"Our group? Hehe, of course not, besides, even if our group wants a loan, it can't be my turn to come to you, don't forget that I'm not in the asset management department now. Zhou Liwen smiled dumbly, and as soon as the words fell, Yao Liang's excited expression froze on his face.

"That's right, your group has abundant funds, and you have never applied for a loan for so many years, I just thought that pie fell from the sky today, hehe, Brother Zhou, you also know the work of our credit department...... Excited...... Hey...... I was a little excited....... Yao Liang scratched his head embarrassedly, laughed a few times, and then asked curiously: "It's not your group that wants a loan, so who is this loan for?" ”

Zhou Liwen raised his hand and pointed at himself.

"Do you want it yourself?" Yao Liang didn't expect Zhou Liwen to want a loan by himself, and he was extremely surprised for a while, and his expression was a little embarrassed.

"Brother Zhou, you won't start your own company, right? It stands to reason that with our relationship, we should find a way to borrow money in normal times, and the brothers have no second words, but now the key is that the time is wrong. As I mentioned earlier, it is the end of the year, the whole industry is tightened, and there are no restrictions in our bank except for loans for high-quality assets or loans for large enterprises such as your group, and loans for small and medium-sized enterprises are not approved at all, let alone private enterprises. My brother and I don't say anything ambiguous, or you wait a few months, after the Spring Festival next year, the above policy will be relaxed, and then you will be loaned hundreds of thousands? ”

"Hundreds of thousands?" Zhou Liwen shook his head and smiled: "If this number is this, I will still find \u4f6."

2ooo

o What to do? Brother, I want to lend this number ....... Zhou Liwen raised four fingers, and Yao Liang was immediately stunned: "4oo thousand?!" ”

"Add one more zero!"

"What!" Yao Liang's eyes almost popped out, he never thought that Zhou Liwen would ask for a loan of 4ooo as soon as he opened his mouth, not to mention that he couldn't be the master of this amount, I'm afraid he wouldn't dare to sign this even if he was the president. What's more, even if Zhou Liwen opened a company by himself, there is no need to borrow so much money, is he planning to find himself to cheat the loan? Thinking of this, Yao Liang's eyes subconsciously looked at the watch on his wrist, wondering if he would immediately take off the watch and return it to the other party, and then cut it off with Zhou Liwen, everyone will say goodbye from now on, so as not to be dragged into the water by this guy, and if you lose your job, you will have to stay in the number for more than ten or twenty years.

Yao Liang's reaction could not be hidden from Zhou Liwen's eyes, looking at his somewhat frightened expression, Zhou Liwen suddenly laughed: "What are you kid thinking about, your brother Zhou is such an unreliable person?" Put all your careful thoughts in your stomach, friendship is friendship, I will never do anything to pit friends, sue you, this loan does not have the slightest risk. ”

"4ooo million, no risk?" Hearing this, Yao Liang didn't understand what Zhou Liwen was referring to for a while, he couldn't understand what company he had privately set up to borrow such a large amount of money in one go, and there would be no risk? Although Zhou Liwen has mixed well in their group over the years, he is just a branch manager after all, even if he uses the company's resources to make some business in a company, it is just a small fight, where do you need such a large loan!

"Smoke a cigarette, don't look at me like this, let me ask you first, is your credit department responsible for the mortgage? Are there any restrictions on private mortgages in your industry? ”

Taking Zhou Liwen's cigarette, Yao Liang thought for a while and hesitated: "This mortgage is the responsibility of our credit department, and there are no restrictions on loans for private house purchases, but Brother Zhou, what house do you want to buy actually cost 4ooo yuan?" Generally, the maximum amount of personal housing loans is more than 100,200,000 yuan, which is 3,4o yuan, and even if you can pass the credit department with such a large amount, you can't approve it when you reach the president. ”

Zhou Liwen took a sip of tea, put down the teacup and asked with a smile: "Yes, I won't say 4ooo million, I'll just say within 5o million, for example, I want to buy two houses myself, a total loan of 480,000, do you have the ability to give the loan?" ”

"Two suites? A mortgage of 480,000? What is the ratio of loans to house prices? ”

"8o%, it's best if you can pay zero."

"It's absolutely impossible to pay zero, 8o%...... You can think of a way, but I'd better still be 7o%, so that our credit department itself has the right to lend, and there is no need for the president's signature at all. Yao Liang said, patted his heart after finishing speaking, and scolded Zhou Liwen with a smile: "Almost scared me to death, Brother Zhou, you said this earlier, and as soon as you opened your mouth, it was 4ooo million, did you deliberately play me?" I didn't scare you out of a heart attack, which is already considered a psychological element. ”

Zhou Liwen pondered quietly, nodded slightly and asked: "So is there a limit to how many sets of houses can be purchased by individuals?" ”

Yao Liang just put his heart down, and this sentence suddenly made him bring up his heart again, and looked at Zhou Liwen in surprise, does he really want to take out a loan of 4ooo million? How else could such a question be asked? Immediately, his head shook like a rattle: "Generally, it's not a big problem if it's just one set, two sets, but it's absolutely impossible for you to have three or five sets!" The bank is not a fool, lending to assess the ability to repay the ability and risk, the current real estate market is sluggish, although the mortgage has a house as a guarantee, if the customer does not repay the bank can recover the offset of the property, but after all, there is still a certain risk. ”

"So it's two sets for one person at most? Are you sure? ”

Yao Liang thought for a while and nodded: "Sure!" I just got a mortgage last month, and it's two sets. ”

"Good!"

Zhou Liwen slapped the table and said with a bright face: "That's it, let's calculate it according to the two suites of 480,000 first, I will probably take out a loan of 48oo yuan, of course it's not me alone, it's 1oo people, how about it?" No problem, right? ”

"Ah...... Yes......! ”

Yao Liang was frightened by Zhou Liwen's words, and he was still \ just now.

adf

u8bf44oooo million, this time it became 48oo in a blink of an eye, and it suddenly turned out the amount of 1oo personal mortgage, according to the calculation of two sets per person, it is 2ooo suites, Zhou Liwen is drunk at noon today? Playing around with yourself, right?

"I said Brother Zhou, my mind is confused...... Wait a minute...... Let me think...... Let me sort out my thoughts first...... ”

After taking a few puffs of cigarette, Yao Liang eased his nerves, and then he wrenched his finger and said, "You just have two suites by yourself?" Pay 3o%, the loan is 7o%, and the loan amount is about 480,000, isn't it? ”

Seeing Zhou Liwen nodded, Yao Liang continued: "Next, did you say that there are 1oo loans like this?" ”

"1oo people, one stroke per person!" Zhou Liwen corrected the other party, Yao Liang said yes again and again, and said: "1oo people, one person is 1oo, and the total loan amount is 480,000 according to the average of 480,000?" Right? ”

"That's right!"

"My brother Zhou, you can't hurt me!" Yao Liang cried and said with a sad face: "2oo house, a loan of 48oo yuan, just paying more than 2o570000 yuan, where did you get so much money?" Besides, where are so many people buying so many houses at once in this world? What kind of basket is going to be poked out, our brothers and I can't eat and walk around! ”

Tips: The new domain name "biquge.info" has been launched by Biquge, and the original domain name is about to be discontinued. Please tell each other, thank you!