Tao Zheng's words are very vague, but the meaning is self-evident.

It is intended to tell Qin Yao that 10 billion can be loaned, but there must be collateral of equal value.

After all, banks are not charities.

Putting 10 billion out at once is extremely risky.

If there is no collateral of equal value, how can the bank lend to Qin Yao?

"This is the share subscription agreement of Zhouhai International, and I wholly own this hotel, with a total valuation of about 3 billion!"

"This is the share subscription agreement of Shakefire Company, which is wholly owned by me, and the value is also about 3 billion!" Qin Yao auctioned out the equity transfer agreement between the hotel and Shakefire.

Since it is a negotiation, of course, the offer must be quoted high enough.

It is the so-called sky-high asking price, bargaining on the spot.

Two large-scale industries, of course, are not worth so much, and they are worth three billion dollars.

Qin Yao falsely reported the price and borrowed 10 billion yuan, which is less than double the leverage, such a situation is not uncommon in the bank loan business.

"As far as I know, Zhouhai International Hotel has been established for ten years, and all kinds of facilities have been aging, and the most valuable thing is this land. Even if you count the land, the valuation of the hotel is only about 1 billion, I don't know how Mr. Qin came up with the price of 3 billion?"

"Although Douhuo Company is also a listed company, because the development of the traditional self-media industry has reached a bottleneck, Douhuo can be regarded as a sunset industry. Coupled with the brand value, it has reached one billion in the sky, where does these three billion come from?" Tao Zheng smiled angrily.

I've seen a lion open his mouth, but I've never seen Qin Yao like this.

With two industries worth about 2 billion yuan as collateral, you will have to borrow 10 billion yuan when you open your mouth, such a high-risk business, sand sculpture will do it.

Qin Yao seemed to have expected Tao Zheng to say this, and he was not in a hurry or anything, and analyzed very calmly: "It is true that the facilities of the hotel are aging, but the land will not age!"

"According to the analysis of the price trend of commercial land in Modu in the past ten years, the annual premium of the land owned by the hotel is more than 20%. ”

"With the gradual reduction of commercial land, the premium of the land may increase, as for how much it can grow, this point is up to the wisdom of the wise!"

"Although traditional self-media is a sunset industry, this does not affect the future development of Shakefire. With the advent of the 4G era, traditional self-media will burst out with vitality again. With huge user resources and many years of deep cultivation in this field, it only needs one transformation, and its value is immeasurable!"

To be honest, if it is not necessary, Qin Yao is really reluctant to take the two properties as collateral.

Forget about the hotel.

If it's gone, it can be rebuilt.

Especially shaking the fire.

Qin Yao is even more aware of its value.

If he follows the route he set, within three years, the market value of Douhuo may increase more than tenfold.

But at the moment, Qin Yao can't take care of so much.

I can't bear to let the child trap the wolf.

If you can't even pass the current level, let alone the future!

"It is true that there is a premium for commercial land every year, but for the hotel this acre of land, where can the premium go? As for whether to transform or not, that is also Mr. Qin's own business, but it is not within the bank's ability!"

"With all due respect, although Mr. Qin's two properties also have a certain value, they are not worth 10 billion!" Tao Zheng was quite disdainful of this.

Qin Yao uses an industry of about 2 billion yuan to engage in five times the leverage, not to mention that the headquarters can't approve it, even he is sad to pass this hurdle.

To put it bluntly, this matter is recognized.

In other words, Lao Wang and Ma came to talk, and Tao Zheng couldn't wait to post it upside down.

Qin Yao is an unknown nouveau riche, but he was found through Sun Zhong's relationship, although he also has a little money, it is not enough to be convincing.

With a loan of one billion and two billion, Tao Zheng may still consider it, his mouth is tens of billions, and Tao Zheng did not directly shake his hand and leave, even if he gave Qin Yao face.

"Is there no room for relaxation in this matter?" Qin Yao had already understood what Tao Zheng meant, and he didn't bother to say any more superfluous nonsense.

"The amount is too huge, and it's not for me to call the shots, sorry Mr. Qin!" Tao Zheng shook his head quite resolutely.

Qin Yao didn't force him anymore, and after ordering Sun Zhong to send off the guests, he also completely eliminated Huaxia Bank in his heart.

The incident itself was a big gamble.

This is true for Qin Yao.

The same is true for banks.

Since Huaxia Bank recognizes people and is unwilling to take risks, Qin Yao can't say anything more.

Thirty years in the east of the river, thirty years in the west of the river.

Don't bully the millennium poor!

"Boss, I have a suggestion that is not mature, I don't know if I should say it or not!"

When Qin Yao negotiated with Tao Zheng before, Sun Zhong was working next door, and he naturally heard the conversation between the two.

Sun Zhong was obviously also frightened.

The new boss will borrow 10 billion yuan, what will the boss do?

"If you ask me what I'm borrowing so much money for, I'm sorry I can't answer you, if it's something else, of course it's no problem!" There is no need to avoid people about the loan, so Qin Yao didn't mean to blame Sun Zhong.

He is now having a headache about this matter, and having multiple people to give advice means more strength.

Sun Zhong is a ** lake, and he knows what to take care of and what not to manage.

He suggested to Qin Yao very seriously: "If the boss wants to make leverage, there is no need to expose all the hole cards at once, throw the bait little by little, and open the eggs!"

Qin Yao's eyes lit up when he heard this, and he secretly scolded himself for being really confused.

He just wanted to use the two properties as collateral as leverage, so as to increase his weight in the bank.

Actually, that's not wrong.

However, Qin Yao obviously ignored a problem.

It's a matter of familiarity.

Of course, the bank also recognizes people when it lend, and people have never seen Qin Yao, so why believe him?

The reason why Tao Zheng refused to make a deal with Qin Yao accounted for a large proportion.

Separate the industry as leverage, Qin Yao's things are still his own, there is no doubt about it.

The most important thing is to increase the strength in disguise, even if the banks still believe that there is a risk, at least there is a possibility of negotiation.

It's not like the bankers will turn around and leave, right?

"I want to hear your opinion!" Qin Yao thought for a moment, and quickly made a decision in his heart, while shifting his gaze to Sun Zhong.

"Boss, you can remit cash flow to multiple accounts, and at the same time you can purchase a large amount of real estate, as long as you let the bank see your strength, boss, it will be much easier to negotiate!" Sun Zhong gave a solution that was not a solution.

This trip may be suitable for long-term holdings.

But for the moment, it is far from quenching thirst.

Of course, Qin Yao also knew this.

It's just that he doesn't have any good attention for the time being, although this method does not quench his thirst, it also shows Qin Yao a clear way.

Better than nothing!