. stock market is doing well this month. If I get my salary next month, it will probably be several million. Otherwise, I won't have the money to buy a house." Li Dong said.

The originally noisy bus suddenly became quiet, except for the sound of Li Dong talking on the phone.

Everyone in the car looked at Li Dong quietly...

Opposite me, Liu Zhaoyuan's emotions that had just calmed down started to stir again: "Holy crap, right? How many millions do you earn in a month? Really or not? You didn't drink wine?"

"When did you see me drinking and bragging?" This time it was Li Dong's turn to be speechless and said, "Okay, okay, just tell me directly whether this loan can be applied for."

Liu Zhaoyuan calmed down for a while and then said: "To be honest, it's still a bit difficult, because you just earned a few million this month. It's hard for you to guarantee, or to provide proof to the bank, to prove that you will earn millions every month in the future.

You can earn so much. It is estimated that it will be difficult to get approval for a loan of more than 10 million yuan at once. By the way, have you contacted Lao Li?"

"No, why don't I ask you first?" Li Dong said.

"If you're like this, I'll help you find some connections and smooth things over, and see if I can help you get it done. In addition, you can also ask Lao Li to see if he can do it for you, but I

It’s probably quite difficult. For Lao Li and his small bank, a loan of more than 10 million yuan must be reported to the head office for approval. Unlike ours, the branch can make the decision." Liu Zhaoyuan thought for a while and said.

"Okay, then I'll trouble you." Li Dong was not too polite to Liu Zhaoyuan.

"By the way, you can ask the sales office which bank they cooperate with and whether other banks can handle it. Because some developers cooperate with banks, you can only go through their cooperation.

Banks apply for loans, but other banks do not accept them." Liu Zhaoyuan added.

"Okay, I understand." Li Dong replied and hung up the phone.

Then I called the lady at the sales office and asked which bank they were cooperating with. If the cooperative bank loan could not be obtained, could they accept a loan from a non-cooperative bank?

The young lady was feeling depressed. When she received a call from Li Dong, who was still inquiring about a loan, her hope suddenly rekindled and she quickly told Li Dong that they cooperated with several banks here, even if they were cooperative bank loans.

If you don't want to go out, you can also go to other banks for loans. They don't have any restrictions on this.

Of course, it's best to go through their partner banks.

Li Dong felt relieved and called Li Tongwei again.

Li Tongwei and Liu Zhaoyuan had similar reactions. They were shocked to death when they heard that Li Dong wanted to borrow more than 10 million yuan to buy a house and had made millions this month.

Only then did he tell Li Dong that in principle the loan could not be applied for.

Li Dong said oh.

Although he had expected it, when Li Tongwei actually said this, Li Dong still felt a little uncomfortable.

Just as he was about to hang up the phone, Li Tongwei asked Li Dong again whether how many millions he earned this month was accidental, or whether he could maintain this income in the future.

Li Dong felt a little depressed and said casually that he was lucky this month to earn so much, but it would be hard to say in the future.

Li Tongwei thought for a while and said that if Li Dong could maintain a similar income, not just millions, but even hundreds of thousands, then he could help Li Dong make a guaranteed loan, and he would find someone to guarantee Li Dong.

Although the loan interest rate will be higher, the approval will be relatively easier.

The most important thing is that the guaranteed loan complies with the regulations and is not considered a violation.

Moreover, because it is a short-term loan, the total interest rate is actually much lower than that of a mortgage.

Of course, the premise is that Li Dong can guarantee to repay the loan within one year.

Otherwise, Li Dong, Li Tongwei, and the guarantor will all be held responsible.

Li Tongwei also took great risks to help Li Dong do this.

This is Li Dong, but he would not do this to anyone else, even a relative from his hometown.

One is because he believes in Li Dong, his ability, and his character.

The second is because Li Donggang helped him earn a lot of money.
To be continued...