Wan Pojun's words immediately caused a commotion among more than 700 members of the Ye family!
Although these collateral members of the Ye family are not the top entrepreneurs, they are still much smarter than those young people who mindlessly swipe credit card installments.
Those brainless young people think that installment payment is a very cost-effective thing, but little do they know that the bank has already understood their mentality.
The interest rate for each installment is 6% per thousand. It seems that if you pay 10,000 yuan in 12 installments, you only need to repay an extra 60 yuan a month, but 12 installments a year is 720 yuan!
Relative to the principal of 10,000 yuan, the annual interest rate for one-year installment is 7.2%!
This is just a rough calculation method. You must know that ten thousand yuan is not repaid once a year, but is repaid monthly in twelve installments. The principal of each installment is reduced, but the interest rate is fixed according to a certain period.
Calculating the principal of 10,000 yuan, if this is calculated, the actual interest rate even exceeds 13%!
This interest rate can be called a huge profit in the financial market.
Each of these collateral members of the Ye family has very good connections with banks and investors. If they really want to get a loan, they can easily get a large loan with an actual annualized interest rate of less than 5%, so after hearing this
Wan Pojun gave me this installment plan, and I couldn't help but curse him for his evil intentions.
So, someone said: "Master Wan Dian... After all my cash has been given out, I am still short of 2 billion. Please give me one day. In only one day, I can use the mortgage loan to get these 2 billion."
One billion will be credited to your account!"
Others also echoed: "Yes, Master Wan, as long as you give us one day, we can get the mortgage loan! Please give us a little more time!"
Wan Pojun said coldly: "Grace is impossible. Each of you must make up all the arrears within an hour, otherwise you must sign an installment agreement!"
Each of these collateral members of the Ye family suddenly looked sad.
At this time, Ye Tianxiao blurted out: "Master Wan, I am willing to pay in installments!"
Everyone did not expect that Ye Tianxiao would be the first to give in. They were about to feel contempt in their hearts when they heard Ye Tianxiao continue to say: "I am willing to divide all the arrears into two installments. Within two months, I will make up all the money."
superior."
When the others heard this, they immediately slapped their thighs.
They were previously frightened by the installment fee of six thousandths, but they forgot that they could actually choose the minimum number of installments.
If divided into two installments, you only need to pay two 6000ths, which adds up to 1.2%.
In this way, it will naturally feel much more comfortable.
As a result, many people began to actively express their opinions. Some wanted to divide it into two phases, some wanted to split it into three phases, and at most they were willing to split it into six phases. Any more would not be possible.
Wan Pojun couldn't help but frown, and he guessed the intention of this group of people. They must want to make as few installments as possible first, and then seize the time to raise funds to fill the installment hole.
This way you can get rid of the high interest rate trap of installment payment.
However, Wan Pojun didn't know the specific regulations at this time, and Ye Chen didn't tell himself what the specific requirements for the installment payment method were in terms of the number of installments.
Just when he didn't know how to define it, he heard a familiar voice loudly say: "Master Wan, I suggest you give a fixed installment ratio. Anyone who cannot pay in cash and chooses to pay in installments must choose at least six installments.
Ten installments, no cap!"
Everyone immediately followed the sound and saw Ye Chen striding over, accompanied by Tang Sihai.
When these members of the Ye family recognized Ye Chen, some people immediately yelled: "Damn it, Ye Chen! What do you mean? You are joining forces with others to deceive your own family, right?"
"Fuck! I never thought that, as Ye Changying's son, you would become someone else's lackey!"
"Ye Chen! Are you a fucking member of the Ye family? Who the hell do you think you are if you cheat on your own family!"
No wonder these Ye family members are not angry.
Originally, they wanted to solve the problem within two or three installments. In that case, the interest would not be much.
But as soon as Ye Chen opened his mouth, he suggested that Wan Pojun start with sixty periods. This was simply killing people.
The interest rate for one period is six thousandths, and for sixty periods, that’s 36%!
Calculated according to the method of paying back less and less principal, after these sixty periods, the actual interest rate exceeds 100%!
Therefore, they naturally would not have any good attitude towards Ye Chen.
At this time, this group of Ye family members all regard Ye Chen as a traitor to the Ye family. In addition, they have been kneeling here since early in the morning, and Ye Chen, who is the direct son and grandson of the Ye family, is actually arrogant.
They came over and threatened to cut their flesh off, so naturally they didn't have a good attitude.
When Wan Pojun saw that this group of people dared to scold Ye Chen, he immediately became furious and wanted to call out to the Wanlong Palace soldiers to slap him.
At this time, Ye Chen shook his head slightly at him and said calmly: "Master Wan, don't pay attention to the dirty words of these villains, let them sign the sixty installment agreement first."
Wan Pojun knew that Ye Chen wanted to put on a show, so he nodded in cooperation and said, "You're right. If that's the case, then I'll ask someone to prepare the contract!"
Ye Chen hurriedly said: "Master Wan, you don't have to be so troublesome. Now electronic contracts have the same legal effect as paper contracts as long as they undergo legal electronic signatures. I happen to know a barrister who came back from the United States. Why don't I let him do it?"
When a contract template comes out, you only need to fill in the information of Party A and Party B and sign electronically to take effect, saving time and effort, and it is also green and environmentally friendly!”
When the members of the collateral branch of the Ye family heard this, they were all furious.
Ye Tianxiao couldn't help but cursed angrily: "Ye Chen! You... you are a beast! You specialize in helping outsiders to deceive your own people. You are so heartless that you are worse than a beast!"
Ye Chen sneered: "Who is your friend? Do you deserve it?"
Ye Tianxiao gritted his teeth and said: "We are all descendants of the Ye family! Who are we if we are not our own people?"
Other members of the Ye family were also filled with indignation. Some scolded Ye Chen for being shameless, while others scolded Ye Chen for recognizing a thief as his father. In short, these members of the Ye family hated him like crazy.
Ye Chen didn't take these insults seriously at all, and asked indifferently: "You keep saying that I betrayed my own people. Since you are your own people, why did you run away the night before yesterday?"
Ye Chen's question made more than 700 people present stand stunned on the spot, not knowing how to respond.
Ye Chen then asked: "Since you are one of your own, why is the Ye family in trouble? You all ignore the ancestor worship ceremony, the Ye family's kinship, and even don't care that someone wants to take away the Ye family's ancestral tomb. More than 700 people were killed in one night.
Escaped completely? Even if I released more than 700 fucking pigs in Yanjing City, they couldn't all escape Yanjing overnight!"
"On the other hand, you gang of shameless people can run faster than a dog! They all ran out of Yanjing overnight, and the fastest ones among them even took a fucking flight to leave China overnight!"
"Let me ask you, when you ran away overnight, why didn't you think we were your own people???"