blackstone code

Chapter 1372 This is Mr. Lynch's mercy!

"We have a brand new student loan!"

Sitting in a bright office, the Joy family was in a trance when they heard the insurance manager say something that they seemed to have heard not long ago.

Joey's mother reached out and took two more hard candies from the beautiful glass container by the table, peeled off one and put it in her mouth, and then put the other in her clothes pocket.

She has already hidden three, and she thinks she can hide a few more.

Although she didn't quite understand why the father and son's expressions were not good-looking after the interview was successful, she felt that this should probably be a good thing.

In fact, the sales manager had already discovered the woman's little tricks, but he didn't point it out, and he didn't think there was anything wrong with it. After all, it was just some worthless fruit candies. Compared with his business commission...even if the pot was given to this family He doesn't even feel bad.

He put three cups of coffee that cost no more than two yuan in front of the three of them, and then continued to explain, "The previous student loan regulations must be repaid within six years, which actually caused a lot of trouble to many families. repayment pressure.”

"As far as I know, there are thousands of people who can't repay the money every year, and the bank eventually takes their house."

"But everyone, don't worry, the days of being robbed by capitalists are in the past, just because of the new business we launched!"

The sales manager's conversational skills are not bad. Through comparison, people's expectations and curiosity are raised, so that they will have the patience to listen to him.

Lynch also gave lessons to these people. He gave examples of what he said to Richard and those people before, including how he told these people how to make them finish their words patiently.

In fact, in many sales, whether it is selling insurance or products, when the customers you are facing can listen to all your descriptions and have not pointed at the door to tell you to "get out", they are basically your real customers. Yes, the kind that spends money.

As soon as he combined what Lynch said with some of his own experience, he quickly became a sales manager and had his own office.

Of course, he has a steady stream of customers coming to his door while sitting here, which determines that he can't get all the benefits by himself, and he has to share it with those people in the school.

To outsiders, this may be two systems, but to Lynch, it's all his business...

To do business, you have to look like a business.

The sales manager continued, "In an unprecedented way, we have come up with a super long-term repayment plan with a minimum of 20 years and a maximum of 50 years, which is evenly distributed every month, and you don't even feel that you have paid for it!"

After hearing this, Joey's father couldn't help asking, "How much is that?"

The sales manager skillfully took out a standard document paper, and then began to list the data in detail and clearly.

"Personally, I recommend you do a 30-year repayment plan, because it's more cost-effective!"

While writing these data, he provided some plans. He also talked about the currency, consumption level, the growth law and curve chart of the minimum wage. In the end, what the family saw was that a monthly payment of only 480 yuan was close to 500 yuan. After the Yuan bill, fell into silence.

In fact, this money...doesn't seem unacceptable?

Seeing the family's hesitation, the sales manager continued to smile and said, "This is a four-year full tuition plan. In the fourth grade, you will basically enter the social practice, and there will be no fees, so it only has Ninety thousand."

"If you have some deposits of your own now, and reduce them accordingly, you may only need to pay more than 300 yuan per month."

"But remember what I just said?" He looked at the Joey family, "Inflation, consumption levels, remember?"

He just gave the family some economics knowledge, and seeing them nodding, the sales manager continued, "Think about it, 20 years ago, how much was a person's monthly salary?"

Joey's father was stunned for a moment, and subconsciously answered, "The minimum is 86 yuan and 35 cents..." He also turned his head to look at his wife and explained why he knew this detailed number, " My first salary!"

The sales manager nodded again and again, "Yes, it's only more than 80 yuan, but now?"

Before Joey's family could answer, he asked himself and answered, "York State's revised state minimum hourly wage law this year has increased to 270 nine yuan."

"Bu Paine's side has exceeded 320 yuan, sir, ma'am, do you know what this means?"

"This means an increase in our cost of revenue!"

"Actually, I personally highly recommend you to choose this 30-year full student loan. Maybe you will feel that its repayment is a little bit difficult at first, but please believe me, it is not repaid."

"When your child has a good job after graduation, maybe he can repay this part of the loan with his own salary."

"Adding what I just said, our minimum hourly wage may be four to five hundred or even five to six hundred in ten years' time!"

"In 20 years, the 500 yuan here may be less than half of our minimum wage!"

Joey and his dad felt as though...it made sense, because that's what was happening.

Joey's father couldn't help but said, "Now the minimum hourly wage is adjusted almost every year, and it's increasing every year. It's more than a dozen yuan, twenty yuan, and more than 200 yuan in ten years..."

He found that these actually matched what the insurance manager said!
The change in eyes was captured by the sales manager, "Look, I'm not lying, it's just a few years of hard work. When the child graduates from college, everything will be fine."

"And I believe that you also have some savings. In fact, for families like yours, there is not much repayment pressure!"

At this time, Joey suddenly asked, "Then why don't you talk to us about 50 years?"

"According to what you said, in fact, 50 years will be better!"

The sales manager shook his head, "You're a smart kid, no wonder you can go to college..."

This little compliment made Joey very happy. It was much more pleasant than complimenting his girlfriend who didn't know how many hands was beautiful and youthful!
"But, you have to understand that what I'm talking to you is based on Mr. Lynch's help to you!"

"Mr. Lynch didn't have the money to go to college at first, just like you, so he knows how it feels, and that's how we get our student loans."

"It was built so that more people would not lose the right to chase their dreams because they don't have enough money in their pockets, these are the exact words of Mr. Lynch."

"Help, it doesn't mean that Mr. Lynch is a fool. In fact, if you want to apply for a 50-year loan, I'm very happy, because my commission will be more, but your actual repayment pressure will not decrease, but will increase! "

"And such a plan may only be temporary, maybe next year, maybe the next year there will be some changes, such as an increase in interest rates, or a change in the repayment period..."

He listed another series of data, "If your total repayment is about 30+ in 10,000 years, then your total repayment in 50 years is about 35+..."

Listing out a large series of numbers, the whole family broke out in cold sweat!

However, they are still a little hesitant, because now if the repayment is based on 30 years, they need to repay 18 yuan, which is a little more than double the tuition fee of 8 yuan they actually calculated!
The sales manager knows he's said enough, and talking about it can only be counterproductive, and some people are just cheap.

You talk to him well, he thinks you cheated him, but if you just ignore him, he will beg you instead.

"You can take these materials back and think about them. There is still some time before you leave school, so you don't have to make a decision in such a hurry."

He raised his wrist and glanced at his watch, "And our time is almost up, there are other people outside."

Joey's father, who originally wanted to think about it, became inexplicably nervous at this time, "Can we come to you anytime to apply for this loan?"

The sales manager nodded with a smile, "Of course, any time is fine. This is a long-term business."

"However, I need to remind you that the enrollment quota of the new university is already full. If you take up all the places because others pay tuition fees in advance, you will miss this opportunity."

"Even if you don't use the money to go to college by then, we still need to perform according to the contract..."

Joey's father was taken aback for a moment, "Can you still...pay in advance?"

The sales manager smiled and didn't say anything. He just told the family with his eyes and expression that you can go out.

Joey's father wanted to say something more, but the sales manager interrupted him, "Our time is really over, if you have anything else you want to talk about, we can talk about it after I have finished receiving other people."

"Don't worry, even after get off work, I will wait for you!"

The Joey family could only leave first.

As soon as he went out, the other family couldn't wait to walk in, which made Joey's father feel anxious and held his breath!
He was a little embarrassed, "I should have made a decision just now..."

In the next room, a family of three was sent out by the sales manager. It seemed that they had signed a student loan agreement, which made Joey's father even more nervous.

Joey got nervous too, but he didn't say anything.

The family went to a corner and began to discuss what to do.

"Now there are two methods. The first method is the full amount. In 30 years, we will have to repay almost 18."

"Another method is the difference. We can pay it ourselves first, and the insurance company will pay for the shortfall."

Joey's mother touched the fruit candy in her pocket, she was slightly taken aback, "If we pay first, wouldn't there be no money in the pocket?"

"Now that the tax rate is so high, our store can only maintain no loss. No one knows how long the war will last. If we have no money..."

At this moment, Joey's father suddenly felt that what his wife said was right, he gritted his teeth, "Then pay the full amount!"

(End of this chapter)