Chapter 264 What Is Delayed Consumption (For Leader Zhao Dihe)

Shi Lei finally understood, but what followed was that Shi Lei felt that the scores did not match.

He asked again: "Two-level, five-star consumption is not even ten points? Because I still have a two-star consumption, and a contribution to upgrade the card type. Even if the last one is not counted, then the two-star consumption After all, you can still add a little bit of points to your consumption.”

Scepter reluctantly explained: "Every five-star consumption of the second-level employees is worth 10 points, and the bonus of two-star consumption is four points. The upgrade of the card type is an additional reward, which is not included in the scoring system. It will not be counted. However, because you have deferred consumption, although this can meet the consumption rules, it is still considered bad consumption, so you will be deducted four points."

Instead of being surprised, Shi Lei was overjoyed, and immediately asked: "The deferred consumption refers to the 100,000 yuan I recharged at the racecourse?"

"yes."

"All deferred consumption, as long as it does not violate the rules, will be deducted points?"

"Yes." The scepter already knew what Shi Lei was thinking, but it was helpless, as its rules required it to answer every question, and it could not lie.

"Great! Great! Then, can loans to buy a house or a car be counted as deferred consumption?" Shi Lei asked eagerly. Can't buy a good car or house, this problem is always hidden in his heart. After all, for a loan, not only the current amount is spent, but also the amount in the next few cycles can be spent easily, and the black card may not recognize such consumption.

The Scepter replied helplessly again: "Yes, but the total loan amount must not exceed twice the amount of each cycle."

"Does this double include itself or not? In other words, I have a one million line, can I borrow two million, or can I only borrow one million?"

"Currently, the maximum amount of loans that second-level employees can borrow is 2 million yuan. Before the loan is repaid, no more loan-like deferred consumption is allowed."

Shi Lei smiled, he already knew the details about this. If this is the case, then this month's quota is most suitable for buying a car. Spend 7.8 million to buy a car of 2.7.8 million. The total loan is 2 million yuan. Excluding this month, For the next three months, Shi Lei doesn't need to worry about spending money.

Shi Lei can easily finish it with a monthly cost of more than 100,000 to 200,000 yuan.

However, there is another problem, Shi Lei always feels that there is a pit here.

"Can the loan interest be paid with the quota?" Shi Lei calmly asked this question.

The scepter suddenly became extremely angry, it was roaring: "Stupid groundhog, why do you have so many questions, you can't ask a few less questions. I told you very clearly, now that you With such an insignificant amount, spending your money well is the last word..."

Shi Lei laughed again, although the scepter hadn't answered yet, he already knew the answer to the question.

Very simple, the interest paid on the loan cannot be repaid with the amount, and must be repaid with one's own funds.

Shi Lei thought of the man in the sports car again, and further thought that the death of the man in the sports car was not only because of the one hundred thousand yuan, nor was it necessarily because there were consumptions that were not recognized by the black card in his consumption quota, there was another possibility, that was his His sports car was bought with a loan, and he assumed a lot of interest. He thought that the interest could also be paid out of the quota. In short, the cause of the sports car man's death was formed by many comprehensive conditions, otherwise, a mere 100,000 yuan should not have killed him.

Regarding this sports car man, Shi Lei felt that he could completely put it aside. Shi Lei didn't want to know exactly how much he was short of consumption. Anyway, he already knew that the sports car man died of a very complicated consumption that did not meet the standard. This is enough.

After the Scepter calmed down, he still answered Shi Lei's question: "The interest generated by the loan consumption must be borne by the second-level employees themselves, and cannot be included in the quota."

Moreover, Shi Lei realized that the money he paid for renting a house should also be regarded as deferred consumption. Among the four points deducted at the first level, there should be points deducted for this transaction. But he also made a mistake at the first level, that is to say, the points deducted for renting a house are not four points, but four points are deducted for the deferred consumption this time...

Shi Lei snapped his fingers and said, "Then continue to the next question."

"Are you finished?!"

Shi Lei shrugged his shoulders and said nonchalantly: "Of course it's endless, I have the right to ask questions, but you must answer, right?"

The scepter was silent, and Shi Lei didn't care about it, and asked directly: "Delayed consumption will be deducted points. Is the point value of this deduction fixed or can it vary depending on the amount?"

"Depending on the amount, the points will be deducted."

Shi Lei nodded, and said: "Then, that is to say, certain points will be deducted for each deferred consumption. At the second level, four deduction points will be deducted for a deferred consumption of 100,000 yuan. If I borrow two million , wouldn't that mean you will be deducted 80 points?"

"There is no equal ratio between the amount of deferred consumption and the value of points. You don't need to know how to deduct points."

Shi Lei nodded, thinking that it is really impossible to have such a big bug, it's not important.

"Continue. Deducting points, is it just deducting extra points, or will the base points be deducted together?"

Scepter no longer wanted to talk to Shi Lei anymore, it found that no matter what it said, Shi Lei could find new problems.

Therefore, it gave an extremely concise answer: "Extra points are deducted first, and the base points are deducted when there are no additional points."

"According to the consumption of each cycle at least six points, that is to say, on the premise of not deducting points, ten cycles will definitely upgrade. But because of the existence of points-deducting consumption, it is very likely that after ten cycles, my Still can't reach sixty points, even with the extra points. So, will I be allowed to stay in the second level, or will I be punished?"

"Punishment! Of course it is a punishment! You must complete the upgrade in ten cycles, which is the longest time limit for you at the second level!" The scepter was furious.

But Shi Lei seized another loophole and said: "The longest period for the second level is ten cycles, what about the third level? Less than ten times or more than ten times."

"Stupid groundhog, you can't know about the third-level things. Do you want to force me to punish you so that you can learn your lesson and stop inquiring about the third-level and above things?"

Shi Lei hurriedly smiled, waved his hands and said: "Let's discuss it, we can't say it and let it go, don't just call it a punishment."

"Humph!"

The scepter is still arrogant, but Shi Lei is talking to himself: "It seems that we can't blindly use deferred consumption to deduct points to delay the speed of upgrading. We still need better control and delay the time of upgrading as much as possible. It is also guaranteed to reach at least 60 points within ten times." Shi Lei has already done a simple calculation, and in ten consumption cycles, theoretically, he can get a maximum of 300 points of basic points, but if there is no point deduction, two He will be upgraded directly after the first full score, and he will not encounter the situation of exceeding the score. And with the existence of point deduction, he needs to ensure that he gets enough basic points in future consumption, otherwise, the basic points will be less than 60 after ten consumption cycles are over. He will be obliterated.

This is actually quite dangerous.

The scepter doesn't want to pay attention to Shi Lei at all, this kid is like a monkey with his hair glued on.

"Have you finished asking? Why don't you start the lottery draw!" From not letting the lottery draw before, to now actively wanting Shi Lei to draw the lottery, Scepter only feels tired and tired.

"Don't worry, there is one last question."

This chapter is an update for the leader Zhao Di.

Let me say one more thing about the group. Setting up different groups is not to make everyone spend money. The author has said in the book and in the group from the beginning of the book to the present, including after the group is established, that he does not want everyone to reward, subscribe and support, and vote if there is a monthly ticket Give it to me, so that the author is already very content. Since the book was opened, I have only asked everyone for a reward of 100 coins for one day because I was in a bad mood. The author Jun really doesn't want everyone to spend too much money.

Therefore, don’t just tip a reward just to enter the rudder owner group, and add a monthly ticket to the full subscription. In fact, it will be enough for the rudder owner in a few months, so take your time and don’t worry.

Those who have entered the rudder group, don't listen to the fool who is the number one in the fan list. For example, the brother who is now Jiageng was fooled into the leader by the Titan.

Still the same sentence, because the leader spent a lot of money, the author fungus will add more thanks individually, but the other subscribers, the author fungus is also very grateful, but there are so many people, it is impossible for the author fungus to thank them one by one.

Finally, I wish you all a happy reading.