Fast cash loan
My cellphone started ringing in my office work hours. I try to figure out
the number who could be.
Maybe some customer or vendor for some important message.
Hello
Good afternoon sir, I am Seema from XYZ Bank of instant loans. Can I take 2 minutes of you sir.
Well the voice is so sweet that I cannot say sorry I am busy. Oh! Yes please tell me.
Sir, Our bank is one of the leading Banks of the country and we provide instant fast cash loan for all your requirements in just 48 hours.
At what percent interest
Sir very less, could I know what is your profession
Well I am a senior executive in a company
Good Sir, what is your monthly income
Hmmmmm. Rs. 60,000.00 per month
Good, Have you taken any other loan
No
Sir, what is your requirement
Say, Rs. 3,00,000.00
Not a problem sir, normally we give loans at 16% reducing balance, but for you will give special consideration and charge 15%
Why such favour to me. Are we related in any way
Ha aha no sir, since you have a good profile
But why should I be taking loan at 15%. I did not tell you but I am a finance person and I know that I can get this loan at 12%
Sir, let me talk to my seniors and I will call you in 5 minutes.
She knows probably she has been able to net a fish and starts calculating her commission.
After 5 mins
Trin Trin..
Hello
Sir Seema again. Sir I spoke to my seniors and sir I have taken special approval for 14% interest. Sir please this is very good offer.
But some Banks are offering at 12%
Sir they ask you for so many documents and their limit is Rs. 1,00,000.00 and they take almost 15 days to disburse.
What is the guarantee that you will disburse in 48 hours.
Sir, we do it everyday. Please sir.
O.K. (I get caught in her sweet voice and plan to invest this amount fast cash loan is stocks and make quick profits) What next
Sir please give me your address, I will send my courier to collect some documents and to get the application filled.
O.K. note down Mr.________________, xxxxxxxxxxxxxxx,
Thank you sir.
After 2 hours, a persons enters my office.
Good evening sir, I am from XYZ Bank, Ms. Seema has sent me.
Oh! Please come.
Sir can I have your visiting card
And My application is being filled. Documents handed over and he shakes hand and takes all the documents with application form of which I should have asked for royalty.
Trin Trin
Sir Seema here
Yes Seema
Sir there will be someone for enquiry, please tell them that you require this for renovation of your house and to buy consumable durables. It will be easy to fast cash loan process.
For next 3 days I am kept bothered by phones, My family and my residence is visited by various people for verification. And suddenly my boss calls me. Hey what is this, you have applied for a loan. Here is someone enquiring about you, your income and your character.
In short, half of my friends and colleaugues come to know that I have applied for a loan.
3 days more gone. I call on the number from where Seema had called, but I am told she is on leave. I applied on 18th and it is already 26th and I have no clue about my loan disbursement. 27th I get a call.
Sir congratulations, I am processing your application and I have found all the papers in order. Please note down that we have sanctioned a personal loan at 14% interest. We will be charging a processing fee of 2% upfront and will be decucted from the disbursement. The EMI is RS. Xxxx.xx per month which will be charged to your Bank every 3rd of the month.
Why this 2%
Sir this is processing fee.
But I was not told about it.
Sorry sir but that is mandatory.
No. NO. I dont want it
OK wait sir
Pause
Sir I have spoken with my seniors and as a special case, we will charge 1%
Now the wait for the cheque starts. And on 31st I receive the cheque.
On 1st I go to my Bank to deposit the cheque, and my friend Bank manager says what is this, you are a finance person and. I could have given you the loan is 24 hours at 12%.
Well I said I wanted an instant loan.
We dont go by targets to complete by the end of the month, If you want instant loan from these Banks, then fill your application fast cash loan towards end of the month. The targets of the officers/executives are required to be completed on monthly basis. But my friend, you will pay 2% extra interst and 1% processing fee for the sweet voice, which you will not listen for the remaining period of your loan.
Other Articles