Heart of an Innocent Chapter 3

He climbed the last step and was about to turn the corner when a figure suddenly appeared and almost collided with him. Fortunately, he reacted quickly and was quite agile, so he barely avoided it.

"Oh, sorry, I scared you." The woman in front of him was probably still frightened and was looking at him apologetically.

"It's okay." He said magnanimously.

The woman glanced at the file bag in his hand. "Are you here to apply for a housing fund loan as well?"

David Wen nodded. "Yeah, you too?"

"I just finished it."

"Is there a lot of people today?"

"There are a lot of them. Go quickly and I wish you good luck."

After the woman finished speaking, she smiled at him, brushed past him and walked down the stairs. David Wen stood there, still staring at the woman's back as she walked down the stairs.

She looked to be in her thirties, and her appearance was outstanding. When she looked at you, her eyes cast a light that made people's hearts beat faster. She was not very tall, but she was plump. When she spoke, her words were clear and her voice was very pleasant, like some kind of gentle feeling gently entering your ears. No matter from which angle you looked at her, she could be regarded as a beautiful young woman who made people like her at first sight.

However, when she smiled just now, there were relatively many wrinkles at the corners of her eyes, which was very inconsistent with her age. For some reason, he felt that the wrinkles at the corners of the woman's eyes were not caused by the years, but were carved by the ruthless mark of fate after experiencing some huge changes.

It was not until the woman disappeared from his sight that David Wen came to his senses and walked into the office hall. There were indeed quite a few citizens coming to handle business today. They were all sitting in the hall waiting, and the sound of calling numbers came from the radio from time to time. He did not take a number, but looked at counter No. 3. The staff at the counter was indeed the same one he saw last time - a young girl in her 20s, wearing a pair of black-framed glasses, like a college graduate. Last time he failed to handle it, the girl asked him to go back and complete the procedures. He asked if he had to queue up next time, and the girl replied that it was not necessary, and he could just wait for the previous citizen to finish the business and come directly to the counter to find her.

Now, there was a man in front of counter No. 3, so David Wen found a seat facing counter No. 3 and sat down. After sitting down, he opened the file bag again and took out a piece of paper from it. There was a title on the paper: One-time notice for applying for housing provident fund personal loan. Under the title was a table, which listed all the materials required to apply for a provident fund loan. There was a line in the box at the bottom of the table:

To settle the consumer loan, please supplement the contract + settlement certificate.

This was the material he was missing when he came back last time. At that time, the girl at counter No. 3 looked at his credit report and asked him, "Have you applied for a loan called 'Quick Loan' before?"

"Yes," he replied.

"What is the loan for?"

"I used it to buy a car."

"Has the loan been paid off?"

"It has been paid off long ago."

"What about the settlement voucher?"

He was startled: "Clearance voucher?"

"Yes, you need a settlement voucher to prove that you have paid off the loan." The girl told him, "Go to the bank and ask them to print a copy for you, and bring it with you next time."

"Oh..." he responded, feeling a little disappointed. It seemed that he couldn't do it today, and he would have to come again later.

"In addition to the settlement voucher, you must also bring the loan contract."

David Wen was stunned: "I don't have a loan contract."

The girl adjusted her glasses and looked at him leisurely, as if she was looking at an infant without common sense. "How did you get the loan without a contract?"

"I took out a loan through mobile banking, and the money was directly transferred to my card."

"If you use mobile banking to take out a loan, there will also be an electronic contract. You can ask the bank staff to print it out for you along with the settlement voucher."

After leaving the counter, David Wen opened the mobile app of Yongshang Bank, entered the "Quick Loan" section, found "My Loan", and indeed saw an option of "Contract View". After clicking in, the title of the page read "Personal Self-service Small Loan Contract", which was it. On the same day, he went to Yongnan Branch of Yongshang Bank without stopping and explained his purpose to the lobby manager. Afterwards, he successfully got the loan contract and settlement certificate he wanted.

Now, the loan contract and the settlement voucher, along with the materials reviewed last time, were all placed in the file bag. "There shouldn't be any more problems today," he muttered to himself, and looked up at counter No. 3 again.

At this time, the man at the counter began to put the documents back into the file bag. It seemed that he had not done it, and the girl returned his documents. David Wen saw this and immediately came to the counter and greeted the girl: "Hello, I brought all the documents you asked me to fill in last time."

The girl drank some water first, then stretched out her hand: "Let me see."

He handed over the loan contract and the settlement voucher.

The girl took a pencil and read the settlement voucher first, circling the word "settled" in the "loan status" column. Then, she circled the number "89800" in the "loan principal" column. Then, she picked up the loan contract and read it page by page, circling some key information with a pencil from time to time to compare it with the information on the settlement voucher. She was very serious while reading it, and didn't say a word during the whole process. Only when she turned to the last page did she suddenly lightly touch the lower right corner of the page with her finger: "Where is the stamp?"

David Wen was stunned: "What chapter?"

"How can a loan contract be legally effective if there is no seal on it?"

That’s right, as a bailiff and a law graduate, he suddenly realized the problem as soon as the girl said that.

"You mean, I need the bank to stamp my name?"

"No need," the girl said, placing the settlement voucher in front of her. "When you print the contract, there should be an electronic stamp like this on it."