After picking up the rice and taking a shower, fatigue surged up. Wang Yan was tired, hot and hungry, and stuck out his tongue.

In the summer, it is really not easy to mess around everywhere.

It would be great if there was a car. The air conditioner was turned on and the light wind was blowing, and the matter was done comfortably. Why bother to suffer like this?

Well, when you have saved enough money, you must pick up a car!

It seems that the Audi A4l is good, with a fashionable appearance and a high-end price. It will definitely be very cool when you open it on a university campus!

In fact, Wang Yan had never seen any luxury cars. The baby born in a village in the city was a rural child before the demolition came.

Even if you are lucky, you will be a nouveau riche.

Among the models that drive to the campus gate to pick up their children from school, Wang Yan admires the most is the A4L. It is a good car based on its appearance.

With a cool wind on a4l, Wang Yan gradually fell asleep.

I lay down yesterday but tossed and turned and couldn't sleep. I got up early and tossed for another morning and he was really tired.

In the dream, the sky was intertwined with light, and there were beautiful women in the palace, holding delicious wine and constantly serving them to the throne. In the hall were crowded with merchants from all over the world, waving all kinds of novel things, trying to win the smile of the king.

The man on the throne had a leisurely posture and aura that was like a mountain or a sea, but he couldn't see his face clearly.

Who is that?

...

Wake up from a messy dream, the eldest brother who was applying for the certificate called.

"It's done? OK, I'll go there right away!"

...

Two very simple things, I charged Wang Yan 300 yuan.

I took the radish seal and pressed it on the discarded documents of the Education Bureau. The two seals were basically the same and the skills were quite good.

Very good, worth it!

As for the payment order, Wang Yan made 30 pieces in one go. It’s hard to say whether it can be used up. Anyway, just try your best.

Go home directly when you go out, print 30 blank income certificates in fixed format at the village entrance photocopy club, fill in them one by one, and then stamp them.

After collecting the things, Wang Yan carefully took a look and found that it was basically all.

The only difference is: personal credit report.

Wang Yan logged into the People's Bank of China Credit Reporting Center with his new mobile phone number, registered as Liu Dapeng, inquired about personal credit information, and saved PDF.

Bring the whole set of guys, and heading straight to the Financial Street with great confidence.

Now that I haven't rented a house, I definitely can't go to Huhai. Wang Yan casually walked into the first store on the right side of the road.

The first floor of this company, called Changfu, has not even been renovated. The few empty rooms and waiting areas separated are empty, and there is only a consultation desk standing alone in front of the stairs.

Wang Yan said, "I want to take a loan", and the front desk quickly called a salesman.

Thumb thumb thumb thumb trotting on the floor with high heels, and the one who came down was a young girl, who looked even more immature than Wang Yan who deliberately did not shave.

Wang Yan's skin is not very good, it is dark and rough, and his sighing stubble looks like he is in his early 20s, so the girl came up and said, "Big Brother".

Wang Yan held back his laughter and followed her upstairs.

Say hello on the stairs first, do you need to go to your home to check it?

The girl replied: "As long as you don't apply for a real estate mortgage loan or don't provide a home purchase contract, you don't need to come to verify the housing situation."

That's good, start filling out the form.

When doing fill-in-the-blank questions, the girl kept inspiring: "Brother, you can apply for a credit loan of 80,000 yuan directly. Based on your institution and your monthly salary of 7,000 yuan, even if the above discounts, you will be granted 60,000 yuan."

Wang Yan insisted on applying for only 40,000 yuan.

It’s not that I don’t want to get more money, but that I have a big picture in my heart.

According to Brother Xizi, a small loan company has an important division of more than 50,000 yuan and less than 50,000 yuan.

Once the application amount exceeds 50,000, not only will the review be more detailed, but the probability of being killed is as high as 50%. The higher the application amount, the harder it is to approve it.

If you apply for 40,000 yuan, if the credit report is not bad, the probability of passing directly is 90%.

I went to 20 micro loan companies to do 20 loans, each time I applied for 50,000, the probability of passing the review was 50%, and finally got 500,000.

Each time you apply for 40,000 yuan, the probability of passing the review is 90%, and you will finally get 720,000 yuan.

How big is the gap?

...

Next, continue to fill out the form, the term is 24 months, and the purpose is decoration...

All of them are some minor details and they are done very smoothly.

Then he took the girl and the marketing department manager to the Education Bureau to verify the unit.

July is the time for the education holiday. Aunt Wang Yan is contacting the new school uniforms of each school and is in the unit, and she can’t even see a ghost in other offices.

Seeing Wang Yan open the office door with the key, the manager smiled and said, "Sir, please rest assured. We will upload the application tonight. If it goes well, we will call to visit tomorrow morning and we will be able to sign the contract and get the money in the afternoon."

The two sides waved goodbye, and Wang Yan ran away to 7 more places.

There are 4 companies that are not even lazy to go to the unit, and one of the remaining three companies needs to check their housing, but it has not been completed yet.

At this time, it was the golden age when the offline store business of micro-loans was the hottest. The little Wang Yan was like a drop of water in the sea, so small and unattractive.

When I fell asleep exhausted at night, Wang Yan even thought: If this continues, how many families can I build?

50 companies?

100 companies?

New companies open every day, old companies go bankrupt every day. It’s such a savage and vital industry...

A good night's sleep.

When he got up the next day, Wang Yan changed his clothes, put on his baseball cap, and went out with the donkey briefcase he bought at the night market last night.

Continue to get small loans.

When filling out the form, Wang Yan saw a trace of unconcealed ridicule in a certain salesperson's eyes. It was probably because the donkey package was so fake?

Not only was Wang Yan not angry, but he was full of bad thoughts: When your family’s money came out, I will buy a genuine product and say thank you in advance!

In the morning, verification calls started one after another, and the beginning was 010,021 or something.

Changfu's risk control raises a special question: "Sir, why is no one answering your office phone number?"

Wang Yan replied calmly: "The bureau is on summer vacation, and of course my colleagues are not here. If you need it, I can go back in the afternoon and respond to you by phone."

The customer service said nothing more and said goodbye politely.

In the afternoon, Wang Yan was leading a manager to verify the office space. The salesperson of Changfu Company suddenly called and spoke in a very excited tone.

"Sir, your loan has been approved and you can sign the contract!"

Wang Yan calmly sent the manager away, then took a car alone and rushed to Financial Street.

The signing process is very simple. Ten minutes later, Wang Yan came to the CCB ATM and silently entered his password.

Balance: 40,000.00 yuan!
Chapter completed!