Shenhao starts from a fake rich man

Freddie Mac Sales Department.

Clifford was talking to the staff who were hosting him about the loan business.

At the same time, Feng Zhe’s miniature camera, at the best shooting angle, is shooting the scene at this moment.

And Clifford’s high-tech recording equipment also began to record.

The Freddie Mac staff asked, “Sir, do you want to take out a home mortgage?” ”

Hearing the staff’s question, Clifford replied, “Yes!!” I want to mortgage my property in exchange for a loan!! ”

Staff: “How much loan do you need?” ”

Clifford felt as if he had forgotten the “lines” Feng Yimin gave him, he scratched his head and said, “How much is the loan???”

Fortunately, Clifford immediately remembered before he was exposed: “My property in the heart of New York City is worth at least $400,000!” ”

“So… How about I want a loan of $350,000??? ”

The white staff member named Dennis Patrick on the badge smiled contemptuously.

New York City Center???

Queens can also be called New York City Center??

Indeed, according to the location of the ground, Queens is indeed not on the edge of New York.

Although not as Manhattan as it is, it is truly the center of the New York 17th Testament.

But Queens is actually not far from Manhattan!!

But. As a black and crime-ridden Queens, there are no normal people in this neighborhood who want to buy a home here!!

This is the worst place in New York, where unemployed blacks gather, and where shootings happen every day!!

Don’t talk about white people.

Even if you have a serious job, a high degree of education, or those hard-working black people, you will not choose to live in Queens!!

As for the price of the property??

If you change to Manhattan, an ordinary house is worth more than 1 million US dollars.

But a place like Queens???

Although I haven’t surveyed it specifically, there is no house in Queens that is worth $400,000!!

Even if it’s 200,000 US dollars, or even 150,000 US dollars. It’s also a sky-high price.

Besides, even if this Clifford’s house is really worth $400,000, he wants to borrow $350,000???

87.5% of the value of the loan home??

Isn’t that a little too much to take for granted??

According to a normal loan, even if it is a preferential mortgage, it is already very, very conscientious to be able to borrow 30% to 40% of the market value of the mortgaged property.

But.. Patrick followed the first rule that the company told every employee when it was trained, how could you miss the business that came to your door?

Anyway, every time a loan is successful. End of contract. When the user gets the loan, the company can receive a generous commission.

All Patrick needs to do is give the customer a good rating, and he connects with a bank or investment institution.

And he, a salesman, can also receive bonuses.

So, Patrick patiently said: “Mr. Clifford, in fact, the value of your property, we will have a special agency to evaluate, you say it doesn’t count, I. Calculate. ”

“But we’ll try to give you a higher price.”

“As for the amount of the loan, with us, the customer with the highest credit rating can have a 35% amount of the collateral value.”

“Of course … You came to us because you can’t get a loan directly from the bank. ”

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“The interest rate on our mortgage here is a little bit higher than the bank’s standard loan rate.”

——————————————

If you are an ordinary person and hear that your property cannot be mortgaged to the amount you want, you may still argue a few words.

But Clifford is an actor.

He had no idea what Patrick was talking about.

Clifford only knew that as long as he memorized his lines and performed the play, he would receive a decent pay.

Patrick said, “I’m going to give you a credit rating right now. ”

“Credit rating is very important to you.”

“If you have a high rating, not only can you easily get a loan with a higher amount, but the interest rate will be lower.”

Actor Clifford has already memorized the information prepared for him by Han Haoran’s team.

This is a virtual character of Clifford compiled in combination with Clifford’s own background.

Just like the director team of “Meet the Real Rich and the Poor” originally set up Han Haoran’s character.

But the difference is that the director team has dozens of pages, but Clifford only has one page.

Because obviously, no matter how much more, Clifford will definitely not remember!

Han Haoran was confident that with this false, non-existent information, he could easily fool Freddie Mac’s background check process.

Freddie Midea’s risk control is simply weak!!

Patrick asked, “Mr. Clifford, what is your job?” ”

Clifford, who lives on a government subsidy, replied, “I help my uncle with some car repairs.” ”

Of course, in fact. Clifford had no uncle at all.

Patrick nodded and patted his ass: “This is a very promising job!! ”

“You’re amazing, you know how to fix cars.”

Clifford’s acting skills were also temporarily professionally trained by Han Haoran’s team.

Although it was only trained for a few hours.

But a lot of black people are born to act!

Clifford smiled and said, “Generally so, if your car needs to be repaired, welcome to me.” ”

“I can give you a discount!!”

Patrick smiled and agreed.

In his heart, he was secretly complaining that no matter how stupid he was, it was impossible for him to hand over his car to a black man in Queens for repair!!

What if the parts of his car are secretly replaced?

It’s not racist, but Patrick has heard that greedy black repair shop owners love to do this kind of thing.

Patrick continued: “Mr. Clifford, take the liberty of asking. How much do you earn? ”

Clifford, who has zero income, said without changing his face: “My income is about 60,000 US dollars a year. ”

Patrick was secretly taken aback!

He didn’t expect that a repairman would make so much money!!

You know, his white-collar job, plus commission, is not much higher than Clifford’s!

At this time, Patrick was more convinced. That repair shop must be a black shop!!

“So, Mr. Clifford, why do you need this loan? Still take the property as collateral?? ”

“With your income, it should be easy to live a comfortable life, right?”

“Even, it’s okay to go to a few blonde and blue-eyed beauties once in a while, right??” _

Feilu reminds you: There are three things to read – collect and push