", the loan is done!"

Dad Zhou looked excited, and then worried.

Zhou Fangyuan was very calm, he knew that there would definitely be no problem with this loan, and the bank would definitely pass it, but he couldn't be excited about the answer he had already known.

"Oh, that's good, how much are you going to borrow? Dad, Mom, I can tell you, let's either not move, or if we do, we have to make a bigger move, otherwise we will waste this opportunity, and there is no point in it......"

"Ten million!"

"Well, a thousand...... Wan?!"

Zhou Fangyuan didn't care much about it, but when the number was repeated from his mouth, he reacted suddenly, and then looked at his father in disbelief.

"Dad, aren't you kidding me, did you really borrow 10 million?"

"Of course it's true, the materials have already been handed in, and Section Chief Zhang promised to give me a special approval and pass the review as soon as possible......"

Dad Zhou's speech was much faster than usual, and it was obvious that he was really excited now. But his legs are shaking, which also proves that he is very apprehensive in his heart, after all, 10 million is really not a small number, put it half a year ago, such a number may only be able to listen to it, but now this money is about to go to their hands, I am afraid that anyone will be excited with apprehension, and anxiety is mixed with excitement.

"Dad, can you tell me what you think? Didn't you all want to borrow 5 million before? Why do you dare to borrow 10 million now?"

Zhou Fangyuan put down his schoolbag, walked to his father and sat down, reached out to press his trembling legs, and at the same time gently stroked his father's back twice with his right hand, Zhou's father's mood really calmed down a little.

Actually, in fact, this is also the result of Section Chief Zhang's persuasion. I was really worried at first, but he also said that the loan can be deferred, and I don't quite understand what it is called a loan extension, in short, Section Chief Zhang said that if you can't repay the money at once for various reasons, you can apply for an extension of the repayment period, as long as the bank can be sure that we have the ability to repay, then you can handle the repayment extension.

By the way, smash, how long do we have to take out a loan, Section Chief Zhang said, if we need it, he can apply for a long-term loan for us, if it is a long-term loan, this repayment deferral can be increased by three years......"

"Look. ”

Zhou Fangyuan smiled and shook his head, "Dad, I think that our loan for one year is enough, and even if we don't have enough money for a year, an extension of one year will be enough to make up the money." Of course, being older also has the advantage of being older, although the interest rate is higher, but we have more time to work capital, and the 10 million loan is in our own hands, we can do more things to make more money...... In short, you decide the time of this loan, short, medium and long-term, each has its own benefits, you can discuss it with your mother. ”

That being said, Zhou Fangyuan knows that with the character of his parents, he will inevitably choose a long-term loan, and he may deliberately postpone repayment when the time comes, the reason is very simple, they are trying to do things steadily. It is better to increase the interest rate than to extend the time, so that in a single year, they will need to pay back much less money, and the pressure will be reduced to the limit at once.

Zhou Fangyuan didn't make any statement about this, and his parents should make up their own minds, anyway, it's just an innocuous matter.

And he didn't guess wrong, sure enough, when Zhou's father went to the bank again the next day, he set the loan time to five years, and at this time, the long-term loan interest rate of CCB was 7.56%, which means that Zhou Fangyuan and they borrowed 10 million for five years, and the annual interest was 750,000, which was less than 4 million in five years. In other words, after five years, they will have to pay back 14 million to the bank.

That's already good, right? Five years, 10 million, how much profit can be made. Is it really nothing good to have a mere interest of four million? And for a fast-food restaurant like Kinbolo, which can be called an environmental industry, four million is really not a big deal.

So Zhou's father finally made a decision to borrow 10 million for five years!

Section Chief Zhang is also very happy, or he has been looking forward to such a high-quality loan customer for a long time, and the two sides hit it off.

The loan is very smooth, and the payment can be made within three working days, even if there are a lot of bad debts in the bank now, but this does not mean that the bank has no money, the bank has money, but sometimes in order to reduce the amount of money in the market and ensure the stability of the financial system, they will occasionally tighten the monetary system. But for a quality customer like Kim Polo, that's all right. And Zhou Fangyuan's Uncle Zheng Xinzheng can also gain a lot from this, at least in his file, he can add a good sum of money.

After returning home, the three members of the Zhou family naturally raised their glasses to celebrate, but they didn't dare to make a noise, after all, it was related to tens of millions of money, and if they didn't do well, their family would be targeted by someone with a heart, so they could only endure it and quietly celebrate at home.

Three days later, 10 million yuan arrived, and Zhou's mother immediately started to act, and there were as many as a dozen villagers who had negotiated before that were willing to sell their land. Zhou's mother and Zhou's father cooperated with each other and began to quietly make deals with these villagers.

There is another advantage in this era that later generations did not have, that is, many laws are not perfect, and the supervision is not strict enough, and there are many loopholes that can be exploited. Even after more than ten years, there are still people who can exploit loopholes in the law, and the key is to see if you have the ability to exploit loopholes. Being able to get into it without being held accountable is not something that can be done with money, it has to be related.

The relationship between the Zhou family is not bad, so according to Zhou Fangyuan's thoughts, there is actually no need to be so cautious.

But my parents were worried that something would go wrong and insisted on coming quietly, Zhou Fangyuan couldn't say anything about it, they could do whatever they wanted, he couldn't take care of everything.

There are hundreds of villagers in Xingwang Village, with about 2,000 acres of farmland and about 100 acres of river beach land. Therefore, in Beitong City in this era, cultivated land was not worth anything at all. Of course, if it is good farmland, it will be more expensive, but to be honest, the river beach is relatively poor. The main reason is that the Ganhe River has now become a stinky ditch, it is completely impossible to engage in breeding, and the river beach has a large amount of water, Beitong is located on the Loess Plateau, and the crops are relatively drought tolerant and do not like water, so the river beach can only grow vegetables or something. Compared with really good arable land, it is still a lot worse.

So the Zhou family spent a few dollars to buy almost the river beach land in Xingwang Village. There are only two or three families who are unwilling to sell, and if they are unwilling to sell, then forget it. The criterion for the Zhou family to buy land is that you are willing to do it, and if people are not willing to sell it, they can't force it.

After buying the land, you are buying a house, which is more difficult. After all, with the homestead and buildings, a set sells for tens of thousands of yuan, just enough to buy a very small square meter house in the city. All of a sudden, there was no yard, and the area of the house was much less, so many people were reluctant to sell their houses at first.

In the end, Zhou's mother gritted her teeth and directly raised the price a little, according to square meters, even the house with a yard, as long as it can reach 100 square meters, a set of 70,000 yuan. And which one in the countryside has no yard, so the price of a house they buy is basically 80,000 yuan or more. However, the effect of this is also obvious, in just three days, more than a dozen villagers agreed to sell their houses, and the two sides quickly completed the transaction and reported to the village committee.

In this way, the Zhou family's actions were naturally seen by those who cared.

This includes Liu Lao Wu.

He did hear some rumors from some special channels, and he was originally going to quietly buy one or two sets to test the water, but who knew that he had just started a set, and he was approached by the seller, that is, the third brother. Although this matter was finally settled, he knew at that time that maybe there was something to say about it.

As a result, within a few days, the Zhou family began to buy houses and land in large quantities, and the action was so big that in about a week, they swept the river beach land in Xingwang Village, and the homestead also started with more than a dozen pieces, which can be said to be the largest land transaction in Xingwang Village since the establishment of the village. As a result, when he wanted to make a move, the Zhou family had already raised the price, and there was no more river beach land, so he could only buy a homestead if he wanted to buy it.

This Liu Lao Wu just got some money, but it was only a small number, he was bankrupt and could only buy three or four sets, but he was suddenly given by the Zhou family and didn't dare to make a move.

And the Zhou family spent such a large amount of money, few people in Xingwang Village couldn't notice it, not to mention that there were still a few big mouths in the village committee, and these few people were enough to shout about this matter all over the world.

At first, Zhou's father and mother were still a little apprehensive, but as time went by, they found that everyone was just discussing this matter, and no one interfered. So they completely relieved themselves, and raised the price of 100 square meters by 5,000 square meters, and as a result, more and more houses were purchased, and soon more than 20 households, and the total area of the homestead had exceeded 3,000 square meters.

There are also good people who come to inquire about the situation, but the Zhou family has already unified their voice.

Buying land is to integrate the land and use it to grow vegetables on a large scale. Now the golden polo is very popular, and the amount of food used every day is huge, so this reason is completely reasonable. As for buying a house, the family discussed it for two days, and finally unified that they wanted to build a big villa. This is also normal, I have money, I want to enjoy life, I don't have enough to live in a small courtyard, I want to change to a super large villa, and there is no law in the country that does not allow this, so this reason is enough to block everyone's mouths.

It's just that in this way, the Zhou family seems to be a little burnt, as if they don't know how to spend their money. In the long run, there is no doubt that they will be labeled as an "upstart". But what can be done? There has to be a reason to justify it. And who knows what the situation of the Zhou family will be in the future, what others like to say, they have now passed the stage of caring about other people's opinions.