My rebirth is different

Page 163

Although 1000 million Hong Kong dollars is only one percent of the transaction value of one billion yuan.

But obviously, no one would take so much money as a joke. Once the deposit is paid, the deal can be said to be a certainty.

"Okay! Refreshing! If that's the case, then I'll pay the price as well, a one-billion-buy price! In addition, I can introduce you to the prospective tenant. It can be regarded as a small gift, haha..."

Uncle Li clapped his hands and smiled heartily.

If calculated on the basis of 80 yuan, the total price of this shop would exceed one billion yuan. Now that he has erased a full 800 million yuan, it can be regarded as an expression of his sincerity.

"Then I will pay the deposit of 1000 million Hong Kong dollars to the intermediary first. As for the actual transaction, it will take two or three days. We will make an appointment at that time. I will talk to the bank about the loan in these two days. Li Sheng, you understand. "

Yu Wenfei said with a smile on his face.

Of course, Uncle Li understands that he is in the real estate industry. For this kind of big deal, how can the buyer pay the full amount by himself? They all use the bank loan channel.

"No problem, then I will wait for your good news!"

he said bluntly.

On Ah Shui's side, the company's financial and legal affairs have been called, and the agreement of intent has been drawn up.

Sign the contract of intent and pay the deposit.

"What bank does your company have a good relationship with?"

When signing the contract, Yu Wenfei asked Ah Shui.

"Hang Seng Bank! We World Union Real Estate and this bank are strategic partners."

Ah Shui said proudly.

Speaking of banks in Hong Kong, many people's first reaction may be HSBC.

But in fact, Hang Seng is the bank with the most outlets and the strongest strength in Xiangjiang. In addition, the parent company of Hang Seng Bank is also HSBC Holdings.

"Then make an appointment with someone from the Hang Seng Credit Department to talk about the loan."

Yu Wenfei ordered.

This is a normal process and a service provided by an intermediary. Of course Ah Shui has no problem.

Immediately asked the company's top management to come forward and contacted relevant people from Hang Seng Bank.

…………

The first step of Yu Wenfei's overall plan was completed without any surprise or danger.

Next, the most difficult step in the overall plan, and a link he was relatively unsure of, was getting a bank loan!

Chapter 140 On the brink of desperation

The amount of this transaction is too huge, and the loan amount is also very high. The credit department of Hang Seng Bank pays more attention to it. The senior manager of the credit department personally leads the team and organizes a special team to take this order.

In the Hang Seng Bank headquarters building, in the VIP room of major customers, Manager Luo of the Credit Department and several subordinates received Yu Wenfei, Zhou Mengyi, and Ah Shui.

There is no need for Ah Shui to introduce again. Manager Luo has already obtained the relevant information.

What needs to be determined now is the issue of the loan amount and related procedures.

"Mr. Yu Wenfei, how much do you intend to borrow? In addition, Xiangjiang's financial system is relatively strict, and the procedures may be more complicated. You must be mentally prepared."

In his early thirties, in a neat suit and wearing a pair of gold-rimmed glasses, Manager Luo said with a smile on his face.

Negotiation with the bank is the focus of Yu Wenfei's visit this time, because whether he can get enough loans is the key to whether this deal can be concluded.

At the moment, he also became serious.

"Manager Luo, the amount I need for this loan may be a bit high."

Manager Luo smiled, this is normal, it is possible to borrow [-], [-] or even [-] million for a shop worth [-] billion Hong Kong dollars.

"It's okay, just say it straight, and then we'll see how much we need to borrow."

He said politely, he didn't neglect Yu Wenfei just because he was young.

Regardless of whether Yu Wenfei is the real "golden master" or not, or the second generation of a certain family in the Mainland, who came here on behalf of the family, he does not want to offend, and there is no need to offend.

Yu Wenfei frowned slightly, and said frankly: "I only have a total of 500 million yuan in my hand now, and I need a loan for the short amount."

Manager Luo was stunned. After he understood Yu Wenfei's words, he almost didn't jump up.

However, the high enough self-cultivation allowed him to control his emotions, but the smile on his face faded a bit.

"Mr. Yu Wenfei, you are not joking!"

Manager Luo slightly accentuated his tone.

Yu Wenfei spread his hands and smiled, "Although I don't have enough funds at hand, please believe me, Manager Luo, that I have enough ability to repay the loan. Now I am meeting you because I want a professional like you to help me Make a reasonable and feasible loan plan. That is, what conditions are needed to make this deal when I only have so much money on hand!"

Seeing that Yu Wenfei was not in a hurry and didn't seem to be joking, Manager Luo also calmed down.

"Mr. Yu Wenfei, could you please introduce your situation in detail, especially in terms of assets. If you have enough assets and stable and sufficient income, you can support this loan, but if you don't have that much cash in hand , it’s not impossible to talk about it.”

That is to say, in Xiangjiang, a place with a highly developed financial industry, all commercial banks, as long as the risks are controllable and the profits are sufficient, there is nothing that cannot be discussed.

If he was in China, Yu Wenfei would never go to the bank to talk, because he knew that it would be impossible to get a loan!

"I don't have any business in China. Oh, I had a stake in a company a few days ago, but I've sold it. Actually, I'm a writer..."

Following Yu Wenfei's words, Manager Luo's mouth opened wider and wider, and Ah Shui, the real estate agent next to him, almost dropped his jaw.

They always thought that Yu Wenfei was the second generation of a certain big family, who came to buy property on behalf of the family.

After a long time, it turns out that this is not the rich second generation, but the rich generation!

But it's too outrageous.

A 16-year-old high school student earned more than 2000 million by writing books?

Moreover, earning so much money is not enough, and I want to buy a shop worth one billion with this more than 2000 million!

Are all young people in the Mainland so outstanding?

Manager Luo quickly weighed in his mind, if what the young man in front of him said was true, then it is not impossible.

The first book earned more than 2000 million yuan just half a year after it was released. According to him, the second book will be published soon.

According to this trend, the sales volume of the second book should not be bad. Coupled with the steady stream of follow-up royalties from the first book, the annual income is still quite considerable.