Jensen couldn't wait to say:

"Xiao, now let's negotiate the contract."

"Yes, but before we can negotiate a contract, we need to solve a problem."

"Please."

"Jensen, you've made me miserable this time."

"Mr. Xiao, what do you mean?"

"When you started talking to me about the last autumn auction, I thought it was in mid-September. I needed to use the money to buy a Napa winery, but now I need a deposit to start the negotiations. ”

"Well, Mr. Xiao, our London autumn auction is always held in late October."

"But I don't know the specific time, you only said the autumn auction, but didn't say the specific time."

Jensen was also depressed, every year, Sotheby and Christie's and others would hold two grand auctions, spring and autumn, this kind of auction is a feast for collectors, everyone who plays collecting knows the time, and when it comes to autumn auctions, they know the time. But when you meet a newcomer like Xiao Yifei, you can only be speechless.

"And what do you mean?"

"I wanted you to give me a proof of funds that I had a few paintings in Sotheby waiting to be auctioned, and the expected price would definitely exceed the purchase price of the winery. This shows that I have enough money to acquire the winery. ”

Jensen said without hesitation:

"Of course, that's fine."

Xiao Yifei waved his hand:

"No, the other party doesn't accept this, and you have to see cash before you can consider whether to sell it."

"Which winery, such a big name? I also know some people, do you want me to find someone to see if I can convince them? ”

"No, I thought of a solution."

"Mr. Xiao, please say, we will definitely help if we can use us."

"You Sosby should be rich, right?"

Jensen was stunned:

"Mr. Xiao, what are you trying to say?"

"My meaning is very simple, I believe you are very satisfied with the 4 paintings just now, right, I want to use your kind of art financial services, borrow some money from you as a deposit, it won't take too long, just borrow it for 3 months."

Xiao Yifei's plan is actually a plan called "bridge loan". That is to say, if institution A or individual wants to do a certain business, but has no money for the time being, it temporarily borrows money from institution B or individual, and returns it to institution B after the funds of institution A are in place. This is a common type of short-term lending business.

"Then how much does Mr. Xiao want to borrow?"

"40 million."

Jensen's face changed, and he was now in a dilemma.

Originally, he thought that Xiao Yifei had the money to sell those 6 oil paintings, and it would definitely be enough to buy a winery, and the art financial service would not use the function of lending in the short term, and if he wanted to use it, it would be at least next year. With the help of the successful autumn auction, the company may have alleviated the current situation of depleted cash flow by then.

Who knew that looking at Xiao Yifei's posture, he would want to complete the acquisition of the winery within a few months.

If it is only a few hundred or 10 million, he may be able to squeeze out some after discussing with the company, but 40 million, Sosby Company can't take out so much money now. But if this problem is not solved, in addition to the financial services of these 4 oil paintings, in case Xiao Yifei directly withdraws the 6 oil paintings, although Sosby can get some liquidated damages, but the follow-up plan will all fall through.

Xiao Yifei and Ryan saw that he didn't speak for a long time, they knew that there must be a problem, and under the questioning of the two, Jensen could only reveal the current situation of Sotheby's company in a secretive way, and finally Xiao Yifei basically understood Sotheby's current predicament and Jensen's abacus.

After knowing all this, Xiao Yifei was convinced that he jumped into Sosby's pit without paying attention. Maybe Jensen didn't deliberately pit Xiao Yifei, but in fact, he still pit Xiao Yifei.

Of course, Xiao Yifei still has a way, such as withdrawing from Sotheby. But Xiao Yifei now has only more than 2 million euros, and if the auction is withdrawn, there will be no money as soon as the liquidated damages are paid, so he still has to find another auction house to auction the oil painting. The only one who can compare with Sosby is Christie's, not to mention that Christie's made Xiao Yifei unhappy because of the auction of the beast head in the Old Summer Palace, even if it is for them, it is estimated that it will be an autumn auction, and the conditions will be similar to Sosby. I still can't get enough funds as a deposit before trading.

As for other auction houses, such as Phillips or Nagao, Xiao Yifei thinks that such an expensive oil painting is more reliable for Sosby, the largest auction house.

After Jensen finished talking about the company's predicament, he began to try his best to dissuade Xiao Yifei from withdrawing the film, and promised to find a way immediately. So Xiao Yifei and Jensen and a few other people discussed together, and finally came up with a solution, which was to use these four oil paintings to pull a bank in to do a three-way transaction. Giving up the role of institution B in the bridge loan to the bank.

As a result, Wells Fargo, the largest bank in California, was selected by the three directors to play the B role.

After all, Sosby had a big face, and soon Marshall, vice president of Wells Fargo, came to the laboratory, and Jensen pulled him to mumble for a while, explaining the current situation clearly, and Marshall immediately called the headquarters to send a group of experts over.

Wells Fargo's headquarters were in San Francisco, and soon a few cars came with experts. The four paintings also caused a burst of exclamations, and then they continued to toss, and finally Wells Fargo confirmed the authenticity of the paintings, and estimated them at $250 million.

But then, Marshall changed his face, and they were unwilling to do the B corner of this bridge loan.

"Mr. Xiao, you are planning to use the money from the auction of the six oil paintings to repay this loan, but we are a bank, we must consider the risk, we must consider the situation of the unsuccessful auction. Therefore, we do not agree to this temporary lending agreement. ”

Seeing that Jensen and Xiao Yifei's faces had changed, he immediately explained:

"But we can consider a pledge loan, and we'll have a three-way cooperation."

Marshall, Jensen, Xiao Yifei and their respective lawyers began to discuss the plan. In the end, everyone reached a unified plan,

First of all, Xiao Yifei entrusted the four oil paintings to Sotheby Art Financial Services Company for safekeeping at a cost of 50,000 US dollars per year, and signed a contract for the custody of the artworks. (Actually, the $50,000 is not enough to buy insurance for the painting.) ）

Xiao Yifei then mortgaged the four oil paintings to Wells Fargo, and could borrow up to $200 million from Wells Fargo Bank, during which the paintings were still kept and rented by Sotheby, and the profits were divided equally among the three parties. After the principal and interest of the Wells Fargo loan were paid off, Wells Fargo withdrew, and the income from the oil painting was divided equally between Sotheby and Xiao Yifei.

Originally, Xiao Yifei planned to estimate the value of each oil painting and mortgage it separately. But the rich country of the dog day is too smart, they don't do it, Renoir's oil paintings they can separate, but "Sunflowers", "Water Lily Pond" and Picasso's must be tied together. They really are monkey spirits. And regardless of the amount of the loan, the three paintings must be mortgaged together. In addition, the loan term cannot be less than three years, and of course, the interest rate gives Xiao Yifei the greatest discount.

In this program, Wells Fargo is the biggest winner, getting 400,000 yuan in rent per year. Originally, the bank had no right to lease the customer's collateral during the loan period, but according to the tripartite agreement, the $400,000 was purely additional income.

In addition, Phu Quoc has also found a high-quality customer. Although it is an economic crisis, banks still have money to lend. Wells Fargo is a traditional bank, that is, its main business is deposits, withdrawals, loans and other businesses, unlike other banks, which do not have a large share of investment business. It is precisely because of this that they have been much less affected by the financial crisis than other banks. Traditional banks have always had a lot of cash to lend, but now they don't dare to lend easily, and if it becomes a bad debt, they can't account for it. Xiao Yifei is different, seeing the absolute appreciation of the oil painting, it is estimated that the shareholders and executives of Wells Fargo Bank wish that he could not repay the loan, so the oil painting will belong to them. Even if Xiao Yifei repaid the loan, they also got interest without any loss.

The second winner was Jensen, who successfully completed his original idea and signed a supplementary agreement for the six oil paintings to be auctioned, stipulating that these paintings could not be withdrawn from the auction, and once the auction was withdrawn, he would face sky-high liquidated damages. The rental business of these four oil paintings can not only bring nearly 400,000 additional income to the company every year, but also Phu Quoc saw that Sotheby could not die, and promised to give them financial support at the right time.

For Xiao Yifei, he was cheated for the second time.

It was good to be debt-free and light, but it turned out that he had to take out a loan to buy a winery. But it doesn't matter, don't you say, borrowing money to make money is a master. Originally, he also considered a plan to borrow money from a bank, but this time the rich country sent it to his door to help him save a lot of procedures. (Xiao Yifei can only comfort himself like this.) With the loan from Wells Fargo, Xiao Yifei completely solved the financial problem, even if all the six oil paintings were unsold, he also had the funds to buy the winery. It's just that short-term lending becomes a medium-term loan.

The next day, the Wells Fargo executive meeting successfully approved the plan, in the Wells Fargo, Sotheby, their lawyers and Ryan's arguments, it finally took a day to draw up the contract, after the three parties signed, the agreement was reached, Xiao Yifei can apply for a loan at any time, and the bank guarantees to complete the disbursement within one working day.

Oil paintings worth more than 200 million, and Jensen doesn't have Osiris space, he doesn't dare to use oil painting barrels to carry on the plane on his back, even if he dares, Fuguo won't do it. You can only find an insurance company, find an art shipping company, and then find an insurance company. God, there's still a lot of paperwork and negotiations waiting for Jensen and Southby's lawyers, but none of this has anything to do with Xiao Yifei.

Fuguo knew that Xiao Yifei had just arrived in the United States, and the social security card had not yet arrived, and a social security card was required to open an account, so he offered to help say hello. Marshall promised Xiao Yifei that as soon as his social security card arrived, he would immediately give him a Wells Fargo credit card, and also take his credit card records from a German bank, promising to give him a good credit score at that time. and is willing to contribute to Xiao Yifei's application for a green card.

When it comes to credit cards and credit scores, this stuff bothers many newcomers.

After the economic crisis, banks no longer dare to issue credit cards indiscriminately, and one by one they strictly follow the regulations to approve credit card applications. But new immigrants have just arrived in the United States, and they have no credit history at all, so they can't apply for a credit card, and without a credit card, they don't have a credit history, and this thing has become an endless cycle.

Some people may say that if you don't have a credit card, then I will use a debit card, but in the future, you will need credit history when you buy a house, buy a car, buy insurance, work, trade, etc.

The United States looks free. You can live your life however you want, and no one will command you and discipline you. The government is closed, suspended, and bankrupt, and the daily lives of ordinary people seem to be unaffected, and the whole society is still moving forward in an orderly manner.

Credit history plays a huge role in this process

When applying for a job, the employer will check your credit history to understand your past before deciding whether to hire you. For renting, most landlords will also ask tenants to fill out an application form and check their credit history to see if the tenant has defaulted on the bill in the past, whether they have gone to court and been evicted by the landlord.

When buying a house, after the other party receives your offer, when choosing an offer, the same credit history will be checked, sometimes others are obviously the first point higher than you, but the other party just bought it, just because his credit history is good. Except, of course, all-cash.

Loans, if you have a good credit history, you can get a high amount of loans, and the interest rate is low, and those with a poor credit history will either not get a loan, or you must accept the bank's high interest rate.

In addition, the credit score looks at your record of paying back on time, not how much money you have. Newcomers, even if they have tens of thousands or hundreds of thousands of dollars in their bank accounts, cannot contribute to the score. Of course, if you have more money, it can still be useful. For example, if you want to have tens of millions, hundreds of millions, then the bank will definitely give you a good credit card limit.

If the average newcomer wants to get a credit card, he or she can only apply for a credit card that freezes the same amount of deposits. That is, if you deposit a few thousand dollars on the card, the bank will give you a credit limit of a few thousand dollars, which is equivalent to spending your own money and paying interest. With a credit card, you can repay your credit card more frequently and slowly accumulate credit history.

When the credit history score is high, the host and guest will be translocated. You keep receiving invitation letters from some credit card companies telling you that we have pre-approved your credit card, although you have not applied for it, but we implore you to apply for a credit card issued by us, you just need to go to our website and fill out a form, no need to go to the company, we will send you a credit card immediately, after receiving it, you can use it by phone or online.

Although Xiao Yifei doesn't have much money now, people in rich countries are not stupid, and they know the details of Xiao Yifei, a future billionaire. When they get Xiao Yifei's credit card records in German banks, they can naturally add his spending records in Europe to the United States, making Xiao Yifei's high credit score reasonable.

Xiao Yifei finally got the money. With the agreement with Fuguo and Sosby, he only needs to come up with the agreement to lend 40 million from Fuguo as a deposit, but Xiao Yifei does not plan to do this.

After all, Bo is willing to consider whether to sell until he sees the proof of funds, although it seems that the intention to sell has prevailed now, but if he lends out the loan himself, he doesn't sell it, so isn't he bearing the interest on the loan in vain? And even if he wants to sell, the negotiation will take several months, so isn't he bearing a few months of interest for nothing? The interest is hundreds of thousands of dollars, and you can buy a small apartment in San Francisco.

"Is he free tomorrow, you can help me make an appointment with him, and I will talk to him."

Concubine Yue took out the phone and Bo. Barrett contacted him and agreed that the two would visit him tomorrow morning, and Xiao Yifei called the lawyer Ryan and agreed on the itinerary for tomorrow morning.

Back at the hotel, Xiao Yifei continued to translate Hans's diary, and when he was tired, he went to dig pits and plough the land.

Black Nose was very happy that Xiao Yifei entered the space, and Xiao Yifei played with it for a while. It's not that Xiao Yifei doesn't want to get the black nose out, but if the black nose comes out, there will be a lot of trouble, not all places can bring pets, Xiao Yifei has not yet determined whether the black nose is aggressive. And there are people around him at all times during this time, so he can't have a black nose for a while, and a black nose for a while. So Xiao Yifei simply let it stay inside, and then get it out when he settled down.

The next day, everyone drove into Napa Valley. Xiao Yifei has been looking forward to this place for a long time, and this is the first time he has stepped into this American "Bordeaux".

The United States is the world's fourth-largest wine producer, and California, located on the west coast of the United States, produces a large amount of wine, accounting for 90% of the country's production. Although Napa wine accounts for only 4% of California's total wine production, it accounts for about 30% of the production.

Located about 50 miles north of San Francisco, the Napa Valley was the first wine region in the United States to rank among the world's ranks. Napa Valley is a narrow 35-mile-long and 5-mile-wide stretch of land filled with grapes except for wineries and a few small towns.

As soon as you pass Napa City, Napa County, you enter Napa Valley.

When we talk about the administrative structure of the United States, the top must be the federal government, followed by the states, and below is the county (also translated as county). Below the county are the cities and towns, and the cities and towns are a hierarchy, and there is no question of who is in charge of whom, so we often see a small town in movies and television called the mayor. In this article, for the sake of necessity, the larger ones are called cities, and the smaller ones are called towns.

Napa Valley is the wine country of America, and the valley floor and the gentle slopes on both sides are full of vineyards, neatly arranged rows of vines, and this is the time when the vineyards are at their greenest, and the emerald green is everywhere.

In 2008, Napa's agricultural output value, including planting and animal husbandry, was 409 million US dollars, of which grape cultivation accounted for 400 million, that is, excluding grape cultivation, the other output value was only 9 million.

Most of Napa's more than 100,000 residents work with grapes and wine, and there are also a large number of illegal workers who work in the vineyards as seasonal workers.

Xiao Yifei looked at other people's vineyards, neat and clean, and it was refreshing to look at. And in his own Osiris space, it is chaotic and unplanned, and the gap is huge.

Thank you for your support, the top of the newcomer signing new book list yesterday climbed to the homepage, you are too powerful. Thanks to the book friends "Youngshine", "Final-Fantasy", "xiaotang246", and "Mending Heavenly Heart" for their tips.

I'm sorry guys, but I'm updating this 5K two-in-one update today. The next 5K chapters are also counted as two chapters, let me be a little bit more relevant.