The Zhou family took out an existing idle house as collateral, so the developer hastily pre-reviewed the materials on behalf of the cooperative loan bank on the same day, and accepted it if there was no problem.

The formalities were run by Feng Yiji and Zhou Tianyin, two little girls. In particular, Feng Yiji, a top financial student at Qianjiang University for four years, is now in one of the four major firms, and she is very clear about these tricks.

However, Feng Yiji's own materials have encountered some trouble.

That day, she was still very hesitant to wade into this troubled water. After calling Feng Jianxiong, Feng Jianxiong told her that she must buy it, the increase in the value of this house must be cost-effective, and the money will be there, which made Feng Yiji make up her mind - even after taking Jin Chengyi's 7 million balance in September, he will be able to have a new way to make money immediately, so that his sister does not have to worry.

Considering Feng Jianxiong's repeated miracles now, Feng Yiji's trust in her younger brother has completely exploded, almost to the extent that she believes whatever Feng Jianxiong says.

However, Feng Yiji's willingness to believe in his younger brother does not mean that outsiders, especially the bank's asset appraisers, are also willing to believe it.

The Feng family has no other property that can be mortgaged, but can only be mortgaged. The official face of the siblings can expect that if the income is not up to standard, the mortgage will not be approved.

Things didn't work out that day, and even Zhou Tianyin felt a little unreliable, and persuaded his girlfriend: "If you don't be reckless, you really can't change the plate, you originally followed me to hang out, there is no reason to admit death and buy here." ”

"No, Xiaoxiong said that this must be the most cost-effective, and I now believe in Xiaoxiong's vision the most. Feng Yiji refused, completely like a woman who was unhappy.

Zhou Tianyin bit his lip and thought about it, but he didn't want his girlfriend to be too embarrassed, so he tried to ask: "Or, what if I have more than one empty house, I will persuade my parents to mortgage another one to help you turnover?"

"Clams? Feng Yiji thought about it and suddenly felt that it was inappropriate. Although it is a best friend, after all, it is not a parent. Of course, Zhou Tianyin was so atmospheric, which still moved her.

Zhou Tianyin forced a smile and didn't take credit: "Actually, it's nothing, and it's not for nothing to lend to you without interest." It's just that the people in the bank don't believe that you and Xiaoxiong can make interest, and I'm willing to believe it. ”

"I really don't need to, I'll ask Xiaoxiong again, he should have a way. Feng Yiji tenaciously rejected her best friend's kindness.

……

That night, Feng Jianxiong and Shi Nicole returned from learning to drive.

As soon as Feng Yiji set the dinner, she told him about the trouble: "Neither of us has a qualified income certificate, and the bank will not give a mortgage." ”

Feng Jianxiong just sat down at the dining table, was stunned when he heard this, thought about it for a while, and smiled indifferently: "What's this, the income proof required for the mortgage is not necessarily a stable salary income." The operating income is also counted, I handed over the revenue and financial materials of the 'Jianxiong Business Consulting Company', plus our equity certificate, can't I also get a mortgage? ”

As soon as Feng Jianxiong mentioned this, Feng Yiji immediately remembered that Feng Jianxiong had indeed opened two companies last semester.

According to the old Company Law, a minimum of two shareholders were required to open a normal company in China. Even though the new law that was just amended in 06 has the concept of a "one-person company", there are five additional restrictions on the "one-person company".

For example, a natural person can only establish a one-person company, and a one-person company may not establish another one-person company as a shareholder. Therefore, for a person like Feng Jianxiong who has to do a lot of business and needs a lot of empty bags, he will not encounter the trouble of a "one-person company", and he will not be able to do it.

When Feng Jianxiong opened the company, he borrowed the authorization in the name of his sister, and the two of them jointly opened the company, and the money was actually all from Feng Jianxiong, and he nominally gave Feng Yiji 5% of the shares - at that time, Shi Nicole had not yet been Feng Jianxiong's woman, so he naturally couldn't trust the other party. What's more, even now, Shi Nicole's contribution is not worth taking Feng Jianxiong's 5% shares.

Feng Jianxiong didn't want to pollute Shi Nike into a money worshipper and use money to humiliate the other party. He prefers to believe that Shnicole is committed to him because of her adoration and gratitude to him.

After Feng Yiji remembered this incident, she thought about it for a moment and asked, "But aren't your two companies leather bag companies?

Feng Jianxiong smiled wisely: "My deal with Jin Chengyi was completed between a technical service company disguised as 'Jianxiong Business Consulting Company' and Jin Chengyi's special patent encounter." My contract with Kim Sung-yi can't see the light of day, and it can't be used to prove our strength. But isn't it whitewashed that the business consulting company's revenue can be seen in the future?"

Feng Yiji thought about it, and suddenly felt a little uneasy: "You asked Jin Chengyi to collect money through the shell of a business consulting company? Wouldn't you still have to give him a 10 million consulting fee ticket? What should I do with taxes then? You have no business, and there is nowhere to deduct it." ”

Feng Jianxiong shrugged: "Isn't this the money I received just at the beginning of the month, the accounts for the third quarter are still early, and we will definitely have to find a way to report the cost when the time comes." ”

Feng Yiji bit her lip and thought about it, and said, "Return the accountant you are currently looking for outside, and I'll find a way for you." You're really, if you hadn't asked about the mortgage today, you'd have forgotten about it!"

It doesn't make sense to put a sister who is an accountant at PricewaterhouseCoopers and a major shareholder at home and goes outside to find a CFO.

Shi Nicole, who has been listening like a little daughter-in-law, hung her head to peel shrimp for Feng Jianxiong and Feng Yiji, and secretly thought to herself: "It turns out that I am so useless, I haven't figured out the operation of Brother Xiong's leather bag company, and I still study law ......"

……

The bank does not handle loans on weekends, so Feng Yiji specially asked for a leave on Monday. The Zhou family's loan also still has some procedures to be completed in person, so Zhou Tianyin drove and drove the Feng family brothers and sisters and Shi Nicole to the mortgage line early in the morning.

Just after nine o'clock, the hall of the Xixi branch of China Merchants Bank was crowded, and the window number for applying for a mortgage was much better.

The tellers are all the same girls, and their appearance is at least six points, which is pleasing to the eye, and there are seven or eight beautiful women, but at the moment they are all working hard and reviewing the materials.

Cheng Yanyan, the lobby manager, was busy patrolling, helping her subordinates verify the customer's ambiguous materials and answer questions.

"It seems that the out-of-print villa of Greentown Real Estate sold well last week, and so many people came to apply for loans. And the proportion of additional existing mortgages is so high, it seems that all the speculators are making a move. Cheng Yanyan dealt with a few difficulties and rejected some unreliable applications, and she was secretly worried in her heart.

She was about twenty-six or seventeen years old, younger than many tellers. After graduating from the bachelor's degree, I came to China Merchants Bank, and I was born in loan review, and because I did a particularly good job in risk control, I was promoted to the position of lobby manager.

So even though she only has three or four years of work experience, she has a very keen eye for evaluating clients - one of the kind that many times, a glance at someone intuitively can tell how much they can get a few dollars.

Cheng Yanyan just took a breath and wandered for less than two minutes when she heard Wen Ying at counter 3 shouting to her: "Manager, there is a mortgage application here, and the property certificate is personal company revenue, can you help me see if it meets the requirements?"

Cheng Yanyan put down the teacup that was drinking Jin Junmei and hurriedly walked over. Wen Ying has a good relationship with her, she has known her since she was in college, and she is a junior who is two levels lower than her in the same major, so she naturally has to cover it a little.

She walked over quickly, and her mouth kept preaching: "What's the matter? It's okay to use the company's revenue as proof of property, as long as the flow is normal, there is no bad record of refusing dividends, and the buyer's shareholding in the company is confirmed......"

When she said this, she had roughly scanned a few pages of the materials submitted by Feng Yiji, but her brows furrowed.

"A consulting company that has only been established for so long, and it actually has so much revenue? It can't be a white wolf with empty gloves, or a bridge for people, right?" This idea jumped into Cheng Yanyan's mind almost instinctively.

After four years of loan review at the bank, she has seen too many cases of using leather bag companies to bridge funds to falsely prove her financial resources.

She subconsciously raised her head and asked, "Excuse me, are the two major shareholders named on this license, Feng Jianxiong and Feng Yiji, here? Which of you is it?"

She asked as she glanced at the group of people in front of her, and then felt that Zhou Tianyin was the "Feng Yiji"?

After all, Zhou Tianyin looks like an intellectual royal sister, and she is beautiful and mature, like a young lady from a rich family. Such a person has the support of his family, and it is not surprising that he will grow his business big.

However, in the next second, the otome in front of her, who looked like she was only 15 years old and looked like a junior high school or a senior high school student, opened her mouth, and suddenly broke her imagination: "I am Feng Yiji, this is my brother Feng Jianxiong." ”

Feng Yiji pointed at Feng Jianxiong while admitting his identity.

"So young!" Cheng Yanyan was taken aback in her heart, "Oh no, it should be so...... The boy looks like he's almost 20, but his sister is still so young, shouldn't this boy be in a hurry? How can such a company run by a child have financial resources? No, are the examiners of the industrial and commercial registration department vegetarians? How can such a young child who is too young to have the capacity for civil conduct to open a company be allowed to open a company?

Rao is her psychological quality is good, and most of her inner activities are not spoken, but a little revelation is enough to offend people. I only heard her ask embarrassedly: "Children, please don't joke with us, we are very busy......"

Wen Ying, the elementary school girl next to her, knew that she was going to suffer when she heard this, and hurriedly pulled the corner of Cheng Yanyan's skirt - she wears short sleeves in summer and has no sleeves to pull.

"Manager, their identity is fine, I have checked the documents - the girl is 21, and the man will be 19 in a few months. ”

Cheng Yanyan suddenly wanted to die: The 21-year-old girl looks like this? God is unfair! Why don't you let the younger sister grow up for 6 years, and now it's better to go out and pretend to be a 21-year-old girl!

Fortunately, she was very professional, and after calming down, she read it carefully again, and then sincerely accompanied the smile and explained:

"Ahem, I'm sorry, I didn't understand the situation just now. But Miss Feng, Mr. Feng, I don't think it's easy to get a loan for your materials - this company was established too abruptly, there is no physical business, and there is no way to prove that they can maintain such a high revenue for a long time. And your house has only a down payment of 30%, and you have to borrow more than 5 million...... With the trend of house prices uncertain, we are too risky. ”

Feng Jianxiong shrugged helplessly: "What does it mean that the company was established too abruptly and has no physical business? We rely on technical services and business information to charge, is there a problem with a monthly revenue of more than 2 million? I personally chat with people and give some professional advice, it is worth the price, are you not convinced?"