In Chengdu University's Grade 1 and Grade 4 stock exchange professional skirt, someone was complaining to everyone that the housing prices in Chengdu had risen again. If they didn't buy it now, they might not be able to afford it in the future. They had to think of a way to mortgage a house.
Everyone expressed their agreement and sighed helplessly.
"F * ck, when we first went to university, the house price in the western suburbs of Chengdu was only 5,000 yuan. Now it's 15,000 yuan!”
"That's right! It had increased by about three times, and it looked like it would definitely continue to rise.”
"Even if you can't afford to offend him, you have to think of a way to mortgage a house!”
"Yes, of course. How can we get married without a house?”
Jiang Feng's roommate, Deng Ning, complained," We just started our internship and we don't have any proof of stable income. How are we going to get a mortgage?”
The old classmate who wanted to buy a house lamented,"
"That's right. That's the problem. Our monthly salary is not enough to qualify for the mortgage.”
Yang Yirui had a good relationship with Jiang Feng, and both of them were from Salt City. They had just supported Jiang Feng.
He could be considered a good friend from the same hometown. He was preparing to settle down and buy a house with his girlfriend in Chengdu. They would get married next year or the year after.
His family could help him with the down payment.
However, a mortgage must have a stable income!
The internship period obviously did not meet the requirements of the bank…
Even though his job was decent and his income was not low, he did not have a long enough tax bill and did not meet the mortgage requirements.
Buy next year? It would probably cost hundreds of thousands more!
It cost a lot to use connections and find acquaintances.
Yang Yirui complained in distress," I don't even think that a 4.9% mortgage interest is too high. The key is that I can't do it!"”
Deng Ning replied,[Everyone is the same ~]
Zeng Jing sighed." It's too hard. I must find a rich boyfriend. I won't marry anyone who doesn't have a house!"”
Everyone was speechless.
This woman was just like that. She was very realistic. She had just slandered Jiang Feng to Xu Liang, saying that he was Yu Qian's best friend.
It wasn't bad, but his words were annoying.
Jiang Feng looked at the chat history, and his eyes lit up. Wasn't the mortgage a free gift? He needed to take orders!
There was still a 100 million loan task this month ~
"Hehe, let's see his credit limit first.”
Logically speaking, Yang Yirui's credit limit was not low. The system would judge his repayment ability based on his income, development, and credit rating. There would basically be no mistake.
[Universe UnionPay System]-(Lending)-(Examination)-
Potential customer: Yang Yirui/male/22
Job Title: Financial and stock analyst
Short term credit limit: 105W
Long-term credit limit: 255W
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Hmm, 2.55 million. That's enough. The mortgage is a long-term commercial loan with an annual interest rate of 4.8%. It's cheap!
The central bank's interest rate was 4.9%, and there were also various complicated procedures to prove it. Ordinary people were not qualified.
Assuming a loan of 1.5 million for 30 years, he would have to pay 7960 yuan a month and earn more than 10,000 yuan a year.
During the internship period, who could have a stable salary of more than ten thousand yuan?
The Universe UnionPay System didn't need proof!
Moreover, the interest was relatively cheaper.
Repayment per month: 7870.00
Jiang Feng couldn't wait any longer and contacted Yang Yirui. This guy had just supported him, and he could help him get it done.
In the skirt of Chengdu University's Grade 1 and Grade 4 Security Professional-
Jiang Feng:@ Yang Yirui, do you want to get a mortgage? Our bank has a credit loan with an annual interest rate of 4.8% and zero down payment.
Deng Ning: F * ck! Fengzi appeared. When did you find a job? Which bank do you work at?
Fu Yue: Brother Feng, you disappeared for a few days and now you're at the bank? This job is not bad ~
Yang Yirui:@ Jiang Feng, really? Your bank doesn't need proof of income? 4.8% annual interest rate?
Zhong Kui: Let's get together when you have time?
Everyone had a tacit understanding and did not talk about that matter. They were afraid that Jiang Feng would feel uncomfortable. After all, they had a good relationship.
Yang Yirui was a little interested and skeptical. What bank didn't need a mortgage/guarantee/down payment/proof of income?
If it was true, then that would be great.
However, he felt that…it was not possible…
Jiang Feng: " Don't worry, everyone. I'm fine!"
Jiang Feng: I'll meet you guys in Chengdu someday.
Jiang Feng: " If you need a loan, please come to me for an unsecured loan. The credit limit will determine the limit."
Jiang Feng: The interest rate is lower than the central bank, and the loan is fast. It's a formal bank financial channel, and the procedures are very simple.
Type of loan, annual interest rate/3 years/5 years
Agricultural loans: 2%/2.2%/2.4%
Commercial loans: 4.3%/4.6%/4.8%
Household loans: 4.8%
Bailout loan: 1%
Financial loans: 5%-20%
Huge loan: 5%-20%
Jiang Feng could not change these two things, but he could vouch for others.
The guarantee meant that if the customer could not pay back the money, Jiang Feng would have to replace it himself (the portion that exceeded the credit limit).
Generally speaking, he would definitely not guarantee it!
This was because the system would not miscalculate the credit limit.
If it exceeded the credit limit, he definitely couldn't afford it!
In the group chat, many people started discussing.
Liu Lei: " F * ck, is this loan interest rate going against the central bank?" And he didn't need collateral or proof?
Zeng Jing: I think he's a liar! Jiang Feng had just been fired by the finance company. What bank would want him?
Xu Liang: " Brother Feng, it's fine if you're lying, but how could you lie to your own classmate?" I really misjudged you.
Xu Liang was shameless and sanctimonious. He pretended to be a good person, and some people echoed him. However, most of the students still chose to believe in Jiang Feng. At least, they supported him.
This was because loans were not easy to cheat…
Zeng Jing's mouth was as open as ever!
Jiang Feng didn't try to defend himself. The truth was the truth. It was up to them whether they believed it or not.
Yang Yirui thought about it carefully. He had no other choice. He had to give it a try for the mortgage. He couldn't fake it.
If there was a problem with the contract, he could just give up!
How could people in the financial industry be scammed?
Yang Yirui: I believe in Jiang Feng's character.
Yang Yirui: Brother Feng, how do I apply for a loan?
Yang Yirui: What's my credit limit?
Jiang Feng had already seen it a long time ago. It was not bad. It had a relatively stable and generous credit limit, which meant that his job was more stable.
Jiang Feng: @ Yang Yirui, it depends on the situation. The long-term credit limit is 2.55 (10,000 yuan) within 30 years.
Yang Yirui: No collateral required?
Jiang Feng: " There's no down payment on the mortgage, no collateral. Even if you don't have the money to pay off the loan, the house is still there, isn't it?"
Yang Yirui: [Awkward] Alright, when can I get the loan? I'm in a hurry to buy a house.
Jiang Feng: Electronic contract, immediate loan!
Jiang Feng: " First download the contract, then use our bank's signature system to sign the contract online."
Yang Yirui: So simple? [Panic]
Jiang Feng: It will be that easy to get a loan in the future!
Everyone was dumbfounded and couldn't believe it…
What kind of joke was this? Was it that easy to get a mortgage?
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