Chapter 254: Repay 50,000 per month
That's right, someone gave her a deposit of 2 million as a guarantee. If she doesn't know how to do it and allows the loan, there will be a risk of offending a big customer.
If this big customer is unhappy and cancels their bank account and deposits the money in another bank, the loss will be huge, and she may even be blamed and scolded by the leader.
Xia Lin was very satisfied with the bank staff's knowledge and said to the middle-aged woman wearing black-framed glasses.
"Okay, since the conditions are met, let's quickly apply for a loan for her according to the procedures."
The middle-aged woman nodded, cast her eyes on Qin Sisi, and then spoke solemnly.
"Little girl, how much do you want to borrow from our bank?" She
was busy trying to come up with loan conditions to embarrass the other party, but failed. The other party even brought in a big customer to guarantee her.
So now she has to hurry up to get a loan for the other party.
Qin Sisi stood in front of the counter, feeling the middle-aged woman's inconsistent attitude towards her, and couldn't help but sigh in her heart.
"Sure enough, no matter what time, rich people have some privileges. For example, if they don't want to give you a loan now, they can give you a deposit slip as a guarantee, and the bank staff will have to lick their faces to give you a loan."
Of course, she thought so in her heart, but Qin Sisi said with a smile on her face.
"Then please arrange a loan of 500,000 yuan for me, and repay it monthly."
Qin Sisi stopped talking here, frowned and thought seriously for a while, then slowly spoke.
"How about this, repay 50,000 yuan in cash every month!"
Just now she roughly estimated that after the loan, her fleet would have about twelve cars.
With so many cars and twelve drivers working from dawn to dusk, she would definitely make a lot of money from the freight in a month. Apart from the wages of the drivers, there are also various miscellaneous allowances. It shouldn't be difficult to repay 50,000 yuan a month and get a loan.
Xia Lin nodded, quite pleased with Qin Sisi's bold decision. He could have lent the five hundred thousand yuan directly to Qin Sisi, or he could have given it directly to Qin Sisi.
But Qin Sisi is a very opinionated and proactive woman. She will not borrow money from a private person, whether it is for friendship or favor, and she cannot take half a million yuan directly from him for no reason or reason.
So he could only ask for a guarantee for her, mortgage for her, and let her get a loan directly from the bank.
I have to admit that Xia Lin is a wise man. If Qin Sisi were asked to personally borrow 500,000 yuan from him, or directly take 500,000 yuan from Xia Lin, Qin Sisi would not do it.
After all, it is better to owe money to a bank. If you owe money to a private person, you always feel like you owe a large amount of favors. You want to pay it back but can't, and you always feel guilty. It is better to owe money to a bank. It is practical. You can pay it back whenever you want, without any psychological burden.
Of course, if Xia Lin gives Qin Sisi 10,000 yuan directly, she really can't take it. After all, she and Xia Lin are just ordinary friends. If someone gives her 500,000 yuan for nothing, would she dare to take it?
It is better to take out a loan. It is legitimate and you don't have to have any psychological burden. You just need to pay it back on time every month.
Compared to the calm faces of Qin Sisi and Xia Lin, the middle-aged woman in black-framed glasses seemed more surprised. She looked Qin Sisi up and down in front of the counter and said uncertainly.
"Ah, are you sure you want to pay so much in a month?"
Fifty thousand yuan is not a small amount. The girl in front of her looks pretty, weak, and seductive. She doesn't look like someone who can make money at all. Can she pay back fifty thousand yuan every month? Don't you find some shady men to support her? Pay her back with money!
Of course, compared to the scrutiny and inquiry in the middle-aged woman's eyes, as well as the suspicious look, Qin Sisi made the final decision and said with a firm look.
"No problem, borrow this 500,000 yuan, and I will pay back 50,000 yuan on time at the end of each month!"
Just imagine, how can a fleet owner with more than ten vehicles not be able to pay back 50,000 yuan in the golden age of the freight industry?
She can pay back more than this, but Qin Sisi has her own ideas.
The money she earns, in addition to paying off the loan and paying the driver's salary, the rest of the money must be kept in hand to see if there are other industries suitable for investment? If there are, the spare money left in hand can continue to be invested to earn more returns in the way of money making money.
As for the bank loan, it has to be repaid sooner or later. Instead of returning all the money to the bank as soon as possible, it is better to keep it in hand and see if there are more development opportunities?
Xia Lin looked at the middle-aged woman wearing black-framed glasses coldly, with a flash of displeasure in his eyes, and said in a deep voice.
"Why? When did your bank set up a rule to control how much customers pay back every month?"
Really, how much customers pay back every month is their decision. Why does a bank employee ask so many questions? You don't need to help pay back the loan.
He believes that Qin Sisi has the ability to pay back 50,000 yuan a month.
But what's with the middle-aged woman in black-framed glasses, who looks like she doesn't believe Qin Sisi can repay the loan?
Could it be that the customer applied for a loan of 50,000 yuan by himself? And he needs the approval of a small clerk like you?
Qin Sisi also felt that the bank clerk was too controlling. How much money she wanted to repay was her own business. Why should a bank clerk worry about it?
Thanks to Xia Lin for speaking up and helping her vent her anger, the middle-aged woman in black-framed glasses blushed and turned pale at Xia Lin's words. She
quickly withdrew her inquiring gaze and said with embarrassment.
"Okay, then, lady, you have a loan of 500,000 yuan and a monthly repayment
of 50,000 yuan. Please bring your ID card over and I will process the relevant documents for you." In fact, she was just curious about how this pretty little girl could repay 50,000 yuan a month. She wanted to learn more from the side, but was rejected by the big customer.
Qin Sisi took out her ID card from her pocket and handed it to the counter.
"This is my ID card. Please help me with it."
"Okay, please wait!"
This time, the middle-aged woman wearing black-framed glasses at the counter finally stopped whining and quickly took the ID card from Qin Sisi's hand to handle the business.
Fortunately, despite the gossips of the bank staff, the loan application process was very fast. In just about ten minutes, all the documents were ready. Next, the documents would be sent to the office of the bank president on the top floor for signature.
So, the middle-aged woman watched Qin Sisi sign her name, put the materials in order, and said politely to the two of them