Zhao Zejun returned to Jianwu City this time, mainly to do one thing: loans!

In his generation, they are actually very resistant to borrowing money from the bank, which is risky and stressful. Pen & Fun & Pavilion www.biquge.info

Especially for those who have experienced the repayment of the mortgage, when they hear the word loan, their scalp is numb, and they are afraid of repaying the mortgage, and they are working for the bank every month, and they are quite depressed that they have nothing to love and can't die.

Even if I have been doing business in this life, I still instinctively resist loans.

Nearly ten years of experience in the last life, many ordinary people's thinking patterns, and even the idea of small peasant economy, have been deeply imprinted in the bones, after crossing back, people are still the same person, thinking will not change immediately, even if more than four years have passed in this life, and the original small boss is like two people, but I dare not say that it is 100% reborn.

But this time, Zhao Zejun figured it out.

In the real estate market, the investment of hundreds of millions, billions, or even tens of billions of dollars is often relied on to raise money everywhere, which is really unreliable, and it is not enough to drain the blood of other companies.

The Internet also burns money, but the Internet can raise money, and it is actually other people's money that is burned.

For real estate developers, loan expansion projects are not entirely risky, on the contrary, they are in line with the scientific laws of the industry.

For example, Zeye, a property in Zeye Square is placed there, it itself is a fixed real estate, in addition to collecting rent, to give full play to the value of this real estate, it is the best way to use it for loans.

With a square of non-stop mortgages and loans, calculated in turn, hundreds of millions of assets, in the property rights cycle of decades, can raise tens of billions of funds for themselves, and it is completely reasonable and legal. The funds are then used to expand more projects.

This is the way of 'snowballing' commercial real estate, otherwise relying on the money from selling buildings and collecting rent, a little bit of saving, saving enough, and then going to build the next Zeye Plaza, and when Lao Zhao's beard is white, he will not be able to occupy the southern market.

If there is an industry without loans, it is tantamount to using the peasant thinking of the feudal era to carry out capitalist operation.

In the future, Zeye will be short of money, so he doesn't have to pick and choose here and there, and he will take out loans and use bank money.

Sushang Bank is a previous cooperative unit, in the last loan of 80 million, the other party gave the lowest interest rate, the procedure is simple, and the relaxation is also very fast.

However, this time Zhao Zejun kept an eye on it, after all, Sushang Bank is a small local bank that has only been established for a short time, and this loan is not a small amount of tens of millions.

Towards the end of the year, all banks are shrinking the monetary base, grabbing back the money, entering more and leaving less, and it is difficult for enterprises to borrow at this time.

There's also the issue of interest.

So I repeated the old trick and contacted a group of banks to let them compete on their own.

Shanghe is also very interesting, it is obviously a leisure center, but in fact, it has become the 'commercial center' of southern Jiangsu Province, an information distribution center, and many companies talk about business, including Zhao Zejun, not in their own office, but running to Shanghe.

"Didn't you sleep well last night?" Ding Lan looked at Zhao Zejun's dark circles.

"Well, I'm thinking about things." Zhao Zejun leaned on the golf cart, rubbed his temples, and looked at the small building in front of him, "Everyone has arrived?" ”

"There are a lot of people here today, I heard that Zeye wants a loan, and the banks that can be counted in the province are here." Ding Lan smiled and said, "Have you eaten?" ”

"Eat some, it's fine." Zhao Zejun replied casually and said, "Come to so many homes? ”

"Of course, it is difficult for other companies to take out loans, and you are the exception of Zezi, so a big Zeye Square pestle is there, are you afraid that you will not be able to pay back? Besides, Zhejiang Province and Southern Jiangsu Province are next to each other, every move you make in Zhejiang Province, Southern Jiangsu knows that as soon as the news of cooperation with the green country is released, you are now a golden lump in the eyes of the bank. ”

"Golden pimple?" Zhao Zejun smiled, I'm afraid she is a mother who can lay golden eggs.

If it is a loan of 1 billion, the interest will be tens of millions in a year, almost 100 million, and it is really painful to think about it.

In contrast, in Internet financing, equity is exchanged for money, and what is lost is equity; Industrial mortgages are subject to high interest and huge repayment pressure, each with its own strengths and weaknesses.

At the door of the "Flag Victory" hall, there were two little girls who opened their cheongsams to their thighs, and they shouted "Mr. Zhao is good" with a smile, and then pushed the door open.

A 'wave of people' rushed to his face, and Zhao Zejun was stunned.

Knowing that there were many people coming, I didn't expect that there would be so many, and there were at least 20 people in the hall, and the bank was full of people.

Seeing that the door was pushed open, more than 20 eyes looked at this side, and the audience was quiet for a short time, followed by a lively 'coax', and they all got up to introduce themselves to Zhao Zejun.

"Hello Mr. Zhao, I'm Li ...... from the firm"

"Mr. Zhao meets again, I'm a ...... from Bank of China"

"I am ......"

Some people are familiar, a few know each other, but most of them are new faces, and Zhao Zejun can only distinguish them by the 'badges' of their respective banks on their chests.

"Mr. Zhao...... "This is an old acquaintance who speaks, Luo Sha, the business manager of Sushang Bank, with a look of grievance.

Zhao Zejun was the first to contact Sushang Bank, after all, it is a cooperative unit, and he still needs to be creditworthy.

It's a pity that as Lao Zhao expected, Sushang Bank's policy at the end of the year was very tight, and he couldn't get the loan he needed.

Seeing a large amount of business run away, Rosa was depressed.

"It's going to rise very fast, it's the deputy director." Zhao Zejun looked at her badge and smiled.

Rosa subconsciously straightened her chest, and her badge shook obviously.

Zhao Zejun laughed in his heart, thinking that sister, no matter how big your chest is, it's useless, who made your bank unable to take out this money for the time being.

"Everyone, be quiet for a moment, and I'll say a few words." Zhao Zejun raised his hand, waited for the scene to be a little quieter, and continued: "This loan will be used for the development of two Zeye Plazas in Zhejiang Province, with a total loan amount of 700 million, and the estimated loan time is two years, with Jianwu Zeye Plaza as collateral. ”

"Mr. Zhao, our Bank of China can undertake ......"

"ICBC can lend ...... lump sum"

"ABC ......"

At this time, the advantages of the old state-owned banks were reflected, and the representatives of several large national banks and several old commercial banks spoke out without hesitation, and the representatives of several small banks obviously lacked confidence and got together and muttered quietly.

"Everyone." Zhao Zejun spoke again, "Let's still be the same, I invited you all here, you must also understand what I mean, you discuss it yourself, which one has the lowest interest rate and the fastest loan, which one I will cooperate with." ”

Zhao Zejun's first loan was in this way, not to fight with a certain bank, to bring everyone together, and let them compete internally.

"Mr. Zhao, wait a minute." The representative of the Bank of China suddenly spoke, looked at each other with the representatives of several other powerful big banks, and said: "This time you want a loan of 700 million yuan, and the speed of lending is no problem, we can urge it, but in terms of interest, I'm afraid it won't drop much." ”

"Oh?" Zhao Zejun stared at him a few times, smiled slightly, and asked the representatives of several other big banks, "How many of them mean the same?" ”

Several people nodded.

"Mr. Zhao, you also know that at the end of the year, the bank is tight, if it weren't for you, other private enterprises would not be able to lend at all......"

"After all, Zeye Plaza has not yet opened, and no one knows what the future business will be, and our bank will also take a lot of risks......

"A few more points and a few points less interest, it should not be a big problem for you, the key is to get the loan as soon as possible, and the project starts ......"

The men began to talk to themselves.

Zhao Zejun thought for a while, and suddenly smiled: "It seems that you have discussed it in advance, right?" ”

The situation is too obvious, and the only ones who have the ability to come up with this money are these big banks, and they have reached a tacit agreement in advance.

"Mr. Zhao, you are also considerate of our difficulties." The representative of the Bank of China smiled, which can be regarded as acquiescence.

"Or so, don't you think it's okay?" The representative of the Industrial and Commercial Bank of China looked at Luo Sha not far away, and said to Zhao Zejun: "The interest can be negotiated, but the cooperation conditions you gave to Sushang Bank at the beginning were also given to us, and in the future, Zeye's money will be taken away from our account......

Without waiting to finish speaking, Rosa quit, "Mr. Hu, how can you be like this, we Sushang Bank and Zhao always have an agreement." ”

"Did you sign a contract? I've heard it's a verbal agreement. Mr. Hu of the Industrial and Commercial Bank of China said with a smile.

Rosa was anxious and angry, and her face was red.

"A verbal agreement is also an agreement, and when you do business, you still have to talk about credit."

Zhao Zejun opened his mouth lightly, looked at Rosa, and then swept his eyes on the faces of the representatives of several banks, and said slowly: "I went to Yiwu two days ago, and what impressed me very much was that the locals of Yiwu borrowed money from each other, and rarely made IOUs, just a word. If you sell a house or land, you have to repay the money, and if you don't repay the money you borrow, you won't be able to get along in the local area. Mr. Hu, what I, Zhao Zejun, said, you can not do it properly, I must be serious. ”

Mr. Hu's face stiffened slightly, "Mr. Zhao, what do I ......mean?"

Zhao Zejun waved his hand and interrupted him, "It seems that the same trick can't be used twice." Then this time, I will change the way, joint loans, you can discuss by yourself, you can several banks, jointly give me loans. Again, I ask for the lowest interest rate and the fastest disbursement. ”

As soon as these words came out, several large banks were stunned.

Once the loan is combined, their financial advantage is completely gone.

This method of joint loan is generally used between banks and countries, because the amount and risk are huge, and few enterprises borrow in this way.

But there is no provision that enterprises cannot jointly lend money.

"I'll add two more." Zhao Zejun's voice continued to sound: "First, in this joint loan, Sushang Bank, as an agent bank, is fully responsible for dealing with several other banks; Second, the banks that gave loans to a certain Zeye Plaza will go from these banks when they buy the shops and appurtenances of the Zeye Plaza in the future by way of mortgages. ”

After speaking, Rosa, who was stunned on the side, nodded: "Xiao Luo, you work hard, give me a plan tomorrow." Guys, I'll go first. ”

Rosa stiffened her chest, "Okay, Mr. Zhao!" ”