Not to mention Nil Wan was frightened, even Li Xin was frightened and staggered.
What the hell?
Twenty million!
My dear mother, this is not such a waste of money...
Even Li Xin, who had been cheating and tricking the old lady into saving money all day, couldn't bear it at this moment.
The difference between 10 million and 20 million is not just 1!
"Classmate Yang, since you are willing, today I, Li Xin, will risk everything and apply for a premium of 20 million for you!"
After saying that, Li Xin laughed so hard that he could hardly close his mouth from ear to ear.
Why does he work so tirelessly to sell insurance? He’s not rich!
Deposits, financial management, insurance, among which insurance money has the highest rebate.
If he, Li Xin, could really get a 20 million financial insurance order, the commission fee alone would probably be more than 2 million.
But just when Li Xin was happily and ecstatically waiting to take advantage of Yang Jianguang, a stupid guy with a lot of money, there was a "bang" that shocked Li Xin.
Then Yang Jianguang, who looked honest and honest in front of him, calmly said to Li Xin.
"President Li, do you really think I'm a fool?"
"The highest return from your Construction Bank's financial management has reached an annual interest rate of about 14 points. Is the interest rate you gave me ten points high?"
Yang Jianguang's sudden voice almost made Li Xin break into a cold sweat.
"This... this, Classmate Yang, you misunderstood."
Fortunately, Li Xin reacted in time and explained with a heartbroken look.
"This insurance is different from financial management. This project of mine is a rare financial insurance that has both the benefits of financial management and the protection of insurance!"
"Besides, if you don't like insurance, classmate Yang, it doesn't matter. We can also switch to financial management. I am the most brotherly person and I guarantee to recommend a financial management project with the highest profit!"
Li Xin looked very righteous, but Yang Jianguang sneered.
Talk about brotherly loyalty?
What the hell!
The co-authored brother is just for you to poke at your ribs, right?
First of all, as a bank, it is not a good thing to be able to recommend people to buy insurance.
Indeed, the financial insurance conditions mentioned by Li Xin are excellent.
With an annual income of ten points and high insurance protection, the principal will be returned in full after ten years.
But you know, all the insurances in the world are the same?
Except for two situations where no compensation will be paid in the event of an accident, we will compensate you unconditionally in all other situations.
That means we won’t compensate for this, and we won’t compensate for that!
In addition, an annualized income of ten points in ten years is equivalent to the return of the principal this time, right?
If you think too much and just add the two highest numbers in front of the ten points, your mind will be confused.
In the end, the conditions for repaying the principal after these ten years are harsh, but the problem will arise when you finally get back the principal after working hard and diligently for ten years.
First of all, the bank waved its hand, it was not me who did business with you before, that person has been reincarnated, you can find someone else.
Then the insurance company waved its hand and said, "Sorry, the premium you paid will be divided into 100 years and paid to you according to the contract, with 1% paid every year."
So in summary, it can be concluded that if a credible institution like a bank deceives people into buying insurance for the sake of profit returns, it is totally shameless.
"President Li, are you going to continue to fool me here?"
Yang Jianguang suddenly interrupted Li Xin who was talking eloquently and said directly.
Li Xin was stunned and looked up at Yang Jianguang in disbelief.
Yang Jianguang was not polite and directly picked up the insurance contract from Li Xin. After flipping it skillfully for a while, he pointed at it and said to Li Xin.
"The maximum interest rate is ten points, Mr. Li, what is the minimum interest rate?"
And here, my premium is 20 million for ten years, and the maximum insured amount is only 20 million, so why should I buy it?"
"As for what you said about giving me a lot of extravagant money after ten years, will it be a one-time return, or will it be given to me little by little over ten or twenty years, like squeezing toothpaste?"
Yang Jianguang asked questions one after another, making Li Xin speechless.
Li Xin's mouth opened wide. There was a thick stack of contracts. How did Yang Jianguang find the pit in it so quickly?
When Li Xin was speechless, Yang Jianguang's voice started to sound again.
"It's very simple for me to save money. First, approve a loan of the same amount for me. I can sign a short-term or current financial management contract with your bank."
Having said this, Li Xin has no intention of continuing to deceive Yang Jianguang.
He looked at the exceptionally young Yang Jianguang outside and swallowed his saliva?
Cheating, honest, and inexperienced?
Damn it, this guy is smarter than a monkey!
Since he was knowledgeable, Li Xin was wise enough not to mention insurance anymore.
The other party knows that insurance is a scam, and if you bring it up again, you are treating the other party as a fool.
After a friendly back-and-forth exchange, Li Xin finally reached a final agreement with Yang Jianguang with a wry smile.
Yang Jianguang made a one-year time deposit of 20 million in the bank, but because the time was too short, the interest rate on the deposit was only 10 points.
At the same time, Li Xin, on behalf of China Construction Bank, agreed to Yang Jianguang's quick loan using the high-amount time deposit as collateral.
The loan amount is also 20 million, but the annual interest payment is only 5 points.
This may sound a bit funny. If you save 20 million and get 2 million in interest per year, you can borrow 20 million and only get 1 million in interest per year. Isn’t the bank doing a loss-making business?
In fact, this situation is very common. In order to complete the task of attracting user deposits, some bank staff may receive a commission.
Do not hesitate to sacrifice part of your profits to do this kind of loss-making business.
What's more, the five points of interest on the loss does not need to be paid by Li Xin, the president. It is the bank's money that is spent, Li Xin's performance is increased, and the turnover of the entire Construction Bank is increased...
After reaching a consensus, both parties happily signed the contract. After a few days of waiting for the process to be completed, the 20 million on Yang Jianguang's bank card will be frozen, and the 20 million approved for the loan will also be released to Yang Jianguang's account.
.
I don’t know, but at first glance, Yang Jianguang’s account had an extra 20 million in the blink of an eye.
After doing all this, Yang Jianguang and Li Xin walked out of the VIP room talking and laughing.
For Li Xin, although he did not trick Yang Jianguang into buying insurance.
But financial management and loans can also increase one's performance in disguised form.
And an 18-year-old can have 27 million on his bank card, so Li Xin naturally has to be friends with him.
For Yang Jianguang, this trip to China Construction Bank is a sure-fire way to make money without losing money.
Otherwise, what people say is that being able to borrow money from the bank and spend it here and there is the most enjoyable thing.
Of course, not everyone can do this kind of profit-making thing.
First of all, you must have this value and be worthy of being attracted by the bank. People who are worthy of the bank will take you with them even if they lose money.
Secondly, you have to be clear about the bank's routines so as not to be fooled into buying useless insurance.
The two of them walked and talked.
Suddenly, an attentive greeting sounded towards Yang Jianguang from the side.
"Little brother, do you still remember me? It's me!"
Yang Jianguang turned around and saw that Wave Juan was extending his right hand to him passionately.
But what dumbfounded Lang Juan was that Yang Jianguang in front of him turned his head and said crisply.