London, the name of the city, Arthur first knew it when he was a child, or through the "Sherlock Holmes Detective Episode" TV series in the early 90s. The imprint left on him was the continuous gray rain, and the cold light in the fog at the mouth of the alley.

Under the street lamp, there is a reflection of a black back walking on a gravel road with a cane, a top hat and a cloak, and a thief with a ragged head and a thief. There was no sun, but muddy streets, dirty, and the evil old society should be like that.

In the N years after growing up, I didn't expect him to come to London in a time-traveling way, and at the same time shatter the imprint of many stereotypes.

It's not just rainy days, but also blue skies, with large clouds sweeping over Big Ben's spire. The famous 18th-century Royal Deer Hunting Ground in Hyde Park is a showcase of luxury in London, where land is at a premium.

Emerald green, clear blue and white clouds form a comfortable and beautiful picture. The former industrial revolution has brought it pollution away, and the "fog capital" has become a thing of the past. The sky is no longer gray and drizzling, and the streets are no longer wet under your feet.

In early autumn, on a warm and sunny morning, Arthur wore a well-fitting and straight suit, a white shirt, a blue tie, a pair of black leather shoes, a pair of gold-wire glasses, and a complete business elite style, where there is still the slightest trace of street gangsters.

I'm afraid that even if he passes by those fox friends and dogs in front of him, they won't recognize themselves.

Arthur followed James lawyer and financial advisor Robert Lang as he stepped on the stone steps and walked into Santander in London, looking at his own reflection in the bank's glass door.

For him, everything in the past is already a matter of fact, and he didn't think about going to the streets again, and he lost his original mobile phone, so all the memories of the predecessor London were deliberately lost by Arthur, and his world was different!

Walking into the Santander lobby, Arthur and his party were greeted by the bank credit manager who had been waiting for a long time to the VIP room on the second floor.

"Your Lordship, I'm sure you know the specific situation, at present, all banks have become more cautious in lending after suffering huge bad debt losses, and the lenders are more scrutinized, and we can reduce the two-year fixed loan interest rate to 1.66%, which is already very sincere.

At present, the prospect of the real estate market is uncertain, and the value of the land is also shrinking severely, although our bank is very interested in your loan project, but we will take a lot of risk to really take a loan according to the asset appraisal amount you submitted, so I hope you can understand the difficulties of our bank. ”

Hearing this, Arthur had to sigh that the other party could speak, at least this service attitude was really good, there was no sense of superiority that was high and ignored, which made people sound very comfortable, and indeed had a kind of concept of harmony and wealth.

However, it sounds good, but the truth of the matter is not necessarily that way, the banks have indeed become cautious in lending, but on the other hand, the large bailout funds have made them very well-funded, and the banks are also very keen to increase the level of mortgage lending and use their savings. However, he is not very keen on real estate and land mortgages.

Moreover, Arthur believes that even if banks reduce prices to 1.66%, they can still get a 10% return on loans, which is much lower than before the financial crisis, but still exceeds the sluggish earnings of most big banks in the past two years.

Arthur can naturally understand the idea of the bank wanting to lend a little less money to reduce his own risk, and at the same time want to charge interest to make himself profitable, but understanding is understanding, for him, it is not so good.

"If we insist on following the asset appraisal data submitted by us, how much can your bank lend us at most?"

"70%, based on the total assets of £40 million, we can only lend you £28 million. ”

The other party replied very quickly and without the slightest hesitation. This made Arthur frown slightly, and after a moment of silence, he looked at the other party, shook his head and said: "Seventy percent is too little, this cannot meet my psychological expectations, I believe that your bank should have reviewed the information of the manor, the profitability of the manor is very stable, in addition to the fixed farm rent, there are also agricultural subsidies from the European Union, I believe that these are enough to ensure the ability to repay the loan."

I'm a writer myself, and I've just signed two contracts, one of which sold for £750,000 and the novel will be published in the near future, and the other has been published in the near future with the famous multinational publishing group Random House. So you don't have to worry about my ability to repay!"

As soon as these words came out, the expression on the face of the credit manager named Jerry Jones changed slightly, and he looked at Robert Lang, the financial advisor who had been negotiating with him, with some suspicion, as if to ask again, why haven't you heard about it before?

"I'm sorry, these two business cooperation have just been reached, but it is true that as our boss said, the last thing you have to worry about is our boss's ability to repay, because our boss is an absolute high-quality customer. Robert Lang spoke, clearing up the other's doubts.

"That's it... After listening to the explanation, Jerry Jones couldn't help frowning slightly, and after a while, he looked at Arthur and asked with a smile, "Your Excellency, what is your mental number?"

"If I could, I'd like £40 million, after all, my estate is worth over £40 million. ”

"I'm sorry, Your Excellency, this number will definitely not pass, the risk is too great, 75%, what do you think?"

Arthur smiled and shook his head, he didn't want to test each other with the other party little by little, and set his eyes on his financial advisor, this kind of bargaining thing should be left to his subordinates.

"It's too low, it's too different from the appraised price of our estate, we obviously suffer, ninety-five percent, I believe this figure is fair after all. Robert Lang naturally saw the look in Arthur's eyes, and without hesitation, he began to bargain with the other party.

More than ten minutes passed, and Robert Lang and the other party did not come up with a result in the end, mainly because the credit manager on the other side could only make the decision to give Arthur 75% of the total assets, if he wanted a higher loan ratio, he had to report, and the final decision was made by the above.

"I'm sorry, Your Excellency, I can only add it to seventy-five percent, but I will report the situation truthfully, you are definitely a high-quality customer that our bank needs, I believe there will be a good result, it will take a little time, please be patient. ”

Before Arthur decided to end the discussion for the time being and prepare to leave, the credit manager Jerry Jones explained very sincerely that it seemed that the other party did not want to lose this opportunity to work together.

"Understandable, then I'll wait for your good news, goodbye. Arthur smiled indifferently and shook hands with the other party, and then led the people away.

Walking out of the Santander gate, Arthur said to Robert Lang beside him, "Halifax Bank, how much will you lend us?"

"£30 million, but the interest rate is slightly higher than Santander, 1.7% interest, if the same loan amount, we need to pay an extra £1,000 per month. Robert Lang replied immediately.

Arthur frowned slightly and nodded, "Let's go, let's see what the Halifax Bank has to say in the afternoon." ”