Chapter 763 Loan (Asking for Subscription, Reward)

But when Ji Chang said that he wanted to borrow 20 million loans, the lobby manager was stunned on the spot.

Looking at Ji Chang cautiously, the lobby manager asked with doubts: "Mr. Ji, it's convenient to ask, what are you borrowing so much at once?"

After all, looking at Ji Chang's dress, he doesn't look like an upper-level figure in a large group company or something, and suddenly borrowed so much money to make an investment?

This...... The risk is too great.

Even if you are willing to help, this huge loan must be guaranteed.

At least there must be a fixed asset with almost the corresponding value, followed by the equivalent of 20 million, to be able to settle so many loans.

He...... Have it?

This "convenient question" is just a polite remark, even if the bank is willing to borrow, you have to fill out an application form, what are these loans for.

"I started a project in the village, and now all the money has been invested, just borrowing some loans for turnover!"

Ji Chang explained.

And Ji Chang believes that even if it is 20 million, he can pay it back quickly.

Not to mention that the organic cabbage is very hot now, and it is selling well, and the daily sales can basically reach more than 16,000.

Coupled with the window of the No. 2 canteen, the daily sales are basically about 70,000 or 80,000 yuan, and the distribution is at least more than 50,000 yuan. And that's not even counting the two canteen windows that were already contracted yesterday and were about to open.

There is also the sales of wild mountain apricots, which have not stopped, and even more popular, with a net income of about 20,000 yuan per day.

The biggest head is still from the Accord Business Hotel, and Ji Chang estimates that the net income from Accord is about 120,000 yuan per day.

With such a total sum of zeros, his daily income is more than 200,000 yuan.

Even if it is a net income of 200,000 yuan a day, it is 2 million in ten days, that is, in three months, he can pay off these loans in full.

Maybe at that time, the roads in the village had not been repaired, so he paid off the loan first.

All this is not counting the income from the aquatic products in Riyue Lake, which can be fished in a few months.

But Ji Chang thinks so, but other banks must pay attention to the evaluation of fixed assets, otherwise such a large amount, who would dare to put it out easily.

"Mr. Ji, your amount is a bit big. Is it an investment in a factory?" the lobby manager rubbed his forehead, not thinking that this was an easy matter.

I thought that Ji Chang would take 358,000, or 100,000, for a small investment, or a turnover to use, who knew that it would be 20 million.

Even the governor does not have the right to directly approve so many loans.

The application has to be sent to the headquarters in the capital, whether it can be approved, or not.

Before Ji Chang could answer, the lobby manager had already gotten up: "Why don't you sit here for a while, have a cup of tea, and I'll call our president over." After all, the amount of your loan is a bit large, I, my level, can't be the master, sorry~~"

People can tell the truth directly, and Ji Chang is already very satisfied.

And people are still very enthusiastic to help themselves invite the president over, so Ji Chang naturally has nothing to say.

About ten minutes later, the president of the Industrial Bank, a middle-aged and slightly chubby man, walked over with the lobby manager.

While walking, the lobby manager was still talking in the ear of the middle-aged fat man, Ji Chang had a keen hearing, and after a little concentration, he vaguely heard what they were talking about.

What "he is the ...... of the last bank robbery" and something like that, obviously he is saying good things for Ji Chang.

Ji Chang had a good impression of this lobby manager in his heart.

"Hello Mr. Ji, I am Qian Guoqiang, the president of Bixing, I heard our manager say that you want to borrow 20 million, let's talk about this in detail!"

Qian Guoqiang is also a person who does things, and he came up and went straight to the point.

And he didn't forget to shake hands with Ji Chang, "The last bank robbery, thanks to Mr. Ji's action, saved the employees and customers of our bank, and caught the robbers." On behalf of IB, I would like to express my sincere gratitude for your courageous deeds!"

"President Qian is polite!"

Ji Chang shook hands warmly, and the two sat on the sofa respectively, with the lobby manager on the side.

Then, Ji often talked about the purpose of the loan.

President Qian pondered for a moment, gratitude is one thing, Ji Chang acted bravely, saved the bank's employees, and arrested the robbers, President Qian did have gratitude to Ji Chang.

If it is said that with this relationship, Ji Chang can borrow more than a dozen, dozens, even if it is millions, and as the president of the Huangchuan branch of the Industrial Bank, he can also be the master.

But this calf opened his mouth to be 20 million, 20 million is not a small amount, and Ji Chang can't afford to pay it back at that time, and there is no asset collateral, how can President Qian pay to the head office.

So, President Qian pondered for a while, then looked at Ji Chang, and said to Ji Chang: "Mr. Ji, our feelings belong to feelings, as for loans, if you borrow less, tens of millions, I can be the master." But your amount is huge, and you must have a corresponding collateral, so ......"

President Qian spoke out with some embarrassment.

"I have a company with a registered capital of 5 million, in addition, there is a fruit shop, and the village has contracted a lake to use as a fish pond and a vegetable shed, is this okay?"

President Qian also made it clearer that Ji Chang would not do what is difficult for a strong man.

"Yes, but according to what you say, at most you can borrow less than half of your assets!" President Qian meant very clearly, he wanted to borrow 20 million, but there was still a lot of difference.

And these things must be reviewed by the bank before they can decide whether Ji Chang is qualified or not.

"And half a stake in a four-star hotel?"

Ji Chang was still reluctant to give up, and wanted to try, so he added chips.

"Is it yours?" Governor Qian looked at Ji Chang and asked eagerly.

"Accord Business Hotel, half of the shares! President Qian gave an estimate!" Ji Changming said.

"Half of the shares of the Accord Business Hotel?" President Qian repeated, looking at Ji Chang in surprise, he didn't expect this mediocrely dressed guy to be so rich.

Ji Chang nodded, his expression was serious, he was not lying.

"Can you show me the market value of your shares?" Governor Qian naturally wanted to ask about this.

Ji Chang took out his mobile phone and gave President Qian a glance at the internal information of the Accord Business Hotel, which can basically reach about 20 million.

In other words, Ji Chang can lend a loan of 10 million, but the distance from 20 million is still a little short.

"With my guarantee, it will be 13 million at most, what do you think?" said President Qian sincerely.

"13 million is not enough! Let me think about it again! President Qian and Manager Zhang, it's troublesome!1" The business is not benevolent, Ji Chang shook hands with the two.

In the warm greeting of the two, Ji Chang opened the door and walked out of the bank business hall.

At this time, a chubby boy rushed into the bank, and when he saw President Qian, he directly shouted: "Dad, I want to take out a loan to start a business!"

The voice is loud.

Ji Chang felt that this voice was a little familiar, and couldn't help but turn his cheek and glance at it.

Coincidentally, the young man also looked at Ji Chang, and immediately his chubby cheeks showed an excited smile: "Uncle??? Why are you here?"

(End of chapter)