(The new book list has rushed to the third place.,It's not easy.,It's really crying.,Update a chapter to ask for recommendation votes!) ）

The materials prepared by Zhang Biyun were sandwiched with a note with the words "know very well" written on it. Xu Jian glanced at Zhang Biyun in surprise, and seeing the look of affirmation in her eyes, he knew that the young man in front of him had investigated the details of Xinghu Garden. The deeper the other party's effort, the greater the interest, Xu Jian was not dissatisfied, and handed the teacup brought by Zhang Biyun to Lin Quan in person.

Xu Jian took out his business card and handed it over: "My person Xu Jian, please ask Mr. Lin for more advice." ”

Lin Quan took Xu Jin's business card, folded his feet, leaned on the cushions of the soft chair, and looked at it with a leisurely look.

Zhang Biyun handed Sun Feifei's business card to Xu Jian and said, "Mr. Lin is going to buy a batch of employee welfare housing, and Miss Sun is Mr. Lin's assistant. ”

"Oh, I don't have a business card," Lin Quan picked up Sun Feifei's business card, wrote down his name and phone number, pushed it in front of Xu Jian, and said self-deprecatingly, "Ping said that he didn't do anything, and he didn't know how to send business cards, which made Mr. Xu smile." ”

"How many sets of employee welfare housing does Mr. Lin want to buy?" Xu Jian picked up the business card, "Mr. Lin's company is in Nangang, the place is a little unfamiliar, I don't know what Mr. Lin's company operates?" ”

"The company that Mr. Xu is familiar with probably will not come to Xinghu to buy employee welfare housing. It doesn't matter where the company is, the important thing is ......" Lin Quan took out the loan commitment letter issued by the Binjiang Branch of the CCB from his briefcase, "The important thing is that the CCB recognizes my company and is willing to provide a loan of 2 million for employee welfare housing." ”

Xu Jian took the loan commitment letter, and a powerful private company to buy welfare housing for employees should not ask the bank to issue a loan commitment document for the amount of 2 million yuan, and looked at Lin Quan suspiciously.

"Please ask Mr. Xu to assign a staff member to go to the nearby CCB with Assistant Sun to inspect this document, if Mr. Xu has doubts, he can't talk about buying a house."

Xu Jian's face changed, after all, it was a big deal of two million, even if he was suspicious, Xu Jian would not show it, seeing that Lin Quan offered to go to the bank for verification, it was really good, and handed the loan commitment back to Lin Quan's hand, and said: "Then please trouble Miss Sun to accompany Manager Zhang to the Central Branch Branch." ”

When Zhang Biyun and Sun Feifei walked out of the office, Xu Jian already believed that the loan commitment was real, and also knew that the so-called joint investment company in front of him was a shell company, and Lin Quan bought a large number of welfare houses for other purposes, and pondered Lin Quan's background for a while.

"Why did Mr. Lin go to Xinghu to buy welfare housing?"

"I heard that Lijing is forcing Xinghu very tightly, I think the housing price of Xinghu is easier to negotiate, I hope the price is 600 per square meter, a total of 3,000 square meters, and a loan commitment of 2 million as collateral, until the property rights are handed over, within a month, I will pay the house in full."

"What if Mr. Lin can't make up the money for the house?"

"Presumably, Mr. Xu knows the meaning of the loan commitment, as long as Mr. Xu fulfills the obligations stipulated in the contract, when the time comes, even if the United Investment Co., Ltd. does not exist, Mr. Xu can still take this loan commitment to the bank to cash."

Xu Jian nodded hesitantly, if the loan commitment letter is true and valid, although the procedures are more troublesome, for Xinghu Company, there is indeed not much risk to take, many powerful companies often apply to the bank to issue a loan commitment letter as a credit certificate, usually tens of millions, hundreds of millions of yuan of large amount of commitment vouchers.

As for the illegal practices and even violations of law and discipline behind it, it is definitely not something that Xu Jian should consider at this time.

"What does Mr. Xu think?"

"Ahem, Mr. Lin is quite familiar with the situation of Xinghu Garden, presumably I won't say it, Mr. Lin also knows that the house in Xinghu Garden, the cost per square meter is more than six hundred, when the market opened, the property price was one thousand, and then it will be reduced to eight hundred, and now it is discounted by eighty-fifty, which is already the cost price of Xinghu Garden."

"Why don't you wait for Mr. Xu to accept this price, and then I'll come and talk?" Lin Quan smiled, "I heard that Xinghu owes more than four million yuan for the construction project in Xicheng, and it will be due in more than two months." Give Mr. Xu another half a month's work, and he will probably accept my offer. ”

Lin Quan saw his death: he had to raise the project money owed to Xicheng Construction within two months, Xu Jian shook his head and smiled bitterly, he forced Chen Mingxing out of breath, and he was helpless against the hairy boy in front of him: "Xinghu has no secrets in front of Mr. Lin, I accept the price of six hundred, but the mortgage of the loan commitment letter is not enough, can Mr. Lin attach conditions that make Xinghu more assured?"

Lin Quan shook his head, although he had the land deed given to him by his grandfather, he was unwilling to take it out. Xu Jian is almost desperate now, even if there is a big risk, there is no room for him to choose.

"Mr. Lin works in the municipal party committee?" Xu Jian pointed to the Nissan car under the glass curtain wall.

"This car and the driver are borrowed to support the scene, so as not to be paid attention to by Mr. Xu."

"Mr. Lin said with a smile, being able to borrow a car from the municipal party committee shows that Mr. Lin is very capable." Xu Jian thought for a while, "Mr. Lin, do you think this will work?" Mr. Lin has a company, a loan commitment, and can apply for a personal mortgage loan from the bank, and I have a lawyer friend who can make a complete income certificate for Mr. Lin. ”

"I don't have the money for a down payment?"

"The house price is set at 860 yuan, with a mortgage loan ratio of 70%, which is exactly 600 yuan per square meter, and the bank will pay the full amount of the house for Mr. Lin, and the property rights will be transferred to the end as long as Mr. Lin raises funds and returns them to the bank, which has nothing to do with Xinghu."

"What a good idea," Lin Quan laughed, "It's better to set the house price at 1,710 yuan, and the bank will pay 1,200 yuan per square meter of house, so that as long as you take half of the house to mortgage the mortgage, you can pay all the house payments, and the rest of the house will be directly moved to the name of the joint investment company." ”

Xu Jian looked at Lin Quan in surprise, and his tone frightened: "Mr. Lin has great powers, I don't know which bank will provide Mr. Lin with a mortgage loan?" If the loan fraud is found out......"

"Loan fraud? Mr. Xu is joking, I repay the loan on time every month, how can it be a fraud? If Mr. Xu's lawyer's friend's firm can make a proof of income for me, I can consider buying Building No. 9 for 3.8 million yuan, so that Mr. Xu doesn't have to worry about the project payment......"

"Knock knock......" Zhang Biyun pushed the door in, and saw that Xu Jian's face was a little pale, but Lin Quan's eyes were burning and shining, and he leaned forward, his momentum was a little aggressive. Zhang Bijun didn't know what Xu Jian talked to this Mr. Lin when she left, and the atmosphere was a little weird.

Lin Quan leaned back in his chair and took the loan commitment letter from Sun Feifei's hand: "Manager Zhang, is this loan commitment true and valid?" ”

Zhang Bijun said to Xu Jian: "I have been to the central sub-branch, and it is indeed a loan commitment letter issued by the Binjiang Road Branch Office to United Investment Co., Ltd. ”

Lin Quan put the loan commitment letter into his bag and stared at Xu Jian: "Which plan does Mr. Xu want to use?" ”

Xu Jiantai needed that money to relieve the company's financial pressure, and he knew in his heart that since Lin Quan could get a loan commitment, it would not be a problem for the mortgage loan to pass the bank's review. Xu Jian hesitated for a while, stood up, and stretched out his hand: "Mr. Lin's suggestion is quite good, I will personally handle the formalities for Mr. Lin." ”

Lin Quan stood up and held Xu Jian's thick palm: "Okay, tomorrow, Assistant Sun will negotiate the relevant details on my behalf." ”

Lin Quan still made a high-value appraisal of the old house and submitted it to Wu Guoxin's Binjiang Road branch office as a personal proof of assets, together with the income certificate made by the law firm based on the documents of the shell company. Through Wu Guoxin's relationship, he did not encounter any difficulties in the evaluation of the real estate value of Xinghu Yuan, the review of personal asset appraisal materials, and the actual income proof materials. Sixteen days later, a total of 24 properties in Building 9 of Xinghu Court were pledged to the Binjiang Road Branch of CCB as collateral for the mortgage loan, and the remaining 24 properties were transferred to the name of Jinghai United Company, and at the same time, the 3.8 million yuan deposited by the bank into the designated notary account was transferred to the account of Xinghu Real Estate Development Company.

Lin Quan also used 24 properties in the name of Jinghai United Company as collateral, and through Wu Guoxin's relationship, the Tianxing Lake Branch of CCB provided a project loan of 5 million yuan to "Jinghai United Company", and used this loan to repay the personal mortgage loan previously handled in advance.

Lin Quan turned around and applied for a loan to the Binjiang Road Branch, requesting that the 3.8 million yuan that had just been repaid be loaned out, and the collateral was the 24 properties that were about to be transferred from his personal name to the name of the United Investment Co., Ltd. Sun Feifei is running the procedures for commercial loans these days, and as long as the law firm designated by CCB passes the review of the materials, the huge amount of 3.8 million yuan will be transferred to the company's account.

In less than half a month, with the cooperation of Wu Guoxin, the joint investment has 48 commercial houses under its name, and there are nearly 5 million funds in the account, and of course it still owes nearly 9 million yuan in loans to the bank.

Lin Quan falsely reported the house price, mortgaged the property to the bank at a high price, and obtained a commercial loan of five million, Sun Feifei knew better than anyone that she ran most of the procedures on behalf of Lin Quan. Sun Feifei has some understanding of basic financial knowledge, and it is inevitable that she is a little afraid when she thinks about it. When purchasing the real estate of Xinghu Garden, Lin Quan and Xu Jian agreed that within the next year, the price of the real estate in Xinghu Court shall not be less than 1,500 yuan per square meter, which is only a seamless legal procedure, but the superficial prosperity can only be maintained until the loan expires.

But the process made Sun Feifei feel indescribably excited. Since meeting Lin Quan, she has been in contact with people who have rarely been in contact with her organically, and Lin Quan seems to have brought her into a secret dream.

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