"Knock-"

"Please come in. ”

"Earl, financial advisor Robert Lang and lawyer James Cronin have arrived. ”

Arthur put the picture book and stone in his hand into the box, and said to Paul, the butler standing at the door, "Please let them in." ”

"Yes, Count. Butler Paul nodded slightly in response, then turned to leave.

After Arthur packed the album and stones, he put the box aside, stood up and walked to the coat mirror, tidied up his clothes a little, straightened the cap on his head, and walked to the middle of the study, waiting for the arrival of the guests.

It wasn't long before there was another knock on the door.

"Please come in. ”

The door was pushed open, and the butler Paul was in front, reaching out to follow two middle-aged men in straight suits, meticulously combed hair, looking very capable, both of them were relatively successful in managing their figures, there was no big belly, and with a pair of glasses was James Croning, Arthur's familiar lawyer, and the other was Robert Lang, the asset management consultant of his Boleyn family.

"Good afternoon, My Lord."

"Good afternoon, My Lord."

For the very gentlemanly greetings of the two, Arthur also smiled and returned the salute, to be honest, in fact, the British are really hypocritical, on the one hand, they reject and are tired of the aristocracy, but when they really meet the nobles, they will maintain the etiquette and respect for the nobles, and they can't wait for them to become a member of the aristocracy.

"Sit down, what do you two drink?" coffee or tea?"

Arthur smiled very calmly and invited the two to sit down, and then asked politely.

"Black tea, thank you. ”

"I'm also black tea, thank you. ”

Arthur smiled and nodded, looked at the butler Paul on the side and smiled, "Paul, three cups of black tea." ”

"Okay, please wait a moment for the Count and the two of you. Paul, the butler, smiled, and strode to the door.

"Lord, this is part of the tuition fee refunded by the Castle School of Management... Cheque for fifteen thousand pounds. Lawyer James Cronin took an envelope from his purse, handed it to Arthur with both hands, and explained with a faint smile on his face.

"Hehe, I knew that it was the right decision to leave it to you to deal with this matter, and you really wouldn't disappoint. Arthur took the envelope, the corners of his mouth raised, and he smiled happily and complimented.

"Thank you for the compliment, this is what I should do. James Cronin replied with a smile.

Arthur opened the envelope, pulled out the check inside, glanced at the numbers, and then re-put it into the envelope, which was the first loss that he, the earl, had recovered, and it was worth rejoicing.

In the interval between the three of them, the butler Paul walked into the study with the waiter with the black tea, and after pouring the black tea, the waiter left, and the butler Paul stood beside Arthur as always.

After the three of them drank a few sips of black tea, Arthur took the lead in putting the teacup on the table, looked at his lawyer and consultant with a smile and said, "I invited the two of you to come over this time, mainly because there is one thing that needs the help of the two of you. “

Both Robert Lang and James Cronin put down their teacups, looked at each other, and said, "I'm always ready to serve you." ”

Arthur smiled and nodded, didn't go around in circles, and said straight to the point: "I want to use the land of Boleyn Manor to mortgage the bank... ”

Although Paul, the butler who had been standing beside Arthur, had been prepared in his heart, but when he heard Arthur say it himself, there was still a trace of helplessness on his face, he couldn't understand why Arthur had to take this step, the loan of tens of millions of pounds, the annual interest generated with the output value of the estate and the profits of the newspaper and publishing house were all a huge burden, and if they didn't do it well, they would go bankrupt, and the risk was too great.

Similarly, Robert Lang, the consultant who understands the financial situation of the Bolin family, also frowned, starting from the old Earl Francis, he has been providing services to the Bolin family for more than 15 years, although now because of the inheritance tax problem, the financial situation of the Bolin family has some problems, but as long as the source of income and throttling, persist for two years, after the economic environment improves, the financial situation of the Bolin family will return to balance, and there is no need to take such a big risk to take such a big risk to take a loan from the bank.

"Lord, in fact, the financial situation of the Bolin family is still good, it is a good level, there is no need to borrow from the bank, if you are worried about the debt problem of the "Southern Daily Echo", I have a solution here, you can wipe out the debt without any loss. ”

Arthur did not show displeasure at Robert Lang's advice, after all, the other party was also well-intentioned, and I have to say that the person left by his cheap father for him has a very good character and ability, and he was also interested in what the other party said that he could easily wipe out the debt.

"Oh?

"In the past two months, the government has just amended some provisions of the bankruptcy law, and the bankruptcy conditions are more relaxed, and it only takes one year for enterprises or individuals to complete the entire bankruptcy process and successfully discharge debts.

As long as we put the newspaper "Southern Daily Echo" into bankruptcy protection, we can complete the process within 12 months, and then easily wipe out all debts, which has been implemented by many business representatives or individuals from other European countries, and it is completely feasible. ”

Hearing this, the corners of Arthur's mouth twitched, and he complained in his heart, can TM be so shameless? Thinking about it, he turned his gaze to James, the lawyer on the side.

"Yes, we have very lenient insolvency conditions compared to other European countries such as Germany, Austria, France and Iceland. In Germany and Iceland, for example, due to the imperfection of German bankruptcy laws, it is generally necessary for a business or individual to wait 6 to 9 years after declaring bankruptcy before it can be discharged, while an insolvent enterprise or individual in Iceland has to wait an average of 12 years.

We will be able to complete the process in just 12 months, and we will be able to get out of bankruptcy restrictions and debt distress. Lawyer James nodded and explained to Arthur, who was looking at him.

Well, it's really so stinky and shameless! Sure enough, it's still the old capitalist countries that will play 。。。。。。

If it weren't for the fact that he wanted to use money to make money and make investments, maybe he would really use this method to trap the bank and smooth out the debt, but now this method will not work, because he can't bear the burden of bankruptcy, he needs to borrow money from the bank, borrow tens of millions of pounds!

"Hehe, a good way, but it's a pity... Arthur shook his head and smiled, his eyes were firm, and he looked at Robert Lang with a serious expression and continued: "I still insist on using the land of the manor as a mortgage and taking out a loan from the bank, I need this money, I need it very much!"

Hearing the firm and insistent attitude in Arthur's words, Robert Lang frowned slightly and glanced at Paul, the butler standing beside Arthur, and Paul nodded slightly at him with a helpless face, Robert Lang was also quite helpless, no way, these assets belong to Arthur Boleyn, he can deal with them as he wants, but Robert looked at Arthur with a trace of imperceptible indifference and contempt.

"Lord, how much do you want to borrow?"

"Of course the more the merrier, I know that Boleyn Manor has consulted with an appraisal company before, worth £40 million, and if possible, I would like a £40 million loan. Arthur keenly felt a slight change in Robert Lang, but he didn't care, but said indifferently.

The corners of Robert Lang's mouth twitched, and he shook his head and said: "Impossible, the bank will not lend the full amount according to the appraisal price, and in the current economic environment, you should also know that the major banks have long tightened their lending business, and even the commercial land is falling, and the land of the manor cannot be used for commercial development, so the value will be discounted by the bank."

Fortunately, due to the financial crisis, the central bank lowered the benchmark interest rate to 0.5% in March this year to promote an increase in the number of mortgages, and correspondingly, mortgage rates for investors have remained at historically low levels. Mortgage rates can generally be controlled between 2.8%-3.5%, while for long-term residents living in the UK, mortgage rates can be as low as 0.99% if they have good income, credit history, etc. ”