Chapter 654 Shi Lei Has the Final Say
The sound of the scepter became a little sinister.
"you sure?"
Shi Lei said with a smile: "Of course I am sure, otherwise, if I walk out of here, in less than twenty-four hours, I will lose my chance to avoid punishment."
Scepter didn't say anything, and Shi Lei continued with a smile: "Do you think I will forget this matter, or ignore it? Then I can legitimately take back the opportunity to avoid punishment. But, how can I Maybe I forgot? From the beginning, what I wanted to do was to use the appraisal card to match the quota, rather than using the appraisal card to match my independent funds. I will never forget this, this is related to my wealth and life. The rewards given to me by the black card cannot be used to make profits on my own funds. Unless they are investment rewards."
"But you didn't have that much credit at that time, right?" Heika was still resisting.
Shi Lei said with a smile: "As long as it is my money, you have no way to limit it to a quota or independent funds. To put it bluntly, the money left after I spend every quota period is my independent funds."
"But you only had a quota of 436,500 yuan at that time. After you confirmed that 400,000 yuan of the quota was used as value-for-money consumption, you only had 36,500 yuan left."
Shi Lei clapped his hands relaxedly and said, "Can we stop playing this obvious word game? In the last quota cycle, my quota was one million yuan, not 436,500 yuan. So, , even if the 400,000 yuan is considered a value-for-money consumption and must be included in the quota, my remaining quota is still 600,000 yuan. This has nothing to do with how much you judged I consumed at the time, because among the consumption recognized by you and the black card, It can also be paid with my own funds. This is the only thing you can't control. You can't order me not to use my own funds for reasonable consumption, right? So, as long as the quota of each quota cycle is completed, and the amount exceeds It is up to me to decide which parts are counted as quota consumption and which are counted as independent fund consumption. Your logic is typical machine logic. The large set is consumption, while the small set is quota consumption and independent fund consumption. , but before the settlement date, I should decide which collection all consumption will be classified into. So... hehe..."
Scepter knew that he could no longer mislead Shi Lei, so he had to announce: "Third-level commissioner, this quota cycle will use 75,000 yuan for collection consumption. In line with the guideline that the maximum quota does not exceed 10% of collection consumption, it is allowed to pass."
Shi Lei smiled proudly and said: "In the last quota cycle, I happened to spend an additional 75,000 yuan. Well, it was actually more than that. However, I spent 1,075,000 yuan. It has been achieved. Therefore, I will be promoted to level three without any punishment. Thank you, Scepter, for this, I have an additional two million independent funds. Although you cheated me out of more than two hundred thousand, but I am an easily satisfied person."
Scepter said in a disgusting tone: "Let's go, let's go..."
Shi Lei laughed loudly and pressed the card withdrawal button. The scepter disappeared from the screen of the cash machine, and Shi Lei took back the black card.
While returning to the apartment, Shi Lei used his consciousness to call up the investment gold finger card. Then, a picture that was exactly the same as the APP on the phone screen appeared in his mind. If there was any difference, it was probably There may be a difference in size. The interface in the brain is obviously larger and clearer, commonly known as having a higher resolution.
Of course, Shi Lei didn't want to use the investment cheat card now. He just wanted to confirm the effect of virtualizing the black card.
Tests show that it works better.
Of course, Shi Lei couldn't realize the benefits of breaking off the scepter yet.
However, it is actually quite worthwhile to exchange something like a little red flower for a black card virtualization.
While standing in the elevator, Shi Lei looked at his phone. It was clean. Apart from the normal apps in this world, there were no apps given to him by the black card.
Shi Lei checked his account again, and found 10 million funds lying quietly in it. His independent funds were still in the stock market.
After careful calculation, it is June 3rd now. Shi Lei got the black card in mid-October last year. Since the novice trial stage and the first level are all based on one week as the credit cycle, when Shi Lei is promoted to the second level, The settlement date has been brought forward to the third day of every month.
All in all, it only took less than eight months for Shi Lei to obtain the black card, and his limit had already risen to 10 million. This was because he worked very hard to control it after Level 2, and some kind of accident caused him to have his base score deducted by thirty points. Otherwise, Shi Lei would have been promoted to level three three months ago. But now, I'm afraid it's infinitely close to level four.
Shi Lei had already put this money to use. There was no doubt that it was used as a loan to purchase a house in the villa community developed by Wei Qing's family.
The total price of the house was more than 27 million. After erasing the fraction, Wei Qing could give him a 95% discount, which meant that Shi Lei only needed 225.65 million for this house. Wei Qing said at that time that if the fractions continued to be erased, the actual amount Shi Lei needed to pay was only 25 million.
There are still a small part of the facilities that have not been completed, and the sales certificate will be obtained soon, and the market will be opened by then.
It's said to be open for sale, but Shi Lei estimates that there are only nine single-family villas in that community, and most likely all of them have been booked before the sale opens, and it will just be a formality by then. Wei Qing had told Shi Lei that their family had already negotiated with a bank in Wudong and the loan process had been carried out in advance. When the market opened, Shi Lei and other home buyers only needed to submit their ID cards and household registration records and credit records. Now you can enter the final step of the loan process.
However, Shi Lei discussed with Wei Qing that the Wei family should not be too anxious about the return of funds, and Shi Lei did not want to borrow money from the bank. The main reason is that bank loans can only be repaid in advance once a year. Even if Shi Lei only borrows for one year, The monthly repayment is only over one million yuan, which leaves Shi Lei with too much money to spend, now that his credit limit has risen to ten million yuan.
The result of the discussion was that Shi Lei made a down payment of 5 million to the Wei family, and he pledged the remaining 20 million with Qixuan's shares. From then on, he would repay at least 5 million every month, and pay it off in four months at most. Of course, Shi Lei can pay it back in advance at any time without any interest.
This was no pressure for Wei Qing. He called his father, who simply agreed.
Qixuan's current momentum is good, and Wei Qing's father also knows that Shi Lei has a good relationship with the Bai family, the Yu family, and the Song family. Let alone four months, even if he pays back a mere 20 million in four years, let alone Not too concerned.
Then Shi Lei listed the apartment he was currently living in to an agency. This apartment was an independent financial reward given to him by the black card. After owning the villa, he no longer needed to hold the apartment.
Turning it into independent funds on hand is obviously more in line with Shi Lei's interests.
This apartment was worth nearly 3 million. In addition to the 2.4 million that Shi Lei cashed out from the stock market two days later, he had about 5.4 million in independent funds on hand.
First update with guarantee