1202 Bankruptcy And...

There are always people worried about banks. Banks lend out so much money every year. What if someone can't repay it?

In fact, there is no need at all. The profits of banks every year are very amazing. They rarely have money that they don't want to get back, because they never give money to the poor, but only lend money to the rich who can afford to pay it back.

So the poor can only store their money in banks when their wealth is not enough to realize their ideas, and then the banks lend the poor's money to the rich, allowing the rich to continue to expand their careers and become richer.

But not everyone who can borrow money from the bank can afford to repay it. For example, Judy's family has a financial crisis, and there is evidence that they will continue to decline.

So the bank appears here.

"I have only seen such a scene on TV before." After the people at the bank finished counting and left, the male host held the back of the chair in the restaurant and laughed.

There is also a buckle on it, as well as a label and a number. This thing cannot be taken away or sold until it is dismantled.

The male host turned to look at the hostess, a little apologetically, "Sorry, I couldn't keep your car in the end."

The couple hugged and comforted each other.

Judy has never come to her senses until now. Her originally... wealthy family was destroyed in an instant. She never realized that her family was so fragile.

Her life has been very wealthy since she was a child, and she is getting richer. Maybe this kind of wealth is not like the wealth of the rich, who can spend money lavishly to buy happiness for themselves, but at least the middle-class life is not a problem.

As her parents' jobs get on track, they may be able to become shareholders of their respective companies in a few years, and the size and expenses of the family can be supported by year-end dividends alone.

If they start another business or make some financial investments, the family will become richer and richer until one day they decide to start their own business...

But just in the past few days, her previous understanding has completely changed. She still can't accept that this family is as fragile as her dream of being a news anchor, which was shattered at the drop of a hat!

She sat on the sofa in a daze.

After a while, she couldn't help but say, "Are we going to go bankrupt?"

The male host sighed, "Don't worry, it's not that bad..."

Judy's eyes suddenly bloomed with Chonglan's expectant gaze. She looked at her indifferent father, hoping that he would tell her that this was all a dream.

The male owner didn't know that his daughter had so many thoughts. He looked up at the house and sighed, "We sold the house so that we don't need to continue paying for the property."

"That's probably enough to cover the loan we owe the bank, so we're not bankrupt yet."

Judy fell silent. Their family only had this house. The federal property tax was not cheap, and Bupen's house was even more expensive.

"If we sell the house, where will we live?" she asked again.

The male host looked at his wife, "I know there is a motel in the outer ring of the city. It only costs five yuan a night, and it provides hot water and a TV for an extra two yuan."

"We can live there first and then find a job. At least we won't starve to death..."

As he spoke, the male owner let go of his wife and said, "I have to find someone to buy this house. If it is handed over to the bank for auction, its price will be very low."

The bank is not completely unreasonable and unreasonable. As long as the money can be repaid within the specified period, that is, within fifteen days, they will not do anything.

The family is still a respected customer of the bank, and of course their credit rating will be downgraded.

But if the money is not paid within the time limit, the bank will apply for execution from the court and then auction the house according to law.

There are too many things that outsiders don’t know about bank auctions. In newspapers and news, it is always said that banks are constantly auctioning some assets, but how many ordinary people have actually heard of it, seen it, and know the exact time and date? Place?

No, no one knows, everything is digested in-house, at a very low price!

The male owner knows this. He must sell the house before the bank, otherwise he will really go bankrupt.

Buying a house is actually not easy, especially in the early stages of social and economic recovery and rapid development.

A lot of money is being invested in real industries, factories, foreign and domestic trade, coupled with expensive property taxes, no one will buy too many useless houses, except the rich.

This has also caused luxury homes in middle-class communities, which are not very easy to sell, to become even more difficult to sell.

People who look down on these houses will not even consider them, just like those who cannot afford these houses, they are indifferent to the price.

As for the people who can afford and appreciate these houses and the communities where they are located, they are all middle-class families similar to Judy's family.

But they couldn't come up with the money, at least not in a short time.

Some people say that the biggest difference between the middle class and the lower class and the proletariat is that the middle class has a good understanding of wealth. They know how to use some of their money for financial investments, stocks, or direct participation in companies.

This can make the money grow more and more, but those at the bottom of society don't understand this. They only know how to use the money or put it in the bank.

It is precisely the willingness of the middle class to invest that makes it difficult for people who want to buy this house to come up with more than 200,000 yuan in a short period of time.

Some people talked with the male owner and came to see the house. They liked it very much. The only request was to extend the time or lower the price.

Since the money to buy a house is directly deposited into a designated bank account, installments are not accepted, so the buyer must pay in one lump sum, which is also very embarrassing.

The male owner rides a bicycle that he has not ridden for thirty years between different real estate businessmen every day. Every time he is greeted with disappointing news.

Some people think his house is good, but they are only willing to pay a little over 100,000, which is far lower than their psychological expectations.

He also went to the famous second-hand real estate auction in Bupen. He listed his house for 199,999 yuan, which was a difference of 1 yuan to 200,000 yuan.

He felt that although the price was a bit low, it was within the acceptable range, but there was no doubt that the two consecutive failed auctions also wasted his 200 yuan handling fee.

He didn't sell his house until someone from the bank showed up!

During this period, Judy's dissatisfaction and even hatred for Lynch became more and more profound. She believed that it was Lynch who had caused her to suffer so much unfair treatment.

She wanted to publish all of this to let the public know what Lynch's true face was like, but no media was willing to publish this content.

No one will offend Lynch for her, no one!

In the end, the entire house was successfully auctioned for 98,125 yuan, plus their remaining savings and money from selling second-hand cars, and borrowing some money from relatives and friends, they Pay off bank debt.

After twenty years of hard work, I suddenly returned to the situation I had just graduated from.

After signing his name on the last document, the man seemed to have lost his soul.

In the afternoon, Lynch came back from the office. The Light of Tomorrow Industrial Incubator Park was about to be completed. He took a look and found that some companies had already moved in.

This is great news. After the official completion ceremony is held, we can begin to vigorously promote this industrial park.

He also met with the mayor. The mayor also understood the value of this industrial incubator. He and Lynch talked about his willingness to push the city hall and the six major banks to jointly provide some policy support, such as policy and financial care.

Start-up companies definitely have a big gap in funding, and they can join forces to help these entrepreneurial companies mature quickly.

For the mayor, all he has to pay is some policy inclinations and subsidies, which can bring many jobs to the city, increase his personal reputation, and accumulate political capital for himself.

The banks won't suffer any losses either. As long as one of a hundred entrepreneurial ventures succeeds, they can get their money back. Why not give it a try?

And there is Lynch standing at the forefront. If this thing is really not profitable, Lynch will do it?

As soon as I got home and hadn't taken a break, the phone from the community service company rang.

Then the little maid told Lynch that a gentleman and a lady who claimed to be Ms. Judy's parents wanted to see him.

I have to say that Judy’s parents made a smart choice.

If they go to the company to find Lynch, there is a high probability that the company's front desk will tell them that they do not have an appointment and they will not even let Mr. Lynch know about their visit, and then the security guard will ask them out very politely.

It may be a bit reckless to visit the residence directly, but at least it is an opportunity.

The community service company will not know who these two people are, they will only need to tell the doorman what they want, and the doorman will definitely respond.

very smart.

After hearing this, Lin Qi raised his eyebrows, thought for a while, and then agreed to meet these two people.

A few minutes later, Judy's parents appeared in the living room of the house.

They stood, Lynch sat.

"It's very presumptuous to disturb your rest, Mr. Lynch. I'm extremely sorry for this!"

The man looked more than ten years older than a month ago, and his originally shiny hair had completely lost its luster, as if every strand was where it shouldn't be, making him look full of twilight.

The radiance was gone from his face, leaving only a dull and helpless expression on the surface.

He was slightly hunched over, and life was like a mountain, crushing him.

Lynch pointed to the sofa opposite, "You can sit down and say, you know, I don't like talking to people with my head raised."

The couple immediately and cautiously sat on the sofa opposite Lynch...