Chapter 28 Loans
"800,000. ”
800,000!
Lin Han was silent, he only had more than 400,000 yuan in cash in his hand at this time, and if he wanted to buy the 800,000 yuan construction site, he had to raise additional money. And that's not even counting the various factory facilities and the cost of hiring labor.
"How's the situation on the construction site?" he asked, with a blank face.
Director Zhang immediately began to introduce in detail: "The scale of this plant was not small at the beginning, and it should be regarded as a medium-sized sewage treatment plant, with a daily treatment capacity of about 20,000 tons. Covering an area of 30 acres, the infrastructure such as pipelines and reservoirs are all there. If it hadn't been abandoned for a long time, it would have been too cumbersome to rebuild other factories, and it wouldn't have been transferred so cheaply. ”
"It's just such a construction site, not counting anything else, if you do it yourself, it will cost two or three million to say the least. ”
Thirty acres of construction site plus some infrastructure was sold for 800,000 yuan. In any case, this price is definitely the price of cabbage. After all, even if it is just an empty piece of industrial land, it will take at least one million to take thirty acres.
The problem is that the cost of a medium-sized factory is indeed too high, although it does not need to buy too much machinery and equipment because it can manipulate microorganisms, but it will definitely cost a lot of money to support such a factory.
In terms of cost performance, it is undoubtedly very cost-effective to buy this construction site.
After thinking seriously for a while, Lin Han immediately said, "Let me go back and think about it, and give you an answer within three days." ”
Director Zhang smiled: "No problem. ”
......
In fact, when Lin Han learned the basic situation of the construction site, he had already decided to buy it.
After all, the price is so low, and there are some necessary infrastructures, it is simply perfect for him.
The reason why he proposed a three-day consideration time was mainly because he had to find a way to raise a sum of money, at least to buy the construction site, and then the official opening of the factory could be postponed for the time being.
It's a bit inappropriate to dig up treasures to raise money, after all, this kind of thing is too eye-catching and easy to attract attention, and now he doesn't have a good way to monetize, so it's better to be safe. Besides, he didn't have any tasks now, and Gaia wouldn't just give him a bunch of treasures.
After thinking about it for a while, Lin Han decided to go to the Li family to pull some investment.
Thinking of this, he dialed Li Lin's phone.
"Hey, Lin Han is you. Li Lin was quite happy when she received his call.
Lin Han smiled: "How are you doing?"
"It's okay, I'm helping the family. What about you?"
"I just quit my job not long ago, and I plan to open a sewage treatment plant, and I want to ask you for some investment. Lin Han said.
"Sewage treatment plant, why are you doing this all of a sudden?" Li Lin was a little surprised.
Lin Han joked: "Everyone is responsible for protecting the environment." ”
Li Lin was a little speechless: "Okay, I'll help you talk to my dad." ”
After a pause, she added: "Our family has not been involved in sewage treatment plants, so we should not invest in shares." But don't worry, you can go to the bank for a loan, and my dad will vouch for you. ”
"Loan?" Lin Han was stunned.
"Yes, my father will guarantee you, and the banks in Handong Province can lend 18 million at will. ”
Lin Han thought for a while: "Don't you really consider buying shares, my sewage treatment plant is very advanced." ”
If the Li family can become a shareholder, with this background, there will undoubtedly be many advantages in all aspects.
"Probably not, after all, as you know, the layout of our house is not industrial. Li Lin muttered, "In this way, I will invest 20% of the shares in my private name, how much money do you need?"
"20%, 300,000 is enough, plus a loan of 1.2 million. ”
1.5 million yuan, plus 400,000 yuan in hand, nearly 2 million, it should be no problem to prop up the factory.
"So little, only 1.5 million?"
Lin Han: "......"
......
Li Lin's personal investment of 300,000 yuan arrived quickly, and the next day, Lin Han went straight to the branch of ICBC in Qinglin County.
When he came to the bank, he asked the lobby manager: "Hello, I want to apply for a loan." ”
The lobby manager looked at him: "Is it Mr. Lin Han?"
"Not bad. ”
The lobby manager suddenly said politely: "Yesterday, the president has made arrangements, please go to the president's office on the second floor." ”
Lin Han was a little surprised when he heard this, he made arrangements yesterday, it seems that Li's influence in the financial field is not small.
The president's office on the second floor was not closed, and a slightly chubby middle-aged man sat inside, looking at some materials in his hand.
Noticing that someone was coming at the door, the president was stunned at first: "May I ask who you are?"
Lin Han was just about to knock on the door: "Hello President, I'm Lin Han, it's Li ......"
Before he finished speaking, the president hurriedly got up to greet him, with a kind smile: "It turned out to be Mr. Lin, hello, hello." ”
The two shook hands and sat down.
"Mr. Li already told me yesterday that he plans to take out a loan to set up a factory, right, I don't know how much you plan to borrow?" asked the president with a smile.
"One and a half million. ”
When the president heard this, he was surprised: "One and two million?"
Li Dianxun guaranteed that he only took out a loan of 1.2 million?
Lin Han was slightly embarrassed and nodded: "The first time I started a business, the steps are still a little smaller." ”
"You're still young, what's there to worry about. The governor patted him on the shoulder and said, "Within five million, it will arrive today." Are you really going to borrow more?"
Million!
It is undeniable that Lin Han was a little moved just now. However, after all, the loan is not your own money, and you still have to repay it in the future. What's more, this money is guaranteed by others, and if he really borrows so much, doesn't it seem that he doesn't know how to advance or retreat.
"No, one and a half million is enough. ”
The president was a little disappointed on his face, but he still smiled and said: "It's okay to be cautious, and entrepreneurship really can't rely on strength alone." ”
The person who is guaranteed by Li Dianxun still has to have a good relationship, after all, as long as Li has more business dealings with the bank in the future, his performance will inevitably rise by rubbing.
"One million and two hundred thousand, how long do you plan to borrow?" the president asked again, "within one year, the interest is 4.35%, one to five years, the interest is 4.75%, and more than five years is 4.90%. ”
With the power of manipulating microorganisms, as long as there is enough sewage, the profit produced is definitely enough to pay off the loan within a year.
Lin Han thought for a while: "I can pay it back within a year." ”
......
The bank president personally handled it, and with Li Dianxun's guarantee, the loan of 1.2 million yuan was quickly processed.
When Lin Han left the bank, the balance in the account was nearly two million. It seems like a lot, but he estimates that when the factory is opened, the money will be almost burned.
I called the director of the Bureau of Industry and Commerce: "Hey, hello Director Zhang." ”
"It's Lin Han, how are you thinking about it?"
"I want the construction site. ”
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