Chapter 23 Funds in hand

After the morning meeting, Xiao Fei fell into a busy day.

The main thing is to reserve the loan of the hotel full building, and at 10 o'clock, I received a call from Jin Haizhou.

"Hey, brother, I've found someone from the real estate bureau here, and the real estate warrant has been completed. ”

"Okay, I'll go get it now. ”

"That's troublesome brother, let's get together in the evening. ”

"Okay, in the afternoon in contact. ”

Jin Haizhou mentioned the evening gathering, obviously referring to Xiao Fei signing a contract to borrow money.

Take a taxi to the real estate bureau and get the warrant of other items smoothly.

Grandma's, the real estate bureau's grandsons are also dark enough.

All the mortgage of the loan property must be handled at the real estate bureau, not to mention the preparation of a lot of materials.

It will take five working days to receive the materials, plus weekends, that is, seven days to get the warrants.

Whether it is a business or a personal loan, it is a matter of urgency, and the real estate bureau is stunned to delay it for 7 days!

If you want to be fast, there is a copy shop downstairs in the real estate bureau, and there is a special person responsible for helping to dredge up the relationship, so you can get the certificate quickly.

Clearly marked price: 500 yuan for three days, 1,000 yuan for two days, 2,000 yuan for the same day, and 3,000 yuan for on-site processing.

Sure enough, there is a way to make money!

Xiao Fei met a customer who was in a hurry, gave 3,000 yuan, and the two went directly into the back door.

I saw the staff take an empty notebook of other warrants and stuff it in the printer, and it ended in five seconds, it's that simple.

It's just that you have to make the customer wait for 5 working days, and you can go through the procedure of 100 people!

It's too awesome, Xiao Fei said that he couldn't accept it!

Xiao Fei fantasized at that time that if this mortgage agency was privatized and contracted by himself, he would become a multimillionaire that year!

Back in the line, Xiao Fei reviewed the information one last time to make sure there was no problem.

As soon as I got to work in the afternoon, I took a taxi to the branch office.

"Credit Management Department"

It is responsible for the final review before the loan is disbursed, and the sub-branch can issue the loan to the customer's account after the approval is passed.

As soon as Xiao Fei arrived at the branch, he met several acquaintances from other branches.

"Hey, Xiao Fei is going to work so soon, are you okay?"

"It's been fine for a long time, isn't it just a bite from a yellow eel, a trivial matter!"

"Awesome, how big are you raising yellow eels? so fierce? I'll visit you another day. ”

"You don't have a chance, I've already taken revenge, and the yellow eel has become my tonic, hahaha......"

Colleagues along the way, whether they knew each other before or not, would be surprised to greet each other.

Xiao Fei is in a good mood now, others ask and answer themselves, and by the way, he also ridicules a few words, and he is happy.

When I came to the credit management department, it naturally attracted a wave of curious onlookers.

The loan review materials were assigned to Liu Zhibao's old employees, who were specifically responsible for the review of loan materials, and had rich experience, and Xiao Fei had taught him several times.

The person is not bad, the professional ability is very strong, after all, he has been a front-line loan officer for many years.

Xiao Fei was basically a good treasure in front of people before, and he respected these old employees very much.

People are like this, especially old employees, who want to be respected and recognized by their juniors, and sometimes face is more important than the inside.

The material review went smoothly, and the two of them chatted and reviewed, and the review was passed in 20 minutes.

Xiao Fei was also very happy, and it was beyond imagination.

Of course, this is also related to Xiao Fei's very serious work on this loan material, and everyone will care about things related to his own vital interests!

"Mr. Jin, the loan has been approved, I will now arrange for someone to lend, you pay attention to check the account. ”

"So fast, great, I'm waiting for you at the hotel. ”

Xiao Fei called Liu Shuyu and asked him to help with the loan, Xiao Fei did not go back to the bank, and went directly to Jinmanlou to enter the store.

When he arrived at the hotel, Jin Haizhou was already waiting at the door.

"Hahaha, Brother Xiao, it's going well today, so fast!"

"It depends on whose loan it is? Everyone else has to queue up......"

Xiao Fei's meaning is very clear, he is helping to make a big effort, and Jin Haizhou should do the rest.

"Okay, I won't say more thanks, let's go in and sit. ”

Came to the office and the finance staff was present.

Xiao Fei saw the loan agreement on the table, and this Jin Haizhou was also refreshing.

Since you have agreed, if you procrastinate, you will leave a bad impression on people, and the gains outweigh the losses.

Xiao Fei sat on the chair and read the agreement, the content was very simple, it was what he said before.

No, it's actually missing a piece of content, and there is no mention of a second mortgage and another 1 million, which is interesting, and it seems that there is a following.

"Yes, no problem, then thank you brother for your support. ”

"Where, support each other, and ask my brother to help me more in the future." ”

Xiao Fei listened to Jin Haizhou's meaning, and was ready to make a loan......

No matter how much he has, as long as there is collateral and the procedures are complete, who is the loan not a loan?

Anyway, it's not Xiao Fei's own money......

Happily signed the big name, and the two million were basically in hand, although they had to be returned......

On the other side, the financial officer holds the company's official seal, in duplicate, and stamps the seal.

"Brother, do you mean to take out another loan?"

"It's what my brother meant, now Badu is developing too fast, one day at a time, it's too slow to rely on your own money without a loan. ”

"That's right, the key is that you still have collateral? Brother, I have to make it clear, I definitely can't take out a loan without collateral. ”

"Of course I understand this, my brother has a single-family villa in Tangxi Community, SS District, about 600 square meters, ready to use it as a mortgage, can you help me see how much I can do?"

"Oh, Mr. Jin is strong, the most expensive villa area in Badu, and now the unit price is 13,000, right?"

"Almost, when I bought it in the first two years, it was more than 8,000, and the appreciation in the past two years has been very fast. ”

"According to the unit price of 13,000, it is 7.8 million, and you can probably borrow 5.5 million. ”

"When are you going to take out a loan? Definitely not this month, just a loan and another loan, it's not easy to approve. ”

"There's no hurry, apply for it next month, and I'll use it before the end of the year. ”

"No problem, it's on me. ”

The two traded for money, reached an agreement, and were both satisfied.

At this time, Jin Haizhou's phone rang.

"Hey, okay, got it. ”

"Hahaha, brother, the loan has arrived"

"How are you going to transfer these two million?"

"This is my father's account, you can just transfer it directly, you must use the money from your other bank accounts to transfer, the loan just released by the universe bank cannot be transferred. ”

It turned out that according to the regulations of the Traitor Association, the loan funds are used for a specific purpose and cannot be used casually.

Later, the bank will track whether the funds are used according to the application plan.

Therefore, the 2 million borrowed must be borrowed with the money from other accounts of Jinmanlou.

Watching the financial staff transfer 2 million to the account of the old man Xiao Jianguo, Xiao Fei finally breathed a sigh of relief.

The arrangement during this period of time has not been in vain!

On October 10, 2011, after the "Double Ten Agreement" between Xiao Fei and Jin Haizhou, the assets finally reached 2 million, and of course, the liabilities also reached 2 million......

"Brother, don't leave at night, let's have a meal together. ”

"Okay, then it's better to be respectful than to obey. ”

Xiao Fei, who was in a good mood, also hung a bookbag, showing off his literary level coaxingly.

In fact, his language is a mess at all, and his language will be delayed in the college entrance examination, otherwise he would have entered Mizuki University......

That's a lot of sass!

The two came to a luxurious private room and called Wang Xiaofen and another beauty, named Liu Lili, a beautiful accountant in the finance department.

The four of them started to fight eggs, and this egg breaking gradually rose in Badu, and it is now very popular.

There is a saying that if you don't break eggs before eating, you don't eat!

The four of them played for half an hour, and the others finally came one after another.

There are people Xiao Fei knows, and there are people who don't.

There are two acquaintances, Li Shaohui, the fat man of Tongqing Building, and Liu Yi'an, the boss of civil engineering.

The other two don't know.

"Come, Brother Xiao, this is Hou Yong, Mr. Hou, and the CEO of Badu Shanshui Company. ”

"This is Lu Heng, Mr. Lu, don't look at Mr. Lu's age, that is the self-made rich generation of Badu, and now he is the president of Badu Hengcheng Group, doing automobile 4S shop business. ”

"Two CEOs, this is my little brother, I work in the universe bank, and my loan is all handled by Brother Xiao, everyone knows each other. ”

"Hello Hello"

"Lucky to be lucky"

We didn't know each other very well when we first met, so we just politely exchanged business cards.

The time was almost up, Jin Haizhou greeted and served food and wine.

Several people sat apart, and next to Xiao Fei were Wang Xiaofen and the newly acquainted Lu Heng.

China's wine culture has a long history, and it is not unreasonable that there is no banquet without wine.

A few unfamiliar people drank together, bragged, and soon became acquainted.

After three rounds of drinking, each fighting for himself.

Xiao Fei and Lu Heng were close, and soon the two of them had a few glasses of wine.

After chatting for a while, I found that the two were still fellow villagers, both from Longshu County, and they immediately became even closer.

"Mr. Lu, you are making cars in Badu, which brands do you mainly do?"

"At present, there are two brands, one is the local Chery, which is in the middle of the grade, and the other is the German Volkswagen, which is in the middle range. ”

"Oh, Volkswagen is good, I like this car more, I'll go to your store another day to have a look, if you look good, you have to give my brother a discount!"

"Brother Xiao, you're kidding, buy the public, that doesn't fit your identity......"

"What identity is not identity, it is all virtual, we should also pay attention to the impact in the bank, generally do not drive luxury cars. ”

Good guy, this Xiao Fei drank a little wine and began to brag with his eyes closed again.

If you don't have a yellow eel clone, you can't even afford the two thousand yuan in your pocket......

"Brother Xiao said the same, low-key, low-key, we are all people with status......"

The two narcissistic drunkards began to blow each other for a while, which was really awesome and couldn't stop at all.

After agreeing to look at the car at an unclear time, the two finally stopped.

Even Wang Xiaofen next to him couldn't stand it......

At this time, the fat man Li Shaohui ran over with a wine glass, hugged Xiao Feise and whispered in his ear.

"How was that night?"

"You know it's cool to see she's so clingy now, hehehe......"

The two of them laughed for a while, this fat man is very good at things.

The two of them drank two glasses of wine in a row.

"Brother, don't stay in Jinmanlou all the time, come to my Tongqing Building another day to sit down, I'll introduce a few punctual girls to you, and I guarantee your satisfaction!"

"You know me, brother, no problem, this week, just this week, Thursday or Friday, you set a time, I will be there." ”

"Okay, that's it. ”

The two of them had a glass of wine, although they were dizzy, but Xiao Fei's mind was still sober.

This Li Shaohui is so active, nine times out of ten he also wants to find Xiao Fei for a loan.

No matter how much he does, he is not staying in the universe now for that salary, but just to accumulate contacts.

Li Shaohui wanted to take out a loan, and the two of them were on the line, just like Lang was in love with the concubine, and the firewood was dry.

As soon as Li Shaohui left, Xiao Fei hadn't eaten two bites of food, and Hou Yong, who was decorated with landscapes, also came over.

Damn, it seems that the signboard of Huaxia Bank of Communications is really loud.

They all came over one by one, and they didn't know if they wanted to take out a loan or do something.

"I'm holding it up, I'm calling Brother Xiao, come, meet for the first time, do one"

The two chatted while drinking, they met late, and after talking for a long time, Xiao Fei understood it.

I don't want to take out a loan, but I want to do business with the universe.

It turned out that Cosmos had a group purchase community project in Binhu, which was about to be completed and accepted.

There are hundreds of houses here, the decoration is a big cake, and the landscape decoration wants to be taken down, but unfortunately it has not been able to find a way.

No, I just want to ask Xiao Fei for news, and if there are dates or not, I will hit a shot first.

Xiao Fei didn't know much about this situation, so he could only say that he would go back and help inquire.

These businessmen, they are really unprofitable!

They are all like monkeys, but Xiao Fei has also learned a lot from dealing with them.

After eating and drinking, several bosses began to coax the second game, and the people present were all old drivers, and everyone understood what it meant.

Xiao Fei was also eager to try, but he saw Wang Xiaofen next to him staring at him with a pair of big watery eyes, which meant obviously.

"Guys, I still have something to do at night, so I can't participate, you guys have fun. ”

Xiao Fei felt distressed for a while.

Nima miscalculated, and she must not take Wang Xiaofen when she comes out to play in the future.

Well, it seems that it will be more convenient to go to Tongqing Building to eat in the future.

"Clearly, Brother Xiao is responsible for sending Wang Xiaofen's beauty home at night, you have to do a good job, you must do a good job of service, and make the beauty satisfied......"

"Hahaha......"

…………

The perverts coaxed for a while, and the silver laughed constantly.

After drinking some wine, Xiao Fei's cheek was not bad, so he simply hugged Wang Xiaofen and walked away in a dashing manner under the envious eyes of the hooligans......