Star．Coffee。

Anliang and Tsuji Hondo are communicating, and Anliang asks bluntly what is the purpose of Tsuji Hondo.

Tsuji Hondo smiled and said, "President An, I'm here to help you!" ”

"Huh? I'm listening! An Liang looked interested.

Hondo Tsuji took out an A4 printer paper from his handbag, put it on the coffee table, and pushed it to An Liang, "President An, you can take a look first." ”

An Liang picked up the A4 printer paper, there is only a set of data on it, that is, the approximate estimate of Star.Apple's apple production, although it was not guessed, but it is far beyond the data released by Star.Home.

"Mr. Tsuji is really well-informed!" An Liang did not affirm the data, nor did he deny the data, but just said ambiguously.

"President An, we are also old friends, so I will say it bluntly, do you need a loan? We can provide a loan to President Ahn! Tsuji Hondo said with a smile.

Yasarashi didn't ask why Tsuji Hondo knew he needed a loan. Tsuji Hondo is deeply involved in the rise of the Star.Group Group, and he basically knows the situation of the Star.Group Group.

Including the Star.Group Group's current cash flow shortage, according to Tsujihondo's information channels, I am afraid that it can also be speculated.

"What about the conditions?" An Liangcai didn't believe that there were no conditions, and Tsuji Hondo himself said that he and the capital behind him were chasing interests.

When there are interests, they will chase!

If there are no interests, then what does it have to do with them?

Tsuji Hondo laughed, as if Yasara's admiration for him had been. Tsuji Hondo also likes to work with Yasara, because Anra knows it clearly. If you get it, you give it, rather than hoping to get it for free.

"It's just some service fees and interest." Tsuji Hondo said with a smile. "We have fully understood, and trusted, Chairman Ahn's ability to repay his debts, and we don't need any collateral or other collateral. We can accept a line of credit from President Ain. ”

"What are the service fees and interest?" An Liang asked again.

Tsuji Hondo didn't answer immediately, but said more screening criteria, "The amount of service fees and interest is related to the amount of President Ahn's loan, as well as the time. In simple terms. If President An borrows more, the lower the service fee and interest; The longer the loan, the higher the service fee and interest. ”

Yasarashi understands what Tsuji Hondo means, and Tsuji Hondo is ready to make a short-term loan, right?

"What if I can't pay it back in a short period of time?" An Liang asked with a smile.

"We believe in President Ahn's ability to repay! After all, we are very optimistic about Star.Garden, Star.Apple, Star.Hotpot, and the newly established Star.Dr. Tsuji Hondo said with a smile. Apparently very knowledgeable about the Star.Group group.

After a slight pause, Tsuji Hondo continued, "In addition, we have prepared a second plan for President Ahn. If President Ahn is unable to repay the loan in a short period of time. It can also be converted to a long-term loan, which is fused into the same loan as the previous one, with the same service fees and interest! ”

The last loan was a loan for the acquisition of an apple orchard in the Chengguang era. A total of 100 billion, of which the cost of services is 10 billion. The interest is 20 billion and the repayment date is five years.

But. The 10 billion yuan of the service fee was not paid by Anliang, but was negotiated between Tsuji Hondo and Zhao Liang of the Chengguang era apple orchard, so that Zhao Liang reduced the price of the Chengguang era apple orchard from 100 billion to 90 billion.

"Let's talk about the interest and service fee plan for short-term loans!" An Liang also prefers short-term loans, Star.Group Group is not short of money, and now there is no necessary financial pressure, naturally there is no need for loans, and the service fees and interest are paid in vain.

Tsuji Hondo explained, "In terms of quotas, we have set four levels, which are less than 50 billion won, 50 billion to 100 billion won, 100 billion to 200 billion won, and more than 200 billion won. In particular, if it is about 200 billion won, we will dispatch financial personnel to the Star.Group Group to assist in financial management. ”

The dispatch of financial personnel is just to prevent the Star.Group Group from defaulting on its debts, and Yasarashi doesn't mind Tsuji Hondo saying it, he likes to make it clear.

"In terms of deadlines, we have also set four levels. respectively within a month; one month to two months; Two months to three months. If it exceeds three months, it is classified as a long-term loan, and the maximum period is limited to five years. "Tsuji Hondo explained the repayment schedule.

After introducing the loan amount and repayment schedule, Tsuji Hondo began to explain the tariff, "The basic amount of service fee and interest is 3%. Four loan line options, from low to high, service fees and interest, are 4% to 1% respectively; The four loan time options are 1%, 2%, 3%, and 15% respectively based on the time from less to more, and the percentage increase of service fee and interest respectively. ”

After a simple acceptance, Tsuji Hondo smiled and said, "If it is more than three months, we will indeed calculate it as a five-year loan. So, the service fees and interest are high. ”

An Liang thought about it for a while, and the most suitable loan plan should be to increase the loan amount as much as possible and shorten the loan time as much as possible.

For example, when you choose the third tranche and take out a loan of 100 billion to 200 billion, it happens that the critical Tsuji Hondo and the capital behind it will send financial personnel to station, and you can enjoy a fee markup as low as 2%.

At the same time, the loan time, as far as possible, choose less than one month, the service fee and interest is one percent.

All combined, the base amount is 3%, plus the loan amount is 2%, and the time limit is 1%, which is only 6% in total!

The service fee and interest add up to 12%, which is 12%, and Anliang is also acceptable, not too much of a pit!

Even if it is not returned within the time limit, it will be increased to two months, or even three months, and the amount will be increased by one percent every month, which is also within the acceptable range.

In three months, Star.Apple has sold two installments, and 100% of the loans can be repaid, and An Liang has no worries at all.

"President An, what do you think?" Tsuji Hondo asked.

An Liang thought about it for a moment, "It's basically okay, but I think it's a little more complicated." ”

Tsuji Hondo smiled and said, "Does Chairman An have any proposals?" ”

"There is no need to delineate so many categories of loan amounts, nor do you need to delineate so many categories of repayment time, and then reduce the amount of service fees and interest a little bit." An Liang said with a smile.

Tsuji Hondo thought about it for a while, and then agreed, "It's okay for President An to say it, I don't know if President An has any detailed plans?" ”

"I need a loan of 200 billion, and in addition, I need to repay it within three months. The service fee is 2.5 per cent and the interest is 2.5 per cent. An Liang said his plan, and directly waved the dragon slaying knife, cutting off all the service fees and interest. Even basic service fees and interest have been cut by 0.5 percentage points.

According to Tsujihondo's proposal, the 200 billion yuan loan with a three-month repayment period adds up to a base percentage of 3 percent, plus a weighted percentage of 2 percent of the loan amount, and a weighted percentage of 3 percent of the repayment period, the single service fee and interest are 8 percent, adding up to 16 percent.

An Liang wants to cut off eleven percentage points!

Hondo Tsuji showed a wry smile, "President An, isn't this a little too much?" ”

An Liang responded with a smile: "Mr. Tsuji, we have worked together twice, and you should also know my character." Although I want to borrow 200 billion, in reality, I can't use 200 billion at all. Another point is that the loan of 200 billion yuan is only a short-term loan. In just three months, I paid a total of five percent of the fees, which is also 10 billion, right? Whether it is the capital behind you or the bank, you can get a share of 5 billion. ”

Yasura paused for a moment and continued, "I believe that Mr. Tsuji also knows that the repayment ability of our Star.Group Group is basically impossible to have bad debts and dead debts. Regarding this loan, there is no need to worry about the bank at all, so what's so bad? In just three months, we can get 5 billion, to be honest, our Star.Group group's monthly profit is not 5 billion! ”

Tsuji Hondo rolled his eyes, if he believed what An Liang said, Star.Group Group couldn't make 5 billion won a month, then he would be a big fool!

However, Tsuji Hondo thought about it, and Yasara's right statement is that the loan of 200 billion yuan is only a short-term term of three months, and considering the repayment ability of the Star.Group Group, it is indeed the best loan customer.

In just three months, he made a profit of 5 billion, and whether it was the bank or the capital behind Tsuji Hondo, it should also be satisfied.

After all, it's an empty glove white wolf!

Even if it pays a loan of 200 billion, the repayment ability of the Star.Group group is unquestionable, isn't it equivalent to an empty glove white wolf?

"President An, I have to say, you have convinced me again! You're right, with a three-month short-term loan and your Star.Group Group's evaluation of repayment ability, what are we not satisfied with? Tsuji Hondo said with a wry smile.

An Liang smiled and said, "Haha, happy cooperation!" ”

Tsuji Hondo responded, "Happy cooperation, President Ahn!" ”

"By the way, Mr. Tsuji, I have one thing that I need your help with!" An Liang said with a smile, 200 billion loans, An Liang can take a good hand Han Minggong...

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【Thanks】

Mrwsy, tip 588; Like a horse and a dragon, the king of the earth after the emperor, Xiaoxuan fungus, a reward of 100; (To be continued.) )