It's hard to sleep at night.

No matter how Zhang Xiaokai calculates, even if all the cattle and sheep raised in the ranch are sold, it will not be enough to fill the gap in loans.

The next morning, I drove to the bank in Brookingstown, and after waiting for a while, a Jewish president named Howard received them "warmly", he was the relative of Burns, and the Zhang family did not know about this matter for the time being.

So when President Howard told them that it was the decision of the company's risk control department and that he couldn't help, Daddy Zhang and Zhang Xiaokai both believed it.

"This ...... I admit that my father-in-law is currently serving a prison sentence, but that's because he is old and doesn't know how to handle taxes, if he doesn't repay the loan in advance, and sell his cattle and sheep at the end of the year, we can repay the more than $4 million as scheduled. ”

Daddy Zhang said that although he was anxious, he tried not to show his worries on his face.

President Howard himself submitted a risk warning, asking the head office to agree to recover the loan early, how could this guy help in such a situation.

He was already wearing the same pants as Burns, he was both related and could make money from it, how could he lift a stone and smash it on his feet, sighed and shook his head, and continued to speak: "I just said, it was the decision of the headquarters, they felt that there was a risk of losing funds, they would withdraw the loan in advance, I'm sorry I can't help, but I can help you ask again." ”

When Daddy Zhang heard this, he vaguely realized that he was shirking, and hurriedly said: "The collateral is Cleveland Ranch, its area is so large, and the total debt is less than 40% of the total value, I think there is some misunderstanding here, don't worry about any risk at all!"

"I know it's doing pretty well at the moment, but I'm just a small president, or else...... You apply for a loan again, and I can find a way to help complete the approval, or I can return the money to the bank first, and then lend the funds to you after the high-risk warning is lifted, which will work. ”

He didn't really want to help, President Howard just wanted to delay the time, the application was returned, the approval was not approved, and when the agreed repayment time was reached, there was an excuse to seize the ranch assets and let Burns buy it.

Since the previous two years, agricultural land has appreciated considerably, and with the input of cattle pens, fences, stables, and equipment, he and Burns are sure that not many people will see the true value of Cleveland ranching.

It's good to keep it for yourself, and there is also the possibility of making a profit by selling it, and you can make a lot of difference in the price of the handover, and it is worth letting President Howard take the risk of making small moves, he is not as rich as Burns, a seafood merchant.

Thinking that he had obtained two feasible plans, Zhang Xiaokai immediately said that he would communicate with his grandfather and talk about re-loans.

It was hard to believe that the old man was so bold as to borrow so much money and invest unnecessary money in the construction of the Cleveland ranch with a total loan of nine million dollars, and the interest on the ranch accounted for most of the income of the ranch in one year.

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Got out of the bank and got into the Raptor pickup.

Daddy Zhang's legs are not in the way, the car is too high, it was little Patrick who helped him up, Zhang Xiaokai didn't have a driver's license, so he asked little Patrick to act as a driver.

Seeing that the father and son's faces were not very good-looking, little Patrick asked, "What's the matter, why do you suddenly have to repay the loan early?"

Zhang Xiaokai sighed and said: "It's not that the old man has entered the blacklist, which makes the bank feel that the funds are at risk." Dad, I don't think I can fully trust that the bank will continue to lend to my grandfather, or else prepare first and raise some money?"

"I don't think it's worth believing, but where to go, the most important thing to think about now is how to survive, or really sell the cattle and sheep first? But I can't make money by selling it now, and next year there is a loan with a larger amount due, and I have to borrow from the bank again......

……

I didn't go back to the ranch, so I drove directly to visit the prison.

After reading the reminder letter and hearing about the bank's attitude, the old man finally began to panic, and subconsciously cursed those banks for not keeping their promises, never thinking that he had done anything wrong.

Zhang Xiaokai could only roll his eyes.

He was sure that if he had continued to operate as before, the old man would probably lose most of his pasture or all of his pasture by not surviving next year, and he would not be the material for doing business at all.

On the way here, there was a brief discussion, and at this moment Zhang Xiaokai sat at the table and told Ronald Sr.: "Recently, you first reapplied for a loan, which is about four million US dollars, which will be used directly for repayment, and we don't know if we can approve it, so ...... You need to prepare and sell some of the valuable things in the ranch to raise money. ”

The old man seemed to be frightened, and shouted: "Sell something? It's impossible! If you have a kind of arrest me again, the date has not yet arrived, and the cattle and sheep have not been sold, why should I pay it back when I want?"

“…… What's the use of you telling us this, will the bank pay attention to you, isn't it enough for a few months, and you still want to push the bank staff and continue to live in prison?"

Zhang Xiaokai couldn't help but get angry.

I don't know why, every time he sees his grandfather, he is always easy to get angry, probably because this old man is too unreasonable, and the money he owes to the bank will not be easily relied upon.

Dad pulled Zhang Xiaokai and added: "If you don't sell something, and you can't pay back the money at that time, the right to dispose of your land and everything on it will go to the bank, and they will auction the ranch, and then directly deduct the arrears, liquidated damages, and interest from the money obtained from the auction, and the rest of the money will be given to you." If you don't want that ranch, you might as well sell it to someone else, which will give you more initiative. ”

was sung and harmonized by the father and son, old Ronald's face turned blue and white for a while, and he had learned the lesson of paying taxes, so he had nothing to say at this time.

It was rare to lower his posture, and he asked in a tired tone: "What do you want to sell? My ranch is only worth a little money for land and fishery, right?"

"This year's cattle and sheep, the Cleveland fishing boat, the new car you just bought, these can be sold for some money, the wheat will be harvested soon, and the fishing farm can still make some money, and the total is still a lot worse, maybe some bank will be willing to lend you some money, so it will add up to about the same."

But even if this crisis is over, there is still a debt waiting for you next year, and you should be able to borrow money by then, and if you can't sell some of the land, little Patrick said that there are examples of trees cut down nearby and sold, and I will help you ask when I go back. ”

Zhang Xiaokai's words made Ronald Sr. feel distressed.

If the bank wasn't too ruthless and he was locked up again, the old man would probably be the kind of person who borrowed money with his ability and didn't want to return it.

Judging from his past practices, it doesn't look like he's thinking about repaying the loan at all, and before he won the lottery, the old man was an ordinary person who was a little better than a homeless man, and he didn't understand many things.

The prison won't let the old man out just because he has something to do.

In the next few days, the father and son of the Zhang family helped solve the problem, first asked a lawyer to help, asked if there was a way to delay the repayment, the other party could not do anything, and then went to work on the matter of refinancing.

All expenses have been tightened, even if they are reluctant, they still let half of the employees go home first, and the news has been put on the Cleveland fishing boat for sale.

It's easy to buy, it's hard to sell, it's not easy to make money from fishing boats recently, there are too many rules and regulations, and the buyer's choice is quite large, more than ten days have passed, and no one has come to ask.

In the blink of an eye, there is only one week left until the repayment date.

Zhang Xiaokai went to the bank two or three times during this period, and after repeated delays, President Howard finally resisted the urge to laugh and told him that the loan application had been rejected, but in fact, the application documents had been in his drawer all along, and he had not submitted them for review at all.

It doesn't matter even if it is discovered, there is every reason to say that the old Ronald is not qualified enough, and in addition to poor credit, he is too old.

As a result, the question of raising funds is imminent.

Mr. Burns, a seafood merchant, was finally willing to show up and drove to the Cleveland Ranch that evening......