At this time, Cheng Tianchu couldn't help but feel nervous, he had already encountered too many problems today, and he finally failed because of this problem.

However, when he saw Wang Peng, he was listening thoughtfully.

Thinking about Wang Peng's sentence 'If you give up, then there is really no hope', he still said firmly:

"The investment in advertising is the largest, we have analyzed, it needs about 150 million, in terms of servers, we only use the most reasonable, roughly also need 100 million, the main cost of the activity is offline, it is estimated to be 10 million. ”

Lu Qianqian, a high-achieving student, didn't blow the mental arithmetic, but a bull break, and immediately came to a conclusion and said: "In other words, you need 260 million funds." ”

Cheng Tianchu nodded his head and replied affirmatively: "Yes, that's the number, of course, it would be better if there were more!"

The amount of 260 million is beyond the scope of Lu Qianqian's decision, she looked at Wang Peng and motioned for him to continue talking.

Wang Peng smiled and said: "Mr. Cheng, you should also understand that as a video game industry, your assets are relatively light, so in terms of mortgage, what can you come up with, I will make a decision after hearing about it." ”

Seeing that Wang Peng was not entangled in the loan amount like other industries, Cheng Tianchu felt a lot more relaxed in his heart.

He saw no less than ten banks today, the most one, directly cut half of it, and the most ruthless was only willing to take out 20 million.

Cheng Tianchu said: "I have a car, which is Audi's, and there are two suites, one large and one small, have you seen enough!"

Wang Peng said: "200 million six, you can buy a hundred suites with a turn, of course it's not enough, you can count all the office equipment!"

Cheng Tianchu said suspiciously: "Do you want office equipment too?"

"Of course, as an Internet company, you are specialized in games, and many of the equipment are professional, and they must be more valuable than ordinary companies, right?" Wang Peng said.

"That's just as well!"

Cheng Tianchu thought about it, it was really like this.

Just these equipment, he spent tens of millions at the beginning, but before communicating with Wang Peng, everyone, whether it was him or other banks, ignored this matter, and only Wang Peng could think of it.

Wang Peng raised two fingers and said, "In my opinion, your loan should be divided into two parts!"

"Manager Wang, please speak, I'll listen to you!" Cheng Tianchu immediately said with a correct attitude.

Wang Peng can see that the place that everyone hasn't seen is enough to get Cheng Tianchu's respect, and he has to have the final say on the loan, so Cheng Tianchu is even more polite.

"The first is that you directly use the server you want to buy as a mortgage, that is, after the server is bought and installed, the ownership is in our hands. ”

"Then we agreed on how many units you can hand over to you at what stage of your repayment!" Wang Peng said.

Cheng Tianchu asked, "Then what should we do if we use it?"

Wang Peng replied: "This is another question, we arrange for the commissioner to connect with the communication company, every time you use it, you can contact and confirm it through our commissioner." ”

What he mentioned is not a troublesome matter, anyway, if you want to go to the communication room, you always have to make a phone call, call the commissioner or call the computer room directly, you only need to call once.

"This can be!" Cheng Tianchu immediately figured it out.

With a consensus, Wang Peng said with a smile: "However, this personnel is arranged by us, but all expenses, including communication expenses, salaries, and all other expenses, are paid by you." ”

"Ah, do you want us to come here?" asked Cheng Tianchu.

Wang Peng said as a matter of course: "In our industry, it is impossible to increase such a burden, of course you are responsible, this should be a small amount of money, you can just take it as part of the cost of the loan!"

"Then how are you going to charge?" asked Cheng Tianchu about an expense.

"It depends on the specific distribution of your server, probably we can only say that we charge a salary of 10,000 to 15,000 for each commissioner, and the rest are reimbursed, and the personnel are not too many, it is estimated that there are two to three people!"

Wang Peng thought about it for a while and said, but he only made a preliminary estimate, and he still had to ask for the consent of the bank.

"Another point is about the interest rate, because of this plan, our bank has paid more manpower and material resources, so the interest rate, in principle, is no more than nine points, and then it will be reduced by about one point every two years, as for the time, up to three years. ”

Wang Pengbao's annualized interest rate is relatively safe, and with his understanding of the business of the city commercial bank, it is basically very likely that it will be passed in the end.

"I hope you can understand that these are rough reservations, and you need to see all your loan materials and negotiate them carefully. ”

Wang Peng didn't dare to say it too absolutely.

"Three years, will it be a little short?" asked Cheng Tianchu.

"Three years is not short.,You're already an agent for products now.,There's no need to do sinicization and adjustment.,Besides,A game company,If there's no result in three years,That's really,Listen to my advice,It's better to change industries!"

Cheng Tianchu choked at what Wang Peng said.

However, if you think about it carefully, it makes no sense that a game company that does not need to develop and only needs to be responsible for the market will not be able to fight its way out of the world in three years, so there is indeed no need to continue to exist.

"You're right!" Cheng Tianchu nodded.

Wang Peng puffed up a smile and continued: "Very good, then let's talk about the second part of the fund." ”

"For the rest of the money, you do a mortgage plus credit loan, and the starting interest rate is about thirteen points, which is reduced by one and a half every two years, and the time is initially set at four years. ”

Cheng Tianchu frowned and said, "Other banks will only give us an interest rate of ten points, and the time can be six years." ”

"Mr. Cheng, it doesn't mean anything if you say this, I believe that if you give ten points, it must be that the overall funds are not high, and the interest rate is also increasing year by year!"

Wang Peng said very surely, he knew it in his heart.

Staring at Cheng Tianchu's eyes, Wang Peng said: "You can compare, the amount we can lend to you, the relevant interest rate, the key is that we are still decreasing, and other banks are increasing." ”

Cheng Tianchu didn't speak, but looking at his eyes, Wang Peng knew that he had figured it out.

In fact, even if Cheng Tianchu can borrow the corresponding amount, the estimated interest rate will have to go up to thirteen points, because Cheng Tianchu is on the record of Manager Yao, and the construction bank gives 20 million or 15 points.

Well, I have to say, quite informative.

(End of chapter)