Chapter 53 Stock Mortgage Loans

The stock market has slowed down last week, and there is a tendency to build, the first half of the arc bottom, the bottom should not be far away, and the current intervention in the stock market, even if the stock index falls, the decline is limited.

It's safe to say that if you step in now, the benefits far outweigh the risks,

Helplessly, there is no money to buy stocks at present!

Entering the stock market now is equivalent to picking up money!

Yu Ming decided to apply for a stock mortgage next Monday.

At 8 o'clock in the morning on Monday, Yu Ming took his ID card, securities account card, securities account opening bank card, stock trading card and other documents, and walked to the Huaying Investment Company in Zhongguancun, which was on the second floor, and the "Taisheng Pawn" was on the first floor downstairs.

This time, she didn't let Severia come with her, firstly because of the proximity, and secondly, because she didn't want to delay her studies.

Yu Ming entered the stairs from the first floor, and as soon as he reached the second floor, a slender beauty wearing a blue professional suit and red high heels on her feet came to her, touching her chest with her right hand, bowing to Yu Ming and saying:

"Welcome to Huaying Investment, I'm Wei Xuxia, may I ask, are you Mr. Yu?"

Wei Xuxia's beautiful breasts are very plump, and the hands that caress her breasts are already close to her chest, Yu Ming feels that it is much more eye-catching than those school flowers in the school, Yu Ming didn't dare to look at it, only glanced at it, and quickly said:

"Miss Wei, do you know me?"

Wei Xuxia explained:

"That's right, Mr. Qian told me before the business trip that you were going to come over today to handle business, let me be in charge of reception, and told me about your situation."

Wei Xuxia then asked, "Sir, your surname?" ”

Yu Ming replied:

"Don't have your surname Yu, the single word 'Ming', just call me Yu Ming."

"Mr. Yu, please come here."

Wei Xuxia led Yu Ming to the first floor, entered an office partitioned with transparent glass, opened the glass door, and asked Yu Ming to sit on the sofa, Wei Xuxia asked:

"Does Mr. Yu drink green tea or black tea?"

"Green tea is fine."

"Wait a minute."

After Wei Xuxia finished speaking, she took a disposable paper cup and went to the water dispenser in the hall to make tea.

Yu Ming sat on the sofa and observed the room furnishings, in front of the sofa was a glass-topped coffee table, next to the coffee table there was a set of purple sand tea sets, there was no hot water in the purple sand pot, maybe there was no time to boil water.

Not far from the coffee table, near the window, there is a rosewood desk with a golden beckoning cat next to it. The red flag is the national flag of the Chinese country.

Wei Xuxia brewed the green tea, put it on the coffee table, and said:

"Mr. Yu, please have tea."

"You're welcome." Yu Ming said:

"May I ask Miss Wei, who should I contact if I want to apply for a stock pledge loan?"

"Manager Qian is not here, I can handle it too."

Wei Xuxia looked at Yu Ming and asked:

"Mr. Yu, are you going to apply for a stock mortgage, have you brought the information?"

"Brought."

After Yu Ming said and handed the information to Wei Xuxia, he looked at Wei Xuxia and asked with some concern:

"Miss Wei, can the loan arrive today?"

Yu Ming is a little anxious, the V-shaped reversal after the successful bottoming of the stock market is very strong, and the delay in the arrival of the loan is time, but the loss is money!

"The formalities will be completed quickly today, but the funds will not reach your account today."

Wei Xuxia looked at the information handed over by Yu Ming, and then said to Yu Ming:

"Mr. Yu, please come with me."

Wei Xuxia took Yu Ming to the computer with FPRC software in the hall, swiped Yu Ming's securities trading card, and said:

"Please enter the PIN of your securities trading card".

After Yu Ming entered the password, Wei Xuxia sat in front of the computer and checked the information on Yu Ming's securities account card, and said to Yu Ming:

"Mr. Yu, you have four stocks in your account, 1,506 hands of Yuyuan Mall, 14,530 hands of Lianhua Synthetic Fiber, 29,200 hands of Highly shares, and 15,384 hands of Tianchen shares, the average closing price of each stock in the first 7 trading days was 110 yuan, 11.65 yuan, 6.36 yuan, and 8.64 yuan respectively, and the market value of these four stocks is calculated to be 65,356,000 yuan, the maximum loan amount of our company is 60% of the total market value, and the maximum loan amount of your loan is 39,210,000 yuan."

Wei Xuxia and Yu Ming thought for a while and asked:

"The larger the loan amount, the greater the risk of being liquidated, how much is Mr. Yu ready to borrow?"

Yu Ming replied after a moment's thought:

"I choose the maximum 60%."

"How long is Mr. Yu going to take out a loan?"

Yu Ming asked:

"Is a three-month period okay?"

Wei Xuxia led Yu Ming back to the sofa and sat down, changed a cup of green tea for Yu Ming, and said:

"Yes, I will help you go through the procedures immediately, and the loan will be 39.21 million yuan, which will be repaid in 3 months."

Wei Xuxia quickly filled out the form contract on the computer, printed a copy for Yu Ming to read, and asked:

"Is there a problem with Mr. Yu?"

"I don't know how to calculate the interest on the pawn money, the comprehensive fee, etc., can you tell me what the total amount of money to be paid for this loan?"

"Depending on the specific repayment date, the cost of 3 months is about 6 million yuan."

"Can I pay off my loan early?"

"The contract has stated that if the loan can be repaid in advance, it will not be repaid at any time, and it must be agreed by our company in advance."

"I don't have a problem, then sign the contract."

After Wei Xuxia printed out the formal contract, the two parties signed the contract, and then signed the power of attorney and the account power of attorney.

"Why didn't I see the pawn account?" Yu Ming asked Wei Xuxia.

"The contract also needs to be registered in the Central Securities Depository and Clearing Center, and after the registration procedures are completed, you will be given a pawn account, you go back and wait for my call."

Wei Xuxia thought for 1 minute, and said to Yu Ming:

"Today is Monday, tomorrow the formalities can be completed, and the funds will arrive tomorrow morning."

"Then I'll go back."

After Yu Ming finished speaking, he went downstairs, and Wei Xuxia sent Yu Ming out of the door of the pawn hall and said:

"Goodbye!"

"Goodbye!"

Yu Ming waved his hand and turned back to the school.

In the evening, Yu Ming checked the closing of the stock market as usual:

On November 23, the Kyoto Index closed at 450.68 points, up 2.18%;

Yuyuan Mall reported 112 yuan. It rose by 2.94%.

Lianhua Synthetic Fiber closed at 11.65 yuan, up 0.86%;

Highly shares closed at 6.87 yuan, up 3.30%;

Tianchen shares closed at 9.37 yuan, up 5.39%.

In order to quickly complete the opening operation, he decided to build a few more stocks, so as not to reverse and rise sharply because of the limitation of trading volume.

Yu Ming decided to build a position in Yuyuan Mall, Lianhua Synthetic Fiber, Highly Shares, and Tianchen Shares, and then build a position in Phoenix Chemical, Bank Stocks, Shenzhen Development, and Real Estate Stocks.

Yu felt that the stock market was about to start a new round of market, and decided to complete the construction operation tomorrow.