Chapter 41: SF90 Spider

In front of the special configuration computer in the store, the sales consultant displayed the existing configuration table one by one on the screen.

The car paint was maintained as Rosso Corsa, the wheels were silver-gray lightweight forged models, and the calipers were yellow.

Li Yan thought for a moment and decided not to change the exterior, which could save time and maintain the high recognition of Ferrari red.

As for the interior, he wanted a more low-key black leather with red thread embellishment to replace the original red and black stitching that looked a bit mixed.

"In that case," the consultant tapped the screen a few times.

"The basic interior retains the carbon fiber center console and steering wheel, but the red parts of the seats and door panels are changed to black leather, plus red threads, increasing the modification fee by about 80,000. There is no need for a long-term order, and it will be done within three weeks."

"No problem." Li Yan nodded. The most critical thing right now was to be able to take the car home within three weeks to a month; as for this extra modification fee, he wasn't too entangled.

The consultant flipped to the loan page again, indicating that this was the installment calculator of Ferrari Finance and partner banks.

After a simple estimation, the car price including tax was about 5.1 million, plus some modification fees, urgent customs declaration fees, licensing, and insurance, totaling about 5.3 million.

Li Yan prepared to use 2.49 million for a one-time down payment, and the remaining 2.8 million would be paid in installments over five years; the monthly interest plus principal might be around 50,000-60,000.

"Can you go through the simple approval process today?" the consultant asked.

"Yes, I have brought documents such as bank flow and credit proof," Li Yan said, handing over the documents, "Submit it on the spot if needed."

The other party took the documents to check for a while, and then clicked on the computer to pre-fill the application form for him.

"After we send it to the bank, the result will be given within three days.

If the approval is no problem, we can officially place an order for customization or interior modification.

We will combine urgent customs declaration with the local modification plan, hoping to complete the delivery within three weeks." She said.

"That's fine." Li Yan closed the documents, looked at the values on the computer, and recalled the financial management income he had checked in advance a few days ago; he weighed that the monthly payment wasn't easy, but it was within his controllable range.

At a negotiation table in a corner of the exhibition area, the consultant officially printed a "Car Purchase Intention Agreement" and "Financial Pre-approval Application" for Li Yan to sign. It stated:

•Basic car price about 4.8 million

•Taxes and miscellaneous items about 300,000

•Interior modification and selection fee 80,000

•Urgent fee about 50,000

•Final landing price about 5.3 million, if there is a difference in specific costs later, make up the difference or refund

•Down payment 2.49 million, remaining loan about 2.81 million, five-year monthly payment estimated at 50,000-60,000

Li Yan paid a 100,000 intention deposit on the spot and signed the "Urgent Service" supplementary agreement.

The store promised: as long as the loan was successfully approved, all procedures could be completed in about three weeks, and the car would be transported to Chengdu to complete PDI inspection and licensing delivery.

As long as the interior modification parts confirmed the leather inventory, they only needed to communicate with the original factory.

Once completed, he could drive that hard-top convertible SF90 to cruise the streets of Shudu, which was also the first car in Li Yan's life.

After doing all this, he gently touched the front of the car, took a deep breath, and didn't even sit in to feel it too much, just looking at the rear cabin where the V8 engine could be vaguely seen.

At that moment, the consultant didn't disturb him, seeing the determination and satisfaction in his expression—the sports car he wanted, and the urgent process he wanted, were all settled together.

Walking out of the Ferrari 4S store, the sunlight was still dazzling, but Li Yan's mood was more cheerful: the landing price of the SF90 Spider wasn't cheap, but with the system, financial management, and loan support, this first top-tier supercar in his life could be considered a matter of course.

Three weeks later, he would own Ferrari's flagship hard-top convertible hybrid supercar, and that head-turning rate was enough to satisfy his inner desire to "show off" occasionally, and also write a magnificent prologue for himself at the starting point of university.

Not going to the Porsche or Lamborghini stores to look at cars again, Li Yan had already determined that his first car was the Ferrari SF90.

Besides, he had no money left now.

The 2.49 million from the previous consumption rebate had all been spent.

Although the loan still needed a day or two to be processed, Li Yan still had to keep these funds to pay for the loan.

As for buying a car with a loan?

Isn't this very normal?

Which normal person doesn't have a little car loan or housing loan?

As for paying for a car and house in full?

That must be a choice made under the condition that funds are abundant to the point of no longer being abundant.

Besides, it was completely unnecessary.

As for what to do about consumption during this period?

Li Yan definitely had a way, and it wouldn't be that he would have no money in these one or two days when the system rebate hadn't arrived yet.

Just Li Yan's Alipay credit line alone had a quota of 100,000, and cash loan quota also had a quota of 280,000, not to mention that Li Yan had an Industrial and Commercial Bank of China credit card with a quota of 300,000.

These were all some benefits brought by frequent financial management over the three years of high school, which was that Li Yan's credit and quota were quite high-quality.

So there was absolutely no need to worry that his recent standard of living would decline, and it was only for a few days.

Once the contract was officially signed, the system's rebate would arrive immediately, and by then, Li Yan naturally wouldn't need to have any worries.

As for why not cash out these funds to buy a car?

Li Yan hadn't been so extreme yet.

Buying a car was just a hobby and a task, but not a reason for him to go all-in or even overdraw consumption.

For Li Yan, doing so was completely unnecessary.

When Li Yan returned home, it was already past five o'clock in the afternoon; passing through the lobby, he could still see the pale golden sunset spilling in outside the floor-to-ceiling glass of the complex.

A day of running around ended, and he finally settled most of the purchase process for the Ferrari SF90 Spider; next, he just had to wait for the formal contract to be signed and patiently wait for the car to arrive.

What made him happy was that all procedures had entered the urgent channel, and maybe he could really drive that hard-top convertible supercar home in about three weeks.

He changed his shoes and entered the living room, put down his backpack and documents, and let out a light breath.

The city outside the floor-to-ceiling window looked peaceful in the twilight; thinking of the few days he had just arrived in Shudu, running around looking at houses, buying things, and running to banks and car dealerships every day, he really hadn't tasted the local classic food properly.

"It's time to treat myself properly."

He said to himself while taking out the slippers in the corner of the living room to put on.

After throwing the keys on the entrance cabinet, he decided to go downstairs to eat a real Shudu hot pot.

Taking his phone and wallet, Li Yan closed the door and took the elevator to the first floor; the concierge of the complex glanced at him and nodded with a smile.

The air outside the door had a damp heat from the evening breeze, but it wasn't too unbearable.

He walked a few hundred meters along the sidewalk outside the complex and saw a popular hot pot restaurant, with the words "Old Brand Sichuan Flavor Pot" written on the big red sign.

One could smell the compound fragrance of chili and peppercorns from the entrance, which immediately made his appetite open wide. ===== CHAPTER 42 =====