My name is Bai Xiaozi

Exercising in the gym was really not very good at the beginning, but gradually I found some feeling under the guidance of the coach.

In this way, after about ten times of exercise, I have been able to withstand the training that I could not bear before. Of course, it is still far behind those who take exercise as a drink of water.

The coach also kept saying that I bought too few classes, and I didn't feel anything even if I finished them.

At the beginning, I was able to stick to my point of view and decided not to buy courses anymore, but I still couldn't help the coach to persuade me again and again, and finally bought another [-] courses.

Some people have said that some things cannot be started at the beginning. Once there is one time, there will be a second time and a third time. The same is true for buying courses.

?Since I bought a course, the coach will always ask me to buy a course and recommend me a new course.

Unknowingly, the classes I took here changed from two types of classes at the beginning to five types of classes, namely routine, stretching, boxing, yoga and swimming.

?Every time I don’t want to buy a course or use the reason that I don’t have money to buy a course, the coach will always ask me, do you have a microloan or loan, and then force me to open the loan software to check the amount. Will call me to brush.

The coach also fooled me and said, just keep the money with them, and if you think it’s not good, you can withdraw it.I also believed the coach's words, and didn't read the private training contract carefully. In fact, I found out when I wanted to withdraw from the class. The contract clearly stated that a 30.00% liquidated damages would be charged for the refund.

In this way, I have swiped all the lines of the two loan software here, but how to repay the money has become another problem.

Just when I was worried about how to repay the small loan, a phone call came in.

Claimed to be working for a lending institution on the phone and asked me if I needed credit.At that time, I didn't know what credit was. After his introduction, I generally knew that credit was loaned by banks or lending institutions to companies with relatively good integrity, and the loan interest rate was relatively low.

He promised that he would be able to get a loan, as long as he got a business license and applied for an official seal. Their agency can handle all these on behalf of him, as long as there is no problem with my personal integrity, it will definitely be done.

At that time, I was also in a hurry to go to the doctor, and I owed so much money all of a sudden, I didn't dare to tell my parents.

After discussing with this staff member, I decided to take out a loan of 20 yuan from them first, and pay it back in three years, so that the monthly repayment is about two-thirds of the original amount.

After an appointment, I came to their company.Their company is not very big, just a few offices.

But basically every office seems to have customers, everyone looks very busy, find an empty office to sit down, and the manager who contacted me came after a while.

"Mr. Bai, you are here, please sit down first. Before we talk about things, I have something to tell you first. You know that we are also a service-oriented enterprise here, and we also charge for doing things for you. You should understand that."

"How much will it cost?"

"About 15.00 percent."

"It's so much."

"Actually, it's not much, Mr. Bai. If you think about it this way, the three-year loan is 15.00%, and it's only 5.00% for one year. No matter how much bank interest is added, it's like 20%. 15.00% a year, and how much is the interest on your microloan? 3%! Don’t you think it’s not much at all? Besides, you’re only borrowing [-] yuan, and the [-]% is only [-] yuan.”

? "But I didn't have money to go this way, but I don't have money to pay you."

"Don't be nervous, our side is like this, if the loan is not approved, there will be no fee. Only when the loan is approved and the money is available for use in your account, we will charge again."

?So under the advocacy of this manager, I signed a corresponding contract with them, and accompanied him to the bank to conduct the so-called credit investigation.

I typed out several pieces of paper from the credit investigation, and the manager looked unhappy after reading it. He said that I have inquired too much about small loans recently, and I am afraid it will be difficult to obtain credit.If you are in a hurry, wait half a year to a year, and then there will be less inquiries on the credit report.

But I said that I might not be able to repay the loan next month, and it would be annoying if I couldn't get the money.

So, he proposed another plan. He said that if I was in a hurry to spend money, I could consider going another way. I could mortgage the real estate under my name, but the minimum real estate mortgage starts at 50.

?I was a little scared when I heard about the property mortgage. I said let me think about it.

?After I went back, I thought about it and thought about it. I didn't know that my nerve was wrong, and I made a decision that I regret for the rest of my life: Mortgage the property.

Because my house already has a loan, so I can only do a second mortgage.Originally, there was a loan of about 50 yuan, and the value of the house far exceeded this amount. There is no problem at all with a second mortgage of 50 yuan.Moreover, there is only my name on the real estate certificate, which is relatively easy to do.

?The manager helped me find a bank with a relatively low loan interest rate, a three-year loan, minus the small loan to be repaid, and their fees, I still have 20 in my hand.

I went to the bank several times, talked with the bank manager several times, confirmed the repayment amount, repayment method, etc., and finally signed a contract with the bank.

? Even so, the process is not too slow, but it will take more than a month to wait for the money to come down.

?The transfer of the money in the middle is also a bit thrilling, because of relevant regulations, this money can only go to the corporate account. The advanced one is not my bank account, but the corporate account handled by the intermediary company.Then, accompanied by the manager, the cash was withdrawn at the bank.Because the money is not in my account, I have no way to withdraw it. I am always worried that the money will not be stolen and run away, right?

In the end, fortunately, 50 yuan came to my hands.As soon as I got the money, I immediately paid back all the money from various small loans.

I also gave [-] points from the intermediary, and I still have a little balance in hand. I feel that there will be nowhere to use the money in the future, so I kept tens of thousands of yuan, and repaid the rest to the bank.

?Actually, I should have kept a little more money at the time, and didn't have to return all the money to the bank in such a hurry, so maybe I wouldn't make the hole bigger.