Sun Fan's next two days, life was more difficult, although An Mengxin did not arrange much work for him, but after other departments learned about the first day of the meeting, the detailed planning meetings of the next departments came to invite Sun Fan to participate. As the boss, Sun Fan is not easy to shirk, so in the next two days, Sun Fan was forced to participate in the strategic meetings of the information technology center, brand management center, supply chain center and other centers, and was also invited to make an important speech in each meeting, which really burned out a lot of Sun Fan's brain cells.

It wasn't until Thursday, the last day of leaving for HN to attend the auction, that Sun Fan finally received a call from Gong Hao. Gong Hao told him on the phone that the bank that was suitable for the loan had already contacted Sun Fan, and he just had to wait for Sun Fan to apply with the information.

Sun Fan, who was pestered by a bunch of leaders of the company to hold a meeting and was having a big head, had a suitable reason to refuse to attend the meeting. So when Sun Fan received a call from Gong Hao on Thursday morning, he immediately sorted out the real estate contract for the loan, and asked An Mengxin to help him pull a business report of Fanke Fashion for use when taking out a loan.

Finally getting rid of all kinds of meetings that made him sad, Sun Fan came to the Hecheng Commercial Bank he had patronized before with a happy mood. And Sun Fan came with the general manager of the company's financial center, Professor Wan Jia. Sun Fan used to do everything himself, because there was no manpower around him, now that the conditions allow, there are professional financial personnel around him, the lazy Sun Fan, Sun Fan, who can steal a little lazy, of course, has to pull Wanjia up.

Wan Jia, who had completely resigned from the school two days ago, was also very happy to be able to go out with his little boss. After all, this is the first time that Sun Fan has asked him to go out to run errands together, and he rarely showed his face in front of Sun Fan before, and when he learned Sun Fan's purpose, he readily agreed.

The one who received the two was Wang Weiguo, who now has a good relationship with Sun Fan. In fact, Gong Hao didn't come to Hecheng for a long time, and there was only one "financial person" he knew, Wang Weiguo, fortunately, Wang Weiguo knew his identity, and immediately agreed after hearing Gong Hao's request.

However, when the two met Wang Weiguo, Sun Fan was a little surprised that Wang Weiguo and Wan Jia knew each other, and they seemed to have a very good relationship, at least much closer than the relationship between Sun Fan and Wang Weiguo. As soon as the two of them met, it was like brothers meeting, their hands were tightly clasped together, and they didn't let go for a long time, and Sun Fan broke out in a cold sweat.

Sun Fan looked at their hands that didn't let go for a long time, and first said, "President Wang, do you know Professor Wan?"

Wang Weiguo laughed, and finally let go of his hand and said: "I know, why don't I know, Professor Wan happened to be my teaching assistant when I was in college, and our bank will invite Professor Wan to teach every year of training." ”

Shaking his head, Wang Weiguo turned to Wan Jia and said, "Some time ago, you told me that you were going to go to the sea to do financial work in the company, but I didn't expect it to be this kid's company." ”

After speaking, Wang Weiguo's eyes unabashedly revealed a look of pity, after all, he also knew about Sun Fan's Taobao store before.

Wan Jia shook his head indifferently, after all, he worked in Sailker, and he knew the current situation of Sailguest very well. Like the group of young people in Sailker, he is full of confidence in the development of Sailker's fashion. Although he initially came to work at Sail on a part-time basis. But now, just this week, he's completely a sailor.

The three of them came to Wang Weiguo's desk and sat down. Sun Fan first took his real estate certificate on Yuehe Street from Wan Jia's hand and handed it to Wang Weiguo.

Wang Weiguo flipped through it casually and nodded to indicate that there was no problem. After that, Wan Jia handed another document bag in his hand to Wang Weiguo.

Wang Weiguo's eyes were a little surprised, and while opening the document bag, he asked, "What is this, Professor Wan?"

Wan Jia smiled and said: "This is our company's business report, didn't our boss promise to open an account in Hecheng Bank in the future? So in order to facilitate the cooperation between the bank and our company, I will first show you our company's business report, which is also to facilitate future cooperation." ”

Wang Weiguo smiled slightly after listening to Wan Jia's words, and he didn't care. He took out the document and looked at it, and as he browsed, Wang Weiguo's eyes gradually changed from casual to serious.

After a while, when Wang Weiguo read the entire business report, he couldn't help but say: "This is the operating and financial report of Fanke Fashion, from April to this month?"

Sun Fan and Wan Jia nodded together with a smile. Wanjia still had a slight smugness on his face, and said: "Yes, this is the recent operating and financial report of Fan Ke. What do you think?"

"Okay, very good! Professor Wan, I now kind of understand why you resigned from the university. "Wang Weiguo Road.

Hearing Wang Weiguo say this, Wan Jia seemed very happy, shook his head and said, "It's not all because of this. To be honest, I've been teaching all my life, but I haven't really practiced the financial knowledge I have learned in the company. I also wanted to see if the things I learned in school were really useful in the company. Luckily, I still have some experience in corporate training, otherwise I wouldn't have been able to do the job. After saying that, he sighed a little embarrassed.

After listening to Wan Jia's words, Wang Weiguo was also slightly stunned. Sighing slightly, he said: "Indeed, the current school education is indeed a bit out of reality, think about the current teachers, who only teach written knowledge, but they don't understand the current situation of the enterprise at all." Even the teachers have been detached from reality, so how can the students they teach not run into a wall in society?"

Regarding Wang Weiguo's words, Wan Jia nodded in agreement.

After talking about the topic of education, Wang Weiguo went back to the topic and said: "Xiaofan, Gong Shao has already told me about the specific situation before. According to the market, the shops on Yuehe Street have indeed appreciated a lot in value in the past two months. But considering the loan you already have, I will give you a loan of up to 90% of the original value. ”

Sun Fan frowned and said, "Brother Wang, after the plot of land on Yuehe Street starts to be rented, the rent has risen by at least 20%-30%, and my property can at least appreciate by this proportion, right?"

"Xiaofan, the loan of Nanhu Mansion before, you should know in your heart that I took a big risk. Although the rent has risen now, after all, it has not yet started to officially sell. Moreover, the specific value of the property is not calculated according to the market valuation, which needs to be assessed by a qualified appraisal company. "Wang Weiguo Road.

"But Governor Wang, you should also be clear. Since the beginning of this year, domestic housing prices have been in an upward channel due to the stimulation of the Olympic environment such as the Olympic Games, and have generally risen by 20% since the beginning of the year, and house prices will definitely be higher by the end of the year.

Listening to Sun Fan's words, Wang Weiguo still shook his head.

At this time, Wan Jia interjected: "President Wang, real estate appreciation is an objective fact. If you don't feel at ease, then you will be guaranteed by our boss in Fanke Fashion, do you think it's okay?"

Listening to Jia Yue's words, Wang Weiguo frowned, picked up the sail fashion business report in his hand and looked through it, thought for a while, and said, "That's it, Professor Wan." You just need to be able to do an authenticity appraisal of the business report. If Fanke Fashion gives Xiaofan a guarantee, then there is no problem. ”

"That's fine, I can get it done. Wan Jia replied, and after speaking, he looked at Sun Fan with inquiring eyes.

Sun Fan lowered his head and thought about it, in fact, he didn't really want Fanke Fashion to vouch for him. He always felt that the guarantee was not good, and in his previous life, he had seen too many companies, and he ended up hurting himself because of the guarantee for others. But this plan is Wanjati's, and it shouldn't hurt itself.

So Sun Fan asked: "If Fanke Fashion gives me a guarantee, will Fanke Fashion be risky?"

Wan Jia smiled slightly: "There is definitely a risk, if you can't repay the loan by then, then there will be a risk in Fanke Fashion." But now that Fanke Fashion is yours after all, these risks are still on you. It shouldn't be too much of a risk for you. ”

As soon as Wan Jia explained this, Sun Fan's worries suddenly disappeared a lot, and he was still confident in the appreciation of real estate, anyway, as long as the real estate in his hands remained appreciative, it would not be too risky for him.

After figuring this out, Sun Fan said to Wang Weiguo: "There is no problem with fanke fashion to vouch for me." Governor Wang, how much valuation can you give me after the Fanke Fashion guarantee?"

Wang Weiguo thought for a while and said: "In this way, take a median value and increase by 25% on the basis of the original property value, which is exactly 300 million yuan, what do you think?"

The market value is 300 million, and the loan that can be obtained is 270 million, and Sun Fan is still quite satisfied with this price. So he nodded, indicating that there was no objection.

Wang Weiguo said again: "Okay, then you go to the asset appraisal company to make an asset appraisal report, and after the report is obtained, I will lend you within a week." ”

"Okay, no problem. I happen to be familiar with Brother Qiang's asset appraisal company, and that company is also familiar with these properties, so I'll let Brother Qiang help me get an appraisal. Sun Fan said.

"Boss, is the Brother Qiang you are talking about Shen Yuqiang from the Hecheng Hotel?" asked Wan Jia.

Sun Fan nodded.

Wan Jia smiled and said, "That's it, I also know Shen Yuqiang." I remember that you are going to HN tomorrow, boss, if you believe me, then let me run for you. ”

Sun Fan has nothing to worry about these things, and he himself is too lazy to run, and he still remembers the previous experience. Without thinking about it, Sun Fan agreed.

Next, several people discussed the details of the loan. The loan tenure is the same as before, 5 years, and the interest rate is 3.9% per annum. As for the time for the funds to arrive, it will take about 1.5 weeks as a whole, after all, Wanjia still needs to do business appraisal and asset appraisal reports, which will take time.

Everything was negotiated, Sun Fan wanted to invite Wang Weiguo to dinner, but it happened that he happened to have something to do today, so he couldn't accept the invitation. So the three of them invited each other to have dinner together after Sun Fan came back from HN.