Except for a phone call that day, there was no news from Hou San, but the date was getting closer and closer, and Chu Tianqi had no choice but to go to various banks to discuss loans. The www.biquge.info of several large state-owned banks were all searched, and although the other party's reply was still relatively tactful, the central idea was the same. That is: if you want a loan, you can negotiate only if you take out the mortgage, otherwise you don't need to talk.

What kind of mortgage can be used for the development zone? The only thing that can be mortgaged is land and office buildings. As for the land mortgage, several large state-owned banks did not accept it at all, and the reason they gave was that part of the land had already been transferred, and the rest was about to be transferred, and it was impossible for it to be used as a mortgage.

As for the mortgage of the office building, it can only be negotiated for the third and fourth floors, because the second and third floors have already been leased. That being said, whether the procedures are compliant or not still needs to be uploaded to the superior bank for review. If the procedures are approved, the next step can be discussed, and the loan ratio is up to 40% of the assessed amount, and the county government must guarantee it.

As far as the conditions put forward by several large state-owned banks are concerned, I am afraid that it will take more than a month just to pass the examination, and by then the cucumbers and vegetables will be cold. What's more, it must be guaranteed by the county government, even if the loan ratio is pitiful, it is not feasible at all. Then the only way to do this is to find a credit union, and the policy of the credit union is much more flexible.

went to find Ouyang Yujie, but the other party was on a business trip once, and he was not there once. I went to the other party today and said that we were having a meeting, and it would take at least half a day. Chu Tianqi had no choice but to return to the unit.

Having dealt with some business, Chu Tianqi leaned back in his chair and closed his eyes, thinking about the compensation and the loan.

Suddenly, there was a "thump" sound, followed by a crackling sound. Chu Tianqi opened his eyes, was a little stunned, and when he saw the desk calendar on the table, he understood: Today is June 18, which is the day when various construction sites start.

Originally, the plan was to be carried out by the development zone, but it was rejected by the county, so it had to be carried out by various enterprises. While regretting the enterprises, they expressed their understanding, and at the same time invited the leaders of the development zone to come at that time. It is said that it is too normal to attend the groundbreaking ceremony, but considering the purpose and reason for the county to stop the ceremony, Chu Tianqi had no choice but to prevaricate with "going on a business trip on the 18th". Out of politeness and support for the company, Chu Tianqi still sent all the deputies to participate separately, and the reason he gave to the deputies was "I will go all out to run the loan and solve the compensation matter." When I made arrangements that day, there were still a few days left, and I didn't want this day to be over

The sound of firecrackers outside shook the mountain, and many people went to help the company or watch the excitement, the office building seemed very deserted, and Chu Tianqi felt a little lost in his heart. He didn't want to go to the scene to join in the fun, and he didn't want to flatter each other, but after all, it was not easy to form the current situation, and he also had his own share, and it was human nature to witness it himself. But knowing that Ke Xingwang didn't want him to show up, why should he stimulate him because of this.

"Tuk tuk", there was a knock on the door.

Chu Tianqi was very puzzled: the leaders of the unit have gone to the construction site, and the employees generally do not look for themselves directly. Who could this be?

Suddenly, he thought of someone, it couldn't be her, could it? Thinking of this person, Chu Tianqi felt a pang in his heart: she is not a good bird, and she came to scratch her head and pose a few days ago. There wasn't anyone upstairs today, and if she came in, she might make some kind of bewitchment. Even if she were to go out of her house in her scantily clad appearance, if she happened to be seen by the returnees, she would not have known what she would say. His own wisdom may be ruined on this woman. Thinking like this, Chu Tianqi was speechless.

The knocks on the door were repeated over and over again, and there was no intention of leaving at all. Chu Tianqi smiled secretly in his heart: Look at whether you can knock it up, or if I can hold it back. So he sat there without saying a word.

Finally, there was no movement outside, and Chu Tianqi let out a long sigh.

I didn't think about it, but just after a few minutes, the knock on the door started again. Chu Tianqi was speechless, and slandered the woman several times in his heart.

"Director, are you in the house?" came the voice outside.

Chu Tianqi was stunned, and immediately heard that it was a man's voice, and his heart was relieved: It seems that it is not Ren Fangfang. Then he said, "Come in." ”

The door opened, and Shi Chongsheng, the general manager of the agricultural park, walked in. He entered the door and said, "Director, I just knocked for a long time, thinking you weren't there." ”

"Oh, I'm going to the bathroom. Chu Tianqi replied casually, and then asked, "What's the matter?"

Shi Chongsheng handed over a few pieces of paper: "Director, this is the list of bidding companies and the basic information, Deputy Director Fang has already seen it, she said let me show it to you directly." Since the release of the detailed rules of the bidding plan, construction companies have been contacted, and several companies have sent bids. My list is classified according to construction qualifications, and it also lists the construction performance of some enterprises. ”

Chu Tianqi took the paper, said "sit", and looked down.

……

Afternoon.

Office of the County Credit Union Director.

Ouyang Yujie, director of the credit union, sat behind the desk, and Chu Tianqi, director of the development zone, sat on the sofa.

After listening to Chu Tianqi's speech, Ouyang Yujie did not speak, but sat there and pondered.

Chu Tianqi didn't want to ask, so he just sat like that.

Ouyang Yujie is still so energetic, and the office is still so magnificent, but Ouyang Yujie looks more mature.

After careful calculation, Chu Tianqi and Ouyang Yujie have not seen each other for nearly a year. The most recent meeting was when Chu Tianqi was injured last year. At that time, Ouyang Yujie went to the hospital to see Chu Tianqi, but because there were many inconvenient topics, after the courtesy greetings, there was nothing to talk about, Ouyang Yujie left the condolence money and left.

After that, Chu Tianqi called to thank each other, and he also made a greeting call during the New Year, but they were more polite to each other, and they no longer talked about it when they first met a few times.

Because it was very awkward for the two to meet, Chu Tianqi never came to Ouyang Yujie, and Ouyang Yujie did not go to see Chu Tianqi. This time, it was the matter that came to this, and with Ning Junqi's encouragement, he decided to find Ouyang Yujie.

Ouyang Yujie raised his head and looked at Chu Tianqi: "Director Chu, I heard the office boss Gao say, you have come to me twice, but unfortunately I have something to do." I understand what you just said, the development zone needs a loan, and it is not a small amount. It is said that your current payment needs are very suitable for loans from those state-owned banks, after all, credit cooperatives are oriented to farmers, and your payment needs do not meet the requirements of credit cooperatives. ”

I could hear that the other party had the intention of prevarication, but what he said was also the truth, Chu Tianqi was not too demanding, so he could only say, "Please help the director think of a way and help." ”。

Ouyang Yujie smiled: "Director Chu, it's not impossible to help. Then let me ask you, can the development zone provide collateral for the loan? The appraised value is required to be twice the total loan amount. ”

"Now that there is land in the development zone, it can provide such a large amount of guarantee. Chu Tianqi said stiffly.

"I know that there is land in the development zone, but these lands have to be successively transferred to enterprises, so it is not realistic to mortgage the land. Ouyang Yujie shook his head, "And I also know that the property owner of these lands is the Yuchi County Government, and you are only acting as the management agency on your behalf." Even if it can be mortgaged, the subject of the loan can only be the Yuchi County Government, not your development zone. ”

Chu Tianqi smiled awkwardly: "Director Ouyang, to be honest, using land as collateral is just a transition, and this loan is only a short-term loan. In the second half of the year, the government will return most of the money for the construction project to the development zone, and as soon as the money arrives, it will be repaid immediately. ”

"With all due respect, the government often defaults on appointments, and often what it says doesn't count. Whether I can give you a refund in the second half of the year is still unknown. This is not a bias against the government, but a fact, and often due to policy or official adjustments, the government's promises are then in vain. Please understand that credit unions are accountable to all shareholders. Ouyang Yujie said very directly.

You must understand, what can you do if you don't understand? Chu Tianqi had already heard that the other party had sealed his mouth very tightly, and there was almost no room for accommodation. But the other banks have already hit a wall, and since they have come, Chu Tianqi has to continue to fight: "Director Ouyang, what you said makes sense, I understand." However, the property owner of the office building belongs to the management committee of the development zone, and can make a mortgage, of course, the mortgage amount is a little smaller. ”

Ouyang Yujie took over the conversation: "Using an office building as a mortgage is not just a small problem. Even if you use the whole building, it's a lot worse, not to mention that the first and second floors have been rented out, so it's half smaller, how much can you borrow with such an area?"

It seems that people are clear about the situation in the development zone, and they think that they can fool a little, which seems to be pure futility. But then again, if you really have that much collateral, why bother with your credit union, which bank can't lend?

It seemed that it was no longer possible, Chu Tianqi stood up and said, "Director Ouyang is disturbed, since this is the case, then I will leave." If there is anything to trouble again in the future, please ask Director Ouyang to guide him in his spare time. ”

Ouyang Yujie nodded, said "Okay", stood up and walked over. After shaking hands with Chu Tianqi, he made a gesture in the direction of the door.

Chu Tianqi understood what the other party meant, and said it in elegant words, "You please". If you say it in layman's terms, it is "get out". He smiled and nodded, and walked away.

Just when Chu Tianqi kicked in and out of the door, Ouyang Yujie's voice came from behind him: "Director Chu, it's not difficult to get a loan, as long as you promise me two conditions." ”

Hearing this, Chu Tianqi was very excited, stopped, turned around and asked, "What conditions?"

"As long as you agree to my terms and can do it, the loan will be in two days. Ouyang Yujie stretched out his right index finger, "The first condition is that you can use the office building and part of the land as collateral, but you must let the Yuchi County Government make a guarantee." ”

Chu Tianqi thought for a while and nodded: "Okay, I'll go and persuade the government leaders." ”

Ouyang Yujie stretched out the two fingers of his right hand: "The second condition, you have to write a written guarantee." It's not what I meant, it's what I mean at home. The content of the guarantee is 'never meet Ouyang Yuna again, let alone have any contact'. ”

After hearing this, Chu Tianqi glanced at the other party coldly, without any words. He turned around and resolutely left.