Chapter 337 Fraud Routine
Zhang Qiyuan glanced at Mr. Ma and knew there must be something wrong with this, but looking at Mr. Luo, he seemed a little moved.
He can also understand the mentality of the current owners who are eager to sell. Mr. Luo does not want to miss this customer who bids generously, but the customer's behavior makes him hesitate.
"Mr. Ma, Mr. Luo, you think about it first, I'm going to the bathroom."
After Zhang Qiyuan said something to the customer and owner, he walked out of the conference room.
After closing the door of the conference room, Zhang Qiyuan ran directly outside the store and made a call to Jin Ya.
"Mr. Zhang, what's the matter?" Jin Ya asked.
"That's it..." Zhang Qiyuan quickly told Jin Ya about this matter.
“There must be something wrong with this operation. This customer has a problem. He probably wants to make an AB loan.” Jin Ya said.
“What is an AB loan?” Zhang Qiyuan asked.
"AB loan means that customer A's own qualifications do not meet the loan conditions and cannot be approved by the bank for a loan. Then he has to persuade a guarantor B with better qualifications to guarantee him and inform customer B that the loan will not have any impact on him. It only requires a signature from guarantor B or an account from the bank, but in actual loan processing, the identity information of guarantor B is used to apply for a loan. The actual borrower is customer B, but the loan funds are used by customer A. " Jin Ya explained.
Hearing this, Zhang Qiyuan suddenly realized.
Although Mr. Ma did not ask Mr. Luo to act as a guarantee, once Mr. Luo agreed to this operation, he followed Mr. Ma to the bank and heard the people over there saying that the loan would not affect him. Afterwards, there will definitely be some excitement, and coupled with the reason for being eager to sell the house, maybe he will actually agree.
This is a scam!
This method is a bit cool. It is to take advantage of the current mentality of some property owners who are eager to sell their houses. Not to mention, the probability of success is quite high.
This Mr. Ma knew how to give the owner a deposit of 300,000 yuan. He got the 700,000 yuan himself and probably ran away long ago.
Zhang Qiyuan subconsciously wanted to call the police, but there seemed to be no evidence.
It seems that we can only give up this order, Zhang Qiyuan said in his heart.
He has no doubt that if the owner agrees, Mr. Ma will definitely give them an agency fee of 1.5, and it has nothing to do with their agency. After all, it is the client who agreed, but as an agency You still have to have a little conscience. If you make this kind of money, you will have an uneasy conscience, and the follow-up will be very troublesome. The owners will definitely trouble their agents. If the reputation is ruined, the gains will outweigh the losses.
Thinking of this, Zhang Qiyuan returned to the conference room.
"I don't have much time. What are you thinking about?" Mr. Ma asked Mr. Xiang Luo immediately after seeing Zhang Qiyuan come back.
"Are you sure I only need to go to the bank? Will the money be transferred to my card?" Mr. Luo said a little relaxed.
"Yes, you only need to sign as a guarantor when the time comes. It will not have any impact on you." Mr. Ma said.
“This…” Mr. Luo hesitated again when he heard that he wanted to sign as a guarantor.
"If you don't want to, forget it, I'll buy another house." Mr. Ma made a gesture to go out.
"Don't..." Mr. Luo stopped him quickly, gritted his teeth, and was about to agree.
"Ahem...Mr. Luo, I think this is still a bit risky. I personally suggest that you think about it carefully."
At this moment, Zhang Qiyuan coughed and stopped him.
Hearing what Zhang Qiyuan said, the owner Mr. Luo immediately calmed down, looked at Zhang Qiyuan, and then at Mr. Ma. After thinking carefully for a moment, he said to Mr. Ma: "If this is the case, you still Buy another house.”
When Mr. Ma saw that the owner was about to agree, he was very happy, but after hearing Zhang Qiyuan’s words, the owner calmed down again.
Mr. Ma was about to get angry when he saw Zhang Qiyuan looking at him with a somewhat meaningful look. He suddenly felt guilty and did not dare to argue with Zhang Qiyuan. He snorted and left directly. "Uncle..."
Hu Jin looked at Zhang Qiyuan in disbelief.
The owner clearly wanted to agree just now, why did Zhang Qiyuan stop it.
"Hu Jin, there is some money we can't make."
Seeing that the owner was still there, Zhang Qiyuan immediately told the story.
“Is there such a thing?”
After listening to Zhang Qiyuan’s words, Mr. Luo said with some fear. He had just been tempted and wanted to go to the bank with Mr. Ma. If it was really Zhang Qiyuan By saying this, he fell into a trap. Even if he called the police, it would be difficult to get his money back.
“These scammers take advantage of the owners’ eagerness to sell their houses and come up with such deceptions.” Zhang Qiyuan nodded.
"Thank you so much. If it weren't for you, I would have been deceived." Mr. Luo thanked Zhang Qiyuan first, and then cursed at the scammers: "These scammers are really heartless. We We chose to buy a house because of real difficulties, but these scammers also targeted us.”
"This liar failed this time, and he will probably find someone else to swindle him. I hope that our colleagues will be able to stick to their true intentions like we do at Qijia Real Estate." Zhang Qiyuan said.
“Thank you very much this time.” Mr. Luo thanked him again.
He knew that Zhang Qiyuan could pretend to be confused and it was none of his business after collecting the agency fee, but Zhang Qiyuan still stopped him, obviously for the sake of their owners.
"Mr. Luo, it will be difficult to sell the houses in the third phase of China Construction Mansion now unless you sell them at a very low price. If you are not in a hurry to sell, you can consider renting them out. Give it to us." Zhang Qiyuan suggested.
“If I rent, how much can I rent?” Mr. Luo asked.
“2300!”
Hearing this, Mr. Luo smiled bitterly and said: “I was recently laid off by the company, and I may not be able to repay my mortgage. If I only rent for 2,300, it won’t be enough. I can’t pay off the mortgage, Xiao Zhang, if I want to sell this house in a short time, what do you think is appropriate?”
Hearing this, Zhang Qiyuan pondered slightly: “Now the first phase of China Construction Mansion is available. , the price of the second phase is about 21,000, 115 square meters is 2.4 million. If you want to sell it as soon as possible, 2.25 million should be OK.”
Hearing this price, Mr. Luo. His face changed and he said: "Is it so low? I spent 2.8 million when I bought it, and now it's 2.25 million. I've lost 550,000 directly."
"There's nothing we can do about it. The current transaction price is like this. So I suggest you rent the rough house to us," Zhang Qiyuan said, spreading his hands.
Mr. Luo's face was full of confusion. After a long time, he gritted his teeth and said: "Xiao Zhang, if it is 2.25 million, how long will it take to sell it?"
"In this case, you give me two months and I will help you. Sell it." Zhang Qiyuan thought for a while.
"Really? What if we can't sell it?"
"How about this, Mr. Zhao, let's sign an exclusive agreement and I will transfer you two thousand yuan. If 2.25 million If we can't sell it, the two thousand yuan will be considered a loss to you," Zhang Qiyuan said.
"Okay!" Mr. Luo thought for a while and nodded.
"Then wait a moment, I will draw up an exclusive agreement."
Zhang Qiyuan sighed, not only is the real estate market not doing well now, but also all major industries, and every company is not doing well. After layoffs, like Mr. Luo's, it becomes difficult to get mortgages and the only option is to sell the houses. It's no wonder that scammers are targeting these property owners.
This is simply a lie!
(End of this chapter)