The bank's risk control department issued a suggestion that there was no problem with the loan amount, and the tripartite contract was 500 million yuan first and then 400 million, which was considered to have agreed to Yu Wenfei's proposal.

As for interest before principal, 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 and principal later, the annual interest of the 900 million loan is 53 million, or nearly 4.5 million per month. After ten years, the principal is paid off in a lump sum.

However, the most critical one is to change the one-year time promised by Yuwenfei to half a year!

Don't look at the difference between the words, the difference is big!

In half a year, a down payment of 62 million was raised.

Add 12.5 million yuan in interest for half a year on a loan of 500 million, a total of 74.5 million!

It's a bit difficult, to be honest.

However, Manager Luo emphasized just now 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 on the Hang Seng side, and if you change to a second bank, maybe the conditions will be even more harsh.

So, can you earn more than 70 million in half a year?

Yu Wenfei thought about it carefully for a while, and in the end, he nodded.

On this condition, sign the contract!

The dust settled, and Yu Wenfei became the "nominal owner" of this Causeway Bay shop.

As for the miscellaneous procedures, all the procedures were handed over to Hang Seng Bank and intermediary companies.

Capitalism is good here, as long as you are willing to pay for it, there is nothing that cannot be done!

Things like the placement of the store in the name of a company and how Yu Wenfei's money was transferred from the mainland to Hang Seng Bank were handled by professionals from World Union Properties and Hang Seng Bank.

They can also make a lot of money from this deal, and of course they have to contribute.

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

The bank loan is approved, and the property rights of the store are in hand.

However, this is just the beginning.

Next, Yu Wenfei found another agency and registered two companies.

The first is a capital management company registered in the Cayman Islands, named "Red Stone Capital Management Company", English name RED STONE, referred to as "RS".

The reason why it is registered in the Cayman Islands is, of course, that the tax is low here, and the shareholder information can be hidden, and others basically cannot find it.

This company is fully controlled by Yuwenfei.

Main business: investment, finance, asset management.

The second company, registered in Xiangjiang, is called "Knorr Commercial Co., Ltd."

The controlling shareholder is "Redstone Capital", accounting for 95% of the shares. Minority shareholder Zhou Mengyi, accounting for 5% of the shares.

The property rights of the newly bought shop are hung in the name of this "Knorr Commercial Co., Ltd."

Zhou Mengyi, as the legal representative and general manager of this company, is also an authentic 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 shop was still in his place.

Seeing Yu Wenfei's series of operations, Manager Luo had a faint idea 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 settling your shop under the name of this company and registering two companies in a row? How convenient it is to handle it directly under your personal name, and it saves a lot of procedures and costs. Is it convenient to say?"

Yu Wenfei smiled slightly, 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 3 million Hong Kong dollars.

Pre-tax, of course.

This income can also be called the elite of the elite in Xiangjiang, the real golden collar!

Although Manager Luo was a little proud in his heart, his face did not show it, and he just replied calmly: "It's okay." ”

Yu Wenfei asked again: "At present, I only have more than 20 million Hong Kong dollars in my hand, and Manager Luo also knows it, so if I want to hire a talent like Manager Luo, will you consider it?"

Manager Luo was stunned, don't be kidding, he only has 20 million in his hand and wants to hire an elite with an annual salary of several million, how is that possible!

Although he didn't answer, the look on his face said it all.

Yu Wenfei smiled and continued to ask: "Then what if it is a rich man with a billion assets under his name, he wants to ask you to help him do things." ”

Manager Luo roughly understood what Yu Wenfei meant, he had one billion assets under his name, and he also owed a large loan to the bank.

However, if such a person wants to invite himself, then it is a different concept, and he will think about it himself, and then politely refuse.

After all, a billion-level billionaire, even if he doesn't need to flatter, he will never offend him, and he still has to give face.

"What if it's a new company with a market value of more than one billion? I want to hire you as an executive of the company, and there is hope for listing and shares in the future. ”

Yu Wenfei asked again.

Manager Luo's eyes widened, and he finally understood what Yu Wenfei meant!

It is also a billion assets, but there is still a big difference between it in the name of an individual and the name of a company.

I have a billion real estate in my name, but I still have a loan, although I am already considered a rich man, but following such a person, many people will still feel unsafe and risky.

But when I changed to the company name, it felt different immediately.

A start-up company with billions of fixed assets, so that anyone who comes to see it will feel that this is a very powerful company!

With so many assets just starting out, the future is promising......

I'm afraid it's not that simple.

Manager Luo thought about it a little deeper, his scalp was a little numb, and dense beads of sweat appeared on his forehead.

Because he found that Yu Wenfei's operation was really like magic!

At the beginning, when the two met, Yu Wenfei had more than 20 million in his hand.

This amount of money is nothing to Manager Luo, it is just his salary for a few years, and he believes that he can earn so much money.

Therefore, in the face of Yu Wenfei, he felt that he was not a head shorter, and his status was equal.

However, after a series of operations, Yu Wenfei used the limited funds of more than 20 million yuan to transform into a big boss of a company with assets of more than one billion!

Looking at Yu Wenfei now, he already needs to look up......

And in the whole process, the money in Yu Wenfei's hands is still only so much!

This......

That's magic.

For a while, I looked at Yu Wenfei again, and I was shocked!

This is definitely an unborn genius, only seventeen years old, he is as heavy as a light, talking and laughing and playing with the more than 20 million funds!

Manager Luo graduated from an Ivy League school and also studied MBA, which can be regarded as an elite education for many years.

During the whole process of Yu Wenfei, he didn't notice anything unusual.

It wasn't until today, after Yu Wenfei said those words himself, that he suddenly realized.

He finally understood that this was the difference between himself and the real boss.

Even if he usually prides himself on being an elite, he is still too much worse than a real business tycoon.

It's not the gap in academic qualifications and knowledge, it's the way of thinking.

He had been pondering what the way of thinking of a real boss should be.

So today, he can be regarded as experiencing it firsthand.

Yu Wenfei's way of doing things is the most typical way of thinking that only the biggest bosses have!

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