Buying a Car, Taking Out a Loan, Selling Land

A white shirt that was a size too small, worn with a light vest, which was both professional and stylish. The dark gray skirt was a bit too short, but this kind of outfit has become quite common now.

Jobs are hard to find these days, and everyone is already working very hard.

Lin Qi glanced at it and nodded. He looked at the name tag on the girl's chest, which read "Sales Manager." This was probably the cheapest privilege that ordinary people could enjoy.

Besides this title, she also has a name, Beth, a very ordinary name.

She was holding a writing board in one hand and a pen in the other, which she placed on the writing board, giving her a very professional look. At the same time, she was asking Lin Qi about his car purchase preferences.

This is a common tactic: recording a client's preferences in front of them makes them feel valued. However, this "value" will soon be resold to consulting firms and car manufacturers. It may indeed be a form of value, but it can be sold for money.

Customers like Lin Qi who buy luxury cars can command higher prices because of their "importance".

Lin Qi mentioned several requirements: it should be aesthetically pleasing, elegant, somewhat serious, and dignified.

These requirements piqued the girl's interest, and she led Lin Qi to another exhibition hall where some of the more well-known luxury cars in the Federal were parked, mostly sedans.

Sedans are more expensive and have a wider audience in society. Even the president's car is a luxury sedan, which further convinces people that sedans are a type of vehicle suitable for formal occasions, rather than Business Travel Car with strong "cost-effectiveness".

People's perception of Business Travel Car often stems from their suitability for family use. Therefore, even if Business Travel Car are no worse than sedans in terms of materials and technology, they will be much cheaper because they are not considered formal enough.

A large number of luxury cars were parked together. Lin Qi was somewhat surprised to see that the girl could name them and their manufacturers without hesitation. In Lin Qi's opinion, these cars were actually all pretty much the same.

Perhaps due to limitations in current industrial processes, or perhaps due to current aesthetic preferences, there is generally not much difference between the styles of sedans. In some cases, it is even impossible to distinguish between different brands of cars by their appearance.

This also reduced Lin Qi's desire to choose a car considerably, since they all looked pretty much the same anyway, and he was just buying a car with a different logo.

"Do you have any good recommendations?" Lin Qi casually touched the paint on a car and felt that it wasn't too bad. He turned to look at the Sales Manager.

The Sales Manager's smile vanished in an instant; such generous customers were a rarity these days. With a hint of anticipation, she cautiously asked, "Sir, what is your budget?"

Lin Qi smiled. Handsome boys always have such a bright and sunny smile. Beth's eyes were a little blurry. "It has to meet my requirements, as good as possible, not those entry-level cars."

He didn't give a direct answer to the budget request, but Beth had a pretty good idea of what was going on. She immediately led Lin Qi to a bright silver car. This car was indeed a bit different from the others; its front engine compartment was longer, and the entire body was also longer.

It should have seemed out of place, but it somehow possessed an indescribable beauty, perhaps due to its mirror-silver paint.

"This is the latest and most luxurious model in the House luxury sedan series. Some domestic celebrities and politicians bought it as soon as possible, and its price is less than 100,000 yuan. It is definitely the most suitable choice for you."

Lin Qi took a quick look around, and with Beth's introduction, he even got in the car to experience the fully wrapped leather rear seats and the ability to fold flat. It even had a record player and radio function, and listening to the radio in the car was an enjoyment that only luxury cars could offer.

"How much?" Lin Qi patted the car body and added, "There are some parts I don't like. Do you have anyone here who can modify them?"

After a period of friendly negotiations, Lin Qi finally bought the car for $120,000. After refusing Manager Beth's request for home delivery, Lin Qi drove the car out of the dealership himself and went straight to the bank to find Qiao Geliman.

When he found Qiao Geliman, Qiao Geliman was chatting with his subordinates. He had been in a good mood recently, and the state branch had twice praised his outstanding achievements during this period in conference calls, and called on everyone to learn from him.

Some even questioned whether he could take over as the local bank president. If this thing, which he never dared to dream of before, became a reality, he would immediately be able to enter the upper class of society, and all of this was brought about by this young man, Lin Qi.

When he heard that Lin Qi was coming to visit him, he immediately dismissed everyone else in the office and personally led Lin Qi into the office.

He opened the box on the table, picked out a plain-colored one, handed it over, and casually asked, "Is there anything I can do for you?"

His words were filled with warmth and joy. Lin Qi cut open the two ends of Paradise, and Qiao Geliman immediately took the blowtorch and lit the pure color for him.

Lin Qi casually tossed the proof of his car purchase onto the table, and Qiao Geliman raised an eyebrow and began to examine it closely.

Although he acts like everything is easy to talk about and everything can be done, he immediately becomes serious and meticulous when he gets to work.

After reviewing the documents and complete tax payment certificates, he looked up at Lin Qi and said, "If you want to buy a car, you can come to me. I know local dealers who will give you a cheaper price."

Cars, which can be considered luxury items, are not as easy to sell as people imagine, especially luxury cars. Apart from a few particularly popular models, most luxury cars are in a state of sluggish sales.

Car manufacturers and dealers have a large number of cars stuck in inventory. The inability to quickly convert these cars into cash has dragged down their working capital. To solve these problems, they often mortgage these cars to banks and use bank loans to alleviate their financial pressure.

Qiao Geliman could easily get a very low discount price, and those who wanted to borrow money from him and wanted to reduce the fees would definitely have to offer something in return.

This kind of operation, which isn't considered illegal, won't be investigated. It's just one of the many perks for people working in the banking industry; they always manage to maintain good relationships with companies.

Lin Qi shook his head and exhaled a puff of smoke. "I'm applying for a low-interest loan for a car worth 120,000. How much can you lend me?"

Qiao Geliman looked at the materials in his hand, then kept one of them and picked up the phone to have his secretary prepare a mortgage loan agreement.

After he hung up the phone, he smiled and said, "I'll try my best to give you a reasonable price. We're friends, right?"

Lin Qi nodded, waving the solid-colored hand he was holding to affirm Qiao Geliman's words, "We are friends."

Bank valuations are often not based on the listed selling price of a product; something worth 100 yuan may only be worth 50 or 60 yuan in their hands.

However, there are still some things that cannot be done. For example, there may be errors in valuation, real-time price fluctuations, and many methods can cause some discrepancies between the valuation and the final result. This is normal, and the annual Bad Debt target is designed to deal with these situations.

Using these metrics would prevent superiors from criticizing Qiao Geliman's mistakes, even though the Loan Department itself carries significant risk.

A few years ago, the price of Walsiduo Gem was around 2,000 yuan per carat. However, suddenly, it was revealed that a huge Walsiduo Gem mine was discovered in the area, and the price of all gemstones on the market dropped from 2,000 yuan per carat to 200 yuan per carat.

This was something no one could reverse on their own, and the banks certainly suffered significant losses as well. Jewelry has always been the most popular form of collateral, and there has been no record of any bank criticizing the people who handled the transactions that accepted these gems as collateral.

They won't use these metrics, nor will they praise Qiao Geliman's risk management; they'll just think it's what he should be doing.

So whether you use it or not won't have any real impact on you, so why not use it? Therefore, no one will investigate these permissible mistakes. As long as they are not too excessive and do not exceed a threshold that everyone tacitly agrees on, no one will take the initiative to talk about these work-related matters.

Soon, Lin Qi signed a mortgage contract, and then 120,000 yuan in cash was directly transferred into his account. He would need to pay the bank 100 yuan in interest every month until he could repay the money or could no longer afford to repay it.

This practice was not invented by Lin Qi; in fact, it had been prevalent in various industries before that. Otherwise, Qiao Geliman would not have known what he wanted to do without Lin Qi's prompting.

For Qiao Geliman, this seemingly insignificant incident once again deepened his connection with Lin Qi.

As for Lin Qi, he bought a luxury car worth 100,000 yuan for 150 yuan a month, so neither of them lost out.

After discussing these minor matters, Lin Qi revealed his true purpose: he intended to sell the land currently occupied by the Sabine City Professional Football Club.

If he keeps the land, he won't have the funds to build a new club outside the city, nor will he have the start-up capital for his plans. Moreover, with the financial crisis looming, why wait until it's worthless before selling it?