Liu Tao lowered his head and swept his eyes, and his heart, which was originally a little slack because Wang Liu said that he had no assets, became solemn again.

After picking up the confirmation and reading it carefully, he pondered for a moment and said, "Sorry sir, if I read it correctly, this is just a confirmation letter, not a land transfer contract, which means that this land is not yours yet?"

Moreover, the contract shows that the total price of your land is only 264,000, according to the mortgage regulations of our bank, even if you take this land as collateral, we can only lend you 70% of the total value of this land at most, that is, more than 180,000 yuan.

If you want to borrow 300,000 yuan from our bank with this confirmation letter alone...... To be honest, it's almost impossible. ”

Wang Liu smiled, didn't hide it, and simply said: "You guessed right, this land really doesn't belong to me yet, I just won the bid, and I don't have the money to pay the land price, so I came to you."

The land price is indeed only 260,000, but the total value of this land is far more than that, you can take a closer look at the contract, it is very clear that this land is residential land, with an area of 11,040 square meters and a plot ratio of 1.5, that is, the total construction area of this land can reach up to 16,560 square meters.

What is the housing price in the county, I think you, as a bank manager, must know better than me, even if it is calculated according to 100 yuan per square meter, the total value of this land is more than 1.65 million.

And the housing price in the county is more than 100, and the value of this land is far more than 1.65 million, and I only borrowed 300,000, how can it be considered a high-quality loan, right?"

Liu Tao frowned and said: "According to the housing price, the valuation of this land can indeed reach several million, but the premise is that you can successfully complete the development."

How can you guarantee that our bank will lend you 300,000 yuan, and you can successfully complete the development of this land?

In other words, how can you guarantee that the 300,000 yuan we lent you will be recovered smoothly in the end, instead of becoming a bad debt?"

Wang Liu said with a smile: "They are all adults, don't you think it's naïve to guarantee something? No matter how beautiful I promise, if I can't get it when the time comes, it still won't be enough."

And you're not going to lend me money because I'm guaranteed to be beautiful, are you?

In business, I think it's better for us to be straightforward and talk about the risks and benefits. ”

Liu Tao agreed: "You continue." ”

Wang Liu smiled: "First of all, I can add ten points of interest to borrow this money, promise to repay it in one year, and the bank can set up a special account to supervise the use of this money."

Secondly, when I get the money, I will pay the land price, and after handling the land use certificate, I will hand it over to your bank as collateral, and I will not introduce the specific development process, if the loan is not repaid when due, the bank can freeze the account and use the land and the attached building as a repayment.

In this way, the risk you have to take is basically negligible.

Finally, as a practitioner in the banking industry, Manager Liu is certainly no stranger to the personal housing loan policy just introduced by the state, and ICBC is also a state-owned enterprise.

What does the introduction of these two policies mean, Manager Liu should be able to understand after thinking carefully that this is an absolute benefit to the real estate industry, and the market that has been in the doldrums for several years will soon usher in take-off.

And the price of land, which is the basis of real estate, will definitely skyrocket.

Take the land in your hands, if I really fail to repay the loan on time, this land is yours, and you can make a steady profit just because of the value-added fee.

If you can hold the ground in your hands for a few years, I think what you will have to worry about at that time is not whether you can recover the money, but whether you will be too sad if you have to pay too much VAT. ”

Liu Tao's eyes flashed when he listened, obviously moved, his original frowning brows had already stretched, and his face gradually smiled when he looked at Wang Liu: "You are very confident in your analysis." ”

"Of course. ”

Wang Liu said without modesty: "You can seriously consider whether what I said makes sense, and then decide whether to lend me money or not." ”

Liu Tao nodded, thinking secretly.

Wang Zhixin next to him was dumbfounded, his heart is really a liuzi, this mouth can blow, just more than 260,000 pieces of land, and when he turned his head, he blew it into millions, more than ten times.

Obviously he came to borrow money, but listening to the meaning of his words, how did he become a charity?

The opportunity to lend money has been given to you, so you can think about it if you can grasp it.

The most important thing is that looking at the expression of this Manager Liu, he really believes it.

No wonder the rogue doesn't want to rob the bank, this is too inefficient, with this mouth, just let it go and blow it, the speed of money is much faster than robbing the bank, and it is safe.

Wang Zhixin secretly thought to himself, and the admiration for Wang Liu in his heart suddenly began to gush like the water of the Yellow River.

Liu Tao thought about it again and again, and came to the conclusion that it was feasible, and said with a smile: "I have to say, your vision is very unique, and your analysis is very reasonable, but the amount of 300,000 is indeed a bit large, I have to ask the president for instructions, and then I can give you the answer." ”

Wang Liu nodded: "Manager Liu, please." ”

"Wait a minute. Liu Tao didn't delay any longer, dropped a sentence and got up and went out.

As soon as the people left, Wang Zhixin couldn't wait to say: "Liuzi, do you think their president will agree to give us the money?"

"I don't know. Wang Liu said casually, and then said lightly: "However, if he is not stupid, it should be fine." ”

First, he didn't lie, the analysis just now was all true, not that he boasted, although he had no money or assets in his pocket, he was definitely a high-quality customer.

Second, as far as he knows, banks have monthly lending requirements, and there are a large number of consumers and corporate customers in big cities, so it is not difficult to complete the task.

But in this poor and remote area of his county, the vast majority of the population is farmers like him, and it is difficult to make money, let alone spend money, and there is basically no hope for them to take out loans, and there are few enterprise users in the county.

Now there is a high-quality customer like him who takes the initiative to send it to the door, not only to make money, but also to complete the loan task, the best of both worlds, and a fool will not do it.

But the world is so unpredictable, Liu Tao, who was quite moved when he left, came back with a sinking face after asking for instructions.

Wang Liu's heart jumped, did he really let him run into a fool?

He frowned and said, "What, doesn't the president of your bank agree?"

Liu Tao smiled dryly: "That's not true, it's just that according to the regulations of the industry, if you want to take out a loan, you must provide reliable collateral, and your confirmation is not very credible, so it is not in line with the rules of the industry to lend, so ......"

What's the difference between that and rejection? To put it mildly, let me know that it's hard to retreat?

Wang Liu thought depressedly, and didn't go to death to beg for mercy, obviously he was persuaded to retreat, and why was he going to ask for it?

He said in a stiff tone: "Since that's the case, then I won't bother." ”

Xu really didn't want to let go of such a big customer, Liu Tao hurriedly said: "You can go back and think about whether there are any forgotten assets, as long as you can get the collateral, we are still happy to lend you money." ”

Wang Liu nodded and took Wang Zhixin away.