We finally entered the footpath and took a look at the house. Although the house was turned into a grid-style massage room, the layout was good. The bathrooms and storage rooms were all planned in specific locations. There was an iron door on the second floor with a cannon inside. The room is gloomy inside, but as long as the windows are opened and the gun room is demolished, the lighting on the second floor will be very good, because he and Ma Xiaoyou's studio face the same direction.
"Sister Xin, this house belongs to you." Lao Xian asked familiarly.
"After doing this for so many years, I saved up this house," a somewhat bloated old woman wearing pajamas replied calmly.
"Are you planning to sell or rent?" I also asked.
"Everything is fine, rent for 120,000 yuan a year, sell for 13,000 yuan per square meter." The old ladies have obviously talked to many customers and are very familiar with the prices.
"Since I have been your customer for many years, let's discuss a friendship price," the old immortal asked, baring his teeth.
"You came to my house to play."
"Well, I played here on my first night." The old immortal nodded quickly.
"Okay, if you really want my house, I will ask Xiaohong to give you a complete set." The old lady nodded.
"Nannan, this house is nice, let's rent it." Lao Xian suddenly couldn't tell the inside and outside, and whispered to me.
"Sister Xin, let me tell you the truth. If I want to rent this house, I will definitely not be able to rent it for a year or two. But now, I have limited funds. Do you think this will work? I will pay the rent for one year and then pay the rent again." A deposit of 20,000 yuan, and then we sign a five-year lease contract. If you agree, I won’t bargain with you, okay?" I asked after deliberation.
The purpose of saying this is because I want to buy this house, and the investment in decoration will definitely be a lot of money, but her rent is not cheap. She has to pay rent for five years at a time, which is at least 600,000 yuan. This is too much money. It will affect the operation of my loan company, and if I only sign a one-year contract, if she doesn't want to rent it after one year, then my decoration money will be wasted, and the company will have to move, which will be a big loss.
"Why are you so good at doing business? The house prices are changing day by day. Don't say five years, just two years from now, the price will be high even in two years. I will sign a five-year contract with you, just in case this house expert If it rises to 160,000 to 70,000 a year, how much money will I have to pay?" Sister Xin said as a veteran.
"Don't worry, I will definitely not take advantage of you. You can add a clause in the contract. The annual rent will be renegotiated based on the average price of ten real estate agencies. Sister Xin, we are in the business. As long as you don't increase it too much, We have also made money, so it doesn't matter whether the increase is more or less, as long as it doesn't cause us any trouble." I said clearly and logically.
"Why don't you negotiate the price?" Sister Xin thought for a moment and asked.
"You have to promise, I will definitely not bargain. I'm just afraid that you will have to sell the house out after half the rent. To tell you the truth, I can buy your house now, but I can do it. But The deposit is a bit too much, if you let me wait for a year and a half, maybe I will sign a sale and purchase agreement with you." I said braggingly, this house costs at least three to four million, where can I buy it? So much money to go.
"What kind of company do you work for?" Sister Xin said cautiously.
"loan company."
"You can't cause trouble in my house."
"Sister, we are a loan company, not a slaughterhouse, what could happen?" I said sweating furiously.
"Okay, then I will do as you say, but I have agreed in advance that if the house price goes up, I will definitely go up with it, and I will live on this house." Sister Xin nodded in agreement.
"Don't worry, it's all right. My brother is nothing but particular."
"Well, I see that you are also a member of the public and cannot do anything to damage the basket." Sister Xin said with a false compliment.
Just like that, that afternoon, I signed a rental agreement with Sister Xin. There were still a few girls here who had not been dismissed, and some things in the house were confiscated, so Sister Xin asked me to give her a few days. I thought about this It would take time to contact the decoration company again, so I promised her to postpone it for a few days.
Time passed quietly like water. In the blink of an eye, it was March. After more than ten days of decoration and a week of relaxation, the loan company was put up for business. Its name was Xincheng Small Loan, which means credibility and honesty. From then on We've finally entered the financial industry.
Because we have been rooted in the gangster circle for a long time, on the first day of opening, we collected one year's rent with just a few dollars, and many friends also cheered, but the premise is that they must really use it. Money, because no matter how good the relationship is, there is no need to have money in hand and I have to borrow it from you. This is not how favors are done.
The store has just opened and there are almost no individual customers. I am not in a hurry, just take my time.
The company has recruited seven or eight salesmen, with a basic salary of more than one thousand per month, but 10% of the total interest, which is considered as business commission. These people are Laoxian, Shuishui, Menmen, Jin Beibei, etc. Recommended by others, they are considered direct members of my family. These people have nothing to do during working hours. They hold the computer and play games every day. They only start working after work in the evening. But don’t tell me, they are really capable. I don't know how these people managed to get a loan from a customer. They could sign a loan of 10,000 to 20,000 yuan after just one drink.
I have a total of more than two million in cash, and more than half of it has been paid out. I calculated the interest, and most of them are calculated as five cents. Ten thousand a month is five hundred, one hundred thousand is five thousand, and one million is five thousand. Ten thousand, that is to say, if there are no bad debts here, our current monthly income is about fifty thousand, but this is gross profit, not counting rent, staff expenses and inexplicable entertainment expenses.
This is a bit different from what I thought. I feel that the money is still a little less. On this day, Lao Xian, Menmen, Shuishui and I were sitting in the room chatting.
"If we keep going like this, there will be too many troubles. There are too many orders of 10,000 to 20,000 yuan, and it will be difficult to put them away." I sat together, holding the fake flowers that Ma Xiaoyou gave me, and said sadly.
"Just say something useless. You can't eat a fat man in one bite. Just be a little smaller. After all, we still have work to do. Just be content." Lao Xian curled his lips and replied.
"Besides, you want to organize some small business loans. Do we have that much money? Someone really wants to lend one or two million on a yearly basis. How can you lend them to people?" Menmen also said to me.
"I was worried about this. I thought one or two million was a lot. Who knew that if I stepped in, this little money would be just a hair. How do other loan companies operate? Seven or eight companies are united together to share resources. , the interest is divided equally, and the properties of several families are pooled together, we can accept orders of 40 to 50 million yuan, fuck." I said feeling quite tired.
"I have a way to generate some money." Li Shuishui suddenly corrected himself, his eyes were quite deep.
"Sister, how do you get pregnant? Sperm, hey, tell me, do you need money?" the old immortal asked indifferently.
"Fuck you, why are you saying every good thing in your mouth?" Li Shuishui frowned and scolded, then thought for a moment and said to me: "Look for someone from the bank to get some large-denomination credit cards, and we'll get two of them each." , If you have an order, find a company to cooperate with, use POS to cash out, and give it some handling fees, and use the bank's money to lend out, and the bank interest will be higher. After we repay the loan, we can earn at least four cents of gross profit. This is called a white wolf with empty gloves."
As soon as he finished speaking, we were all stunned. This road was indeed quite wild.
"Is this fucking illegal?" I asked, blinking.
"If you can't pay back the money, it's a crime. If you can pay it back, it's not a crime. There are specialized companies doing cashing out at POS machines, and the handling fees are not high. We just need some liquidity in our hands to fill the hole in the credit card. If you do it more carefully, nothing will happen." Li Shuishui thought about this plan for a long time before he came up with it. It can be said that he thought about it during the day and at night. He thought about it until his hair turned gray. It was not for any other reason than to think about it sincerely. Help me, help these brothers.
"How much money do you think we can make?" I thought for a moment and asked.
"It's difficult to get a large credit card. Banks are very strict about it. If you are just one or two people, it doesn't matter. But if there are more people, you have to find someone to do it and you have to get a commission. But there are six or seven people who can support you." , it will be no problem to get 1.8 million." Li Shuishui explained.
"This method is reliable," Menmen thought for a moment and nodded.
"First we have the order, and then we use the POS machine to cash out. This way we almost lose nothing, which I think is good." Lao Xian agreed.
"Then Jb do it, you are responsible for this matter. Now I don't worry about not having to do it alone, but I worry about not having the money to put out. If I put out one million, I can still make 40,000 gross profit a month." I said After thinking about it for a while, I decided directly.
"Don't worry yet, I'll run and take a look." Li Shuishui nodded and replied.
"Okay, after we're done, we'll make two pieces each." I breathed a sigh of relief, loosened my collar and said, "Hurry up and get some food, I'm starving."
"The eldest prince," Lao Xian shouted downstairs.
A few minutes later, a fat young man walked up with his butt twisted and bared his teeth and asked: "What are you doing, Brother Xian?"
His nickname was the Big Prince. The origin of this name was that a few days after the opening, we went to drink together. He drank at least eight bottles of beer by himself. He drank until he was unconscious. He sang with whomever he caught: " When I was a child, I often sat on my father's shoulders. My father was the ladder to the sky, and my father was the oxen that pulled the cart."
This song touched us instantly, and we were nicknamed the Great Prince from then on.
"It's time, it's time to eat. Come downstairs to eat at the hour." Lao Xian shouted downstairs.
"Buy me a pizza and send it to Sister Ma next door." I added.
"No, sister is here to share the meal." Ma Xiaoyou followed Hu Zi and walked in shamelessly.
I looked down the stairs, and I was instantly struck by how crispy the outside was and how tender the inside was. I saw Hu Zi’s eyes were as naughty as ever. Maybe I hadn’t seen Niu Niu for a long time, and I felt a little depressed, and my ears were drooping. But that’s not the point. The point is. He was wearing pants today. Actually, wearing pants is not the point. The point is that these pants are quite luxurious and aristocratic.
The pure black pants have a shiny outer surface and look very textured.
"What the hell is this made of?" I asked Ma Xiaoyou in confusion.
"Mink." Ma Xiaoyou chirped back.
"Brother Tiger, Brother Tiger, you are so rich, and your pants are all made of mink. I feel inferior to you when I see you." The old fairy said in a daze. This book was first published on 17K Novel Network, No. 1