Chapter 079 - Deciding on a loan

After reading the document quickly, Li Guodong knew that there would be no fraud in this document, and the original document of the board of directors, if the bank came to approve it, it was very simple, without any trouble, and it was quite fast, at this time, Li Guodong couldn't be excited here, and quickly opened his mouth: "Mr. Xu, this project, I will go back to the bank immediately to handle it for you, and the loan can be disbursed in two days, but I still have a question that needs to be said." ”

"Governor Li, you say yes. Xu Hao looked at Li Guodong and nodded.

"The company documents stipulate that your shares should not be transferable. Li Guodong was a little hesitant, but finally asked.

"Yes, my shares are not transferable, but the shares are in my name, so can the bank lend to me?" Xu Hao nodded and asked with a smile.

Li Guodong began to think about it, generally speaking, the mortgage will sign a contract with the mortgage, that is to say, within the contract, if the lender is unable to repay the money, then the mortgage will directly belong to the bank's assets, therefore, any bank, there are many part of the company's shares, this is not only an investment by the bank, but also a kind of return after the mortgage, but unfortunately Xu Hao's current shares are more special, different from ordinary listed shares, and the shares cannot be sold and transferred, which has become a problem。

In this way, this also shows a problem, the mortgage is not possible, and Xu Hao is unable to repay, so the regulations that his shares cannot be sold and transferred on that day have become a problem for the bank, and if the bank handles this project, it can be said that there is no guarantee at all.

Xu Hao just asked the words and became very knowledgeable, he asked bluntly, can this mortgage still be given to him, isn't this like many people have said, empty hands, but also a wolf? Now Xu Hao's mortgage can not take out any actual mortgage at all, saying that it is a share mortgage, and in fact, the shares cannot be used by the bank, and the shares are still original, should be in hand, once Xu Hao does not repay, without Xu Hao's autograph, it can also not be auctioned and transferred.

Isn't this the legend that brushes your face with credibility.

Xu Hao used the shares of a world-famous listed company to tell ICBC that I have 4.8 percent of the company's shares, and this share is a loan of 30 billion M yuan, which is a small amount, because the dividend benefit generated by this share is not only 300 million M yuan in a year, and it is obvious that it is telling ICBC that Xu Hao's family property is capable of repaying the loan.

Theoretically speaking, such a mortgage cannot be established at all, but according to the actual reputation, the bank does not give a loan and can not be justified, people have a family business and money, and also have the ability to repay, although the shares cannot be transferred and sold, but Xu Hao's shares of this company are indeed high-quality customers, so, this is the consciousness of Xu Hao's sentence, do you loan or not? In the subtext of this sentence, there is still a lot of knowledge, if you borrow, you can borrow, if you don't borrow, brother can go to other banks to handle it; if you don't borrow, brother will be involved in a project with your ICBC in the future, there will be no drama.

In the financial industry for half his life, Li Guodong of course understands that this kind of so-called credit loan should be handled without any problems in other places, such as Citigroup and Switzerland, but the banks in Huaxia are very different, but the pace of the times is changing, and such loans should not have happened in China, but they have not been handled in their own branches.

"That's it, Mr. Xu, I'll ask my superiors as soon as I go back, but please rest assured, our speed will not be delayed, and we can give you news this afternoon, I need to make a copy of your document and go to the bank for instructions." Li Guodong said.

Li Guodong left, of course Xu Hao didn't stay for a long time, when they were on the road, Xu Yihuan and Ma Hongyun were still in a dream, this meal let them know the young master's funds, but these two people have always been like in a dream, too shocking, so the rest are in a trance.

Xu Hao is indeed quite relaxed, whatever, if ICBC can't lend him a loan, then go to Citi and Switzerland, there must be no problem there, although in his heart, he doesn't want to go to a foreign bank to handle business, so as not to attract attention to something in the organization, which makes it inconvenient for him to do something outside the law, and being targeted is not to say that he is afraid, but to do things, it is very inconvenient.

This is the real reason for Xu Hao's ICBC in our own country, if the people in his own country keep an eye on him, Xu Hao still has a way to deal with it, if both domestic and foreign countries pay attention, especially in a developed city like country M, it is still more troublesome.

Xu Hao was at ease, but the ICBC side was different, Li Guodong brought the news back, immediately reported to the head office, and the headquarters also immediately held a meeting, such a large amount, not an ordinary situation, the important thing is not just the number, but because the shares in the hands of the lender are both foreign companies and cannot be transferred, so the emergency meeting began.

Of course, Li Guodong also mentioned that when he had dinner with Xu Hao, Switzerland and Citigroup should handle the loan, and he also said it at the board meeting.

As a person in the financial industry, of course, you understand that foreign banks may not necessarily handle it, because Xu Hao is not wrong with being a foreign company, but the companies are all in China, but although this company is in China, it is the largest company in the world.

So in this way, the two banks are very likely to accept this kind of credit brushing behavior, the reason is also very clear, this company is powerful, 10,000 steps back, even if the shares in Xu Hao's hands cannot be transferred, the company will not go bankrupt, which shows that there will be no difficulty in recovering this loan.

Then, if ICBC does not accept this project, Xu Hao will definitely go to those two banks, and then, Xu Hao has business, and it is impossible to patronize ICBC, such a big customer service, it is impossible to say that people need not to provide, and they will come to ICBC in the future, no one will have this belly and not be so stupid.

Undoubtedly, in the end the board unanimously decided to lend.

When Xu Hao received a call from ICBC, he was still recording sleep, and he took a nap from noon, and ICBC got it done, Xu Hao thanked the other party and went to ICBC to go through the formalities.

"Okay, Mr. Xu, don't be so polite, you are such a big customer service, any bank will welcome your patronage. Li Guodong said very politely, the above has nodded in unison, at this time, of course, I want to say a few nice words.

The loan was successfully negotiated, Xu Hao's face was valuable, because he had that equity, and it was also a non-transferable share, and the original was also on the ICBC side, but Xu Hao was not worried at all, because it was much safer to put it in the bank than at home, at least there was no need to worry about theft, so why not let the bank keep it.

Such a good thing, why should Xu Hao worry, after the phone call ended, of course the assistants next to him pricked up their ears to listen, Xu Yihuan asked excitedly: "Young master, did they agree?"

"They're not stupid, they're all people in the financial world, of course they agree. Xu Hao looked at everyone with a smile and asked.

At this time, Xu Hao's mood is naturally excellent, with this money, Xu Hao needs to do what he intends to sit on, first of all, he has to get the number of points up, this is very important, with the score, in order to make Xu Hao's next dream move quickly, money, is not spent to play, because while spending money, it is also making money, Xu Hao has a lot of places to spend money.

Of course, the people of ICBC are not stupid, Xu Hao's words made the assistants dumbfounded again, are they themselves fools, a white wolf with empty gloves, why did ICBC actually agree to lend? That's not a little money, but more than a billion dollars, maybe, they are really stupid, otherwise it doesn't make sense.

In fact, there is nothing difficult to understand, just like a mortgage, only if you can prove that you have the ability and strength to repay, you can apply, the same, but the loan is a little larger, the time is a little longer, and one important thing is that the collateral cannot be transferred, and there is no big deal.

Xu Hao is the biggest tyrant in history, there is nothing that cannot be done for him, only what is unthinkable.

"In the next few days, I will have more things, I need to go abroad in a few days, you don't have anything special to do, just take care of Xiao Tongtong, if there is anything, I will inform you." Xu Hao told his assistants that because what he was going to do next would be dangerous, he didn't bring them along.

The assistant nodded and replied, "Yes, young master." "Of course, the young master's affairs are not asked by them.

Now that the ICBC matter has been completed, I will go to the bank tomorrow to sign the procedures, and the funds will be in place, and there is no need for Xu Hao to worry about other things, the richest man has the means to transfer the funds quickly, and no one will find out the flow of funds.

After explaining, Xu Hao picked up his mobile phone and called John, and the other party quickly answered: "Hello boss." ”

"John, I'm going to country M and the UK, how long will it take to get a passport?" Xu Hao asked, John will go to country M to handle Xu Hao's follow-up hands, and he has already become Xu Hao's person, but the salary is paid by Xu Hao himself.

That being said, if it was normal time, Xu Hao still asked what wool, and John wouldn't be able to do anything.

"Boss, three days is fine. Sure enough, John knew what Xu Hao needed, otherwise Xu Hao would not have hired him, and Xu Hao needed professional and fast service, so that he would have to hire John.

"Okay, do I need any more information for you?" asked Xu Hao.

"No need boss, your information is here with me, you wait and listen to the call from the embassy, and you need to sign the final passport and visa yourself. John said.

It is said that visas are difficult in the United States and the United Kingdom, but in fact, it depends on who handles them, and the rich with net worth will get them quickly, while ordinary people take the ordinary path of course.

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