armyinform Page 167
Page 167
What he is thinking now, others do not understand...
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About three or ten minutes later, Manager Luo opened the door and walked in.
"Our risk control department came up with the final opinion and agreed to the plan in principle, but made slight adjustments. Take a look, this is the final condition of the loan and cannot be changed!"
He emphasized, and then pushed a document in front of Yu Wenfei.
Yu Wenfei picked up the document and just glanced at it before frowning.
This requires...
It's a bit harsh.
Chapter 143 Shocked as a Heavenly Man (please subscribe, ask for a monthly pass)
The risk control department of the bank issued a suggestion that there was no problem with the loan amount. The three-party contract was first [-] million and then [-] million, which was considered to have agreed to Yu Wenfei's proposal.
As for the interest before the capital, there is no problem.
The ten-year loan has an annual interest rate of 5.9%, which is considered a normal commercial loan interest.
According to the repayment method of interest first, then the 300 million loan, the annual interest is 450 million, which is nearly [-] million per month.Ten years later, the principal will be paid off in one lump sum.
However, the most critical one is to change the one year promised by Yu Wenfei to half a year!
Don't look at the difference of one word, the difference is huge!
In half a year, a down payment of 200 million was raised.
Also add 250 million half-year interest on the 450 million loan, a total of [-] million!
This difficulty, to be honest, is a bit big.
However, Manager Luo just emphasized that this is the final plan, that is, there is no room for maneuver.
Talk to another bank?
As soon as Yu Wenfei had this idea, he immediately rejected it.
Banks are all virtuous, and this is the condition for Hang Seng. If you change to a second bank, the conditions may be even more stringent.
So, can I earn more than 7000 million in half a year?
Yu Wenfei thought about it carefully for a while, and finally nodded.
According to this condition, sign the contract!
When the dust settled, Yu Wenfei became the "nominal owner" of this shop king in Causeway Bay.
As for the miscellaneous procedures, all are left to Hang Seng Bank and intermediary companies.
Capitalism is good here, as long as you are willing to pay, nothing is impossible!
Professionals from World Union Properties and Hang Seng Bank are responsible for the transfer of the store under the name of a company and how Yuwenfei’s money is transferred from the Mainland to Hang Seng Bank.
From this transaction, they can also earn a lot of money, and of course they should contribute as much as they should.
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After the bank loan is approved, the property rights of the store are obtained.
However, this is just the beginning.
Next, Yu Wenfei found another agency and registered two companies.
The first one is a capital management company registered in the Cayman Islands, named "Red Stone Capital Management Company", and its English name is RED STONE, or "RS" for short.
Why is it registered in the Cayman Islands? Of course, the tax here is low, and shareholder information can be concealed, so it is basically impossible for others to find out.
This company is fully controlled by Yu Wenfei.
Main business: investment, finance, asset management.
The second company, registered in Xiangjiang, is called "Jia Le Commercial Co., Ltd."
The controlling shareholder is "Redstone Capital", accounting for 95% of the shares.Minority shareholder Zhou Mengyi holds 5% of the shares.
And the property right of the store just bought is under the name of this "Jia Le Commercial Co., Ltd."
Zhou Mengyi, as the legal representative and general manager of this company, is also an out-and-out Hong Kong-funded company!
When handling the company, capital verification and store transfer, Manager Luo of Hang Seng Bank also participated. After all, the real estate certificate of the store is still under his custody.
Seeing Yu Wenfei's series of operations, Manager Luo had some ideas in his mind, but he couldn't tell what the benefits of doing so were.
He couldn't help but ask Yu Wenfei.
"What is the purpose of you registering the store under the name of this company, and registering two companies in a row? How convenient it is to apply directly to your personal name, saving a lot of procedures and fees. Can you tell me?"
Yu Wenfei smiled slightly, but did not answer directly, but said: "Manager Luo works in Hang Seng Bank, the position is not low, and the income should be good."
As a senior manager of the credit department of Hang Seng Bank, the income is certainly good!
Manager Luo's annual income in recent years has exceeded 300 million Hong Kong dollars.
Of course, it is pre-tax.
This income can also be called the elite among the elites in Xiangjiang, the real golden collar!
Although Manager Luo was a little smug, he didn't show it on his face. He just replied calmly: "It's not bad."
Yu Wenfei asked again: "Currently, I only have more than 2000 million Hong Kong dollars in my hand, and Manager Luo also knows, so if I want to hire a talent like Manager Luo, will you consider it?"
Manager Luo was stunned, stop joking, how could it be possible to hire an elite with an annual salary of several million with only 2000 million in hand!
Although he didn't answer, the look on his face said it all.
Yu Wenfei smiled, and continued to ask: "Then what if it's a billionaire with assets under his name, and he wants to ask you to do things for him."
Manager Luo roughly understood what Yu Wenfei meant. He had billions in assets under his name and owed a large loan to the bank.
However, if such a person wants to invite me, it is a different concept, I will think about it, and then tactfully refuse.
After all, even if he doesn't need to flatter a billionaire, he will never offend him, and he still has to give him the face he deserves.
"Then what if it's a new company with a market value of over one billion? The one who wants to hire you as a company executive, and hopes to go public and share shares in the future."