Super Car Sales System

Chapter 212 We Have No Credit Loans
Chapter 211: We have no credit loans
The second-hand car dealers designated by financial companies are generally strong, and will not be the kind of small car dealers who rent one or two parking spaces in parking lots or showrooms.

Some also require customers to purchase models with a mileage of no more than 12 kilometers and a vehicle age of less than five years.

There are even requirements on the financial income of the lender, if it is less than twice the monthly repayment amount, it will not work.

The financial company also has its purpose in doing this. First, it screens out those customers who are not strong enough to repay the loan on time. Second, it guarantees the quality of the vehicle, ensuring that if the customer fails to repay the loan in time, the financial company will not take the car back. Will lose too much.

There are also disadvantages in doing so, that is, relying on their monopoly position, these designated car dealers will let the lender purchase the designated insurance, and the purchase period is not less than the loan period, which can make a lot of money while ensuring the safety of the vehicle commission.

Also, some financial companies require that the vehicles purchased by customers cannot be used for business operations, but can only be used as private cars. After all, the operating vehicles are replaced 24 hours a day without stopping, and the condition of the vehicles is very bad.

"So many restrictions?" Wang Yang smiled wryly, as expected, there will be no pie in the sky.

"Yes, there are indeed quite a lot of restrictions, so no matter which financial company you apply for a loan, ask all the attention requirements before you get a loan, so as not to tell you that you have these requirements later, and it will be too late to regret it at that time."

Wang Yang asked curiously, "Where does Zhenghong Automobile require you to buy insurance?"

"No." Fang Yuan explained that because Zhenghong Automobile's performance was not good in the past, and the store manager, Manager Sun, didn't care about installment loans. For local insurance, you only need to meet the requirements of Zhenghong Motors.

"Good opportunity." Wang Yang burst into laughter. He had listened to Fang Yuan's introduction very seriously just now, and guessed that Zhenghong Automobile Company would also have restrictions on the types of insurance, but he could find any insurance company he wanted. The insurance company also does not need to pay any insurance deposit, which saves a lot of money.

"It's really a good opportunity." Fang Yuan felt that there are very few installment payment terms for Zhenghong Motors at present, and suggested that Wang Yang must seize this opportunity.

"En." Wang Yang nodded heavily. He hadn't been in contact with Fang Yuan for a long time, but he felt Fang Yuan's sincerity, thinking that he was sincerely for his own good, otherwise he wouldn't have said so much.

Wang Yang let out a long sigh and began to confide in Fang Yuan. At the beginning, he was a little undecided because he didn’t have much money. He didn’t know whether to buy a low-priced car or go to a 4S shop to buy a better car by installments.

Later, Lu Hongjuan, a waiter in the store, bought her son a luxury car for only 20 yuan, and he became very interested in second-hand cars.

Especially after seeing the Nissan Altima, he was stunned. It completely overturned his understanding of old, worn-out and old second-hand cars, and he felt that he could also buy a higher-grade model with very little money.

After having this idea, Wang Yang has been waiting for Fang Yuan's arrival, or let Lu Hongjuan take him to Zhenghong used car dealership to find Fang Yuan.

"To be honest, I was so happy to see you at the hotel yesterday." Wang Yang looked at Fang Yuan with excitement on his face, "The fact is the same as what Lu Hongjuan said. I am very satisfied with the model you recommended. I think You won't cheat me."

"Brother..." Fang Yuan hesitated for a while, and finally said, "You have a mortgage now, if you are not in a hurry to talk about a girlfriend, there is actually no need to buy a car..."

"I'm in a hurry to buy a car now, and I want to buy a higher-end model, because I don't want to live my life in ignorance, let alone live my life poor." Wang Yang sighed again, he didn't seem to hear Fang Yuan just now The question, the answer is a bit irrelevant, "I am a manager of Tianyu Hotel, I have contact with more people, I know that people are divided into three, six or nine grades, and each class has a circle of each class..."

Wang Yang told Fang Yuan that he had come into contact with an elite circle. Once this group of people came over for dinner, Wang Yang overheard them analyzing the recent stock market conditions, and agreed to withdraw from the stock market.

Knowing their identities, Wang Yang immediately cleared his stocks secretly. Who knows that the stock market really plummeted after a while, and Wang Yang escaped perfectly because the liquidation was timely without any loss.

From then on, Wang Yang felt the power of others, and wanted to find a circle to join in.

However, not to mention that I have no contacts, no house, no car, people don't care if you get close, they won't bring me to play at all.

That's why Wang Yang changed his previous living habits, took out all his savings and paid the down payment in a better neighborhood, and then thought about buying a better car.

"That's it." This time it was Fang Yuan's turn to suddenly realize that Wang Yang used the house and the car as a stepping stone to increase the chance of integrating into those small circles.

Fang Yuan thought of people like Zhou Bing and Wang Zhi. If he hadn't introduced them to the car model, he probably would never have gotten to know each other in his lifetime. After all, life paths are different, let alone integrate into their small circle.

After Wang Yang said so much, the depression in his heart was released at once, and he felt very relaxed. Fang Yuan took the initiative and said, "The terms of a second-hand car loan are similar to those for buying a house, right?"

"It should be about the same." Fang Yuan used Zhou Bing's channel to buy a house with a loan, and he didn't deal with the bank, but he thought it should be about the same.

Fang Yuan is very familiar with the procedures of second-hand car loans. He told Wang Yang to prepare six-month bank statements, ID card, original and copy of household register, car purchase agreement, contract or letter of intent signed with the dealer, how much down payment success, the interest rate of the loan, etc., and said that when he went to Manager Sun to go through the formalities later, he would be more detailed than what he said.

In the end, Fang Yuan told Wang Yang that some of the current car loans are pure credit loans, and there is no need to mortgage the big green book, which is the motor vehicle registration certificate, or purchase tax invoices, car purchase invoices and other documents, and there is no need to install GPS positioning, the insurer Also the owner's name.

However, the procedures of Zhenghong Motors may be a little troublesome, and the green book may be pressed, and the insurer will be written as a financial company. As for GPS, Fang Yuan probably does not need to install it now.

To be honest, Fang Yuan felt that adding GPS and pressing the green book was to prevent the good guys but not the bad ones. People with really bad intentions could cash out the car at a low price without the green book, and it was of no great use.

Fang Yuan reminded Wang Yang that although the car can be driven away after completing the loan procedures, the ownership of this car belongs to Zhenghong Financial Company, and all these are recorded in the vehicle management office.

After repaying the car loan, you must remember to go to Zhenghong Financial Company to get back the big green book and other mortgage documents.

Then take the big green book and other relevant materials to the vehicle management office to apply for the release of the mortgage relationship. After completing the procedure commonly known as "release of the mortgage", the car truly belongs to you.

During the repayment of the car loan, the first beneficiary of the insurance is Zhenghong Financial Company. After the "release", the name of the beneficiary must be changed back. Otherwise, in case of an accident, the insurance company will pay the money to someone else's account. It will definitely take a lot of trouble to get it back.

"It's quite troublesome." Wang Yang felt that the procedures were cumbersome, but he still nodded his head and was very grateful to Fang Yuan for explaining everything.

"If it is a pure credit loan, there are not so many procedures, as long as the repayment is on time." The procedures are cumbersome, and Fang Yuan is also very helpless. He can only apply for simplification to the group headquarters later. They are just small branches. The company has no way to call the shots.

Wang Yang targeted the 03th generation Honda Civic and Lynk & Co [-] for car purchases. Through Fang Yuan's introduction, he now knows the advantages, disadvantages and common problems of the two cars. Fang Yuan explained clearly what to pay attention to.

Wang Yang felt that he had everything cleared up, and it was time to make a final decision on what model to buy.

"I think the quality of the Honda Civic is reliable, the space is large, and the cost of maintaining the car is low..." Wang Yang made up his mind and told Fang Yuan that he wanted to buy the tenth-generation Honda Civic
"No, I think this Lynk & Co 03 Pro version is more suitable for you." Fang Yuan shook his head slightly, seriously denying Wang Yang's idea.

"Why?" Wang Yang was depressed. Lynk & Co 03 is obviously cheaper. It has a small space and must be filled with 95 gasoline. The cost of using the car is higher. Why did Fang Yuan suggest buying it instead?

"Our car dealer's Honda Civic sells for 13.98 yuan, and the Lynk & Co 03 Pro version sells for 13.58 yuan. There is not much difference between the two. I recommend the one that is more suitable for you." Fang Yuan explained that Wang Yang wants to have a girlfriend in the future , and even want to use it as a stepping stone in the future, so the appearance and interior of the model are either high-end and elegant, or low-key luxury with connotation.

Not to mention attracting everyone's attention like Rolls-Royce, Bentley, and Lamborghini, at least it can't be disgusted by others.

This Lynk & Co 03 Jin pro version is not low in appearance, and it is blessed with a sports kit. It can be said to be crazy handsome in appearance.

Its interior is exquisite, the materials used are not bad at this price, the large central control screen and other configurations are very high, at least it looks luxurious and high-end.

In addition, this Lynk & Co 03 Jin Pro version has a zero-to-hundred-acceleration speed of 7.9 seconds, and the handling is also good. If you follow a companion's luxury car, you will not be left too far behind.

Geely's car is good, but if this car is a Geely logo, Fang Yuan will definitely not recommend it to Wang Yang, but the Lynk & Co logo, which looks like Martian script, is the reason for the first recommendation.

"So that's it, okay, I'll buy this Lynk & Co 03 Pro version." Wang Yang immediately understood Fang Yuan's meaning, smiled gratefully at him, and lamented in his heart that Fang Yuan was not the kind who wanted money desperately. People who only recommend the most suitable models to customers.

Wang Yang happily decided to buy the red Lynk & Co 03 Pro version. Fang Yuan led him to the manager's office to find Manager Sun to complete the formalities.

The two had just walked to the door of the manager's office when a burst of loud laughter came from inside, and then Ma Li and the others, who were all smiling, finished the formalities and walked outside.

Seeing Fang Yuan and Wang Yang coming together, Ma Li and the others quickly realized that Manager Wang was also here to go through the formalities, so they all looked at him curiously: "Manager Wang, what car did you buy?"

Fang Yuan didn't say a word, and even took a step across to the right without any trace, leaving Wang Yang alone to face the employees under him.

Wang Yang smiled slightly and didn't speak, but turned around and pointed to the red Lynk & Co 03 Pro version not far away.

Ma Li and the others followed where Wang Yang's arm was pointing, and a red car appeared in front of everyone.

The color of the Lynk & Co 03 Pro version is bright and eye-catching, the front face is full of murderous fighting power, and the split headlights are stunning and publicized...

Ma Li and the others froze in place for a moment, staring at the front without moving.

After a long time, Ma Li and the others looked like robots. Their heads turned to Wang Yang, and then they looked at the Lynk & Co 03 Pro version. Their eyes were on Wang Yang's face and Lynk & Co 03 Pro version. After going back and forth several times, they exclaimed together: "It's so handsome, it's so beautiful..."

Ma Li and the others regained their composure, and ran towards the Lynk & Co 03 Pro version like a tide.

Surrounded by this Lynk & Co 03, some people touched the flamboyant car paint with their hands, some stood in front of the front of the car and looked down at the stunning and handsome front face shape, some people opened the door and were slightly shocked by the luxurious and high-end interior a handful of...

Ma Li has been staring at the square black car logo above the hood of the Lynk & Co 03 Jin Pro version. After carefully looking at it for a long time, she couldn't figure out what brand it is, so she shouted at Wang Yang with a confused face: "Manager Wang, this is Foreign brand?"

Another employee also asked Wang Yang curiously: "The appearance is so beautiful and the interior is so luxurious, so it must be expensive?"

"It's not expensive, it's not expensive." Looking at the ecstatic looks of his colleagues in the distance, the smiling Wang Yang gave Fang Yuan a thumbs up and threw away a smug look before turning around and walking towards out of the manager's office.

After sending Wang Yang into the manager's office to explain the situation, Fang Yuan walked out quickly, and suddenly found Liu Liang and the others who were not receiving customers, chatting not far from the door.

Seeing Fang Yuan coming out, the four salesmen quickly walked towards Fang Yuan and surrounded him tightly.

"Manager Fang, you are so awesome. You just sold six cars within two hours of work."

"It is estimated that Manager Fang's sales volume today can break the record of Zhenghong Motors."

"The previous record was also kept by Manager Fang. I remember it was seven."

Liu Liang and Fang Yuan had the best relationship. He approached Fang Yuan excitedly, and said cheerfully, "If you keep this momentum, it's not a dream for you to earn a million dollars a month."

"A million dollars a month?" Fang Yuan was taken aback by Liu Liang's words. When he was thinking about how much money he could earn a month, Zhao Daming asked with wide eyes, "Manager Fang, if you make a million dollars a month, how do you spend it?"

"I think Manager Fang can basically realize the freedom of property. No matter where you go, you don't have to worry about the price. You don't need to worry about what you buy, eat, play and do anything." For a first-class hotel, when it is cheap, it only costs 1000 yuan a day. The deputy manager earns one million yuan a month, and the monthly subscription only costs 2 yuan. You can also negotiate discounts with the manager. It is estimated that more than [-] yuan is enough. If you are a member, you can even include afternoon tea and dinner.”

"Manager Fang, if you are poor at cars and rich at watches, I suggest you buy the Lux Green Water Ghost, which is only about 10 yuan. You can buy one piece a month, every month, and make up the twelve constellations." Song Wei told Fang Yuan I made a suggestion, "If you don't like Rolex, you can buy Vacheron Constantin's Across the World. The counter sells for 15, and it only costs 8 to find a purchasing agent."

"Eighty thousand? Brother Song, why do you look down on me?" Liu Liang yelled at Song Wei, "Fang Yuan earns a million dollars a month, why do you care about the price difference of tens of thousands?"

(End of this chapter)