When Chen Qingdong was about to explain two sentences, Cheng Xiaodong spoke first: "Qingdong, we are old friends, so I will say some things directly." ”

Chen Qingdong nodded and said, "Brother Xiaodong, you say." ”

"Qingdong, to tell you the truth, my investment company is to lend money out, I won't tell you the specific name, in fact, to put it bluntly, that is, if I release a sum of money, I will take back the money, and I will charge an additional interest that is not low. If I release the money and I can't get it back, then my company will have to wait for bankruptcy. Cheng Xiaodong looked at Chen Qingdong and said, "Qingdong, you understand this, right?"

"I understand. Chen Qingdong said.

"Well, now that you understand that, that's easy to say. Cheng Xiaodong continued, "In order to prevent bad debts, when our company releases money, we will also conduct an investigation on the borrower to see if he has the ability to repay." To put it bluntly, the borrower must have collateral that is not less than the principal amount of the borrowed money. ”

"I understand that, too. Chen Qingdong said.

Cheng Xiaodong sighed lightly and said: "Qingdong, we have been friends for so long, out of personal feelings, I really want to lend this money to your brother, but you also said just now that your brother's farm has been mortgaged to the bank, so ...... In business, if there is no collateral, it is difficult for me to put such a large sum of money to your brother. Qingdong, although I am the legal person of this investment company, the company's money is placed here by customers, and the company is not my alone, I hope you can understand. If I had the money myself, I would have lent it to you without so much hesitation. It's just that I recently took over the Xingyuan Hotel, which cost me tens of millions. There will be a thorough renovation and upgrade later, and a rough calculation will cost three or four million, and I am really nervous about it. ”

Hearing Cheng Xiaodong's words that he obviously didn't want to take the offer, Chen Qingdong groaned for a while.

In normal times, since Cheng Xiaodong expressed a tactful refusal, Chen Qingdong would never force him again, but this time he really didn't have any other good ways besides borrowing from Cheng Xiaodong, so he just stubbornly said: "Brother Xiaodong, I understand this." However, Brother Xiaodong, if my brother mortgages you to this new market that is about to start, will you accept it?"

"The newly built market ......" Cheng Xiaodong couldn't help laughing, but he still said bluntly, "Qingdong, to be honest, I am really not optimistic about this market in your Shuangshan Town, and I am not interested. ”

Since Cheng Xiaodong had already said it very directly, Chen Qingdong also said bluntly: "Brother Xiaodong, I asked you out today, mainly to mention my brother to come on a trip, your company has the rules of your company, if you don't agree to lend, of course I understand it very well." Similarly, even if you are willing to lend money, my brother can't afford to borrow it if the interest rate is too high. ”

Cheng Xiaodong was silent and did not speak, as if he was thinking about the pros and cons of this matter.

Although they are good friends, it doesn't matter if they usually eat and drink, but when it comes to such a large amount of money, it is natural to put real money first, friendship or something, naturally they have to lean back, for a person like Cheng Xiaodong who has a lot of experience, he will not be emotional.

Chen Qingdong continued: "This market in Shuangshan Town, although it is not an advantageous resource, but the investment in this project is nearly 20 million, after the completion of the project, those properties may not be easy to sell, but their value is definitely higher than 20 million." If this project is used as collateral, I think it is also possible to borrow 5 million from you from Brother Xiaodong. If it's something that can't be operated at all, I won't open this mouth to you, Brother Xiaodong. ”

Cheng Xiaodong smiled bitterly: "Qingdong, how much those properties can be worth at that time, you will only know after you sell them, if you can't sell them there, it will be a bunch of useless buildings...... Nothing more. ”

Cheng Xiaodong originally wanted to say that those houses couldn't be sold just a pile of construction waste, but considering Chen Qingdong's mood, he temporarily held back and didn't say anything.

However, he felt that what Chen Qingdong said was not entirely wrong, after the completion of this market in Shuangshan Town, regardless of how the market performance, the investment amount has been placed there, and the starting value must not be low, if this project is used as a mortgage loan of 5 million, it is indeed not afraid of becoming a bad debt.

It's just that his investment company is doing a business of making money, and it is important to pay attention to cash as king, if these properties in Shuangshan Town Market are recovered at that time, but they cannot be sold, then this will greatly occupy their cash, and it will not be cost-effective.

After all, only the real gold and white eyes in the hand are the most reliable.

Besides, this is another township market, and if it is pulled up at that time, the town government will definitely be involved, and Cheng Xiaodong would really rather deal with the county-level government than the township government. In Cheng Xiaodong's view, the more grassroots the government, the more barbaric, unreasonable, and lawless.

When Cheng Xiaodong was groaning, Chen Qingdong smiled and said, "Brother Xiaodong." Don't be embarrassed either, since you don't have the idea, forget it. ”

Although Cheng Xiaodong was already a little tempted, he still said: "Qingdong, I am really not optimistic about this project, if it is in the county seat, it is ...... Hehe, it's actually useless to say this. However, Qingdong, since you have spoken, then let's do it, don't borrow money from my investment company, I will lend one million to your brother alone, and I don't need any interest, how about it?"

When Chen Qingdong heard Cheng Xiaodong say this, he knew that he was actually a little tempted, but he hadn't made up his mind yet, Chen Qingdong naturally wouldn't accept it, shook his head and said, "Forget it, Brother Xiaodong, I understand your kindness." However, even if you lend me a million, it won't solve the problem. I still go to Longwan for two days, and it is said that there are several investment companies in Longwan, and maybe some of them can take a fancy to the market in our town. ”

Cheng Xiaodong pondered again, although he knew that Chen Qingdong was retreating as advance, but he was indeed not willing to give up this business.

Cheng Xiaodong opened this investment company, and when he lent money, he was most afraid of two things, one was that he was afraid that the things guaranteed by the borrower would be made into false accounts. The property rights are not clear, the second is that he is afraid that the character of the borrower is too poor, even if there is no problem with the things he provided as a guarantee when he borrows, but if he is unwilling to give money or things at that time, although Cheng Xiaodong can go to the court to sue him, but his lending business is originally a legal sideball, and there will be a lot of trouble in going through the legal process when the time comes, and it will be protracted, so when they encounter this situation, the most common method is not to go through the legal procedure, but to deal with it directly with Jianghu means.

Although it is often very effective to deal with this kind of thing with the methods of the rivers and lakes, the side effects are also very obvious, and it may be countered at any time.

Therefore, how to find high-quality customers is the most important thing for Cheng Xiaodong's investment company.

And Chen Qingdong is undoubtedly a person who can reassure Cheng Xiaodong, and this project in Shuangshan Town Market, in addition to the fact that the house may not be easy to sell in the future, is also a high-quality asset.

Although Chen Qingdong kept saying that his brother wanted to borrow money and that his brother wanted to develop Shuangshan Town, Cheng Xiaodong was clear in his heart, Chen Qingdong and his brother naturally had his shadow behind him, but Chen Qingdong was unwilling to come forward.

Cheng Xiaodong is indeed a little tempted!

Faced with such a large business, Cheng Xiaodong was not in the mood to continue fishing, he said: "Qingdong, otherwise, let's go to dinner first, and then I will think about this matter." ”

"Okay, Brother Xiaodong. Chen Qingdong said, "However, Brother Xiaodong, I still say the same thing, if you are embarrassed about this matter, don't force it, we have been friends for so many years, I don't want to destroy our friendship because of this incident." ”

Cheng Xiaodong laughed and said: "That's for sure! Qingdong, when we talk about this matter, we are talking about business, and it has nothing to do with our friendship." Whether this happens or not, we are all good friends and good brothers!"

Chen Qingdong smiled: "Brother Xiaodong, if you say that, I will be relieved." ”

They sat in a private room in Linshui Garden, asked for grilled fish and a few specialties, and drank it slowly with a bottle of liquor.

But obviously, they are not in much of the mood to drink well today, and how to talk about this loan business is the most important thing.

Chen Qingdong has already thrown out his hole cards, and also clearly told Cheng Xiaodong not to be embarrassed, if he is unwilling to borrow, forget it, in addition, even if Cheng Xiaodong wants to borrow money, but if the interest rate is too high, Chen Qingdong will not accept it.

Next, just wait for Cheng Xiaodong to decide.

Cheng Xiaodong is also calculating this business, and after some thought, he has decided to lend the money to Chen Qingdong, but he has to think carefully about how much interest he should want.

According to the general lending interest of his investment company, the monthly interest rate is three cents, that is, the annual interest rate is 36 percent, if it is not counted as a rolling interest, Chen Qingdong borrowed 5 million from him, then the interest alone is 1.8 million yuan in a year, which is not a small number.

However, since he is an old friend, although he is said to be in business, he can't lend Chen Qingdong money at a uniform interest rate, otherwise he won't talk about it at all, and in addition to profits, Cheng Xiaodong is actually a very emotional person, and he especially attaches great importance to the brotherhood established when he was young with Chen Qingdong.

In addition, Cheng Xiaodong also believes that Chen Qingdong has great potential, and there may be many opportunities for cooperation in the future, so it is inevitable to save face now.

After a period of careful consideration, Cheng Xiaodong made up his mind.

At this time, the two of them had already drunk two taels of wine absentmindedly, but there was hardly any movement on the table, a plate of grilled fish had been cooled, and there was no passive chopsticks.

At this time, Cheng Xiaodong finally opened his mouth, he didn't beat around the bush anymore, but said directly and cheerfully: "Qingdong, I've thought about it, I'll use this new market in your town as a guarantee, and I'll lend you five million." ”

Chen Qingdong was still thinking about how to talk to Cheng Xiaodong again, but seeing Chen Qing's ** made a decision so happily, Chen Qingdong was also very happy.

Since Cheng Xiaodong said it so directly, Chen Qingdong naturally would no longer be grinding and chirping to refuse and welcome, but he did not show any special joy on the surface, but said equally bluntly: "Brother Xiaodong, thank you!

Cheng Xiaodong took a slow breath, crossed his hands, supported his arms on the table, and said: "Qingdong, my investment company, the uniform interest rate for lending in the market is three cents per month, but it is ......."

Cheng Xiaodong changed the topic, and then said: "With our relationship, of course, we can't be the same as others, so Qingdong, I'll give you a fixed price, two cents per month, and the interest part is no longer subject to rolling interest, and the loan term is one year, how about it? Of course, if you withdraw the funds in advance, you can repay the loan in advance, and the interest is calculated at monthly interest." ”

Chen Qingdong couldn't help but be thrilled when he heard it!

Before borrowing money from Cheng Xiaodong, Chen Qingdong had also made an analysis, and at the same time, he also discussed with Chen Hongbing and Zheng Hongtao an acceptable interest value.

In fact, they also know that the interest on private loans in Liulin County is basically three cents per month, and whether it is a rolling interest needs to be discussed separately, so they think that if Cheng Xiaodong can give them a monthly interest of two and a half cents, and the interest does not roll over the interest, then they can accept it.

Now, Cheng Xiaodong is one step closer, and directly shouted to him the interest of two cents per month, and at the same time does not roll the interest, which makes Chen Qingdong unexpected and overjoyed, at the same time, he also feels that Cheng Xiaodong is indeed very righteous, he paid so much attention to profits just now, but he was just talking about business, as a businessman, there is nothing to blame at all.

According to the monthly interest rate of two cents, then the annual interest is 24 percent, and the interest is 1.2 million if you borrow 5 million for a year, although this is still much higher than the bank loan, but for the private dismantling, this interest is indeed not high.

And with such more than one million, there is no pressure on Chen Hongbing, who owns a green field farm, half a large stone farm in Humiao Town, and also owns the newly built Shuangshan Town Market.

The reason why Chen Qingdong wanted to borrow money from Cheng Xiaodong's investment company was that he wanted to simply solve the problem with money, and he didn't want to owe anyone a favor, but Cheng Xiaodong gave him such a low monthly interest, so he still owed Cheng Xiaodong a favor.

Chen Qingdong didn't break Cheng Xiaodong's kindness, and said with a wine glass: "Brother Xiaodong, thank you, this interest is indeed low enough." When I go back, I'll tell my brother about it, and then ask my brother to talk to you about the details. ”

"Okay. Cheng Xiaodong also picked up his wine glass and said with a smile, "Qingdong, this glass is dry!"