Chapter 264： What is Postponed Consumption?

Shi Lei understood it, but with it, Shi Lei felt that the scores did not match. ?? Bayi Chinese text W? W? W. 81ＺW. Com

He also asked: "Second-level, five-star consumption is even less than ten points? Because I still have a two-star consumption and a contribution to upgrade the card type. Even if the last one is not counted, then the two-star You can still add a little bit to your consumption. "

The scepter explained in a difficult way: "Every second-level employee gets a five-star bonus for every ten points and a two-star bonus for four points. The card upgrade is an additional bonus, which is not in the scoring system. Not counted. However, because you have deferred consumption, although it meets the consumption rules, it is still considered bad consumption, so you are deducted by four points. "

Shi Lei was not surprised, and immediately asked: "Deferred consumption refers to the 100,000 yuan I recharged at the racecourse?"

"Yes."

"All deferred consumption will be deducted as long as it does not violate the code?"

"Yes." The scepter already knew what Shi Lei was thinking, but helplessly, for its code, it was required to answer questions and not lie.

"Like! Great! So, can a loan to buy a house or a car be counted as a deferred consumption?" Shi Lei asked eagerly. He wanted to ask this question before. He couldn't buy a good car or a good house, and he kept hiding it. After all, the loan is not only about the current amount, but also the amount that can be easily spent in the next few cycles. Black cards may not recognize such consumption.

The scepter replied helplessly again: "Yes, but the total loan amount must not be more than twice the amount of each cycle."

"Does this double include itself or not? In other words, I now have a million lines, can I borrow two million, or can I only lend one million?"

"The maximum amount that a second-level employee can borrow is currently two million yuan. No loan deferred consumption is allowed until the loan is repaid."

Shi Lei laughed. He already knew the details in this regard. If this is the case, then this month's quota is most suitable for buying a car. It costs 7.8 million, buys a 2.7 million car, and a total loan of 2 million yuan. Excluding this month, For the next three months, Shi Lei didn't need to worry about spending money.

Spending a dozen or 200,000 a month, Shi Lei can still easily complete.

However, there is still a problem. Shi Lei always feels there are pits here.

"Can the interest on the loan be paid in line?" Shi Lei asked this question calmly.

Suddenly, the scepter became extremely angry. It was simply roaring: "Stupid marmot, why are you having so many questions, you can't ask a few more questions. I've told you very clearly. That's a negligible amount, and spending your money is the last word ... "

Shi Lei laughed again. Although the scepter had not answered yet, he already knew the answer to the question.

Quite simply, the interest paid on the loan cannot be repaid by the amount, but must be used in its own funds.

Shi Lei thought of the sports car man again, and further thought that the death of the sports car man was not only because of the 100,000 yuan, but also not because his consumption amount was not recognized by the black card. There is also a possibility that he is His sports car was bought back on a loan. He bears a lot of interest, and he thinks that interest can also be paid from the quota. In short, the cause of the death of the sports car man was formed by many comprehensive conditions. Otherwise, a mere 100,000 yuan should not have killed him.

Regarding this sports car man, Shi Lei feels that he can be completely thrown aside. How much he has lost without spending, Shi Lei doesn't want to know, anyway, he already knows that sports car men died of complex consumption and failed to meet the standards, which is enough.

After the scepter calmed down, he still answered Shi Lei's question: "The interest generated by loan consumption must be borne by the second-level employee and cannot be included in the quota."

In addition, Shi Lei realized that the money he rented should also be considered as a deferred consumption. Among the four points deducted from the first level, there should be the value of the deduction for this transaction. But he also made a mistake at the first level, that is to say, the rent deduction is not four points, and this time the deferred consumption has been deducted four points ...

Shi Lei snapped his fingers and said, "Go on to the next question."

"You have no end ?!"

Shi Lei shrugged his shoulders and said indifferently: "Of course it's not over, I have the right to ask, and you must answer, don't you?"

The scepter did not speak, and Shi Lei did not care about it. He directly asked: "Deferred consumption will be deducted. Is the deduction point fixed or does it vary according to the amount?"

"Depending on the amount, there are also deductions."

Shi Lei nodded and said, "Then, that means that every deferred consumption will be deducted a certain point. At the second level, the deferred consumption of 100,000 yuan will be deducted by four points. If I loan 2 million Isn't that going to be deducted by 80 cents? "

"The amount of deferred consumption is not proportional to the points. You don't need to know how to deduct points."

Shi Lei nodded his head and said that it really couldn't have such a big bug, it didn't matter.

"Continue. Deducting points, is it just deducting extra points, or will it deduct even the basic points?"

Scepter does not want to talk to Shi Lei any more, it now finds new problems no matter what Shi Lei says.

Therefore, it answered extremely succinctly: "Extra points will be deducted first, and base points will be deducted if there are no extra points."

"According to the consumption of each cycle at least six points, that is to say, without deduction of points, ten cycles will definitely be upgraded. However, because of the consumption of deduction points, it is likely that after ten cycles, I will It still does n’t reach sixty, even if you add extra points. So, will I be allowed to stay in the second level, or will I be punished? "

"Punishment! Of course, punishment! Ten cycles must be completed to upgrade, this is the longest period of your time in the second level!" The scepter was furious.

But Shi Lei seized another loophole and said, "The longest period of the second level is ten cycles. What about the third level? Less than ten or more than ten."

"Stupid marmot, you can't know the third-level things. Do you have to force me to give you some punishment before you learn the lesson and stop exploring the third-level things?"

Shi Lei hurried to accompany the smiley face and waved his hand and said, "Everyone discuss it ~ www.novelhall.com ~ Can't say it, just let it go, just shout and kill what punishment."

"Humph!"

The scepter is still arrogant, but Shi Lei is talking to himself: "It seems that you can't blindly defer points to delay the upgrade. You still need better control to delay the upgrade as much as possible, but It also guarantees that it can reach at least 60 points within ten times. "Shi Lei has simply calculated that in ten consumption cycles, theoretically, he can get a maximum of three hundred percent of the basic score, but if there is no deduction, two The second full score is directly upgraded, and he will not encounter points. With the existence of deduction points and getting points deducted, he needs to ensure that enough basic points are obtained in future consumption. Otherwise, the ten consumption cycles are over and the basic points are less than sixty. He will be obliterated.

This is actually quite dangerous.

The scepter has completely disregarded Shi Lei, this kid, the monkey is sticking to his hair.

"Did you finish the question? Or start the lottery after asking?" From the time when the lottery was not allowed, until now I actively wanted to let Shi Lei draw, the scepter only felt that he was tired and heart tired.

"Don't worry, there is one last question."