Lu Li, Zhang Dadong and Ou Chenli got out of the car and stood on the side of the street, Zhang Dadong pointed to a building across the street, "This is it." ”

Luli looked up, it was a five-story building, the main construction had not yet been officially completed, and he could see the scaffolding like a spider web scattered outside the building, and there were scattered workers working on it, "This...... It looks like a new building, right? ”

"Yes, this was originally the new site of the Department of Justice, which was originally an old building that had become a dilapidated building because it had been too long, so it was demolished in 80 years and changed to a subway station hub, and the Department of Justice moved here. However, due to the government's large-scale reduction in spending, the later construction funds of this building have been seriously disrupted, and there are signs of becoming unfinished. ”

Lu Li was confused, with the current economic development situation in Hong Kong, will the government still fall into an unsustainable dilemma when building such a building?

After listening to his question, Zhang Dadong and Ou Chenli looked at each other and smiled bitterly: "Lu Sheng, this is Hong Kong, not the mainland where you are located, and the situation is very different." ”

"What is this called? What's wrong with our continent? ”

"In your continent, an executive order from the leader can completely ignore the opinions of any ordinary people, not to mention those rubber stamps you have there, these people only know how to eat white rice, and then raise their hands to pass, it's fine. But with us, it's not like that. ”

Ou Chenli sneered and said: "If you give you an example, you will understand that any civil engineering project in the government, from bidding, skidding, to later construction, raw material purchase, use of funds, and then to final acceptance and occupancy use. I don't know how many pairs of eyes are staring! Once there is any man-made and illegal behavior in this process, it will become the focus of newspapers, radio stations and the ICAC! ”

Zhang Dadong saw that Lu Li's face was getting more and more ugly, and hurriedly stopped Ou Chenli's speech, "Mr. Lu, the situation is indeed as frequently said, actually. The construction of this Department of Justice building also encountered such a situation, and the current Secretary for Justice was involved in the tender scandal of the new building, and it is said that he accepted bribes and accepted ...... Ye's company traded off-stage, which was exposed in this police crackdown operation! ”

"Understood, so the construction of this building was delayed? You can't just throw it here, can you? It's all ...... Halfway there? What a waste? ”

Ou Chenli said: "Of course you won't throw it. Sooner or later, it will continue to be rebuilt, but even if it does, it will not become the new home of the Department of Justice - Hong Kong people have ostensibly received a very technologically modern education. In fact, it is superstitious that before the building was completed, a high-ranking government official was sent to the Independent Commission Against Corruption, and there is no need to mention the specific person in charge of the bidding process, but I am afraid that after this matter is thoroughly investigated and concluded, I don't know how many people will be imprisoned! Think about it, what kind of feng shui is this? Who would dare to use it? ”

Lu Li looked at Ou Chenli curiously, as if asking her: People on your side dare not use it. How do you know I'm going to use it?

Ou Chenli bared her teeth, "Mr. Lu." You Communists, all pure materialists, don't believe this, do you? ”

Luli laughed, "Well, even if I don't care about that. Also dare to use it now...... You can't just let me move in, can you? I don't have enough money to buy or rent a building like this, not to mention that I have to put money into it to complete the construction! ”

"Well, if you're really willing to do it. You can take a loan from the bank and at the same time liquidate the current owner of the property, and then you buy it, and then the building becomes real estate in your name, and then you ,......"

"You're talking so wildly, how much am I going to spend?"

"That's about 47,000,000."

Lu Li was taken aback, "More than 40 million? Do you think I'm a money printer? His voice was so loud that it attracted the sideways of the passers-by, "You're just making fun of me!" In a fit of rage, he even spoke the vernacular of his hometown.

Zhang Dadong and Ou Chenli couldn't understand his words, "Mr. Lu, don't worry, although there is a lot of money, but in a commercial society like Hong Kong, who does not owe a lot of money to the bank for this kind of commercial transaction?" Moreover, Allen and I have calculated for you that if your hot pot restaurant can be successfully opened, it will only take three or five years to solve these problems. ”

"That's not good, good guy, I owe more than 40 million to the bank without a head and a brain, and I can't even sleep! Pull it down. ”

Zhang Dadong and Ou Chenli laughed in unison, "Mr. Lu, it's not that you owe money for no reason, don't forget, you can also get a real estate building in the Causeway Bay area?" The building has a total of 7 floors, including the ground and ground, and the total floor area is 1,445,253.12 square feet! With such a large area, how much is it ten times larger than your current hot pot restaurant? ”

"Yes, I know it's huge, but ...... It's big, and I have to have so many guests to do it, right? What if there are no guests, and I don't just lose money? By the way, Miss Ou, you can help me calculate, if I owe more than 40 million to the bank, how much interest do I have to pay them back a month? ”

"If you calculate it at 40 million, according to the interest rate of 2.19%, you have to repay them 876,000 yuan every year, and the average is 73,000 yuan per month."

Luli was stunned, "Isn't that a lot?" You're not mistaken, right? If that's the case, no problem! ”

Zhang Dadong and Ou Chenli were at the same time: Is this person really stupid or pretending to be confused? It is unreasonable that he can make a fortune! The girl gave him a blank look, "Do you think that's all?" Don't forget, you still have the principal to pay back! ”

"Huh?"

"Yes, if you borrow 40 million yuan and pay it off in ten years, it will cost 4 million per year, more than 330,000 per month, plus the amount of interest, it will fluctuate around 500,000 yuan......

"It's not...... Is the interest only 70,000, how can it be added up to 500,000, it should be 400,000, right? ”

Zhang Dadong knew that he didn't understand, and patiently explained: "With the extension of the repayment period, the interest will increase accordingly. Of course, it is the most frequently said situation. Over time, the corresponding monthly payments will also decrease - this is because the more you pay back, the longer you pay, the less principal you owe to the bank, naturally. This reduction in the base naturally means a decrease in interest. There's a complicated formula, and if you're willing, I can get someone to explain it to you. ”

Lu Li listened to it, and his mind quickly calculated, with the current business of the hot pot restaurant, the daily turnover should be around 4-80,000 yuan, if such data can be copied, it is not a big problem to bear a monthly payment of more than 50 yuan. "Then, I want to ask you, if one day, I return all the money to the bank, okay?"

"What do you mean...... A brain? ”

"It's that I suddenly have money, and I still owe the bank 30 million at this time, and then I return all the 30 million to the bank, how about it?"

Zhang Dadong and Ou Chenli were dumbfounded. After a while, he asked, "You...... With so much money? ”

"Of course not, if there is. Why should I go to a bank? I'm just asking, if that's the case, okay? ”

"This has to be negotiated with the bank, and you may have to make some concessions on the interest. After all, the bank lends out. It's also about making money. ”

"Understood." Lu Li nodded, looking at the five-story building under construction, he really felt satisfied, he had been in Hong Kong for less than two years, could he have such a building? I really fall asleep and wake up laughing! "Mr. Lu. Mr. Lu? What are you laughing at? ”

"Ahh Lu Li wiped the corners of his mouth and suddenly asked: "Miss Ou, what you told me at the beginning, if I ask them for the cooperation with Stephen's company, and get their financial help, can I reduce the share of the bank loan a little?" ”

"I personally don't recommend you to do this, such a real estate is more valuable than your hot pot restaurant in the eyes of the British, if the other party proposes to use the building itself as collateral for the partner, what do you say?"

Lu Li suddenly changed color, and his mind was spinning quickly at this moment, "What is this called?" They are cooperating with me, and since they cooperate, there will be risks, so why should they ask me to come up with any collateral? If that's the case, why should I still look for them, and just go to the bank? ”

Zhang Dadong smiled secretly, Lu Li is sometimes naïve, but at this moment he understands? But such words could not help the two of them, "That's true, but you don't think that the British will give you money for no reason, right?" Yes, what you said makes sense, business itself has a certain risk, but it is also necessary to consider whether this risk is proportional to the future return, if you can, these people dare to throw in no matter how much money they have, otherwise, they will not even take out a dime. ”

"You're saying that my Raushzi hot pot restaurant will make them feel that the risks outweigh the benefits?"

"Pretty much yes, if it were me, I would definitely offer to use this building as collateral, and in other respects, even if some concessions were made, it would be acceptable."

"So, if I borrow money from Stephen's Company and use the building itself as collateral, how long will it ......take, or under what circumstances, will the mortgage end?"

"Of course, after the transaction between you and the other party is completed, that is, if you pay off all the money you borrowed from Stephen's Company."

"Isn't that the same as a bank?"

"On the surface, it looks the same, but in reality, there is a difference. First, the interest rate is much lower, second, Stephen & Company will arrange for someone to participate in your day-to-day operation, and third, the company, as the owner, also has the right to check the accounts of the store at any time. ”

Luley nodded, "I see, I'll think about it, how about it?" ”

"Absolutely. But you'd better give me a definite answer by the 11th of next month. ”

"No problem." Luli nodded briskly and walked to the car, "Let's go back, I still have something to do." ”

*****************************************

All the way to the corner of Dajiao Street, Lu Li got out of the car, turned back to the two people in the car and said: "That, lawyer Zhang, Miss Ou, and Stephen's company, if I want you to be my lawyer and negotiate with the other party, do you need any formalities?" ”

"Yes, you have to go to our lawyer's office, get a copy of the law, and you're good to go - if you really need it, we'll get the paperwork ready, and you just have to come and sign it."

"Okay, you guys get ready, I can go over at any time."

Zhang Dadong nodded, restarted the car, and drove out in a puff of smoke.

"Allen, you ...... him" Ou Chenli looked through the rearview mirror, and Lu Li was still standing on the side of the street waving to them, until he turned a corner and couldn't see each other, and then withdrew his gaze, "Why does he call you in such formulaic language?" Didn't he call you Eren all the time? ”

"Ahh Zhang Dadong snorted vaguely and did not speak. Ou Chenli immediately knew that there was indeed a problem between this pair of friends! "What, it's inconvenient to say? That's it. ”

When she spoke like this, Zhang Dadong was a little embarrassed, and said the discord between the two in a few words, "Frequently, you know, I'm not the kind of mercenary person, but this kind of thing is always a thorn in my heart!" Do you understand? ”

"I understand, but what I don't understand is that with Mr. Lu's personality, he shouldn't have made such a decision? Have you ever wondered what might be hidden here? ”

Zhang Dadong looked ahead, sneered disdainfully, what can he hide, naturally he is unwilling to let him make less money because of me! "Forget it, if you can't be a friend, can't you be a customer?"

Ou Chenli sighed, squinted at the street scene passing by the window, suddenly gagged, covered her mouth with her little hand, and said with a whimper: "I'm sorry, can you stop for a while?" ”

"What's wrong?"

"I'm a little nauseous!"

"Ah, that's good, that's good." Zhang Dadong didn't know what was going on, parked the car on the side of the road, Ou Chenli quickly pushed the car door, bent down, vomited and vomited, and it took a while to sit down again, his little face was painful, and his eyes turned red, "Frequently, you ...... You okay? ”

"It's okay, I'm ...... Maybe I didn't eat breakfast in the morning and was a little hungry. ”

Zhang Dadong secretly wondered, how could anyone vomit because they were hungry? But about the girl's family, the big man didn't want to ask too much, smiled kindly, and started the car again. (To be continued......)