Chapter 106: Smash the rivers and lakes to a pulp!
Li Ze is not very familiar with the city, especially the small loans in the city, and can only check the relevant information on the Internet.
And the small loan advertisement, which ranks first in the search engine, is a familiar company.
Dongyong Oba Financial Company!
I didn't expect that they were also involved in loan sharks!
It seems that the big guy who is called a brave god in the rivers and lakes is indeed very powerful.
After dialing the contact number, Li Ze came to the office of Dongyong Oba Financial Company at the appointed time.
Under the building of Dongyong Oba Financial Company, there are more than 100 social spirit guys in black clothes and black trousers.
Li Ze knew that this was probably a member of the collection team.
These tattooed social spirit guys in black clothes, black trousers, and gold chains, one by one, are vicious.
But these people shouldn't have an intersection with Li Ze, to be reasonable, Li Ze won't be able to repay the loan shark, right?
In the office, Li Ze met with the manager of Dongyong Oba Financial Company.
To Li Ze's surprise, the manager this time was actually the brother he asked for last time.
Isn't he at Dongyong Oba Human Resources Company? Why did you come to a financial company to manage the anti-aircraft artillery again?
The manager also knew Li Ze, and when he saw that Li Ze's gaze was a little puzzled, he smiled professionally and said, "I just got promoted recently......
It turned out to be a promotion.
Li Ze directly said his intention: "I need a loan with an amount of 10 million and pay it off within 18 months." ”
"10 million?" The manager was taken aback, and then said in embarrassment: "10 million, our company has the ability to release it, but 10 million is not a small number, and the interest generated is also very high." ”
"Mr. Li, you just open a ramen shop, is it too much to borrow 10 million?"
Li Ze smiled slightly, as expected!
Throwing a stack of materials on the table, Li Ze lay lazily on the chair and said, "I knew you would say this, but after reading this stack of materials, I think you will no longer doubt the strength of our rivers and lakes." ”
In the information, the current operating conditions of Jianghu are listed, as well as the profit model and expected profit of Jianghu after the upgrade.
Behind every piece of information, behind every bit of data, Li Ze listed the relevant basis. Be clear and well-worded.
Such a piece of information can be said to be reasonable and convincing.
The manager looked down at the information of the rivers and lakes, and nodded frequently. He also knew that the rivers and lakes had been very popular recently, but he didn't expect that this humble little ramen shop would now be so popular!
This kind of profitability is a myth for a small ramen shop with only two stores!
Unlike other high-risk businesses, the ramen business, especially in the noodle city, can last a lifetime!
People in the noodle city eat ramen, and they can't get tired of eating it!
A classic ramen recipe that can be passed down for decades and still attracts countless diners!
And now it seems that this business is so hot and the ramen tastes so good, there is really no risk point for bad debts!
After a while, the manager said to Li Ze with a bright smile: "Mr. Li's business is really booming, and it is worthy of being listed in the "Cairo Food Newspaper" ramen shop, and it is indeed full of potential. Li Ze's renovation and upgrading plan, grand and novel, fascinated me deeply. ”
"Even if you don't expand your business, it must not be difficult to earn 10 million in 18 months with the current rivers and lakes."
"I am personally very willing to provide a loan to your company, but I must be cautious about lending such a large amount, please wait a while."
The manager hurriedly dialed a few phone calls to report that the Jianghu ramen shop wanted to borrow 10 million yuan, and sent personnel to Jianghu for a field visit.
In order not to let Li Ze sit and wait, the manager invited Li Ze to relax for a while in the cinema-style foot bath city next to him.
While watching Blu-ray Hollywood blockbusters, it is also pleasant to let the girl massage her feet to relax and rejuvenate.
Two hours later, the results of the audit of Dongyong Oba's senior management came down.
Quality customers! Agree to lend!
The top management agreed, and then the details of the loan could be negotiated against.
The most important point of the so-called contract details is the interest rate.
The manager first gave his conditions: "10 million principal, 18 months term, 24 million repayment due." ”
Borrow 10 million to repay 24 million? Interest up to 14 million?
Li Ze doesn't plan to accept this condition!
Smiling and shaking his finger, Li Ze said, "This interest rate, it seems that I can't accept it." ”
The manager explained: "Mr. Li, please be clear that the interest rate of an 18-month loan is not high. ”
Shaking his head, Li Ze smiled: "Maybe this interest rate is not high, but I still don't plan to accept it." In fact, 10 million in cash is only, even if I don't borrow money, I can still earn 10 million very quickly. ”
"And ......," Li Ze showed a confident smile, "I believe that there will be many companies that are willing to give me loans." ”
The manager's smile suddenly stiffened a little, and he knew that what Li Ze said was the truth.
With this kind of profitability of Jianghu ramen shops, it is easy to make money, and it is even easier to find a loan.
"Our Dongyong Oba Company and Jianghu are cooperating for the second time, so I can provide additional discounts, borrow 10 million, and repay only 18 million in 18 months."
"What do you think of this condition, Mr. Li?"
For the loan shark industry, 10 million repayment of 18 million is indeed a fairly fair price.
However, Li Ze still did not accept it.
I am a high-quality customer with super repayment ability, and lending money to myself is equivalent to picking up money, and if you don't do it, someone else will naturally do it.
After some bargaining, the final agreement was that the interest was 18 months, 200,000 per month, and 10 million + 3.6 million when due, totaling 13.6 million.
Don't look at Li Ze still has to pay 3.6 million interest, but being able to bargain to this extent is simply a mythical bargaining ability.
After getting the money, Li Ze directly interviewed the owners of the two storefronts next door to the left and right of Jianghu.
Li Ze remembered that when he first came, the store next door was also a shop selling ramen, but because Red Star was too strong, these two stores were also closed and transferred one after another.
Now, if Jianghu wants to expand its façade, it has to eat these two first.
This time, Li Ze was deflated!
I bargained with Dongyong Oba's manager before, because Li Ze himself was a high-quality customer, and the competition in the small loan artillery industry was fierce, so Li Ze could bargain and get an ultra-low interest.
And now, the owners of the two stores next door are also sure that the full rivers and lakes need to expand, so they set the prices of 1 million and 1.2 million respectively.
The price, a bit high!
Li Ze won the two rows of facades in the rivers and lakes, and only spent a total of more than 90 tens of thousands!
And the single façade next door to the left and right will cost more than 1 million!
It's basically twice as much as the façade of the rivers and lakes.
In the end, Li Ze could only reluctantly accept these two prices!
Those who become big things are not informal, in order to make more money, Li Ze has no time to waste here!
The price of the space on the second floor is fair, after all, if the price on the second floor is too high, then Li Ze will directly buy more storefronts.
Everything is ready, only the digging truck is owed.
The decoration workers rushed into the rivers and lakes, smashed them all over, and directly smashed the rivers and lakes to a pulp!