The amount of this transaction is too huge, and the loan amount is also very high, the credit department of Hang Seng Bank attaches more importance to it, and the senior manager of the credit department personally leads the team and sets up a special team to take the order.

In the headquarters building of Hang Seng Bank, in the VIP room of key customers, Manager Luo of the credit department and several subordinates received Yu Wenfei, Zhou Mengyi, and Ah Shui.

There is no need for Ah Shui to introduce it again, Manager Luo has already got the relevant information.

Now it is necessary to determine the amount of the loan and the related procedures.

"Mr. Yu Wenfei, how much money do you plan to borrow, in addition, the financial system of Xiangjiang is relatively strict, and the procedures may be more complicated, so you should be mentally prepared. ”

Manager Luo, who was in his early thirties, wore a straight suit and a pair of gold-rimmed glasses, said with a smile on his face.

The negotiation with the bank is the focus of Yu Wenfei's visit this time, because whether he can get enough loans is the key to whether the deal can be reached.

At that moment, he also became serious.

"Manager Luo, I may need a bit of a high amount of money for this loan. ”

Manager Luo smiled, this is normal, it is possible to borrow seven or eight billion or even nine hundred million dollars for a store of one billion Hong Kong dollars.

"It's okay, just say it, and then we'll see how much we need to borrow. ”

He said politely, and he didn't slack off because Yu Wenfei on the other side was young.

Whether Yu Wenfei is the real "gold owner" or the second generation of a certain family in the mainland, he doesn't want to offend, and there is no need to offend.

Yu Wenfei frowned slightly, and said frankly: "I only have a total of 25 million yuan in my hand now, and all the missing amount needs a loan. ”

Manager Luo was stunned, and after he understood Yu Wenfei's words, he almost didn't jump.

However, his high enough cultivation allowed him to control his emotions, but the smile on his face faded a little.

"Mr. Yu Wenfei, you're not kidding!"

Manager Luo's tone was slightly accentuated.

Yu Wenfei spread his hands and smiled, "Although I don't have enough funds on hand now, please believe that Manager Luo has enough ability to repay the loan." Now that I'm meeting with you, I just want a professional like you to help me make a reasonable and feasible loan plan. That is, with so much money on hand, what conditions do I need to get this deal done!"

Seeing that Yu Wenfei was not in a hurry, and didn't seem to be joking, Manager Luo also calmed down.

"Mr. Yu Wenfei, could you please tell us more about your situation, especially in terms of assets. If you have enough assets and a stable and abundant income to support the loan, but you don't have that much cash in hand for the time being, it is not impossible to talk about it. ”

This is also in Xiangjiang, a place where the financial industry is highly developed, are all commercial banks, as long as the risks are controllable and the profits are sufficient, there is nothing that cannot be discussed.

If he was in China, Yu Wenfei would not have gone to the bank to talk at all, because he knew that it was impossible to get a loan!

"I don't have any business in the country, oh, a few days ago there was a stake in a company that I sold off. Actually, I'm a writer......"

With Yu Wenfei's words, Manager Luo's mouth opened wider and wider, and Ah Shui, the real estate agent next to him, was about to fall off when he heard it.

They always thought that Yu Wenfei was the second generation of a big family, and he came to buy a property on behalf of the family.

After doing it for a long time, it turns out that this is not the rich second generation, but the rich generation!

But it's outrageous.

A sixteen-year-old high school student earned more than 20 million yuan by writing books?

Moreover, after earning so much money, I am not satisfied, and I still want to rely on more than 20 million to buy a shop worth one billion!

Are all young people in the mainland so good?

Manager Luo was quickly weighing in his heart, if what the young man in front of him said was true, then it was not impossible.

The first book earned more than 20 million yuan in just half a year after it was released, and soon the second book will be published.

According to this trend, the second book should not sell badly, and with the continuous follow-up royalties of the first book, the annual income is still quite considerable.

After speaking, Yu Wenfei showed his ID card, the publishing agency contract he had signed with the Commercial Printing House, and of course, his bank deposit certificate.

After seeking Yu Wenfei's consent, Manager Luo made a copy of the relevant information after verifying the authenticity.

"Mr. Yu Wenfei, please understand, this matter is beyond my scope of authority, I need to report to my superiors, in addition, the risk control department needs to do a relevant investigation and give opinions. So, that's all I can talk about today. Of course, I will urge the relevant departments to hurry up. ”

Yu Wenfei expressed his understanding and took Zhou Mengyi back to the hotel.

As soon as she stepped out of the office gate, Zhou Mengyi asked worriedly: "Is this reliable, I feel that the bank is very cautious, and it may not be ......."

"No, I understand these commercial banks, as long as they are profitable, they will not give up!"

Yu Wenfei said confidently.

This is the difference between commercial banks and state-owned banks.

Although both focus on risk control, there are special circumstances that allow them to put their risk control down temporarily.

For state-owned banks, power allows them to ignore any risks.

For commercial banks, a large enough profit can also allow them to put risk control in the second place.

Yu Wenfei has no power, but he can give enough temptation and profit.

......

Hang Seng Bank is really efficient, and it only took one day for their risk control department to investigate Yuwenfei's details and give an evaluation report.

In the report, the risk control department optimistically but cautiously stated that Yu Wenfei's current status in the domestic literary circle, especially in the minds of young boys and girls.

After the publication of his second book, he will achieve no less than the sales of the first book.

In other words, in the next year, Yuwenfei is expected to have 30 million to 50 million inputs.

This includes royalties for new books, as well as subsequent royalties for old books.

However, even so, the risk of this loan is still huge, because it means that Yu Wenfei can only come up with a maximum of 80 million, or even a down payment of 50 million, and the bank needs to borrow more than 920 million!

In view of the current market situation in Hong Kong, even if the price of the shop has been firm, the market value of this store is likely not to rise in the next year, and may even fall by about 10% at most.

In this way, once Yu Wenfei repays the loan, the bank will take back the store, and it will still be insolvent!

In the end, it is not recommended to do this business......

If the bank didn't lend, then Yu Wenfei's plan to buy the store could only be abandoned, because he had no other way to raise so much money.

The situation is critical and on the verge of despair!