Blackstone Code

The father and son returned home in the rain, took off their coats and hung them on the balcony. They lived in a single-family house.

Although the term "detached house" may seem fancy, in fact many poor people in the Commonwealth live in detached houses.

In the federation, the grade and geographical location of the community are the core indicators that affect the price of real estate. It will not be a question of whether it is a detached house or not.

And detached house does not mean villa.

An apartment like an apartment on Bupen Financial Street is worth hundreds of thousands for 60 to 70 square meters, but outside the ring, a three-story detached house with a basement and a yard may only cost one-tenth of its price. , or even less!

To federal people, land is worthless.

In some areas, there are even laws that stipulate that if ordinary people build a house on land that does not have clear ownership rights, that is, on non-private land, they must live there for a certain number of years and maintain the environment around the house.

Then the house and the land under the house belong to the current occupant of the house.

Therefore, houses on the outskirts of the city are not valuable.

The family lives far away from the city center to save some money.

When I bought the land, I spent more than 10,000 yuan, and there was only an empty piece of land, which totaled 135 square meters.

The real estate developers used lime to mark a rectangular area on the ground, then they got the wood themselves, asked workers to help, and finally built the house.

This is also the life of many people at the bottom. They buy a piece of vacant land and then build their own house just to save money.

In fact, rich people sometimes do this. What they enjoy is the fun of building a house.

In a better location, if you buy a piece of land, the real estate developer will send you various prefabricated building materials and rent some construction machinery.

All they have to do is assemble these building materials and turn them into a big house!

Of course, if they don’t want to play for a while, the real estate agent will help them build the house. All the house types and appearance are designed early...

The father and son returned home, and the middle-aged man's wife asked them about the result with great concern, and the husband told him his decision.

The woman's expression suddenly became a little strange, but she did not burst out immediately, but remained silent.

Sometimes people can express their emotions and opinions without actually saying anything or doing anything.

The process of getting along was boring.

At night, the old man heard a quarrel coming from the bedroom on the other side of the second floor, and he sat up from the bed.

He didn't turn on the light, just sat quietly by the bed, the bright moonlight shining on him through the glass window.

He picked up the photo frame of his wife on the bedside and put it on his lap. Looking at his wife's smiling face, he felt very sad.

I never heard the faint quarrel in my ears, and the neighbor's dog next door was also barking.

The old man sighed.

He stroked his "wife's" face. When she was alive, he didn't feel how much he loved this woman.

Sometimes he thought she was annoying, but after she left, he felt as if a piece of his heart had been lost.

"Why... you didn't take me with you when you left?"

A tear fell on the photo frame, and the old man was quietly sad in the middle of the night.

The dominance and control he once had over this family has become a thing of the past as he grows older!

Now he is no longer the highest "king" of this family, he is just an old man...

The next morning, he opened the door and saw his son. He wanted to say something, but he didn't know how.

Breakfast was dull.

Everyone was silent, and the atmosphere was extremely depressing.

On the way to work, his son held his hand tightly, "I have already negotiated with her to sell the necklace and get a loan of three thousand yuan, so that we can pay it off at once."

The old man no longer felt joy at this time, but felt an indescribable desolation. He shook his head slightly and said, "Just forget it."

"It's actually pretty good now..."

The middle-aged man seemed not to have heard and continued, "I did some calculations. If we pay it all before the 25th, then on the 25th, you will get one hundred and seventy-six yuan. "

"The pension you can get in one year is two thousand yuan. In five years, you can get it all back!"

"And you have other wages, so your income will be higher than mine!"

Yes, with an extra one hundred and seventy-six yuan, even if the factory gives the old man the lowest standard, he will suddenly be higher than his son.

"This is a very good deal. I have listened to you before, but you have to listen to me this time."

The old man's lips trembled, but he finally said nothing and remained silent.

The middle-aged man realized that the old man might have overheard the quarrel between the couple last night, and then he said as if to comfort or explain, "...she is just a woman, don't listen to the stupid things she said, this family It’s still us who have the final say!”

The old man finally agreed. In fact, they all knew that the qualifications and reimbursement for purchasing medical insurance drugs were more important than pensions, which could save them a lot of money.

After work, the father and son went to a nearby bank, but unfortunately, the bank rejected their loan.

The reason is simple. They have not yet received instructions on the relevant business type, that is, loans to pay pensions.

Generally, when you go to a bank for a loan, there will be an "interview" process, which is almost the most standard process in the federation.

During an individual face-to-face meeting, the bank staff responsible for the loan will have a deeper understanding of the utility of the lender's loan.

For consumption, for purchasing real estate, for financial investment or anything else.

Among them, the probability of passing the review for purchasing real estate is the highest, and there will always be a market for real estate.

However, consumption and the like require the lender to have a certain background, such as financial investment, and banks require more detailed reports.

The content of today's loan is to use money to pay social security funds. The lender does not know whether this matter can be operated.

But there is an unwritten rule or consensus in the bank——

If you don’t know whether the business loan in your hand can be approved, it must not be approved!

This is a summary of experience full of wisdom. In fact, in a place like a bank, every employee has been told very clearly what can be done.

Since they don’t know if they can do it, that is to say, the bank didn’t tell them that they can do it, then it must not be done.

Disappointed, they visited several banks, including the Federal Reserve.

The same answer, they have not opened such services yet.

The main reason is that they are not sure how big the risk is, and the actual lender is an old man, in case he dies unexpectedly, gets sick, or something else.

How to recover this money?

At the same time, if they approve it, more similar businesses will come to you soon. Should they approve it or not?

Before finding a suitable process, no one dares to take risks unless——

They mortgaged their property.

Mortgage the property for three thousand yuan?

Maybe they will agree, not now, but eventually.

After running for two days in a row, they visited several established banks, but they all refused to lend money until they passed by a Blackstone Bank...

Blackstone Bank suddenly rose to the level of the seventh largest bank through several major political events, but it still does not have much fame among the middle and lower classes.

People are still stuck in the "Big Six" period, and Blackstone Bank is not expanding very fast, so even fewer people know about Blackstone Bank!

The father and son actually walked into Blackstone Bank without any hope.

The pink-brown mirror marble floor reflects the gilt crystal chandelier on the ceiling, and the decoration is as luxurious as walking into a palace.

The spacious office hall is more elegant, and each work room has a vegetation wall as a partition, so that each work room is not affected by each other.

The semi-enclosed office seemed very busy, with figures constantly flickering.

The father and son were a little hesitant.

At this moment, a staff member came up to us and said, "Gentlemen, thank you for choosing Blackstone Bank. What business do you need to handle?"

The father and son looked at each other, and the middle-aged man said breathlessly, "We... want a loan."

Loans, banks love this the most.

The staff immediately ushered them into a work room and asked them to sit on the sofa.

Their clothes were very ordinary, and the sofa didn't look cheap. The staff didn't mean to look down on them, but enthusiastically brought them coffee.

Immediately afterwards, the staff responsible for specific operations began to take over, and they seemed to have entered the state.

When the old man proposed that he be a specific lender and wanted a loan to pay social security benefits, the bank staff did not refuse!

In order to stimulate consumption during the Great Depression, the Financial Supervisory Commission and the six major banks announced that they would implement personal credit loans in the federal territory without any collateral.

As long as the borrower has no probability of committing a crime, has no problems with paying taxes, and has a complete family and job, he or she will meet the basic conditions for a credit loan.

The six major banks they ran in before all rejected them because their purpose did not meet the conditions, but here, they actually passed the seemingly hardest part!

Both of them became a little happy, and the old man even didn't forget to ask a few more questions, can he get a loan like this?

The staff member smiled and gave him a positive reply.

"Your loan qualifications meet the loan standards. When I called just now, I was checking your personal credit. There was no problem with the three thousand yuan."

"But because you are older and have limited repayment ability, you need a guarantor to guarantee you if you want to get this loan."

"Once you are unable to repay the money, the corresponding debt of the loan will be borne by the guarantor."

The staff member looked at the middle-aged man and asked, "Are you a family?"

The middle-aged man nodded subconsciously, "This is my father, can I be the guarantor?"

The staff member smiled and said, "Of course!"