Chapter 40: SF90 Spider

At the dealership's specialized configuration station, the sales consultant displayed the current spec sheet on the screen. The car was finished in Rosso Corsa paint, equipped with silver-gray lightweight forged wheels and yellow calipers.

Li Yan pondered for a moment and decided to leave the exterior as is; it saved time and maintained the high recognizability of the Ferrari red. As for the interior, he wanted a more understated black leather finish with red stitching accents, replacing the slightly mismatched red-and-black patchwork of the original.

"In that case," the consultant tapped the screen a few times, "we will retain the carbon fiber center console and steering wheel from the base interior, but change the red sections of the seats and door panels to black leather with red stitching. This will add about 80,000 in modification fees. There is no need for a long-lead order; we can have it finished within three weeks."

"No problem," Li Yan nodded. The most important thing right now was being able to drive the car home within three weeks to a month; he wasn't too concerned about the extra modification costs.

The consultant turned to the loan page, indicating that this was the installment calculator provided by Ferrari Financial and their partner banks. After a rough estimate, the price of the SF90 Spider, including taxes, was around 5.1 million, and with the added interior modification fees, expedited customs clearance, registration, and insurance, the total came to approximately 5.3 million.

Li Yan planned to make a down payment of 2.49 million, with the remaining 2.8 million to be paid off over five years. Including interest and principal, the monthly payment would be around 50,000 to 60,000.

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

"Yes, I have my bank statements, credit reports, and other documents with me," Li Yan said, handing over the files. "Submit them right now if needed."

The consultant took the files, reviewed them, and began filling out the application form on the computer. "Once we send this to the bank, you will have a result within three days. If the approval goes through, we can formally place the order for customization or interior modifications. With our expedited customs filing and local interior conversion plan, we hope to complete delivery within three weeks," she said.

"That works," Li Yan closed his folder. Looking at the figures on the screen, he recalled the investment returns he had checked previously. He weighed the monthly payment in his mind; while not light, it was within his manageable range.

At a consultation desk in the showroom, the consultant printed an "Intent to Purchase Agreement" and a "Financial Pre-approval Application" for Li Yan to sign. It stated:
• Base car price: ~4.8 million
• Taxes and miscellaneous fees: ~300,000
• Interior modification and options: 80,000
• Expedited service fee: ~50,000
• Final drive-away price: ~5.3 million (subject to adjustments if actual costs differ)
• Down payment: 2.49 million, with a remaining loan of ~2.81 million, estimated monthly payment of 50,000–60,000 over five years

Li Yan paid the 100,000 deposit on the spot and signed the supplementary agreement for "Expedited Service." The dealership promised that as long as the loan was approved, all procedures would be completed in about three weeks, including shipping the car to Chengdu, performing the PDI, and handling registration for delivery. As for the interior parts, they only needed to confirm the leather stock and coordinate with the factory.

Once completed, he would be able to cruise the streets of Chengdu in that hardtop convertible SF90. It would be the first car of his life.

After finalizing everything, he gently stroked the hood and took a deep breath. He didn't even sit inside to get a feel for it yet; he just gazed at the rear compartment where the V8 engine was faintly visible.

At that moment, the consultant did not disturb him, observing the look of determination and satisfaction on his face—he had secured both the sports car he wanted and the expedited process he needed.

When he walked out of the Ferrari 4S dealership, the sun was still bright, but Li Yan felt even more cheerful. The drive-away price of the SF90 Spider was not cheap, but with the backing of the system, his investments, and the loan, this first top-tier supercar of his life felt like a natural outcome. In three weeks, he would own Ferrari's flagship hardtop convertible hybrid supercar. The attention it would draw was enough to satisfy the part of him that occasionally wanted to "show off," and it would write a magnificent prologue to his life at the start of his university years.

He didn't go to the Porsche or Lamborghini dealerships to look at cars; Li Yan was already certain that his first car would be the Ferrari SF90. Besides, he was out of money for now. The 2.49 million from the previous consumption rebate had all been spent. Although the loan would take a day or two to process, Li Yan needed to keep his remaining funds for the loan payments.

As for buying a car on credit? Isn't that perfectly normal? What normal person doesn't have a car loan or a mortgage? As for paying for cars and houses in full? That’s a choice only available when one’s funds are more than abundant. And besides, it was completely unnecessary.

As for how to manage his expenses during this period? Li Yan certainly had ways; he wouldn't run out of money in the day or two it took for the system rebate to arrive. Li Yan’s Huabei credit line alone had a limit of 100,000, and Jiebei had a limit of 280,000, not to mention his Industrial and Commercial Bank of China credit card with a 300,000 limit.

These were the benefits of frequent financial management throughout his three years in high school, which resulted in Li Yan having an excellent credit rating and high credit limits. Therefore, there was no need to worry about his standard of living dropping, especially since it would only be for a few days. Once the contract was formally signed, the system rebate would arrive immediately, and by then, Li Yan would naturally have nothing to worry about.

As for why he didn't cash out those funds to buy the car? Li Yan hadn't reached that extreme. Buying a car was a hobby and a task, but not a reason to go all-in or overextend his consumption. For Li Yan, there was no need for that.

It was past five o'clock in the afternoon when Li Yan returned home. Passing through the lobby, he could see the pale golden sunset spilling in through the floor-to-ceiling glass of the residential complex. His day of rushing around had ended, and he had finally settled most of the process for purchasing the Ferrari SF90 Spider. All that remained was to sign the formal contract and patiently wait for the car to arrive. What made him happy was that all procedures had entered the expedited channel; perhaps he really would be able to drive that hardtop convertible supercar home in about three weeks.

He changed his shoes and entered the living room, put down his backpack and files, and let out a soft sigh of relief. The city outside the floor-to-ceiling windows looked peaceful in the twilight. Thinking about the few days since he had arrived in Chengdu—rushing every day to look at apartments, buy things, and run to banks and dealerships—he realized he hadn't truly savored the local classic delicacies.

"It's time to treat myself properly."

He muttered to himself as he fished out his slippers from the corner of the living room and put them on. After tossing his keys onto the entry cabinet, he decided to go downstairs to have a real, authentic Chengdu hot pot.

Grabbing his phone and wallet, Li Yan closed the door. As he took the elevator down to the first floor, the building's concierge glanced at him and nodded with a smile. The evening air outside held a humid warmth, but it wasn't too uncomfortable. He walked a few hundred meters along the sidewalk outside the complex and found a popular hot pot restaurant, a large red sign reading "Old Brand Sichuan Flavor Pot." He could smell the complex aroma of chili and Sichuan peppercorns from the doorway, which immediately whetted his appetite.