"Gugu, Gugu"

It was almost 12 o'clock in the blink of an eye. I worked hard all morning and watched another wave of market conditions. When I was nervous, I was extremely hungry and my stomach started to scream.

No matter how I look at it, the Bank of China doesn’t seem to be able to control lunch. Shang Fuhai left here and found a bun shop around the People’s Park to deal with it. While eating, the ringtone of the cell phone rang.

When I saw that it was a strange Bocheng landline number, I hesitated between connecting and not connecting, but it was connected.

"Hey, hello, is it Mr. Shang? I am the Agricultural Bank Credit Center." The phone came with a professional voice in Bocheng's strong dialect.

Shang Fuhai was stunned for a moment: "Agricultural Bank Credit? Are you asking me for something?"

The main reason is that his house is a loan from the Agricultural Bank of China, so he is more sensitive to this. Besides, it seems like a coincidence. He just got a securities account in the morning and was in a hurry to send money, so he called to send money?

"Mr. Shang, is it convenient for you to answer the phone now?"

"Yes, you tell me."

"Mr. Shang, that's right. You are a VIP customer of our bank. Our bank can now provide interest-free loans within the policy period in accordance with the current national policies. Do you have any financial needs?"

Shang Fuhai was a little stunned. He thought about it carefully. He seemed to have such a vague impression in his memory in his previous life. Why did he come back? He treated it as a liar. He didn't know what he did when he took the money at that time, so he ignored him.

But he is short of money now.

Shang Fuhai thought a lot for a while and asked cautiously: "There is still something like this? Why don't I know? I haven't heard of preferential policies in this regard."

"Mr. Shang, that's right. Our bank has just received a policy document issued. Our policy is only for high-quality VIP customers within our bank. I know Mr. Shang, you may have questions. If Mr. Shang does have financial needs, it is convenient to take some time to come to our credit center to find out in person. It is the branch credit center where Mr. Shang handles mortgage loans." The other party seemed to notice that Shang Fuhai had some meaning in this regard, and directly pointed it out.

I am not afraid that Shang Fuhai will not go, but I am afraid that Shang Fuhai will treat him as a liar.

After hearing what he said, Shang Fuhai got a question in his heart, worried that he didn't know where to get the money. If the bank could really give him a sum of money, he would not be polite to accept it.

As for the issue of repayment in the future, will he be afraid?

"Sir, your surname is yours." He asked, sure the other party is not a liar anymore, it's easy to talk about, and it's a realist.

"Mr. Shang is polite, please don't have your surname Ma"

"Oh, Manager Ma, that's right. I'm doing a business in the city now. I just finished talking about it and I'll have time in the afternoon. How will I go there later?" Shang Fuhai packaged himself again.

"Of course, we can go to work at 1:30 pm and we will meet and chat."

This unexpected telephone exchange ended here. Shang Fuhai still had a few questions, but there was no one to solve his doubts for a while. He turned back to the bun shop and ate two more meat buns. At the same time, he opened it with his mobile phone and entered relevant keywords. He couldn't find any useful information.

After almost the time was over, I stepped forward to the Agricultural Bank where I used to apply for a mortgage loan.

At 1:30 in the afternoon, Shang Fuhai arrived at the place on time. When he saw the person who called him, he had no questions. This person was the person who handled his mortgage loan.

However, when Shang Fuhai applied for a mortgage, he was absolutely a naughty person. He was not so concise and did not leave any phone calls. More than a year passed, and he forgot the other party's voice, and he didn't remember when answering the phone.

After not coming for more than a year, this Agricultural Bank branch has been upgraded and renovated. The new decoration style is eye-catching. The separate isolation office and the drinks, fruits and snacks that have been prepared have made Shang Fuhai feel the treatment of "high-quality VIP customers".

OK!

The bank is really rich!

Manager Ma handed him a document: "Mr. Shang, this is the internal policy clause of our bank. You can take a look first. If you don't know anything, you can ask me."

Shang Fuhai really read it carefully. Judging from the content of the document, there is indeed such a policy. The document clearly states that high-quality customers of our bank who meet the conditions can apply for two years of interest-free loans.

As for the loan amount, it must have been not written in this document, and Shang Fuhai felt a little itchy.

"Manager Ma, according to the requirements of your policy, am I a qualified customer?"

Manager Ma smiled: "Mr. Shang, you are joking. We have strict policy regulations. We will not notify this policy for customers who do not meet the conditions."

Shang Fuhai praised the man in his heart when he spoke: "Since he meets the conditions, I want to know how much interest-free loan I can get?"

Manager Ma did not answer him directly, and typing the keyboard at the computer for a while, and then a quota of 235,000 was released on the display screen on Shang Fuhai, with algorithms below.

Shang Fuhai carefully calculated all the contents. Good guy, he revalued his house according to the bank's evaluation calculation method, removed the part that still needs to be repaid, and combined with Shang Fuhai's regional social security, income repayment turnover in the previous year, etc.

To put it bluntly, he just took him out inside and outside.

If you didn’t really want to get this money, Shang Fuhai really wanted to punch him. Your uncle, I have no secrets here with you!

Manager Ma said again: "Mr. Shang, according to our bank's comprehensive assessment of you, you can get a two-year interest-free loan of 235,000 yuan. The repayment methods include monthly repayment and annual repayment. Do you have any questions?"

Shang Fuhai narrowed his eyes and looked at him for a moment, saying, "Manager Ma, aren't you afraid that I won't pay it back then?"

"Mr. Shang, you are joking. The property under your name is still in our bank and has not been released..." Manager Ma said half a sentence with a smile. Shang Fuhai understood the remaining half. Don't pay back the money, right? The house will be in the bank. They are lowering the appraisal amount and are they still afraid that the house will be insolvent?

Where is the bank?

"Then what procedure should I go through? How long will it take to get this money?" Shang Fuhai stopped talking nonsense. The others' words fell on the surface. He also needed money, the faster the better. Maybe he would make the money back one day earlier.

Manager Ma smiled brilliantly this time, the kind from the heart.

There are also loan tasks assigned to them above, and each full amount is completed, there will be a bonus. As for whether the other party can repay the loan at that time, they don’t care. The bank has a department that specializes in handling related affairs. Besides, when the bank has lost bad debts in the past.

"Mr. Shang, your relevant loan information is registered in our bank. If you want the amount to be increased, you can reissue a certificate of income and social security payment. If the amount does not need to be increased, we can prepare the relevant loan contract now, and you only need to sign it."

"If you take out a loan, I can help Mr. Shang to lend within 5 working days."

"Can you lend money so soon within 5 working days?"

"Mr. Shang, it mainly takes a long time to review the customer qualifications, but you are a high-quality VIP customer of our bank. We don't need to delay too long in terms of qualifications." Manager Ma gave a reasonable explanation.

After hearing what he said, Shang Fuhai remembered another thing, and it was when he followed the neighbors in the community to Ping An Insurance to attend classes and receive gifts. When he heard from Ping An Insurance's account manager that as long as he was a Ping An customer of China, he could apply for Ping An loan, and they could lend money within 48 hours!

The premise is that it must be a customer of Ping An of China.

At the same time, he thought of various Huabei, Youqianhua, Wechat Loan, etc. that were derived from a few years later. Any quota of 30,000 to 40,000 or 80,000 can be loaned in minutes...
Chapter completed!