blackstone code

Chapter 1788 Blackstone Bank, care about your life!

The father and son returned home in the rain, took off their coats and hung them on the balcony. They lived in a single-family house.

Although the word "single-family" is very high-end, in fact, many poor people in the Federation live in single-family houses.

In the Federation, the grade and geographical location of the community are the core indicators that determine the price of real estate, and it will not be a question of whether the house is detached or not.

And a detached house does not mean a villa.

Like an apartment on Bupain Financial Street, the value of sixty or seventy square meters is hundreds of thousands, but outside the ring, a single-family three-story house with a fucking basement and yard may only cost one-tenth of its price , or even less!
To the federal people, land is worthless.

In some areas, there are even laws stipulating that if ordinary people build a house on land without clear ownership, that is, on non-private land, live there for a certain number of years, and maintain the environment around the house.

Then the house and the land under the house belong to the current occupants of the house.

So houses on the outskirts of the city are worthless.

The family lived away from the city center, also to save some money.

When the land was bought, it cost more than 1 yuan, and there was only one empty land, which added up to 130 square meters.

The real estate agent marked a rectangular area with lime on the ground, and then they went to get the wood by themselves, and asked workers to help them, and finally built the house.

This is also the life of many low-level people. They buy a piece of vacant land and build a house by themselves, just to save money.

In fact, rich people sometimes do the same thing. What they enjoy is the fun of building a house.

In a better location, if you buy a piece of land, the real estate agent will send you various prefabricated building materials and rent some construction machinery.

All they have to do is assemble these building materials into a big house!

Of course, if they play for a while and don't want to play anymore, the real estate agent will help them build the house. All the apartment types and appearances are designed early in the morning...

When the father and son returned home, the middle-aged man's wife asked them the result with concern, and the husband revealed his decision.

The woman's expression suddenly became a little strange, but she didn't burst out immediately, but kept silent.

Sometimes people don't need to say or do anything to express their emotions and opinions.

Getting along is boring.

At night, the old man heard a quarrel from another bedroom on the second floor, and he sat up from the bed.

He didn't turn on the light, just sat quietly by the bed, the bright moonlight shone on him through the glass window.

He picked up his wife's photo frame on the bedside and put it on his lap. Seeing his wife smiling, he felt very sad.

The faint quarrel in my ears has never been heard, and the neighbor's dog is also barking.

The old man sighed.

He stroked the face of his "wife". When she was alive, he didn't feel how much he loved this woman.

Sometimes he would find her annoying, but after she left, it was as if a piece of his heart had been lost.

"Why...you didn't take me with you when you left?"

A tear fell on the photo frame, and the old man was silently sad in the middle of the night.

His dominance and control over this family in the past has become a thing of the past as he gets older!

Now he is no longer the highest "king" of the family, he is just an old man...

The next morning, he opened the door and saw his son. He wanted to say something, but he didn't know how to speak.

Breakfast was dull.

Everyone was silent, and the atmosphere was extremely suppressed.

On the way to work, his son grabbed his hand tightly, "I have already negotiated with her to sell the necklace and borrow 3000 yuan, so that we can pay it off in one go."

The old man was no longer happy at this time, but just a kind of indescribable bleakness, he shook his head slightly, "Let's forget it."

"As it is now, it's actually pretty good..."

The middle-aged man continued as if he didn't hear it, "I calculated, if we pay it before the 25th, then on the 25th, you can get 170 six yuan."

"You can get a pension of 2000 yuan in one year, and you can get it all back in five years!"

"And you have other wages, so your income will be higher than mine!"

Yes, with an extra 170 yuan, even if the factory gave the old man the lowest standard, he would suddenly be higher than his son.

"This is a very good deal. I have listened to you before, but this time you have to listen to me."

The old man's lips trembled, but in the end he didn't speak, and remained silent.

The middle-aged man realized that the quarrel between their husband and wife might have been heard by the old man last night, and then he said as if comforting or explaining, "...she is a woman, don't listen to her stupid things, this family We still have the final say!"

The old people finally agreed, because they are very clear that, compared with pensions, the qualifications and reimbursement for purchasing medical insurance drugs are more important, which can save them a lot of money.

After work, the father and son went to a nearby bank, but unfortunately, the bank rejected their loan.

The reason is very simple, they have not yet received an explanation of the relevant business type, that is, loans to pay pensions.

Generally, when going to a bank for a loan, there will be a process similar to an "interview", which is almost the most standard process in the federal government.

In the individual face-to-face process, the bank staff in charge of the loan will have a deeper understanding of the usefulness of the lender's loan.

For consumption, for buying real estate, for financial investment, or for something else.

Among them, the probability of being used to purchase real estate is the highest, and there will always be a market for real estate.

But consumption and the like require the lender to have a certain background, like financial investment, and banks need more detailed reports.

Today's loan content is to use money to pay social security funds, and the lender does not know whether this matter can be operated.

But there is an unwritten unspoken rule, or consensus, in the bank——

If you don't know whether the business loan in your hand can be approved, then it must not be approved!

This is a summary of experience full of wisdom. In fact, in a place like a bank, what can be done has been very clearly told to every employee.

Since they don't know whether they can do it, that is to say, the bank didn't tell them that it can be done, then it must not be done.

Disappointed, they visited several banks, including the Federal Reserve Bank.

The same answer, they have not yet opened such services.

The main thing is that they are not sure how much risk there is, and the actual lender is an elderly person, in case he dies unexpectedly, gets sick, or whatever.

How to recover this money?
At the same time, if they approve, more similar businesses will come to your door soon, should they approve or not?
Before finding a suitable process, everyone dare not take risks, unless——

They mortgage their property.

Pledging the real estate for 3000 yuan?

Maybe they will agree, but not now, but finally.

After running for two days in a row, I found several established banks, but they all refused to loan, until they passed by a Blackstone Bank...

Blackstone Bank has risen to the level of the seventh largest bank through several major political events, but it still does not have much reputation in the middle and lower classes.

People are still stuck in the "six big banks" period, and Blackstone Bank's expansion speed is not fast, and even fewer people know about Blackstone Bank!

In fact, both father and son walked into Blackstone Bank without any hope.

The pink-brown mirror marble floor reflects the gilded crystal chandelier on the ceiling, and the decoration is as luxurious as walking into a palace.

The spacious office hall is even more magnificent, and each work unit has a vegetation wall as a partition, so as not to affect each other.

The surrounding semi-enclosed office seemed very busy, with people flickering constantly.

The father and son hesitated a little.

At this moment, a staff member greeted him, "Gentlemen, thank you for choosing Blackstone Bank. What kind of business do you need to handle?"

The father and son looked at each other, and the middle-aged man said shortly, "We... want to take out a loan."

Loans, banks love this best.

The staff immediately ushered them into a work booth and let them sit on the sofa.

Their clothes were ordinary, and the sofa didn't look cheap. The staff didn't mean to look down on them, but warmly brought them coffee.

Immediately afterwards, the staff responsible for the specific business began to take over, and they seemed to have entered the state.

When the old man proposed that he, as a specific lender, wanted a loan to pay social security funds, the bank staff did not refuse!
During the Great Depression, in order to stimulate consumption, the Financial Supervisory Commission and the six major banks announced that they would implement personal credit loan business in the federal territory without any collateral.

As long as the lender has no probability of crime, has no problems with paying taxes, and has a complete family and job, he meets the basic conditions for credit loans.

The six major companies that ran before all rejected them because the purpose did not meet the conditions, but here, they passed the seemingly most difficult part!

Both of them became a little happy, and the old man didn't even forget to ask a few more questions, can someone like himself get a loan?

The staff smiled and gave him an affirmative answer.

"Your loan qualifications meet the loan standards. When I called just now, I was inquiring about your personal credit problems. There is no problem with 3000 yuan."

"However, because you are relatively old and your repayment ability is limited, if you want to get this loan, you need a guarantor to guarantee you."

"Once you fail to repay the money, then the corresponding debt of the loan will be assumed by the guarantor."

The staff looked at the middle-aged man, "Are you a family?"

The middle-aged man nodded subconsciously, "This is my father, can I be a guarantor?"

The staff smiled and said, "Of course!"

(End of this chapter)