I am reborn, I am really not a stock god

After Li Dong saw the house, he had a pretty good idea and left directly without returning to the sales office.

The young lady watched him go to the bus stop...

The young lady was even more disappointed and could only comfort herself: Maybe she just kept a low profile...

Back at the sales office, other people asked the young lady how she felt.

The lady said it was okay and the gentleman planned to buy a whole unit.

But the other ladies were shocked.

I was busy asking if it was true or false.

The young lady said in an uncertain tone that it should be true.

When the others heard this, they breathed a sigh of relief.

Yeah, 80% of the time there's no chance.

Someone asked, why didn't the gentleman come over and pay a deposit first?

The young lady said that she did, but the gentleman said to go back and ask about the loan first.

When she said this, the other ladies all laughed.

They all said:

"Don't think about it, it's definitely out of the question."

"You don't look like a rich man, dressed in all kinds of clothes. No matter how low-key a rich man is, he won't dress so sloppily, right?"

"I don't even want to pay a deposit, which means I don't want to buy it at all. I just want to watch the fun."

"Oh, it's pretty easy to install. I want to buy a unit if I open my mouth."

"Xiao Chen, please be more careful in the future. Just deal with people like this casually and don't waste your time."

Listening to other people's words, the young lady became more and more depressed.

…………

After Li Dong left, he called Liu Zhaoyuan on the bus.

I asked about the loan.

Liu Zhaoyuan was surprised at first: "You want to buy a house?"

Li Dong replied: "Well, I don't want a loan. My down payment is not enough. The sales office told me that I can raise the house price so that I can borrow more money. I don't want to pay less down payment."

I know if there are any risks in doing this, so I just wanted to ask you."

When Liu Zhaoyuan heard this, he understood.

Let’s just say, Li Dong’s family is in a rural area, and his parents just work. How much can he earn? Li Dong’s job income is not high, how can he come up with a down payment of hundreds of thousands at once? One hundred thousand is enough.

of.

It turned out that I wanted to make a low down payment.

Liu Zhaoyuan said: "There is no problem with this. Many people are doing this now. We here also turn a blind eye. Anyway, as long as other conditions are similar. But on your side, it may be a little troublesome. You

Have you not paid social security yet?”

Li Dong replied: "The contract I just signed this month has never been handed in before."

I didn’t say anything about leaving my job next month...

"Where are your bank statements for the previous year? How much can you get each month?" Liu Zhaoyuan asked again.

"Sometimes it's three or four thousand, sometimes it's less than one thousand." Li Dong replied truthfully.

Liu Zhaoyuan paused for a moment and said, "It's a bit difficult... your turnover is too little. The key is instability. Hmm... how much do you plan to borrow?"

"Let's take a loan of ten to ten thousand," Li Dong said.

I just heard a popping sound on the other side of the phone, followed by a violent cough.

After a long while, Liu Zhaoyuan exclaimed: "How much do you want to borrow?"

"One thousand to ten thousand." Li Dong replied calmly.

"Brother, are you going crazy? A loan of more than 10 million? What kind of house are you going to buy? How much is the down payment?" Liu Zhaoyuan was almost speechless.

"I just went to Jinhai Villa to have a look. It feels pretty good. I plan to buy an entire unit. The total price is about fifteen or six million. I'll try to keep the down payment within two million, do you think it's okay?"

Li Dong said.

Liu Zhaoyuan was shocked: "No...you said it again, I didn't hear it clearly, you want to buy a whole unit?"

"Yeah." Li Dong replied.

"The total price is fifteen to six million?" Liu Zhaoyuan asked again.

"Well, they said they could help me get some discounts, but they probably wouldn't be too much," Li Dong said.

"Then, your down payment is less than two million?" Liu Zhaoyuan continued to ask.

"Well, just don't exceed two million. I also want to save some money to buy stocks." Li Dong said.

Liu Zhaoyuan couldn't change his mind: "Do you still want to save some money to buy stocks?"

"Yes, the three votes recommended to Lao Li are all good, and I plan to get some myself." Li Dong said.

Liu Zhaoyuan took a long breath, calmed down his emotions, and said, "Brother, where did you get so much money?"

"I'm making money. The U.S. stock market is doing well this month. If I get my salary next month, it will probably be several million. Otherwise, I won't have the money to buy a house." Li Dong said.

The originally noisy bus suddenly became quiet, except for the sound of Li Dong talking on the phone.

Everyone in the car looked at Li Dong quietly...

Opposite me, Liu Zhaoyuan's emotions that had just calmed down started to stir again: "Holy crap, right? How many millions do you earn in a month? Really or not? You didn't drink wine?"

"When did you see me drinking and bragging?" This time it was Li Dong's turn to be speechless and said, "Okay, okay, just tell me directly whether this loan can be applied for."

Liu Zhaoyuan calmed down for a while and then said: "To be honest, it's still a bit difficult, because you just earned a few million this month. It's hard for you to guarantee, or to provide proof to the bank, to prove that you will earn millions every month in the future.

You can earn so much. It is estimated that it will be difficult to get approval for a loan of more than 10 million yuan at once. By the way, have you contacted Lao Li?"

"No, why don't I ask you first?" Li Dong said.

"If you're like this, I'll help you find some connections and smooth things over, and see if I can help you get it done. In addition, you can also ask Lao Li to see if he can do it for you, but I

It’s probably quite difficult. For Lao Li and his small bank, a loan of more than 10 million yuan must be reported to the head office for approval. Unlike ours, the branch can make the decision." Liu Zhaoyuan thought for a while and said.

"Okay, then I'll trouble you." Li Dong was not too polite to Liu Zhaoyuan.

"By the way, you can ask the sales office which bank they cooperate with and whether other banks can handle it. Because some developers cooperate with banks, you can only go through their cooperation.

Banks apply for loans, but other banks do not accept them." Liu Zhaoyuan added.

"Okay, I understand." Li Dong replied and hung up the phone.

Then I called the lady at the sales office and asked which bank they were cooperating with. If the cooperative bank loan could not be obtained, could they accept a loan from a non-cooperative bank?

The young lady was feeling depressed. When she received a call from Li Dong, who was still inquiring about a loan, her hope suddenly rekindled and she quickly told Li Dong that they cooperated with several banks here, even if they were cooperative bank loans.

If you don't want to go out, you can also go to other banks for loans. They don't have any restrictions on this.

Of course, it's best to go through their partner banks.

Li Dong felt relieved and called Li Tongwei again.

Li Tongwei and Liu Zhaoyuan had similar reactions. They were shocked to death when they heard that Li Dong wanted to borrow more than 10 million yuan to buy a house and had made millions this month.

Only then did he tell Li Dong that in principle the loan could not be applied for.

Li Dong said oh.

Although he had expected it, when Li Tongwei actually said this, Li Dong still felt a little uncomfortable.

Just as he was about to hang up the phone, Li Tongwei asked Li Dong again whether how many millions he earned this month was accidental, or whether he could maintain this income in the future.

Li Dong felt a little depressed and said casually that he was lucky this month to earn so much, but it would be hard to say in the future.

Li Tongwei thought for a while and said that if Li Dong could maintain a similar income, not just millions, but even hundreds of thousands, then he could help Li Dong make a guaranteed loan, and he would find someone to guarantee Li Dong.

Although the loan interest rate will be higher, the approval will be relatively easier.

The most important thing is that the guaranteed loan complies with the regulations and is not considered a violation.

Moreover, because it is a short-term loan, the total interest rate is actually much lower than that of a mortgage.

Of course, the premise is that Li Dong can guarantee to repay the loan within one year.

Otherwise, Li Dong, Li Tongwei, and the guarantor will all be held responsible.

Li Tongwei also took great risks to help Li Dong do this.

This is Li Dong, but he would not do this to anyone else, even a relative from his hometown.

One is because he believes in Li Dong, his ability, and his character.

The second is because Li Donggang helped him earn a lot of money.

In fact, this also reflects Li Dong's ability.

Li Dong was originally a little dissatisfied with Li Tongwei, but after hearing these words, the dissatisfaction disappeared immediately, and instead he was full of gratitude to Li Tongwei.

He knew very well how much risk Li Tongwei took by doing this.

This guy would rather take risks himself than help Li Dong operate in violation of regulations.

Principled, but also brotherly enough.

He remembered this sentiment.

Indeed, the secured loan proposed by Li Tongwei is indeed better than the mortgage loan.

At least he no longer has to use the illegal operation of raising housing prices.

Moreover, he believes that he has the ability to repay the loan within one year.

It didn't even take a year.

When the next wave of market prices for those three tickets comes, will they be doubled several times? Is it still a big deal if it's more than 10 million?

Li Dong immediately told Li Tongwei that he could pay off the loan in less than a year.

Li Tongwei also immediately said that he would leave this matter to him and Li Dong would wait until he heard the news.

Afterwards, Li Dong called Liu Zhaoyuan and said that Li Tongwei was going to guarantee a loan for him.

Liu Zhaoyuan was shocked, but he didn't say anything, and just sighed that it was really good.

When Li Dong got off the bus at the station, everyone in the car watched him off...

After getting off the bus, I bought two steamed buns on the way and returned home. It was rare that both He Na and Wang Xiaowei were at home.

The two of them were sitting on the sofa, and there were several dishes on the coffee table.

There are also several empty wine bottles.

The two of them were drinking and having a great time.

Li Dong was chewing the buns and was about to go back to the house when He Na called him: "Li Dong, why did you come back just now! What were you doing? Did you go to see your little girl for a drink again?"

His tongue was a bit straight when he spoke, and it looked like he had drunk a lot.

Wang Xiaowei on the side didn't drink much. She looked at Li Dong with a resentful look in her eyes.

If He Na had spoken to him like this before, he would have completely ignored her.

However, after what happened last time, Li Dong's impression of He Na changed a lot.

Hearing this, he stopped and said, "What kind of girl am I looking for? I have something to do when I go out."

"I don't believe it, come here and let me smell if there is any perfume on you."

He Na pointed at Li Dong, shook her head and said.

Li Dong was helpless and said: "I'm a little tired and I'm going back to the house. You two can continue drinking."

"Don't leave! You feel guilty, right? I knew you were looking for a little girl, you scumbag!" He Na said, stood up, staggered to Li Dong, grabbed Li Dong's arm, and hugged him

I smelled it on Li Dong.

"it stink!"

He Na wrinkled her nose and said something disgusting.

I didn't smell any perfume at all.

Even though there was a smell of perfume, it disappeared after taking this bus.

Li Dong said angrily: "Okay, I stink, I'll stay away from you."

He said that he was about to enter the house again.

She was pulled back by He Na again: "Are you angry? Oh my, are you still a man? You are so petty. Come and drink with me!"

Seeing He Na's pretty face right in front of him, Li Dong really couldn't get angry. Moreover, Li Dong really had no resistance to wine.

After hesitating for a moment, he let He Na pull her to sit down on the sofa.

Wang Xiaowei very obediently ran to the kitchen and got a pair of chopsticks for Li Dong.

Here He Na has already handed Li Dong a bottle of beer.

Or Yun Beer, which costs five yuan a bottle.

What a luxury.

Li Dong finished one bottle after tons, tons, tons, tons.

I took the chopsticks and took a few bites of the food. It tasted good and the presentation was pretty good.

"Who did it? Not bad." Li Dong praised.

Wang Xiaowei asked shyly: "Do you like to eat?"

It was really Wang Xiaowei who did it.

Li Dong didn't answer, just took a few bites and opened another bottle of beer.

When Wang Xiaowei saw that Li Dong ignored her, she became resentful again.

He Na was already seventy percent drunk.

Li Dong counted and found that He Na had just drank six bottles.

It seems that he is not in a good mood.

Also, any woman would not feel better if she was publicly humiliated by a man.

Especially a woman with a strong sense of vanity like He Na.

"Now I suddenly feel that you are actually quite a good person. Although you are a bit poor, a bit petty, and a bit of a jerk, at least when I was being beaten... you stood in front of me.

." He Na's eyes became wet as she spoke.

Li Dong glanced at her and wanted to persuade her, but in the end he didn't know how to speak. He just shook his head and drank another bottle of wine.

He Na wanted to do it too, but after just two sips, she couldn't help but squirt out.

"Okay Nana, drink less." Wang Xiaowei advised her.

He Na just waved her hands, then covered her face and started crying.

While crying, she said: "Why is my life so miserable? No one has ever really cared about me. They only ask me for money, money, money! In their eyes, my daughter is just a money-making machine."

!”

When Li Dong heard this, he immediately understood.

I bet He Na is Fan Shengmei.

It's really pitiful.

"I just want to pursue my own happiness. What's wrong with that? Why do everyone look down on me? Why?" He Na said again with grief and indignation.