I copied my daughter in the parallel world

Because Sun Wei is not the owner of the real estate, she just represents Gu Cheng to inquire and consult about this matter, so many things are not done by Gu Cheng, the negotiation on the spot is not so smooth, and she has no way to use a comparison for many things. It is just a middleman to help match the bridge. No matter what, Gu Cheng needs to have a face-to-face chat with the bank, which is a more appropriate solution.

Generally speaking, in the loan industry, many procedures are relatively complicated and bloated, and various approvals are required. After all, when it comes to money, whether it is a bank or an individual, it needs to be treated with a more cautious attitude. .

However, if it is converted into a real estate mortgage loan, many procedures will become very simple and convenient, because compared with other loan conditions, real estate mortgage is almost a mode with the least risk and risk, and it can be easily obtained. It can rely on the value of the real estate to bring out a relatively high amount of funds, and at the same time, the interest rate is also kept quite low. Because of the existence of collateral, the risk of the bank is reduced, and the requirements for interest are not so strict.

More importantly, the repayment time is completely negotiable. At present, the staff of the bank have given several completely different methods, which are divided into 10 years, 20 years and 30 years. Take advantage of this opportunity to extend the repayment period and use funds to control as many things as possible.

There are also quite a few financial geniuses and market analysis departments within the bank. At present, the marketing department of the entire bank is quite optimistic about the overall trend of real estate. The growth rate of real estate will definitely be able to match the amount of its own loans. , The longer the term of the loan, the more interest the customer pays, which is a longer-term financial management project for the bank.

Because there is a clear collateral, as long as it is confirmed that there are not too many disputes about the property, the speed of payment is relatively easy. After knowing this information, Gu Cheng has more confidence in this loan matter. As for the number of years, he thinks it is better to choose a shorter number of years, because he believes that after 10 years, the wealth he owns has far exceeded the scale he has now, and there is no need to delay the amount of this loan for a long time. In terms of inflation and constantly adjusting interest rates, it is better to repay the loan earlier.

Now that this matter was confirmed, Sun Wei naturally followed Gu Cheng's intention and invited the bank staff who had been waiting for the phone call to the scene for a negotiation. The bank finally met the boss behind the real estate agency. When they learned that Gu Cheng's occupation was a When a writer with a relatively stable income, the admiration and trust in his eyes are more sufficient.

Limited by the degree of admiration for literati in this country and the world, general literati loans themselves will be particularly trusted by banks, because for literati, reputation is almost the only means of survival for them. If it is damaged, not only will it be boycotted by fans, but it will also declare the end of its career path. Almost no one will take any action on their own reputation and damage.

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Compared with the general businessman's transformation into Lao Lai's model, the chances of this kind of thing happening to literati are very small. At the same time, literati also have a special character. Moreover, Gu Cheng's income is very stable, and the Lilan share obtained from the publishing house is maintained at tens of millions every year, and he is not worried about this loan at all. The amount will be damaged by the other party, and I don't worry that the accounts released by myself will become bad debts that cannot be recovered.

At the same time, because Gu Cheng himself has been involved in the city's spokesperson, the bank also has further discounts on the loans of these celebrities and celebrities. It can be said that even if Gu Cheng himself does not have any collateral, he has not even been exposed. One's own income level, just being the spokesperson of the city's culture can easily lend millions of dollars from any city, because this is the trust and honor of a city, and the government's review of these issues The degree is far more stringent than that of the bank. Anyone who has passed these rigorous tests is trustworthy, and there is no crisis of doubt about the repayment ability.

When a person's social prestige and status reach a certain level, the matter of money itself is very easy for them. Ordinary people have to go through serious hurdles in order to get a loan. In the credit investigation, you also need to know the family background and the specific means of income. Those auditors can even check the information of the eight generations of your ancestors clearly, but if you put it on Gu Cheng, these unnecessary means are completely fine. Omitted.

As for the arrangement of specific matters that constitute the loan, if it is placed on ordinary people, it may also be reviewed accordingly. For example, what do you want to do with a sum of money, and is there a crisis risk of losing money if you do this thing? At the same time, whether these things have any impact on your own assets and life path is within the scope of the bank's consideration, but at Gu Cheng's level, even if you don't give any reason, you just simply mortgage your own real estate. The bank will not worry about too many specific reasons, because the people themselves have the ability to repay the loan, and at the same time, their desire for loans is relatively low, not to mention the valuable collateral, so there is no need to pay more Do too many obstacles and hurdles to undermine the confidence of lenders.

Of course, when it comes to large-scale loans, the bank also needs to submit some materials. Gu Cheng entrusted Sun Wei to help him handle the rest. For example, every property needs to be reviewed by someone from the bank. At the same time, check whether there are any conflicts of interest in the property itself, which itself is a matter within the process. Although it seems a bit troublesome, and the bank staff also expressed their apologies, Gu Cheng has no worries at all.

Regarding the interest rate, the bank has also given a relatively good condition. If ordinary people take out housing mortgage loans, the interest rate for more than 5 years will generally be kept at around 5%. The background reason gives the cheapest way within the scope of my authority, that is, the annual interest rate is reduced to 2.9%. If you are not satisfied with this value, the other party may even show the attitude that you can continue to apply upwards.

I copied my daughter in the parallel world