Hao Ren looked at Zhao Mingyang and said, "No way? The loan is from a regular bank. The monthly interest is 0.78%. I also checked that the bank account number for repayment is also the bank account number."
"Take it out and let me take a look." Zhao Mingyang said. Zhao Mingyang knew that many car dealers used loan institutions that were not banks, but third-party financial institutions.
To put it simply, for example, if you borrow 10 million from a bank, the bank will give you an interest of 0.3%, and you can lend out 1% or 3%. You register an account with the bank, and this account will be given to users who borrow from you, allowing them to borrow money every month.
When you repay the money into this account, the principal and interest the bank gives you will be deducted from this account, and the remaining money is still yours.
But many people think that this account is directly lent to you by the bank, and it is a fixed account when you return it to the bank. Many people mistakenly think that the loan contract signed directly with the bank makes people believe that it is a third-party loan.
Hao Ren took out a contract from the storage box, along with all the car purchase insurance and procedures.
Zhao Mingyang looked at the car insurance and found out that Shoubao actually got Hao Ren from an unknown small insurance company and bought an insurance policy for 8,986 yuan. He must have deceived Hao Ren into thinking that this was a BMW, a luxury car, so he needed to buy more expensive insurance. Really
It’s so dark and not cheap anymore. The rebates given by this kind of unknown insurance company are high. For a policy purchase price of 9,000, you can get a commission of about 2,000. Generally, the commission on insurance sold by car 4S shops is between 10% and 25%.
%, although small insurance companies give higher commissions, it is more troublesome to get insurance.
Many of them are outsourced, and car owners still buy large insurance companies. Accident compensation is really fast. The biggest pitfall of such small insurance companies is that they may go bankrupt at any time and can't find anyone to replace them.
Looking at the loan contract again, there is indeed something fishy here. There is a continuous service fee of 3%. This plus the monthly repayment is 1.8% interest, which is known as 1.8% interest among the people.
There is also a one-time service fee of 3,000 yuan for the first loan disbursement in the contract. This is another pitfall. Then there is the GPS usage fee [deposit]. This is a service that all loans have, including GPS positioning, but this is
There is no need to pay a deposit. Some black car dealers let customers pay for it themselves. Hao Ren just bought it by himself, for 3,000 yuan.
This is not the point. The point is the overdue penalty. The late payment fee is actually 36%. It is divided into three years and thirty-six months. If Hao Ren pays it late once, he will suffer a big loss.
When making the payment, there was no actual amount of the payment, and all the expenses borne by Hao Ren were deducted at once, such as interest, service fees, GPS deposit, etc.
After calculation, Zhao Mingyang saw that the interest rate on Hao Ren's loan this time had exceeded 2%, which was considered a usurious loan among car loans.
If this is an accident car, the recycling price may be around 30,000 to 60,000, with a compromise of 50,000. The other party made at least 110,000 from Hao Ren. Including loans and insurance, etc., the total income from Hao Ren
About 140,000.
When most people buy a car, whether it's new or used, car dealers will tell them that the interest rate is very low. In fact, this is easy to calculate. First, calculate the interest rate mentioned by the other party. That is, multiply the total interest rate by the number of loan periods, and then divide it by each
What are the monthly repayments and monthly interest payments?
If you exceed this, you can negotiate with the car dealer, and you can bargain for the remaining expenses. Of course, there are some expenses that cannot be negotiated too much, such as insurance, but deposits such as GPS can be removed, and some others are unnecessary.
Service fees, such as licensing fees, etc.
The contract must be read carefully and written clearly. Not only does the other party issue the contract, but you also need to add your demands to it, such as ensuring that there are no problems with the three major items, how much the other party will compensate you if there is a problem, and whether there has been an accident or flooding, etc.
Wait, finally, be sure not to buy a car by yourself, you must have a witness.
You can bring a friend or relative with you. The safest way is to record on your mobile phone. As for how to check whether there are any problems with the vehicle, you don’t have to spend too much money. Go to the local vehicle management office for specialized inspection services which are not expensive, or ask a familiar relative to check.
There is a high probability that the odometer will be adjusted. If an accident occurs, you can check the insurance policy, etc.
Hao Ren is a typical person who was killed by an acquaintance. This kind of acquaintance is actually half-familiar. Generally, it is difficult for real friends and relatives to do something, but there are exceptions. The best way to buy a car is to shop around and talk to yourself to know the market.
The market is up,
Hao Ren was screwed. It was probably because the engine was fine but everything else had problems. This was no small accident.
It’s impossible for the car dealer not to know when the car is collected. This is a deliberate trick. Earning more than ten or two hundred thousand at a time is not uncommon in some second-hand car circles. This is why many people are afraid of buying it.
The recycling price of a water-damaged car is between 8,000 and 20,000, which is the price of a relatively well-known big-name car. If it is refurbished, it can be sold for more than ten or two hundred thousand, plus various routine loans.
"Okay, let's go back to work." Zhao Mingyang handed the contract and car purchase procedures to Brother Xiaosha.
Brother Xiaosha took the document bag and said to Hao Ren: "Take it, go back to work, you and I will go over and take a look at it at noon."
"Oh." Hao Ren held the document bag and nodded. He especially listened to Brother Xiaosha. Brother Xiaosha was both a mentor and a friend to Hao Ren. From the internship stage to now, Brother Xiaosha has been with him.
Zhao Mingyang and Brother Xiaosha went to the coffee shop downstairs to buy some coffee and take it with them. Zhao Mingyang was actually average to Hao Ren, but he was a little nicer to other people and liked the cleanliness of Hao Ren.
But Brother Xiaosa is really good to Hao Ren. Zhao Mingyang looked at Brother Xiaosa curiously and asked: "Brother Xiaosa, let me ask you something. I never understand why you are so good to Hao Ren? I mean to him alone.
, you don’t want to change your taste, do you? Do you want to play something exciting?”
"Go away! My sexual orientation is very positive, but it doesn't really matter. Hao Ren joined the company more than half a year before you. He was an intern at the time. To put it bluntly, he didn't meet the company's recruitment conditions at all.
However, when the company received an order for animation and some related peripherals, it temporarily formed a team, recruited a bunch of animation major graduates, and outsourced a group of people from some animation companies to take interns.
To put it simply, the outsourcing company comes over for two or three months and pays the other party a fee, and the interns we recruit learn something from the Ren family.
Hao Ren was recruited at that time. The reason why he did not meet the standards was mainly because he was too dull and did not know how to observe words and changes.
It's like a top, you have to 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 care of for a few months. At that time, I was hospitalized for more than ten days due to acute appendicitis. At that time, Hao Ren was the only one who really cared about me.
He gave me food and drinks, ran very diligently, and always took care of me.
He also helped me with various hospitalization procedures and arranged some things. At first, I thought that this guy was trying to flatter me, and I had seen him too often.
But later I found out that he simply took care of me. After being discharged from the hospital, his attitude remained the same as before. Three months later, the company fired many interns.
The team itself was a temporary organization, mainly based on whether there were good talents. At that time, they basically did not meet the standards. However, I asked the human resources department to suppress the internship period of a few people, and I will wait for two or three months to see if they can give them a chance to become full-time employees.
.
Many people couldn't stand it anymore and left directly, becoming more and more cunning as they worked. Hao Ren was still like that, unchanged, and still very satisfied. He was just too satisfied, and instead became an employee that many companies didn't like.
I later took him to study. In fact, he is not stupid, he just doesn’t have that kind of desire and is too easily satisfied. To put it bluntly, he can’t do big things, can’t make a lot of money, and he has no ruthlessness.”
Zhao Mingyang finally understood why Brother Xiaosha was so kind to Hao Ren. He looked at Brother Xiaosha and said, "Then how do you deal with this matter with him?"
"How to deal with it? I am a native of Shencheng. I can summon a dozen or twenty people with just a shout. My classmates, my seven aunts, my eight aunts, and all kinds of relatives.
Go directly to the door of his fellow shop and put up a banner to make a fuss. We are not outsiders and have plenty of time for this matter. I can only ask for a leave of absence for a week, but the other party can't stand it anymore. We have to open for food. This industry is most afraid of making a fuss.
If it doesn't work, let him appear in the news.
Either refund the money, or change the car, at least change it to a good one, and remove the expenses that should be removed. This is a small matter, don't worry, I can handle it.
Meng Xiaoxian's copywriting, what do you say? Start it now?"
"Start now. Let's find an introduction first to bring out the topic. By the way, Duan Tianya, have you done it?"
"I did it. I contacted several local newspapers and media in Shanghai and gave him a private interview. I also set up an online channel operation.
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 have programs for three to five minutes, and they also arrange for him to watch a variety show, a live audience seat with a few seconds of footage, one of the judges.
lens.
What he needs is offline traffic. To be precise, let people he knows know that he is an artist now. He doesn't care about online traffic at all.
He is quite satisfied with our arrangement, and a documentary specially shot for him is also being produced, and it will be broadcast at midnight on Shanghai News Channel when the time comes."
"Okay, just arrange it. Meng Xiaoxian doesn't need to be operated offline. It won't have any effect. Moreover, this can only be used for video operations, not text. The effect of text is not great.
The delivery platform is mainly a platform that can transmit videos, and is pushed directly to the homepage, such as the news video column of Weibo, Tieba, Aiyouteng and other video websites.
In terms of time, try to push it around 8 pm, from Tuesday to Thursday. Monday, Friday, Saturday and Sunday are all the time for celebrities to attract traffic. Operations during that time period are too difficult for this kind of amateurs to get out of the circle.
Traffic is too low.
By the way, have you contacted the modeling agency that I asked you to contact before?"
