I want to work hard too!

Chapter 373 Being Trapped Miserably 【Ask for a monthly ticket】

Hao Ren looked at Zhao Mingyang and said, "No way? The loan is from a regular bank, and the monthly interest is 0.78%. I also checked that the bank account for repayment is also the bank account."

"Take it out and let me have a look." Zhao Mingyang said, Zhao Mingyang knew that the lending institutions used by many car dealers were not banks, but third-party financial institutions.

To put it simply, for example, if you borrow 1000 million from the bank, the bank will give you 0.3% interest, and you will transfer 1% or 3% to you. You register an account in the bank, and this account is given to users who borrow from you, so that they can repay it every month. If you pay into this account, the principal and interest that the bank gives you will be deducted from this account, and the remaining money will still be yours.

However, many people think that this account is a bank loan to you directly, and you return it to the bank as a fixed account. Many people mistakenly think that the loan contract signed directly with the bank will make people believe that it is a third-party loan.

Hao Ren took out a contract from the storage box, as well as all the car insurance and procedures.

Zhao Mingyang looked at the car insurance, and the first insurance company actually got an unknown small insurance company for Hao Ren, and bought an insurance policy of 8986 yuan. He probably fooled Hao Ren that this is a BMW, which belongs to a luxury car. He needs to buy more expensive insurance. It’s so dark, it’s not cheap, this kind of unknown insurance company gives high rebates, the purchase policy amount of 4, you can get a commission of about 10, the general car 25S shop sells insurance commissions ranging from [-]% to [-]% %, although small insurance companies give high commissions, it is more troublesome to issue insurance.

Many of them are outsourced, and the car owner still buys a big insurance company. The accident claims are really fast, and the biggest pitfall of this small insurance company is that it may close down at any time and no one can be found.

Looking at the loan contract again, there is indeed something tricky here, there is a continuous service fee of 3%, which is added to the monthly repayment of 1.8% interest, folks call it [-]% interest.

There is also a one-time service fee of 3000 yuan for the first loan loan in the contract. This is another pitfall, followed by a GPS usage fee [deposit]. This is a service that all loans have. Install GPS positioning, but this is possible. There is no need to pay a deposit. Some black car dealers ask customers to pay for this car. Hao Ren bought this car himself, 3000 yuan.

This is not the point, the point is the overdue penalty, this late payment fee is actually charged 30.00% six, three years installment, 36 months, if Hao Ren pays it late once, he will have to pay a lot.

When making the payment, there was no actual amount to be paid, and all expenses borne by Hao Ren were deducted at one time, such as interest, such as service fees, such as GPS deposits, etc.

Calculated, Zhao Mingyang looked at it, and Hao Ren's loan this time has exceeded 2% interest, which belongs to the usury in the car loan.

If it was an accident car, the recycling price might be around 11 to 14, which is a compromise of [-]. The other party said that he earned [-] from Hao Ren, plus loan insurance, etc., a total of [-] from Hao Ren. About [-].

When most people buy a car, whether it is a new car or a second-hand car, the car dealer will say that the interest rate is very low. How much is the monthly payment and the monthly interest to be repaid.

If you exceed this, you can negotiate with the car dealer, and you can bargain for the remaining expenses. Of course, some expenses cannot be bargained too much, such as insurance, but deposits such as GPS can be removed, and some are unnecessary Service fees, such as licensing fees, etc.

The contract, the contract must be optimistic and written clearly, not only the other party will issue the contract, but also your appeals, such as ensuring that the three major items are ok, how much the other party will compensate you if there is a problem, and whether there is any accident or water damage, etc. Wait, finally, you must not buy a car by yourself, you must have a personal certificate.

You can bring a friend or relative. The safest way is to record on your mobile phone. As for how to check whether there is a problem with the vehicle, you don’t need to spend too much money. It is not expensive to go to the local vehicle management office for special inspection services, or find a familiar relative to check.

The probability of the odometer being transferred is very high, and the accident can be checked in the insurance policy, etc.

Hao Ren is typically killed by an acquaintance. This kind of acquaintance is actually a half-baked acquaintance. Generally, it is difficult for true friends and relatives to swindle, but there are exceptions. The best way to buy a car is to shop around and talk to know the market. market

Hao Ren was cheated. It is likely that other than the engine, there are other problems. This is not a small accident.

When collecting the car, it is impossible for the car dealer not to know. This is a deliberate deception. Earning more than 20 yuan at a time is not uncommon in some second-hand car circles. This is why many people are afraid of buying bubbles. The recycling price of water trucks and soaking cars is 20 to [-]. This is the price of a relatively well-known big-name car. It can be sold for more than [-] to [-] when it is refurbished, plus various routine loans.

"Okay, let's go back to work." Zhao Mingyang handed over the contract and car purchase procedures to Brother Xiaosa.

Brother Xiaosa took the file bag and said to Hao Ren, "Here, go back to work. I'll go over with you at noon."

"Oh." Hao Ren nodded while holding the file bag. He especially listened to what Brother Xiaosa said. Brother Xiaosa was both a teacher and a friend to Hao Ren. From the internship stage to now, Brother Xiaosa took him with him.

Zhao Mingyang and brother Xiaosa went to the coffee shop downstairs to buy some coffee to take with them. Zhao Mingyang was just normal to Hao Ren, but he was better to others, and liked the cleanliness of Hao Ren.

But Brother Xiaosa was really kind to Hao Ren. Zhao Mingyang looked at Brother Xiaosa curiously and asked, "Brother Xiaosa, I have something to ask you. I have never understood why you are so kind to Hao Ren? I mean you treat him alone. , you won’t change your taste, will you? Want to play something exciting?”

"Fuck off! My sexual orientation is very straight, but it's really nothing. Hao Ren joined the company more than half a year before you. He was an intern at that time. To put it bluntly, he didn't meet the company's recruitment requirements at all.

However, at that time, the company received an order for animation and some related peripherals, so it temporarily formed a team, recruited a bunch of graduates majoring in animation, and outsourced a group of people from some animation companies with interns.

To put it simply, the outsourcing company came over for two or three months and paid the other party a fee, and the interns we recruited learned something from the Ren family.

Hao Ren was recruited at that time, and the reason why he didn't meet the standard was mainly because he was too dull and didn't know how to read his words and be flexible.

It's like a spinning top, if you hit it and move it, otherwise you don't know what to do. In fact, I don't like this kind of intern, it's tiring.

However, he was one of the interns I took with me for a month. At that time, I had a sudden acute appendicitis and was hospitalized for more than ten days. At that time, Hao Ren was the only one who really cared about me. Food, drink, running very diligently, always taking care of me.

And help me go through various hospitalization procedures and arrange some things. At first, I thought this kid was trying to flatter me, and I have seen a lot of flattery.

But later I found out that he simply took care of me, and after he was discharged from the hospital, his attitude remained the same as before. Three months later, the company dismissed many interns.

The team itself is a temporary organization, mainly to see if there are any good seedlings. At that time, they basically did not meet the standards, but I asked the HR department to suppress a few people for an internship period. I just suppressed them for two or three months and gave them a chance to become regulars. .

Many people couldn't take it anymore and left directly. The more they worked, the more slippery they became. Hao Ren was still the same, he didn't change, and he looked very satisfied. He was just too satisfied, and he was an employee that many companies didn't like.

I took him to study later. In fact, he is not a piece of wood, but he doesn’t have that kind of desire. "

Zhao Mingyang finally understood why Brother Xiaosa was so kind to Hao Ren. He looked at Brother Xiaosa and said, "Then how do you deal with him?"

"How to deal with it? I'm a native of Shencheng. It's no problem to call a dozen or 20 people. My classmates, seven aunts, eight aunts, and various relatives.

Go directly to the door of his hometown store and pull up a banner to make a fuss. We are not foreigners in this matter. I have plenty of time. I can ask for a leave of absence at most. After a week, the other party can't stand it. If you want to open for business, this business is most afraid of making a fuss. No way, give him a light on the news.

Either refund the money, or change the car, at least change it to a good-looking one, and remove the expenses that should be removed. This is a trivial matter. Don’t worry, I can handle it.

What about Meng Xiaoxian's copywriting?Start now? "

"Start it now, let's find an introduction to bring out the topic, by the way, Duan Tianya, did you do it?"

"I did. I contacted several local newspapers and media in Shanghai to give him a private interview. I also did a channel operation on the Internet.

But his nature is to want people around him to know him, and he doesn't care much about the Internet, so our operation is to arrange for him to appear on several domestic TV programs.

Some are half an hour long, some small local stations, big local stations show for three to five minutes, and arrange a variety show for him, a live audience with a few seconds of footage, one of the jury members lens.

What he needs is offline traffic, to be precise, to let people he knows know that he is an artist now, and he doesn't care about online traffic at all.

He is quite satisfied with our arrangement, and there is also a documentary filmed specially for him, which is also being produced, and it will be fine to broadcast it on the Shencheng News Channel at midnight. "

"Okay, you can arrange it. Don't put Meng Xiaoxian in offline operation, it won't work, and this can only be used for video operation, not text, which has little effect.

The delivery platform is mainly a platform that can transmit video, which is directly pushed to the homepage, such as Weibo, Tieba, Ayouteng and other video websites' news video columns.

In terms of time, try to push around [-]:[-] p.m., from Tuesday to Thursday. Monday, Friday, Saturday, and Sunday are the time periods for celebrity drainage. It is too difficult for such amateurs to get out of the circle during that time period. Flow is too low.

By the way, have you contacted the modeling agency that I asked you to contact before? "

(End of this chapter)