blackstone code

Chapter 114 Buying a car, taking a loan, selling land
A white shirt that is one size smaller, and a thin waistcoat on the outside, which is more beautiful while taking into account the professionalism. The dark gray skirt on the lower body is indeed a bit short, but this kind of dress is now gone. It's become very common.

It's hard to find a job now, and everyone has worked hard.

Lynch glanced at it, nodded his head, and looked at the girl's chest...the badge on her chest, which said the title of "Sales Manager". This may be the cheapest privilege that ordinary people can enjoy. Bar.

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

She held a writing board in her hand, and put a pen on the writing board in the other hand. She looked very professional, and she was also asking Lynch about his car buying preferences.

This is a very common small method. Recording the customer's preferences in front of the customer will make the customer feel that he is valued. In fact, this "value" will be resold to some consultants soon. Investigation agencies, as well as car manufacturers, maybe this is indeed a kind of attention, but this kind of attention can be sold for money.

For customers like Lynch who buy luxury cars, their "valuation" can be sold at a higher price.

Lynch mentioned a few requirements, it should be beautiful, generous, serious and dignified.

With these few requests, the girl immediately became interested, and she led Lynch to another exhibition hall, where some of the more famous luxury cars in the Federation are parked, most of them are sedans.

The price of cars is higher, and the audience in social groups is wider. Even the car of the President is a luxury car, which makes people believe that cars are suitable for formal occasions. Not those commercial vans with strong "cost performance".

People's understanding of a commercial van is often derived from its suitability for family use, so even if a commercial van is not inferior to a sedan in terms of materials and technology, it will be much worse in price because it is not formal enough.

A large number of luxury cars were placed together, and Lynch was a little surprised to see that the girl could name and make them without hesitation. In Lynch's opinion, these cars are actually similar.

It may be limited by the current industrial process, or it may be the current people's aesthetics and other issues. Generally speaking, there is not much difference in the style of cars. Some cars of different brands cannot even be distinguished from the appearance. different.

This also made Lynch's desire to choose a car much 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 wasn't too bad. He turned to look at the sales manager.

The joy on the sales manager's face disappeared in a flash. It is rare to see such a generous customer. With a hint of expectation, she asked cautiously, "Sir, what is your budget?"

Lynch smiled. The handsome boy's smile is always so sunny, and Beth's eyes are a little dazzled, "It must be able to meet my requirements, try to be as good as possible, and don't want those entry-level cars."

He didn't answer the request about the budget directly, and Beth almost knew it, and immediately led Lynch to a bright silver car. This car is indeed a bit different from other cars, and its front engine compartment is longer. , the entire slave body is also longer.

Obviously it should make people feel its incongruity, but it gives people an indescribable aesthetic feeling. Maybe this has something to do with its mirror silver car paint.

"This is the latest and most luxurious model in the House limousine series. Some domestic stars and dignitaries bought it right away, and its price is less than [-]. It is definitely your best choice. Appropriate choice."

Lynch looked at it briefly, and under Beth's introduction, he also got on the car to experience the leather fully-surrounded rear seats and the flattening function. It was even equipped with a record player and the function of listening to the radio. Listening to the radio is definitely an enjoyment that only luxury cars can have.

"How much?" Lynch patted the car body and added, "I don't like some parts, can anyone here modify it?"

After a period of friendly negotiation, Lynch finally bought the car at a price of 12 yuan. After rejecting the request of Beth’s manager to deliver the goods to the door, Lynch drove the car directly and left the car sales center. , went directly to the bank and found Joe Griman.

When he found Joe Griman, Joe Griman was chatting with his subordinates. He has been in a good mood recently. The state branch has called him twice in the conference call to praise him for his outstanding performance during this period. He also called on everyone to learn from him.

Some people even asked whether he could take over the position of the local governor. Once this kind of thing that he had never dared to think of before became a reality, he would immediately be able to enter the upper class of society, and all of this was due to the young man Lynch. brought.

When he heard that Lynch came to visit him, he immediately expelled other people in the office and led Lynch into the office himself.

He opened the box on the table, picked out a solid color and handed it over, and asked casually, "Is there anything I can do for you?"

There was a sense of intimacy and joy in his words. Lynch cut the two ends of the paradise, and Joe Griman immediately took the initiative to light the pure color for him with a blowtorch.

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

Although he acted as if everything was easy to talk about and easy to handle, when he really entered the work, he would immediately become serious and careful.

After reviewing the material and the complete tax certificate, he looked up at Lynch, "If you want to buy a car, you can actually come to me, I know local dealers, and they 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. Except for some special best-selling models, most luxury cars are in a state of slow sales.

Car manufacturers and sellers have a backlog of a large number of cars. These cars cannot be realized quickly and also drag down their liquidity. In order to solve these problems, they often mortgage these cars to the bank and use the bank's mortgage loan to ease the financing. pressure.

Joe Griman can easily get a very low discounted price. Those who want to borrow money from him and want to lower the handling fee must express it.

This kind of operation that is not considered a violation will not be pursued. It is just one of the many benefits for practitioners in the banking industry. They can always have a good relationship with the company.

Lynch shook his head and took a puff of smoke, "I'm applying for a low-interest loan, a car worth 12 yuan, how much can you give me?"

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

After he hung up the phone, he said with a smile, "I will try my best to give you a reasonable price. We are friends, right?"

Lynch nodded, and he raised his hand holding the solid color, affirming Joe Griman's words, "We are friends."

Bank valuations are often not based on the sales price of a commodity. In their hands, things worth 100 yuan are often only worth 50 yuan or 60 yuan.

However, there are some things that cannot be operated, such as valuation errors, such as real-time price fluctuations, and many methods that can cause some errors in valuation and final results. This is normal, and the annual bad debt indicator is to deal with these situations. .

If these indicators are used, the people above will not reprimand Joe Griman for his mistakes in work, and the loan department itself has great risks.

A few years ago, the price of one carat of Valcido gemstones was about 2000 yuan, but suddenly a huge Valcido gemstone mine was discovered in the local area, and the price of all gemstones on the market dropped from 2000 yuan per carat to 200 yuan. One carat.

This is something that no one can reverse with their personal ability, and the bank must have suffered a lot. Jewelry has always been the most popular collateral, and I have not heard of any bank criticizing the acceptance of these gems. Dealer.

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

So no matter whether you use it or not, it will not have any actual impact on yourself, why not use it?
Therefore, no one will pursue these allowed mistakes. As long as they are not excessive and do not exceed a threshold that everyone agrees with, no one will actively talk about these work matters.

Soon, Lynch signed a mortgage contract, and then 12 in cash was directly transferred into his account. He needs to pay the bank 100 yuan in interest every month until he repays the money or cannot afford it. the money so far.

This method was not invented by Lynch. In fact, it had already existed 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 Griman, he once again deepened the connection with Lynch through this trivial matter.

As for Lynch, he bought a luxury car worth 150 yuan at a price of 10 yuan a month, and no one suffered a loss.

After talking about these little things, Lynch talked about his real reason for coming. He planned to sell the current land of Sabine City Professional Football Club.

If this piece of land remains in his hands, he will not have the funds to build a new club outside the city, and he will also lack the start-up funds for his plan, and the financial crisis is imminent. If he does not sell it now, why wait until it is worthless? drop?
(End of this chapter)