Chapter 337: Fraud Routine
Zhang Qiyuan glanced at Mr. Ma and knew that there was definitely something wrong, but looking at Mr. Luo's expression, he seemed a little tempted.
He could also understand the mentality of the owners who were in a hurry to sell their properties. Mr. Luo did not want to miss out on this customer who made a generous offer, but the customer's behavior made him hesitate.
"Mr. Ma, Mr. Luo, please think about it for a moment. I'm going to the bathroom."
After saying something to the client and the owner, Zhang Qiyuan walked out of the meeting room.
After closing the door of the conference room, Zhang Qiyuan ran directly out of the store and called Jin Ya.
"Mr. Zhang, is there anything I can help you with?" Jin Ya asked.
"It's like this..." Zhang Qiyuan quickly told Jin Ya about this matter.
"There is definitely something wrong with this operation. There is something wrong with this customer. He should want to do AB loan." Jin Ya said.
"What is AB loan?" Zhang Qiyuan asked.
"AB loan means that customer A's own qualifications do not meet the loan conditions and cannot pass the bank's loan approval. Then he has to persuade a guarantor B with better qualifications to guarantee him, and tell customer B that the loan will not have any impact on him. He only needs guarantor B to sign or the bank to make an account. However, in the actual loan processing, the identity information of guarantor B is used to apply for the loan. The actual borrower is customer B, but the loan funds are used by customer A." Jin Ya explained.
Hearing this, Zhang Qiyuan suddenly understood.
Although Mr. Ma did not ask Mr. Luo to act as a guarantor, once Mr. Luo agrees to this operation and follows Mr. Ma to the bank, he will definitely be tempted after hearing the people there say that the loan will not affect him. In addition, since he is in a hurry to sell the house, he might really agree to it.
This is a scam!
This method is quite awesome. It takes advantage of the fact that some owners are in a hurry to sell their houses. Not to mention, the chance of success is quite high.
Mr. Ma knew to give the owner a deposit of 300,000 yuan, but he took the 700,000 yuan himself and probably ran away long ago.
Zhang Qiyuan subconsciously wanted to call the police, but it seemed that he had no evidence.
It seems that I have to give up this order, Zhang Qiyuan said in his heart.
He had no doubt that if the owner agreed, Mr. Ma would definitely give them as an agency fee, and it had nothing to do with their agency. After all, it was the client who agreed to it. But agents still had to have a conscience. If they made this kind of money, they would feel guilty, and it would be very troublesome later. The owner would definitely cause trouble for their agency, and if their reputation was damaged, it would be a loss.
Thinking of this, Zhang Qiyuan returned to the meeting room.
"I don't have much time left. What do you think?" Mr. Ma asked Mr. Luo immediately after seeing Zhang Qiyuan coming back.
"Are you sure I only need to go to the bank once? And the money will be transferred to my card?" Mr. Luo said with some relief.
"Yes, when the time comes you just need to sign as a guarantor, it will not have any impact on you." Mr. Ma said.
"This..." When Mr. Luo heard that he had to sign as a guarantor, he hesitated again.
"If you don't agree, then forget it. I'll go buy another house." Mr. Ma pretended to leave.
"Don't..." Mr. Luo hurriedly stopped him, gritted his teeth, and was about to agree.
"Ahem...Mr. Luo, I think this is still a bit risky. I personally suggest that you consider it carefully."
Just then, Zhang Qiyuan cleared his throat and stopped him.
Hearing what Zhang Qiyuan said, the owner, Mr. Luo, calmed down immediately. He looked at Zhang Qiyuan, then at Mr. Ma, and after thinking carefully for a moment, he said to Mr. Ma: "If this is the case, you should buy another house."
When Mr. Ma saw that the owner was ready to agree, he was secretly delighted, but after hearing what Zhang Qiyuan said, the owner calmed down again.
Mr. Ma was about to get angry when he saw Zhang Qiyuan looking at him meaningfully. He suddenly felt guilty and didn't dare to argue with Zhang Qiyuan. He snorted and left. "Uncle..."
Hu Jin on the side looked at Zhang Qiyuan in disbelief.
The owner was about to agree just now, why did Zhang Qiyuan stop him?
"Hu Jin, there are some money we cannot make."
Seeing that the owner was still there, Zhang Qiyuan immediately explained the trick to him.
"Is there such a thing?"
After listening to Zhang Qiyuan's words, Mr. Luo felt a little scared. He had just been tempted to go to the bank with Mr. Ma. If what Zhang Qiyuan said was true, he had fallen into a trap. Even if he called the police, it would be difficult to recover the money.
"These scammers take advantage of the owners' eagerness to sell their homes and come up with such scams." Zhang Qiyuan nodded.
"Thank you so much. If it weren't for you, I would have been cheated." Mr. Luo thanked Zhang Qiyuan first, and then cursed the scammers: "This group of scammers are really unscrupulous. We chose to buy a house because we were in trouble, but this group of scammers targeted us."
"Since this scammer failed this time, he will probably find other people to scam. I hope that by then our colleagues can stick to their original intentions like Qijia Real Estate," said Zhang Qiyuan.
"Thank you so much this time." Mr. Luo thanked again.
He knew that Zhang Qiyuan could have pretended to be ignorant and that it would have been none of his business after collecting the agency fee, but Zhang Qiyuan still stopped him, obviously out of consideration for the owners.
"Mr. Luo, the houses in Phase 3 of China Construction Mansion will be difficult to sell unless you sell them at a very low price. If you are not in a hurry to sell them, you can consider renting them out to us in an unfinished state." Zhang Qiyuan suggested.
"If I rent it, how much can I rent it for?" asked Mr. Luo.
"2300!"
Hearing this, Mr. Luo smiled bitterly and said, "I was recently laid off by the company, and I may not be able to pay the mortgage. If I only rent it for 2300, I won't be able to pay the mortgage at all. Xiao Zhang, if I want to sell this house in a short time, how much do you think is appropriate?"
Hearing this, Zhang Qiyuan groaned for a moment and said, "The current price of the first and second phases of Zhongjian Mansion is about 21000. 115 square meters is 240 million. If you want to sell it as soon as possible, 225 million should be enough."
Hearing the price, Mr. Luo's face changed and he said, "Is it so low? I spent 280 million when I bought it, and now it's 225 million. I lost 55 directly."
"There's nothing we can do about it. This is the current transaction price, so I suggest you rent the house to us in an unfinished state." Zhang Qiyuan spread his hands.
Mr. Luo was very confused. After a long while, he gritted his teeth and said, "Xiao Zhang, if it's 225 million, how long will it take to sell it?"
"Okay, give me two months and I'll help you sell it." Zhang Qiyuan thought for a while and said.
"Really? What if I can't sell it?"
"How about this, Mr. Zhao? Let's sign an exclusive agreement. I'll transfer two thousand yuan to you. If we can't sell it for 225 million, this two thousand yuan will be used as compensation for your loss." Zhang Qiyuan said.
"Okay!" Mr. Luo thought about it and nodded.
"Then wait a moment, I'll go draw up an exclusive agreement."
Zhang Qiyuan sighed. Not only is the real estate market not doing well, but all major industries are not doing well either. All companies are laying off employees. After being laid off like Mr. Luo, it is difficult to get a mortgage loan, and he can only sell his house at a loss. No wonder scammers would target these owners.
This is such a sure-fire scam!
(End of this chapter)
