The Charismatic Alex

The first small loan was successfully obtained!

After gobbling down the meal and taking a shower, Alex was overwhelmed by exhaustion. He was tired, hot, and hungry, sticking out his tongue.

It's really not easy running around everywhere in the middle of summer.

If only he had a car. He could turn on the air conditioner, enjoy the gentle breeze, and get things done comfortably without having to suffer like this.

Well, when he has saved enough money, he must go and buy a car!

It seems that the Audi A4L is quite good. It has a stylish look and a decent price. Driving it on the college campus would surely be really cool!

Actually, Alex hasn't seen many luxury cars at all. He was born in a village in the city. Before the possible demolition (if there was any), he was just a rural kid.

Even if he was lucky enough to experience the demolition, at most he would just be a newly rich guy.

Among those cars that drive to the school gate to pick up their kids, Alex liked the A4L the most. He simply judged it as a good car based on its appearance.

After daydreaming about driving the A4L in style for a while, Alex gradually fell asleep.

Yesterday, although he went to bed early, he tossed and turned and couldn't fall asleep. And today, he got up early and had been busy all morning. He was really tired.

In his dream, a palace was formed by intertwined rays of light in the sky. In the palace, there were numerous beautiful women, constantly presenting delicious food and fine wine to the throne. The grand hall was crowded with wealthy businessmen from various countries, waving all kinds of novel gadgets, trying to amuse the person on the throne.

The person on the throne had a laid-back posture and an imposing aura like mountains and seas, but his face couldn't be clearly seen.

Who was that?

...

Waking up from the chaotic dream, Alex received a call from the guy who made the fake certificates.

"Got it done? Okay, I'll be right there!"

...

Just two simple things, and it cost Alex 300 yuan.

He stamped the rubber stamp on an abandoned document of the Education Bureau. The two stamps were almost identical. The craftsmanship was quite good.

Great, it was worth it!

As for that payment receipt, Alex made 30 copies in one go. It's hard to say whether he could use them all up, but anyway, he just tried his best.

After going out, he went straight home. At the copy shop in the village entrance, he printed 30 copies of the blank income proof with a fixed format, filled them out by hand one by one, and then stamped them.

After packing up everything, Alex carefully checked. Basically, everything was ready.

Only one thing was left: the personal credit report.

Alex logged into the Credit Reference Center of the People's Bank of China with his new mobile phone number, registered as Liu Dapeng, inquired about the personal credit information, and saved the file.

With all the stuff in hand, he marched bravely towards the Financial Street.

Since he hadn't rented a house yet, he definitely couldn't go to Huahai Company. Alex casually walked into the first storefront on the right side of the road.

This company named Changfu hadn't even finished decorating its first floor. The several partitioned empty rooms and the waiting area were completely empty. There was only a lonely information desk standing in front of the stairs.

When Alex said "I want to get a loan", the receptionist quickly called down a marketing staff.

The sound of high heels tapping on the ground as she ran down the stairs in a hurry. It was a young girl who looked even more inexperienced than Alex who deliberately hadn't shaved his beard.

Alex's skin wasn't that good. It was a bit dark and rough. Coupled with his scruffy stubble, he looked like he was in his early twenties. So the girl immediately greeted him with "Big Brother" when she saw him.

Alex held back his laughter and followed her upstairs.

In the staircase, the girl first asked if it was necessary to go to his home for inspection.

The girl replied, "As long as you don't apply for a mortgage loan on real estate or provide a house purchase contract, there's no need to verify your housing situation on-site."

That was good. Then he started filling out the form.

While filling in the blanks, the girl kept urging, "Big Brother, you can directly apply for a credit loan of 80,000 yuan. With your situation of working in a public institution and having a monthly salary of 7,000 yuan, even if they give you a discount, they'll surely approve 60,000 yuan for you."

Alex insisted on only applying for 40,000 yuan.

It wasn't that he didn't want to get more money. He had a comprehensive plan in mind.

According to what Brother Xi had said, there was an important classification in small loan companies - above 50,000 yuan and below 50,000 yuan.

Once the applied amount exceeded 50,000 yuan, not only would the review be more meticulous, but also the probability of being rejected was as high as 50%. The higher the application amount, the more difficult it was to get approved.

If applying for 40,000 yuan, with a good credit record, the probability of getting directly approved was 90%.

If you go to 20 small loan companies to apply for loans 20 times, applying for 50,000 yuan each time with a 50% approval probability, you'll finally get 500,000 yuan in hand.

If you apply for 40,000 yuan each time with a 90% approval probability, you'll finally get 720,000 yuan in hand.

How big is the difference?

...

Then he continued to fill out the form. The loan term was 24 months, and the purpose was for decoration...

All were minor details and were smoothly settled.

Then Alex took the girl and the marketing manager to the Education Bureau to verify his workplace.

July was the time when the education sector was on vacation. Alex's aunt was only in the unit because she was contacting various schools about new school uniforms. There wasn't a single soul to be seen in other offices.

After seeing Alex open the office door with the key, the manager said with a smile, "Sir, please don't worry. We'll upload the application tonight. If everything goes smoothly, there'll be a phone callback tomorrow morning, and you can sign the contract and get the money in the afternoon."

The two groups of people waved goodbye. Alex then mustered his courage and went to another seven companies.

Four of them didn't even bother to go to the workplace for verification. Among the remaining three, one required housing inspection, so it couldn't be done for the time being.

At that time, it was the golden age when the offline stores of small loan companies were booming. Little Alex was just like a drop of water in the ocean, so insignificant and unnoticed.

When he went to sleep tiredly at night, Alex even wondered in his mind: If things continued like this, how many companies could he actually apply to successfully?

50 companies?

100 companies?

Every day, new companies opened, and old companies closed. What a wild and vibrant industry it was...

He had a good sleep that night.

The next day, Alex got up, changed his clothes, put on a baseball cap, and carried the fake LV briefcase he bought at the night market last night and went out.

He continued to apply for small loans.

When filling out the form, Alex saw an undisguised sneer in the eyes of a certain salesperson. Probably because the briefcase was too fake?

Instead of getting angry, Alex thought with a bit of mischievousness: After I get the money from your company, I'll buy a genuine one. Thank you in advance!

In the morning, verification calls started coming in one after another. The numbers all started with 010, 021, etc.

The risk control staff of Changfu Company asked a special question: "Sir, why isn't anyone answering the office phone?"

Alex calmly replied, "It's summer vacation in the bureau. Of course, colleagues aren't here. If you need it, I can go back in the afternoon and reply to you using the office phone."

The customer service didn't say anything more and politely said goodbye.

In the afternoon, while Alex was leading a certain manager to verify the office premises, the salesperson of Changfu Company suddenly called with an excited tone.

"Sir, your loan has been approved. You can come to sign the contract!"

Alex calmly sent the manager away and then took a taxi alone and hurried to the Financial Street.

The signing process was very simple. Ten minutes later, Alex came to the ATM of China Construction Bank and silently entered the password.

Balance: 4,000,000 yuan!

The first small loan was successfully obtained!