Although Bei Hai struggled with this price for a day or two, he finally decided to start construction according to this plan. Because Bei Hai really feels that there is no place to reduce. It is said that it is 2.7 million, this price is the price of shipbuilding, and now it does not include the longline winch, the rear small crane, etc., because these are not made by the shipyard, and they are all installed on the deck of the ship, and the shipyard only needs to reserve the installation position, so this kind of thing is not within the scope of the shipyard's bid.

Of course, the price of all these things is not included in the total price of shipbuilding, and these miscellaneous things are really fully matched. Congratulations to Beihai, the total price of this fishing boat is expected to exceed $3 million.

If you are reluctant to reduce the allocation, you can only grit your teeth and build, first signed a shipbuilding contract with the Mendelssohn shipyard, and paid a million dollars in advance for the shipbuilding, and the Mendelssohn shipyard began to order steel plates, propeller shafts and engines and other things. Bei Hai is holding this contract and preparing to run for a bank loan.

It took Bei Hai more than a week to prepare for the loan, and he hired an accountant in advance to help him calculate how much tax he should pay in April.

Bei Hai doesn't want to owe money to the IRS, and if he owes money to the bank, delaying it will be a credit reduction or something, although it is quite terrible, but there is still a discussion. Want to owe the IRS? I think it's okay! Forget it if you owe it, Bei Hai believes that his head can't resist this big hat for the time being.

Of course, almost all of Beihai's money this year has been spent, which means that Beihai can be fully tax-exempt this year, because consumption is encouraged here in the United States and only one layer of tax is generally charged.

Although there is no need to pay taxes, but the process of applying for tax refunds after filing taxes still needs to be done by accountants, which is too complicated and the tax declaration is also cumbersome, not to mention that most of the Americans in Beihai do not know how much tax they should pay when they have more income, so they have to turn to accountants.

If you want to take out a loan, Bei Hai is of course the first choice Wells Fargo Bank that she has been using, firstly, all her incoming and outgoing accounts are in this bank, and they know better about their ability to pay. Second, the main thing is to use it, and Bei Hai doesn't plan to change banks to play.

The bank in the small town was still a little troublesome to set up, and the staff Jian Yì Beihai went to Boston's bank with the materials and application form to handle it.

After Bei Hai listened, then go ahead! All the documents you bring with you and all the documents you have to cover up the bank, including the registration certificate of the owner of the house, and of course, the shipyard contract. With these things, Bei Hai went to Boston early in the morning.

It was a little early, the bank hadn't opened yet, Bei Hai parked the car in the parking lot and then bought a burrito at the roadside stall around the corner of the bank, Bei Hai waited for the bank to open while eating.

Ten minutes to go! Bei Hai looked at the watch in his hand, then stretched his head slightly and took a bite on the remaining half of the burrito. Afraid that the juice would get on his super expensive suit, Bei Hai ate this cake and chewed it slowly, worrying.

After eating the burrito, the time was almost at nine o'clock, Bei Hai took out a tissue and wiped his mouth, then picked up the parchment paper bag in his hand and walked in the direction of the bank.

When I got to the door, it happened that the bank's security guards opened the door. Bei Hai followed a few people and walked towards the bank.

When passing by the glass, Bei Hai also tidied up his hairstyle to make himself look more energetic. In fact, Bei Hai is still quite confident in the loan, because Bei Hai only borrowed 1 million, and it is not now, but it can be disbursed in April, and Bei Hai can repay the money to the bank with interest until the beginning of December.

I only need to borrow 1 million because although the total price is 2.7 million, there is still more than 500,000 yuan as a deposit, and this money will not be used to hand over to the shipyard after a year. Bei Hai considered the loan in detail, and even extended the repayment period for himself by one month to prevent any accidents from happening, and Bei Hai was full of confidence in his repayment plan.

"Sir, is there anything I can do to help you?" Looking at Bei Hai twice, the lady in charge of the bank hall appeared in front of Bei Hai with a smile on her face and asked very politely.

"I'm looking for Mr. Owen, Adam Owen, I've made an appointment to talk about this morning," Bei Hai said politely to the lady in her thirties, whose name was Debbie on the sign on her chest.

"Please follow me!" Debbie made a gesture of please to Bei Hai, then turned sideways and led Bei Hai inside.

Bei Hai followed the hall manager Debbie through a small aisle, and saw small intervals appear in front of his eyes. It's not like going to a bank, it's a bit like going to an ordinary company office area, and there are at least two dozen of these small compartments.

Debbie took Bei Hai around the corner, walked to the third door, knocked on the door, and then made a gesture of please to Bei Hai.

These cubicles are all exactly the same and almost all glass, not to mention the people standing at the door, even the people in the aisle who have passed by a mouse can also find it as long as they are careful, but it is two big living people like Bei Hai.

Seeing Bei Hai arrive at the door, Adam immediately stood up from behind the table, and after watching Bei Hai come in, he asked Bei Hai to sit down, and then asked Bei Hai what to drink, and then asked Bei Hai what he meant.

"My name is Hel, Helbe, I called you the day before yesterday to make an appointment, and today we will talk about the loan," Bei Hai said as he put the bag in his hand on the table.

"Hello, Mr. Hull, it's a pleasure to serve you" Adam knew who Bei Hai was as soon as he heard that he had reported his home.

Taking the bag of Wen Jiàn sent by Bei Hai, Adam opened it, and just as he was about to start looking, the door of the office was pushed open, and a young man, probably an intern or something, walked in with a coffee.

"You drink coffee first, I'll take a look at the information you provide!" Adam gestured to Bei Hai.

"Look!" Bei Hai took the coffee handed over by the intern girl and thanked the people, took a sip and began to look at the expression of Adam opposite, trying to get some information from his expression when he looked at Wen Jiàn, but unfortunately, the face of this person engaged in credit seemed to have stiffened muscles, and the expression did not make Bei Hai a little disappointed.

After about half an hour, Adam looked at the information brought by Bei Hai and made a few phone calls, and then said to Bei Hai: "Sir, I'm sorry! We can't provide your loan amount, please enrich your information before coming! ”。

After Adam finished speaking, he smiled and put all the Wen Jiàn back into the Wen Jiàn bag, and then put the paper bag in front of Bei Hai.

"What?" Bei Hai didn't believe his ears a little, and after asking something twice, he opened his mouth to Adam and asked: "I only need to borrow a million dollars, and everything I transferred last year's income was in your bank, and you know the details of the amount of transactions, and besides, my credit has always been very good." And I don't just use my boat as a counterweight, but I also have my house, why can't you lend it to me? ”。

Bei Hai is a little strange, not to mention that others say that Jade repaid the loan of 500,000 US dollars a month after the start of the fishing season in his own name, and his annual income is several times that of his, and he can't repay the loan with a loan of 1 million, so he still has to resist.

Adam explained: "Sir, it's that your credit limit is not enough to support your loan, and the price of the property that you are holding off is not calculated in this way, it is impossible to cover 100 percent of the total price, at most 70 percent. And your ship, yes, it's $2.7 million to build, that's fine, but if it's sold, it's going to be discounted, and we don't really look at the price at which it's sold again."

What Adam means is that your boat is $2.7 million, but if you can't finish it, it's just a pile of scrap metal, and even if you build such a boat and get it to the market, who wants it, the fisherman? I don't think it's practical! Rich want? It's not good enough! In the eyes of the appraisers of Adam's bank, except for the shipowner, no one would really spend $2.7 million on such a thing, and it would be a death to sell such a thing for four or five hundred thousand dollars in the market.

Let's talk about the problem of Bei Hai and Jade Compare, Bei Hai makes more money than Jade Jade, but the reputation of Jade and Finch has been accumulated for more than ten years, and the bank is very sure that he has the ability to repay this money, which is a matter of longer time and shorter time. After all, it has only been a year on Bei Hai's side, how can the bank just lend a million dollars to Bei Hai, it is too risky.

"Can you help me ask again, I don't want to borrow for a long time, not even a year, that is, a few months!" Bei Hai thought for a moment and said to Adam: "I have been a loyal user of your bank since I was an adult, and everything I can provide to withstand the pressure is here, you can help me take a look again!" I am very confident about repayment! ”。

The bank's refusal made Bei Hai a little unsure of how he couldn't get a loan of one million dollars when he put out such an expensive thing. Without the guarantee of this money, the shipyard may be shut down in two months, which is a lot of delay. There was no way, Bei Hai had to grind with Adam for almost ten minutes!

It's a pity that Adam has only one apology in his mouth, at most he wants Bei Hai to go back and enrich the information.

Bei Hai walked out of the door of the bank listlessly with the bag of Wen Jiàn, and then turned his head to look at the words Wells Fargo and sighed: "It's really a matter of money when it's used!" The grandson who has been a grandson for more than ten minutes has a smiling face, and he is stunned that he has not deducted any hope! ”。 R1152