Wan Pojun's words immediately caused a commotion among more than 700 members of the Ye family!
Although these collateral members of the Ye family are not the top entrepreneurs, they are still much smarter than those young people who mindlessly swipe credit card installments.
Those brainless young people think that installment payment is a very cost-effective thing, but little do they know that the bank has already understood their mentality.
The interest rate for each installment is 6% per thousand. It seems that if you pay 10,000 yuan in 12 installments, you only need to repay an extra 60 yuan a month, but 12 installments a year is 720 yuan!
Relative to the principal of 10,000 yuan, the annual interest rate for one-year installment is 7.2%!
This is just a rough calculation method. You must know that ten thousand yuan is not repaid once a year, but is repaid monthly in twelve installments. The principal of each installment is reduced, but the interest rate is fixed according to a certain period.
Calculating the principal of 10,000 yuan, if this is calculated, the actual interest rate even exceeds 13%!
This interest rate can be called a huge profit in the financial market.
Each of these collateral members of the Ye family has very good connections with banks and investors. If they really want to get a loan, they can easily get a large loan with an actual annualized interest rate of less than 5%. So after hearing this
Wan Pojun gave me this installment plan, and I couldn't help but curse him for his evil intentions.
So, someone said: "Master Wan... After all my cash has been given out, I am still short of two billion. Please give me one day. In only one day, I can use the mortgage loan to get these two billion."
One billion will be credited to your account!"
Others also echoed: "Yes, Master Wan, as long as you give us one day, we can get the mortgage loan! Please give us a little more time!"
Wan Pojun said coldly: "Grace is impossible. Each of you must make up all the arrears within an hour, otherwise you must sign an installment payment agreement!"
Each of these collateral members of the Ye family suddenly looked sad.
At this time, Ye Tianxiao blurted out: "Master Wan, I am willing to pay in installments!"
Everyone did not expect that Ye Tianxiao would be the first to give in. They were about to feel contempt in their hearts when they heard Ye Tianxiao continue to say: "I am willing to divide all the debts into two installments. Within two months, I will make up all the money."
superior."
When the others heard this, they immediately slapped their thighs.
They were previously frightened by the installment fee of six thousandths, but they forgot that they could actually choose the minimum number of installments.
If divided into two installments, you only need to pay two 6000ths, which adds up to 1.2%.
In this way, it will naturally feel much more comfortable.
As a result, many people began to actively express their opinions, some wanted to divide it into two phases, some wanted to split it into three phases, and at most they were willing to split it into six phases, and no more.
Wan Pojun couldn't help but frown, and he guessed the intention of this group of people. They must want to make as few installments as possible first, and then seize the time to raise funds to fill the installment hole.
This way you can get rid of the high interest rate trap of installment payment.
However, Wan Pojun didn't know the specific regulations at this time, and Ye Chen didn't tell himself what the specific requirements for the installment payment method were in terms of the number of installments.
Just when he didn't know how to define it, he heard a familiar voice loudly say: "Master Wan, I suggest you give a fixed installment ratio. Anyone who cannot pay in cash and chooses to pay in installments must choose at least six installments.
Ten installments, no cap!”
Everyone immediately followed the sound and saw Ye Chen striding over, accompanied by Tang Sihai.