"Mr. Yu Wenfei, I'm sorry......"

Manager Luo apologized and gave a general overview of the evaluation report of the bank's risk control department.

As he spoke, he carefully observed the young man in front of him, but he didn't see disappointment on Yu Wenfei's face.

The risk control level can't be passed, and Yu Wenfei has already expected it.

It's just a matter of hitting the boots now, and it's not the worst yet.

He smiled and asked, "The biggest risk that the risk control department thinks is that my income will not meet my expectations within a year." Going deeper, once I cut off the supply, I will become negative equity like many people in Xiangjiang at present, and the shops mortgaged by the bank will not be able to cover my arrears even if they are auctioned, right?"

Since the words were all spoken, Manager Luo did not hide it, and nodded frankly, "Yes, this is what our bank's risk control department thinks, so there is no way to continue this business." ”

Yu Wenfei was not in a hurry, but stared at Manager Luo and asked: "If, I mean if, I can prove that I have the ability to come up with 100 million cash within a year, can this loan still be done?"

Manager Luo raised his eyebrows, this thing is interesting.

Seeing that this young man still doesn't admit defeat, is he really confident that he can make 80 million a year?

If that's the case, it's time to re-evaluate the loan business, because the customer has proven his ability to repay the loan!

After thinking about it silently, Manager Luo still shook his head, "I'm sorry......"

Yu Wenfei stretched out his hand and interrupted him, "Is it still too risky?"

Manager Luo nodded.

Even if Yuwenfei can come up with 100 million cash within a year, Hang Seng Bank will still have to provide a loan of 900 million!

In case, although the probability is extremely low, but the bank's risk control is like this, even if it is a 1 in 10,000 probability, it must be taken into account.

In case Yuwenfei cuts off the supply after a year, and at the same time, the situation of the real estate industry in Xiangjiang is still deteriorating and the holidays are declining, then there is still a risk of insolvency.

That's not too much of a problem, because no one is going to joke about 100 million in cash.

Manager Luo thought of another possibility, which was the crux of the problem.

Take out 100 million cash within a year, this is just Yu Wenfei's verbal promise, what if he can't take it out?

Thinking about it even worse, what if this is Yu Wenfei and the owner of the shop joining hands to cheat the loan?

Although the store is now worth a billion yuan, it seems to be worth that much money.

But there is no market!

In this case, it is also possible for the owner to find an "actor" and join forces to defraud the bank of the loan.

Because Yu Wenfei only has more than 20 million yuan in his hand now, if this business is to be completed, the bank will not only release a loan of 900 million, but even the gap of more than 70 million yuan will have to help him make up for it.

Calculated as this, it is necessary to take out more than 970 million!

When the money arrives, the teenager disappears, and the owner gets a huge amount of money legally and reasonably, even if the bank sues according to the law, the result is to take back the store, so don't you have to sell it yourself, and you may not be able to sell it.

The loan becomes the owner, which every bank does not want to see.

If you look at it this way, the risk control department will still not agree to this business.

In banks, when it comes to large sums of money, the opinion of the risk control department is very important and has a lot of power.

Even if he, a senior manager of the credit department, has a lot of right to speak, as long as the risk control department does not agree, it is a veto, and it is useless for anyone to speak.

"If you can come up with 100 million cash at once, then I am quite sure that I can do this business, but unfortunately, obviously you can't take it out. Even if you have confidence, the risk control department doesn't look at confidence, they only believe in the facts in front of them!"

Manager Luo emphasized.

Yuwen Fei's heart was sinking, and the worst he expected appeared.

The banks here really don't see rabbits and eagles!

Did you just admit defeat?

No, Yu Wenfei was unwilling, the more difficult this matter was, the more it aroused the stubbornness and arrogance in his bones.

Don't you look down on me and worry that I won't be able to pay that much?

Then I have to take this loan and buy this store.

Not to prove to others, just because, what you want, you must get!

In the more than ten years of his dreams, he has won and lost, but he has never admitted defeat.

Without this momentum, he would not have been able to achieve that kind of achievement.

Now, this difficult transaction has completely stimulated Yu Wenfei's unwillingness to admit defeat.

It's time to show what you're really capable of!

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

Faced with this desperate situation, although it is winter and the indoor temperature is not high, fine beads of sweat have appeared on Yu Wenfei's back, and his close-fitting shirt is already soaked.

Yu Wenfei's mind was spinning at high speed, but his expression on his face was calm, and he still didn't panic.

He said slowly: "So the key to the problem now is how to solve the problem of this 100 million down payment?"

Manager Luo nodded.

"What if I can make you fully believe that within this year, I will definitely be able to take out 100 million?"

Yu Wenfei asked again.

This is the key to solving the problem, the bank does not believe, or is not 100% sure, Yuwenfei has the ability to solve the 100 million down payment within a limited time.

As long as this link is opened up and the bank's risk control department believes in his ability to pay, then this business can continue to be discussed.

Although he didn't know where his confidence came from, Manager Luo still replied affirmatively, "As long as you can convince the people in the risk control department that within a year, you have the ability to pay 100 million in cash, then there will be no problem with this loan!"

"Smack!"

Yu Wenfei clapped his hands and stood up, "This afternoon, it's still here, I'll invite the owner of the shop over, and the three of us will talk together." ”

Manager Luo was confused, he didn't know what he was calling the owner of the store at this time, and the bank hadn't agreed to lend it yet.

Before going out, Yu Wenfei held the doorknob, turned his head and smiled: "I will come up with a plan that satisfies both of you in the afternoon, and then, finalize this matter!"

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

Leaving the ignorant Manager Luo in the VIP room, Yu Wenfei took Zhou Mengyi straight back to the hotel.

Zhou Mengyi didn't know what Yu Wenfei had to do to reverse the predicament in front of her, in her opinion, with only a little money in her hand, it was impossible for the bank to put so many loans.

That's more than nine billion!

However, Zhou Mengyi didn't ask, she just watched silently, listened, and studied by heart.

She knows that most people will never be able to come into contact with this kind of big business negotiation site with hundreds of millions of dollars in their lives, and it is really rare for them to have this learning opportunity.

Until now, she doesn't know why Yu Wenfei insists on going her own way, no matter how difficult it is, she must take down this store.

Yu Wenfei didn't tell her the reason, and Zhou Mengyi didn't ask.

Because she believes in Yu Wenfei, she believes that he must have his own reasons.

Since they met, what Yu Wenfei has done has proved that he is not the kind of person who is irrational.

Since this is done, there must be a reason for him!

It's just that I haven't figured it out yet.

......