Chapter 81 Conscientious Loans

Taking the coconut that Song had scooped up from the water, Qin Ran tilted his head and poured it down, and a sweet taste poured straight into his throat.

"Whew-"

The big golden turtle under Qin Ran's feet seemed to smell something, raised his head and called out to him.

"You want to drink it too?"

Slowly pouring the coconut water, the big golden turtle raised his head and closed his eyes and kept drinking it with a satisfied expression.

"Song, this turtle has been following me, I definitely can't bring it back to China, how to deal with it?"

Sitting in the wooden house by the sea, Qin Ran looked into the distance.

"Boss, why don't you help it build a home on the island, and let it live there in the future, so that Golden Turtle Island will live up to its name."

Song replied respectfully.

"It's not illegal, is it?"

"No, I have already reported to the government, and it is estimated that officials will come to discuss the matter of the Holy Turtle with you in the afternoon."

When Qin Ran heard this, he hurriedly asked.

"They're not going to come and take the golden turtle away, are they?"

Although it has not been for a long time, he and the golden turtle have already established a preliminary relationship.

"Rest assured, the golden beetle is a sacred relic, and we respect its choice. I'm guessing I'm here to discuss with you how to properly place this sacred turtle. ”

In the afternoon, three local government officials from Diga arrived at Golden Turtle Island by seaplane.

As soon as they saw the big golden turtle under Qin Ran's feet, they all quickly knelt down and bowed.

Leading the team was Mr. Nonnez, the Minister of the Interior of Diga, who has a population of less than 300,000, so he is almost equivalent to the deputy head of a county in the country.

For a big investor like Qin Ran, the Diga government is very concerned and does not dare to offend, so Mr. Nonnez was very polite and exchanged some views with Qin Ran.

"The government wants to help build a small sanctuary on the island to make it its home."

Song translated in real time.

Qin Ran nodded after listening, as long as he didn't take the big golden turtle away, it was easy to say.

"But in terms of funding, the government is having some difficulties for a while. If you're willing to contribute, the government will consider some tax reductions. ”

Listening to Nonnezi's chirping words, Qin Ran really couldn't understand it, and he had to rely on Song to translate.

"I promise to protect the tortoise in accordance with the law of Diga, because it is my friend, and I am willing to pay for a home for it."

After finishing speaking, Qin Ran and Nonnez shook hands with a smile to show that they had reached an agreement, and after he went back, he drafted a document and signed a contract with Qin Ran.

"Song, is there a good designer for Diga, I want to change the original resort center design."

This on-the-spot visit completely overturned Qin Ran's original plan to invest in the construction of a three-star resort center at will, and he was ready to make a big effort to launch a five-star standard luxury resort island.

Knowing that Qin Ran was going to upgrade the standard of the resort center, Song seemed very happy, and he said that there was an old friend who could help.

The news of the golden turtle is deliberately blocked by the Diga government for a period of time, and will not be announced until the reserve is completed. Otherwise, as soon as it is announced now, people will definitely flock to see the true face of the holy turtle.

Song revealed the news of the Sacred Turtle, and his old friend Bangana immediately rushed to the Golden Turtle Island.

This is a gray-haired middle-aged man of the local ethnicity, and he is incredible.

After bowing respectfully, Bangana sat down to discuss business with Qin Ran.

In this regard, Qin Ran was already numb, it seemed that the power of the legend was too great, and the Diga people basically bowed to the big golden turtle first.

After Song's introduction, Qin Ran realized that Bangana is a well-known designer in Diga, and many local hotels and resorts are from him.

Qin Ran didn't have many requirements:

First, the overall building on the island looks like a turtle from the air. He took out a pen and paper and scribbled a few times, using Golden Turtle Island as his body, and then built a sea villa that extended out as limbs and tails, and his head was a pier.

Such an idea made the eyes of everyone present light up, and Bangana specially extended his thumbs to praise after reading it.

The second is that the home of the giant golden turtle should be close to the sea and open to the sea. Qin Ran meant that when the big golden turtle was tired of life on the island, he could leave on his own and return to the sea at any time.

The second request was equally wonderful, and Bangana kept nodding his head after listening to it.

The third is that the resort island should be designed to a five-star standard, with local architectural elements. At the same time, Qin Ran hopes that there will be more functional areas, denser buildings, and more rooms.

The third requirement is reasonable in the first half and a bit confusing in the second half, with many resort center villas being distributed with a focus on space and privacy.

"In the future, this place will mainly receive Chinese tourists, and we Chinese are used to lively places, and it is difficult to adapt to the quiet space space."

Qin Ran gave the reason, he was the investor, he said it.

All of a sudden, the standard will increase, and the cost of such construction will also increase significantly. Bangana simply calculates that it needs to invest at least $10 million.

10 million US dollars, equivalent to more than 80 million yuan, Qin Ran can take it out, but there is no need. Because although the domestic capital chain has eased somewhat, it will be tight in the foreseeable years, because land acquisition, development, and land acquisition are like a tight spell on Qin Ran's head.

"What is the interest rate of the local bank loan? If I can, I am ready to use this project as collateral to take out a loan to build a resort island. ”

Of course, a smart businessman will not invest all his money all at once, and it is most appropriate to use a loan to protect against risks.

"Well, the bank has to review the qualifications of different people before deciding the interest rate, or I will find a friend to come over tomorrow to talk and see what the conditions given by their bank are?"

It is convenient to have a local snake in a strange place, and Song's road is very wide, so there is no need for Qin Ran to run around. Let Song make an appointment with his friend, and then Qin Ran will have a good discussion with the bank about the loan.

As for the cost of designing the island, Bangana said it was his honor to design for the island and he didn't want to charge anything. But his subordinates still have to eat, so he will quote Qin Ran at a preferential price, $100,000 all-inclusive design drawings.

Make a sketch first, and then sign a formal contract with him after being satisfied.

At night, Qin Ran and his two subordinates chatted around the bonfire on the beach against the starry sky.

"Boss, are you too anxious to invest so much?"

Wei Dong couldn't understand why Qin Ran was willing to spend almost 100 million yuan on this island.

"If you look at the blue sky, the sea and the beach here, you can't enjoy it in China, right? If you have money and free time, would you like to bring your wife and son here for a visit? ”

Qin Ran said after throwing a piece of firewood into the fire.

"I'm definitely willing, after I build here, Lao Tzu will be the first to bring his family to play."

Without waiting for Wei Dong to answer, Li Desheng lay on the beach and looked up at the starry sky and said.

"Willing is willing, but what about the source of customers?"

Wei Dong thought for a while and then asked.

"There are 1.2 billion people in China now, and as long as there are 20 percent of the Chinese people who have money according to the simple 28 rule, they will be enough to feed our small island. In the next 10 years, we in Jingui Island will specialize in Chinese business. ”

Of course, Qin Ran is very optimistic, in the future, Chinese will travel all over the world to be local tycoon-level consumers, and there is really no need to worry about the source of tourists. It is only necessary to maintain the service level and develop the domestic market.

"Alas, although this place is good, I always feel that it is not my own home, and I still miss the noisy environment in China."

Wei Dong also learned from Li Desheng to lie on the beach and watch the starry sky.

"You're homesick, aren't you? In two more busy days, you should be able to return home. ”

The next morning, a seaplane landed early on the beach, and Song's bank friend hurried over when he heard that there was a big business.

Still bowed to the big golden turtle, Song's friend is also Chinese, and is currently the deputy manager of the Diga National Bank, whose Chinese name is Pan.

After listening to Song's explanation, Pan knew that Qin Ran was going to build Jingui Island into a five-star resort for $10 million, and now he wanted to apply for some loans from the bank.

"Our bank needs to review your personal qualifications to facilitate the decision on the interest rate and whether to lend."

Qin Ran nodded, fortunately, he had been prepared, he asked Wei Dong to help issue a credit certificate of 20 million US dollars at HSBC before he came. This certificate corresponds to the identity of "Qin Fusheng".

Jingui Island has a submarine fiber optic cable directly connected, so Pan picked up the phone and called back to the headquarters to help verify it.

Soon, the headquarters fed back that Qin Ran's credit certificate was true and valid.

After listening to Qin Ran's plan at first, Pan probably knew in his heart, after all, the people who could come to buy the island would definitely be rich or expensive.

"Depending on your qualifications, our bank will give you a loan interest rate of 4.5% per year, and we can provide you with a loan of $10 million for 3 years. However, it must be secured by the entire project and a certificate of guarantee from HSBC is required. ”

The 4.5% loan interest rate is really much more conscientious than in China, and Qin Ran of course nodded in agreement. The renminbi appreciated very quickly, and when the renminbi borrowed from abroad, and then the renminbi after the appreciation in China was exchanged back to the U.S. dollars to repay the loan, and the actual interest did not have to be spent.

The next day, Qin Ran was busy again, first flew to Diga Island, where the capital of Diga is located, signed a contract with a design company in Bangana, and officially hired them to help design the entire five-star resort plan of Golden Turtle Island. Qin Ran looked at the sketch and was basically satisfied with meeting his requirements. Then he came to the National Bank of Tiga and officially signed a loan contract of 10 million US dollars with the bank, which was specially used for the construction of the Golden Turtle Island Resort. After that, he went to the Diga government building to sign a contract with the Minister of the Interior, Nonnez, promising to protect the giant golden turtle and getting some tax incentives. During his talks with Nonnez, Qin Ran expressed his desire to build a small airstrip on an uninhabited island near Jingui Island. Nonnez responded that the government would consider this request, but hinted that Qin Ran and other island owners would need to bear the financial burden. 10 million dollars are smashed, is there still a runway left? Qin Ran made up his mind that if others didn't do it, he would invest it himself. If others want to use it in the future, he will not be a Chinese if he does not slaughter it back.

After finishing all this, Qin Ran and the three of them boarded a long-haul flight back to China the next day. Because there is no direct flight from China to Diga, they still have to take a foreign airline's passenger plane to transfer back to Jiangzhou via Hong Kong.

"At that time, we must let Secretary Huang help open a direct route to Dijia in Jiangzhou."

Qin Ran sat on the plane and said secretly.

To create a popular overseas vacation destination, Qin Ran has a lot to do. First of all, the domestic direct flight must be the problem he has to solve, as well as the promotion of domestic travel agencies, as well as the local service reception of Diga and the construction of the resort island, etc., which give him a headache.

Before leaving Golden Turtle Island, Qin Ran specially stayed alone with the big golden turtle for a while, telling him that he was going to leave for a while, and that he would come back to see it when he had time, so that he could enjoy it on the island. Perhaps knowing that Qin Ran was leaving, the big golden turtle stretched out his tongue and licked his trouser leg, and then returned to his temporary lair to stay.

With Song here, Qin Ran was very relieved about the safety of the big golden turtle.

(Supplement to Chapter 29 of January)