Bidding farewell to Xiao Debin, who looked worried, Xiao Fei returned to his lair, preparing to quietly study and study the changes in the spiritual world.

However, on the way, I received Wang Xiaofen's good news, the transfer of 7 buildings was completed, and the real estate certificate was obtained.

Thinking that he had become a big landlord with a property of 100,000 square meters, Xiao Fei was so excited in his heart!

Although there is a lot of debt outside, but the assets are in hand after all, as long as the property market in BH District rises a little, Xiao Fei will make a lot of money!

As for whether housing prices will fall, Xiao Fei selectively ignored it......

Now that the transfer procedures have been completed, the down payment of 30 million yuan will naturally be transferred according to the regulations, and it is not interesting to delay it for a day or two, but it makes people look down on it.

With such a large amount, the transfer authority of personal online banking is naturally insufficient, and it must be operated over the counter.

When he came to the branch, Xiao Fei went to Li Shengnan's office, one was to explain the situation, otherwise he would inexplicably transfer 30 million, Li Shengnan didn't know what he would think in his heart, and the other was to talk about Pang Hailiang.

"30 million is going to be used so soon, the property has been bought?"

"Yes, the transfer of ownership of the property has been completed, and this last payment will naturally have to be paid. ”

Obviously it was a small down payment, but Xiao Fei was seriously said to be the final payment, his face was not red and his heart was not beating, and the level of talking nonsense when he opened his eyes grew rapidly.

Li Shengnan also does not doubt him, after all, the previous things have proved the strength of the Xiao family, "Last time you said that there is a follow-up need for funds, I don't know if it has been solved now?"

"Yes, of course, there is, this investment is actually my first large investment, the family hopes that I can complete the plan independently, it can be regarded as a test, 30 million balance payment, I now have more than 4 million in my account, I also have a small business, but a week is more than 2 million profits, and the follow-up investment gap is not small......"

The profit of more than two million a week is still a small business, this tone, this awesome blowing, I feel like I have a fight with Ma Yun!

Regarding Xiao Fei's bragging, Li Shengnan did not doubt him, because in less than two weeks, Xiao Fei's account received three more funds, the less than 1.2 million and the more than 1.3 million, which is basically consistent with the number Xiao Fei said......

"You yourself are the director of the marketing department, you know the loan better than me, if you can meet the conditions of our bank loan, you can directly take out a loan in our branch, after all, the fertilizer does not flow into the fields of outsiders......"

Xiao Fei thought about it, thought for a while, and said: "This business is my own business, I can make a decision about the loan, from the perspective of the loan conditions, it is completely in line with our bank's regulations, the use of funds and guarantee measures are compliant, but the public is public, private is private, after all, it is my own money, I will not beat around the bush, how much can President Li give me the minimum loan interest rate?"

This negotiation is a bit interesting, Xiao Fei is a bank insider, and there is no such thing as interest rates that is clearer than him, how can this be discussed?

The key is that Li Shengnan and Xiao Fei are still allies, which is even more difficult to say......

Li Shengnan was also in trouble, he struggled for a while, gritted his teeth and said: "Twenty percent up, it can't be lower, otherwise I won't be able to explain to the branch, you know ......"

The current benchmark interest rate for one-year bank loans is 6.06 percent, and the benchmark interest rate for more than five years is 6.6 percent.

As an insider, Xiao Fei is simply afraid of one-year loans, I really don't understand how banks can have such a strange way of lending!

A one-year loan means that after the loan is disbursed today, the borrower will pay interest on a monthly basis, and when the principal is due today next year, the loan principal needs to be repaid in a lump sum.

However, bank loans are relatively large amounts, tens of millions, or even tens of millions of funds, even if they are issued once, they must be repaid in one amount, how can normal enterprises have this ability?

Most bosses borrow bridge funds through small loan companies, and quickly re-approve and issue loans after repaying the loans, so as to complete the connection of the capital chain.

There are three major problems in this, one is the need to bear a high amount of bridge fund interest, Badu's current market price is four thousandths of a day, this data does not look big, but if converted into an adult interest rate is 144%! Borrow 1 million, and repay 2.44 million after a year! This is still without calculating compound interest, if you calculate the interest rolling, you can't beat three million, and your scalp is numb when you think about it!

Second, if the bank withdraws a loan, fails to approve it, and is unwilling to lend money, then congratulations to the boss, you are doomed! Paying interest will kill the enterprise, and the specific interest is shown in Article 1......

Third, in case the loan expires, and you suddenly find that you can't find the bridge funds, then you have to congratulate the boss, your loan is overdue, and it will become a bad loan in two months, and then the bank will sue, the boss will go to court, and then the bank will discount the auction collateral, and finally the boss will find that the 10 million property is only sold for less than 6 million, and the auction money is not enough to repay the bank loan principal plus interest!

In the end, the end of the boss is very tragic, the fixed assets are gone, and he still owes a lot of debts to the bank, and he will never be able to turn over......

However, normal enterprise loans in the bank are one-year, long-term loans are rare, because the long-term loan approval conditions are harsh.

In addition, the account manager of the branch is also reluctant to give the boss a long-term loan, because the short-term loan is approved once a year, and the boss asks for it every year, and a small gift and small rebate are naturally indispensable.

But if you make a long-term loan, the boss won't pay attention to you for a few years after the loan, then it's still a hairy play!

Therefore, Xiao Fei will definitely not ask for a short-term loan, either not doing it, or making a long-term loan.

As for what kind of long-term loan to do, Xiao Fei has already studied it, Huaxia Bank of Communications has a variety called business property loans, which can be loaned for up to ten years and repay the principal and interest of the loan in monthly installments, which is somewhat similar to a housing mortgage loan.

This loan is good, ten years of installment repayment, the pressure is relatively small, if the house price rises, Xiao Fei has 10,000 ways to carry out capital operation, in case the house price does not rise, it doesn't matter, through the property rental can regularly collect a part of the rent, plus the money earned by the yellow eel clone, there is no problem in repaying the loan principal and interest in installments......

According to the benchmark interest rate of 6.6%, the increase of 20% is 7.92%, which is a very low interest rate, after all, it is a private enterprise, and the benchmark interest rate of 10% for government project loans such as railways and airports is naturally incomparable!

That's right, you read that right, it's 10% down, almost a loss to make money, who makes the family have a state-owned background?

The interest rate given by Li Shengnan can be said to be completely in line with, or beyond Xiao Fei's expectations, and the bottom line in his heart is to rise by 30 percent......

Governor Li is so authentic, Xiao Fei naturally doesn't know how to ink anymore, and readily agreed, "Yes, then thank Governor Li for helping, I hope the cooperation will be happy in the future!"

Xiao Fei got up and shook hands with Li Shengnan very formally.

Well, soft and refined, as if there is no bone, it is really well maintained!

It's no worse than Erba Fanghua's little sister at all......

Verbally reached a consensus on cooperation, and Xiao Fei arranged for the specific loan operation to be done by himself.

This feeling of being both an athlete and a referee is cool!

It is equivalent to saying that Xiao Fei's loan has passed the test before he has applied for it, and only the approval level is left......

With a relaxed and happy mood, Xiao Fei rushed to the last train before getting off work and transferred 30 million to Zheng Yihua's personal account at the counter.

Seeing that the deposit data on the account changed from eight figures to seven figures, Xiao Fei's heart ached.

There's no money again! What is 6.7 million enough?

However, facing the adoring eyes of the little beauty Fang Fang on the counter, Xiao Fei forced out a charming smile.

"Manager Fang, you've been working in our branch for many years, right?"

Seeing that Xiao Fei didn't leave after transferring the money, and chatting with himself, Fang Fang was flattered, "Yes, Director Xiao, I have been working in the outlet for more than four years......"

"It's been four years, it's been a long time, have you ever thought about changing jobs......?

"Of course I think about it, Director Xiao, is your marketing department ready to recruit again?"

"I can't say that right now, but you can prepare for it first. ”

Xiao Fei has this idea, but the outlets of the Haizhou branch are also short of people, and three people have just been dug up, if the director of the outlet knows that Xiao Fei wants to dig the foot of the wall again, it is estimated that he will use a knife to cut people!

"Okay, I understand, thank you Director Xiao, please take care of me more in the future......"

"That's a must, there are preferential treatment everywhere beauties......"

"Oh, Director Xiao is really joking......"

Although Fang Fang's beauty is a bank lady, she is a girl after all, and when Xiao Fei teased her a few words, she was a little unbearable, and the roots of her ears began to redden......

There are many people in the counter hall, and there are eyes on the partition wall, Xiao Fei can stop at the right time, and he can't destroy his glorious and majestic image!

…………

On Saturday, Xiao Fei enjoyed a full holiday for the first time in two months, a one-man holiday!

I stayed at home for a whole day, neither socializing nor going out with my fox friends.

The spirit was all transferred to the yellow eel clone, and as the yellow eel ran around in the clear reservoir, a feeling of being completely integrated into nature penetrated into Xiao Fei's cells, and he felt that the hair follicles all over his body were stretched, and he was indescribably relaxed......

After completely integrating the spirit of the yellow eel clone, there is an essential difference in both the degree of control of the yellow eel's clone and the degree of intimacy with nature.

Because there was no contrast, he didn't feel too awkward before, but after the complete fusion, the sharp contrast between the front and back, Xiao Fei found that everything he perceived through the yellow eel clone was like a film separated by a film, and it was just an itch in the boots.

In addition, the heat and dryness in the body of the yellow eel have all subsided, and the amount of food has returned to normal, but it is completely higher than before the molt......

Because in just four days after molting, the yellow eel was stunned from 145cm, 2600g, to 175cm, 5000g!

A yellow eel that is about the same length as an adult and weighs ten catties, Xiao Fei feels terrifying when he looks at it......

After the yellow eel doppelganger molted, his weight nearly doubled, but the length increased slightly, which gave Xiao Fei the feeling that he was stronger and more solid!

Flicking its thick tail and twisting its thick body, the yellow eel doppelganger was racing at high speed in the water, and the huge body frightened the small fish scurrying around.

Now is different from the past, the size of the yellow eel clone has changed too much, and it used to dare to pet its various fish, but now it is like a mouse seeing a cat......

Jiang is really still spicy in size, this size, as soon as he appeared there, he suppressed a small animal......

During this time, I have been busy with work and eager to make money, and I haven't been working in the water with the yellow eel clone for a long time.

The yellow eel clone is swimming in the water, attracting groups of yellow eels to get into the hole......

This efficiency has blossomed Xiao Feile!

After the rebirth of the yellow eel's doppelganger, the volume expanded, the spirit was completely integrated, and the control of the yellow eel group was unprecedentedly strengthened.

"But it's a pity, if this ability can be embodied in Xiao Fei, it will be awesome......!