Back at the hotel, Yu Wenfei dialed the phone of real estate agent Ah Shui and asked him to make an appointment with Uncle Li and go to the headquarters of Hang Seng Bank in the afternoon to finalize the loan.

Ah Shui asked in surprise on the phone: "The loan has been released?"

Yu Wenfei said calmly: "You can release it in the afternoon." ”

What he said couldn't be considered a lie, because Yu Wenfei was very sure that he would be able to persuade the owner and the bank to accept his plan in the afternoon!

Uncle Li was also very happy to receive a good news call from Ah Shui.

Finally, the shop was sold at a satisfactory price.

One billion is enough to solve all the problems of your company.

............

In the afternoon, it was still the VIP room of Hang Seng Bank.

Manager Luo and his subordinates, Uncle Li, Ah Shui, Yu Wenfei, Zhou Mengyi, and several people gathered together.

"Manager Luo, when will that money come down, and my company is in urgent need of it?"

As soon as they met, Uncle Li asked impatiently.

Manager Luo was stunned, "What kind of money? The loan hasn't been approved yet!"

Uncle Li was dumbfounded, what is the situation, why did he call himself for the loan without approval?

He looked at Yu Wenfei angrily.

Yu Wenfei sat there calmly, and said with a smile: "I have a plan now, let's see how it goes." If you can, settle the deal today. ”

Hearing that Yu Wenfei was going to talk about his plan, everyone fell silent.

"First of all, everyone here wants to make this deal smoothly, right?"

Several parties involved want to make a deal, which is the premise.

Without this premise, there is no need to mention the subsequent plan.

Yu Wenfei smiled and looked around.

The real estate agent Ah Shui nodded desperately, Uncle Li nodded heavily, and Manager Luo also nodded slightly.

It's clear that a deal can be done, and it's good for everyone.

Ah Shui can get a lot of commissions.

And Uncle Li successfully got a huge amount of money to save his family's company.

Manager Luo has made a big business, which is also a big achievement.

Of course, everyone wants to get a deal done.

"Since we all want to make this deal, let's show a little sincerity. I'm going to pay 20 million now, and I'll put this money in the bank as a deposit. This is my sincerity. ”

As he spoke, Yu Wenfei held up a finger.

"Uncle Li, for the time being, put the store title certificate to the bank. In addition, if you contact the intended tenant, you can notify them to come and sign the contract, how much is the rent?"

Yu Wenfei raised a second finger.

"The other party quoted 1.5 million per month, which is not a high price, and it should be able to talk about more than 1.8 million. Uncle Li replied.

"Promise them, but not for a long time, three years at most. It is required to pay the rent on an annual basis, which is 18 million Hong Kong dollars a year, and this money, plus the lease contract, is also paid to the bank. Add my 20 million, and that's 38 million. ”

"Manager Luo's side, the repayment method of my loan must be interest first and principal later! But let's sign a tripartite contract first, and the contract can state that your bank will lend 500 million yuan to Uncle Li first. After I make up the down payment of 100 million, I will release the remaining 400 million loans and my 100 million, and then it will be officially disbursed. With 38 million in cash and the mortgage of the store's title certificate, it should be enough to apply for a loan of 500 million yuan first. ”

Yu Wenfei held up a third finger.

Manager Luo nodded again and again, there must be no problem, so many mortgages, and a loan of 500 million can be said to have no risk.

As for the repayment method of interest first and principal after principal mentioned by Yu Wenfei, as long as the collateral is sufficient, there is no problem.

Hearing this, only Uncle Li was unhappy, "I only got 500 million, why should I hand over the property right certificate?"

"Don't panic, it's a one-year term. I'm going to make up the down payment of 100 million! Clearly, it's a year at most, maybe I'll raise enough money in two or three months. At that time, the final payment of 500 million yuan will be paid to you immediately, can Uncle Li wait? Of course, I will make up the 500 million interest to you. ”

Turning his head to look at Uncle Li, Uncle Li frowned and thought about it, he could get 500 million immediately, and he could also solve his urgent needs.

Then wait for a year at most, and the balance will be all in hand, which is no problem, so I nodded and expressed my approval.

"What if you can't take out 62 million within a year? No, it's more than 60 million, plus the interest that should be repaid in the first installment of 500 million, it's more than 70 million!"

Manager Luo asked.

"If I can't come up with the money, then the store title certificate in the bank will be returned to Uncle Li. The rent of the shop is 18 million, of course, it is also Uncle Li's. The loan and interest of 500 million yuan will be borne by Uncle Li. He can return the original amount, or count his own loan, that's a matter between you. ”

"My 20 million deposit, you both share it equally!"

In the last sentence, Yu Wenfei said in an accentuated tone.

Uncle Li and Manager Luo looked at each other, neither of them expected that Yu Wenfei would come up with such a plan.

This plan is a bit complicated, and the two of them were silent for a while, and they began to think about whether they could accept it or not.

......

On Uncle Li's side, if Yu Wenfei's fundraising goes well, he will get 500 million first, and the remaining 500 million will be obtained in a year at most, and he can get an additional amount of interest, which is not a loss.

But when you think about it, it doesn't seem to make much money.

I can only say that I can accept it.

However, in this current market, the shop can still be sold at a price of one billion, which is itself profitable!

If Yu Wenfei's fundraising does not go well, then he will waste a maximum of a year.

He got a loan of 500 million yuan first, and he was able to cope with the difficulties on the company's side.

The shop was not empty, and it was also rented out, in addition to the rent, he also got Yu Wenfei's compensation of 10 million, and he didn't have any loss.

After all, the store has been listed for a few months, and only Yu Wenfei is the one who is really interested and can accept a billion offer.

After thinking about these things clearly, Uncle Li nodded happily and said, "I have no problem, I can accept this plan!"

......

What about Manager Luo's side, first of all, the 500 million loan will be released, there is no risk, and it is acceptable.

Within a year, if Yu Wenfei raised enough money, it proved his strength.

Then lending another 400 million is still not risky and acceptable.

If Yu Wenfei can't raise money, in addition to the owner of the store taking on the loan, the bank can also get a deposit of 10 million for nothing, and he will make it!

From the point of view of his credit manager, this loan can be done!

But Manager Luo was more cautious and did not agree.

Instead, he said: "In this way, wait a while, and I will immediately go to hold an emergency meeting with the risk control department to discuss Mr. Yu Wenfei's new plan." ”

Yu Wenfei nodded, indicating that he could wait for a while.

Manager Luo got up and left in a hurry, and several people in the room chatted one after another.

"It's amazing! When I'm your age, I'm still doing odd jobs on the construction site! You're going to buy a billion dollars in industry. ”

Looking at Yu Wenfei, Uncle Li gave a thumbs up and praised sincerely.

Yu Wenfei shook his head and smiled bitterly, "Uncle Li, the 100 million down payment has embarrassed me like this, and I have a headache when I repay the loan later." ”

"Haha, since you dare to buy it, you must have confidence in your heart. ”

Yu Wenfei did not deny this, although he was not very old, he was obviously not stunned.

Since he took this shop, he has already considered the subsequent repayment.

In the face of all the difficulties, why do you have to win this store?

Others don't understand, but Yu Wenfei's own thinking is very clear.

How much can you do with 20 million cash?

Of course, there is a lot of money, but in Yu Wenfei's eyes, it is still a small fight.

If his plan goes well, this money will provide him with a big enough stage!

On this big stage, he can show his talents!

Others only saw that he was working hard to buy a shop, and the price was still a bit high.

Maybe behind his back, he still laughed at him.

But the bird knows the ambition of the bird!

What he is thinking about now, others don't understand......

............

About thirty minutes later, Manager Luo pushed the door open again and walked in.

"Our risk control department came up with the final opinion and agreed to this plan in principle, but made slight adjustments. You see, this is the final condition of lending, and it can't be changed!"

He emphasized, and then pushed a document in front of Yu Wenfei.

Yu Wenfei picked up the document, and as soon as he glanced at it, his brows furrowed.

This requires......

It's a bit harsh.

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