I was deceived by a car loan salesperson when I bought a car.

Be cautious and discerning when looking for a job. Although many people know this old saying before looking for a job, many people still fall for it when they really need an appraisal. No, Ms. Cai from Nantong encountered a routine when applying for a job.

In April this year, Mr. Cai from Nantong joined Nanjing No. 1 Logistics Company (Nanjing Maokun Supply Chain Management Co., Ltd.) as a driver. When the company signed the contract, it promised to earn 600,000 yuan in three years. Otherwise, the contract signed between Mr. Cai and Nanjing Maokun Company shows that Mr. Cai is on duty 26 days a month and is mainly responsible for Maokun Company's freight from Nanjing to Rugao, with each trip costing 1,200 yuan. If a single trip exceeds 240 kilometers, Maokun Company will compensate you at a rate of 5 yuan/km. Shipping costs are settled every seven days. If Mr. Cai's total income does not reach 600,000 within three years after joining the company, Maokun Company will make up for it.

Teacher Cai explained: "When I first approached him, he said he was making arrangements. He asked me to find a timetable, and now he just ignores me."

"You have already I have been employed for nearly a month. How many orders have you made?”

“Not a single one”

The staff said: “You mean to arrange it for you later. List, tell you who to contact, will you go?" In response to the staff member's question, Teacher Cai said excitedly, "I am willing to handle all orders, no matter where you are, even if you ask me to go to Beijing to take orders. Everyone goes."

The dispatch order seems to have been resolved, but according to the contract, the logistics company staff said it will take three months to settle the matter. That means the plan is actually pretty clear. If you (Ms. Cai) want to run a dedicated line, it will be settled in three months. There is no way to reconcile this account period. In desperation, Teacher Cai agreed to the company's request.

However, what Mr. Cai didn’t expect was that after returning home, he did not wait for the company’s so-called delivery, but instead received a notification letter from the logistics company unilaterally terminating the contract. When he went to ask for an explanation, the door of Maokun Company was locked and there was no one in the building. Later, Teacher Cai contacted several staff members of Maokun Company by phone, and they all said they had resigned.

Seeing the company empty out, Teacher Cai finally called the police!

This reminds all card friends that we can all understand the psychology of "eager to find a job", but it is precisely this psychology that is often most easily exploited by recruiting units, which will falsely exaggerate the job content and make job seekers deeply confused. Trapped in it. Therefore, job seekers need to have sufficient understanding of the documents signed during the job search stage to avoid being deceived.

Producer/Zhang Xiaoxue

Media Director/Jia Zhiwei Related Q&A: Nanjing Second Mortgage Loan Many home buyers have a question in their minds, that is, they can apply again for a house that has already received a loan Loan? The answer is actually yes. If the home buyer re-mortgages the house that has already been mortgaged, it is called a second mortgage loan. At this time, both for the home buyer and the house itself, the loan requirements will be higher than those for the first time. Loans are more stringent. Now let us take a look at the specific situation of second real estate loans. 1. Loan conditions 1. The borrower has no interest arrears, has stable income, and has good credit; 2. The borrower has the ability to repay the principal and interest of the loan on time, and has repaid the principal and interest on time for more than two years. 3. The house used for the second mortgage loan of a personal house must be an existing house; 4. The house mortgage registration has been completed, and the bank is the mortgagee of the house; 5. The house has been insured, and the original insurance policy is in the custody of the bank ; 6. The houses used for second mortgage loans should be high-quality housing and commercial houses with great market development potential; 7. The houses are in a superior location, with convenient transportation, complete supporting facilities, and have great appreciation potential; 2. Loan Term The term of a second mortgage loan is determined based on the specific purpose of the loan. If used for personal consumption loans, the maximum term shall not exceed 5 years; if used for personal business loans, the maximum term shall not exceed 3 years, and the loan maturity date shall not exceed the maturity date of the first mortgage loan. 3. Loan Amount The loan amount is calculated as loan amount = house value * mortgage rate - principal balance of the original loan. Among them, the value of the house is the lower of the original purchase price of the house and the appraised price at the time of the second mortgage.

The maximum mortgage rate for a second mortgage for an owner-occupied property shall not exceed 70%, while the maximum mortgage rate for a second mortgage for a commercial property shall not exceed 50%. 4. Loan interest rate The loan interest rate of the second mortgage loan is floating on the basis of the commercial loan interest rate of the same grade stipulated by the People's Bank of China. In addition, if the loan period is less than one year, if the legal interest rate is adjusted, the interest will be calculated based on the original contract interest rate; if the loan period is more than one year, if the legal interest rate is adjusted, the new interest rate will be implemented from January 1 of the following year. interest rate. 5. Loan process 1. The borrower submits relevant information for the second mortgage loan to the bank and submits a loan application. 2. The bank accepts the borrower's application and appoints a professional appraisal agency to evaluate the collateral. 3. The bank reviews the secondary mortgage information submitted by the borrower and handles relevant procedures. 4. If the bank's review is passed, the borrower can entrust the guarantee company to handle the advance and mortgage release procedures for the original loan. 5. After the original loan release procedures are completed, the borrower needs to go through the new mortgage registration procedures again. 6. After the procedures are completed, the bank issues the loan and the borrower repays the loan. The above content is the relevant knowledge about real estate secondary loans that the editor has compiled for you. I hope it will be helpful to you.