Chapter 15 Private Loans Are Difficult

Boss Niu's posture was also extremely low, because the second generation of Haizhou's top rich and the second generation of officials were sitting opposite him.

Taigu's posture was also lowered, and he also knew Ye Cen Hao Wei's background.

At this time, the other newlyweds who signed the contract only knew how capable Zhan Cheng was! And their wedding was organized by this company, how vain they were!

After eating, the guests returned to Zhan Cheng's store without any trouble, and those who had something to do shook hands with Zhan Cheng and said goodbye one after another.

After sending off the last customer, Zhan Cheng called several leasing companies and suppliers that provided equipment, telling them that the reopening of his company was not a special treatment for Zhan Cheng, but that the business must be like this, and the suppliers could not contact the terminal.

The next day, as soon as Liu Xin went to work, he ordered a cup of milk tea and two small cakes, which was more than 270 yuan according to the original price of being single.

She ate a few meals alone on the opening day, and finally couldn't even eat at the dinner, and it took Fang Mushu half an hour to get the employee gold card consumption price.

In this way, it will cost more than 50 yuan, she is going to drink 3 cups a day, and occasionally eat a snack, and finally her salary is almost spent, which is still not counted at noon and night.

Faced with such an embarrassing situation, her way at that time was to cry with her mother, crying so much that it was heartfelt, but her father couldn't see it, and his baby daughter couldn't afford to eat, so he paid it back, and with a wave of his hand, he contracted Liu Xin's dim sum fee.

Then Liu Xin can eat and drink happily, and now her job is simpler, that is, the waiter customer orders milk tea and pastries to help serve it, of course, it is her job to wash the cup in the end, and she does not need to do it in the company's hygiene.

At the price of Fang Mu Shubiao, it is estimated that there may not be any customers, and Liu Xin is entertaining himself.

Said that there were no customers, and two little girls really came in the afternoon, about 16 or 7 years old, who were attracted by the WeChat circle of friends, ordered two cups of milk tea, and stayed in the store for a few hours.

It turned out that I came to show off and find excitement, why do you say that?

They took this as an attraction, and the two little girls took dozens of photos of each other, especially the piano that cost hundreds of thousands, and finally settled the bill and was only willing to pay the price of the couple.

Liu Xin had no choice but to call Mr. Fang, but the two little girls came to kiss for a few minutes in front of everyone, it was too spicy, and the rules were useless in the face of such a situation, Fang Mushu had no choice but to agree.

……

After Fang Mushu and others in the company took up their posts, they began to take out loans, and asked Zhan Cheng to accompany her to the bank's credit center business hall.

The two walked into the door of the business hall of the bank's credit center, and the salesman sitting behind the counter glanced up at them, but ignored them.

In recent years, personal loans were mainly student loans for poor students and personal housing loans, and student loans were often only a few thousand yuan, which many county-level credit cooperatives could handle; in terms of housing loans, because housing prices are not high at present, and the payment amount is relatively high, a house can be loaned at most 100,000 yuan.

This bank credit center usually mainly handles some large business of corporate loans, so when Zhan Cheng and Fang Mushu walked in, the salesman knew at a glance that they were not entrepreneurs, so naturally no one took care of them.

In desperation, Zhan Cheng and Fang Mushu walked to one of the counters and sat down, while the credit clerk opposite was still typing on the keyboard and ignored them at all.

"I want a loan. Fang Mushu said directly.

The man still didn't look up, but looked at the computer and said directly: "You have to go to the school to issue a certificate for a student loan, and then you can go to the credit union or the Agricultural Bank of China to get it." ”

"I'm not going to take out a student loan, I'm going to ......"

Fang Mushu was halfway through speaking, but was interrupted by the other side.

"Housing loans also have to be proven. The man raised his head a little impatiently, and glanced at Fang Mushu, he was so beautiful, he was attracted for a while, as for Zhan Cheng next to him, he couldn't see it at all.

"We want a mortgage. Fang Mushu said, Zhan Cheng took out the company's business license and real estate certificate, and Fang Mushu continued: "I want to use the company's real estate as collateral to take out a loan." ”

The salesman looked at Fang Mushu with a curious expression, starting a company at such a young age.

He took the real estate certificate, didn't look at the business license at all, opened it and looked at the address, and said: "Shop, you can take a loan, the name on the real estate certificate is Zhan Cheng, is it you?"

"It's me. Zhan Cheng hurriedly handed his ID card to the salesman, he didn't expect the staff in the bank to be so enthusiastic, and the employees in the credit center were so arrogant and ignored.

Because they were begging for help, they both endured it.

The salesman looked at Zhan Cheng and then said to Fang Mushu: "The value of these 5 sets of shops still needs to be evaluated by professionals from our bank, but I estimate that with these 5 sets as collateral, there is no problem with a loan of 1 million." ”

"Then is there any other way to borrow more?" Fang Mushu asked.

"There is definitely a way. The salesman then asked, "How much do you want to borrow?"

"2 million. Fang Mushu replied with difficulty.

The salesman was embarrassed and said: "This needs to be approved by our manager, it is estimated that it is difficult, if it is 1 million, I can help you handle it." ”

"One million, I don't have more than so many stores!" Zhan Cheng said.

"The value is the value of the mortgage is the mortgage, with my authority can only reach one million, if it is more than one million, it needs the approval of the director in charge, or the president, and if you can find a suitable guarantor, you can also borrow more. The salesman said.

Zhan Cheng directly refused: "I have no other relationship, just take out a loan of one million." Saying that, he took Fang Mushu's hand and stood up, his mother's eyes looked there, the service attitude is so bad, and I want labor and management to give you performance.

Zhan became Fang Mushu's loan, and he has been holding it back since he entered the credit center, and now that the matter has not been done, will he still endure it with his current character? The salesman is not his wife, and when he went out of the door, he made several phone calls in a row to complain about the salesman.

Fang Mushu didn't expect that a storefront, including a company with a decoration value of 3 million and a bank deposit of more than 1 million, couldn't lend 2 million, which completely disrupted her steps, and she was a little dazed for a while and was pulled by Zhan Cheng without saying a word, she was completely stunned, if she really couldn't borrow money, she really hurt Zhan Cheng, it turned out that some things could not be done if she wanted to.

Zhan Cheng didn't think about it so much, after he complained happily, he saw Fang Mushu frowning and comforting, "Mu Shu, the boat will naturally go straight to the bridge, isn't there still more than 1 month!"

As soon as Zhan Cheng finished speaking, his mobile phone rang, it was an unfamiliar mobile phone number, and as soon as he got through, the other party directly identified himself as the credit officer of this bank.