Chapter 19 Loans
"Be smart in the cafeteria in the future, don't be deceived!"
Out of the door of the principal's house, Chen Yang told his cousin and cousin!
"Ah Yang, you can rest assured." The cousin slammed his chest.
"Brother, don't worry, we will never be deceived!"
Although his cousin is not bright-minded, he also knows that this is a money-making business, and whoever dares to deceive him, he will be in a hurry.
"Later, you and I will go home and get 30,000 yuan, and tomorrow I will contact a few masters to build a canteen, you don't need to build it well, build the shelves first, and then renovate it when you make money later."
Saying that, Chen Yang sighed in his heart.
The money is really useless, the 80,000 yuan earned from Shencheng, the family spent 20,000 or 30,000 yuan to build a house, and 10,000 yuan has to be left for the tuition fees and expenses of the third sister for the family, and 30,000 yuan will be taken out soon, plus the various expenses in the past few days, there are less than 10,000 yuan left, and there are still more places to spend money.
"It's time to go to the bank for a loan!"
If you don't take out a loan to do business, that's a fool, isn't there a good saying, when you owe the bank tens of thousands or hundreds of thousands, it is you who are anxious, but when you owe the bank tens of millions or even hundreds of millions, it is the bank that is anxious.
Back in Chenjia Village, my father and the village chief had already returned, talking to the villagers.
Seeing Chen Yang come back, Chen Guohua handed the registered documents to his son, Chen Yang looked at it and asked casually, "Is it going well?" ”
"Smooth, smooth, couldn't be smoother." The father grinned, "Son, you don't know, those who do things, know that we are from Chenjia Village, they didn't ask anything, and immediately handled the matter." ”
"Yes, Lao Chen and I are ready for a protracted battle, the gifts are ready, and we didn't send them out."
The village chief also smiled.
Chen Yang took the hand of the document and slammed it!
Wrong!
"Dad, village chief, did those errands say anything?"
"No, I didn't say anything, I was very enthusiastic." The village chief said with a smile.
Seeing that his son's expression was wrong, Chen Guohua looked at him: "Son, is there something wrong?" ”
"Nothing!"
Chen Yang shook his head and didn't say his worries, since the other party helped, there will definitely be a time when he will know who it is in the future.
"By the way, Dad, the village chief, there will be more places to use money in the future, and I plan to go to the bank for a loan!"
As soon as they heard the word "loan", the smiles on the faces of Chen Guohua and the village chief suddenly disappeared.
Chen Guohua smoked a dry cigarette: "Son, do you have to take out a loan?" What if it doesn't work? ”
The village chief also said: "Ah Yang, do you want to think about the loan again, although Chenjia Village is poor, but each family can get together, and 350,000 yuan can still be taken out." ”
Chen Yang shook his head, the garment company has been registered and established, and the next step is to build a factory, buy machinery, buy raw materials, each of which requires a large amount of money, thirty or fifty thousand is enough.
He also knew the concerns of his father and the village chief, but it was imperative to take out a loan!
"Dad, village chief, you don't have to worry, all the plans are in my head, I have a number of every step, I promise, within a year, the loan will definitely be repaid."
"Okay, I agreed." The village chief gritted his teeth, "Damn, isn't it just a loan, I can't bear the child to be a wolf!" ”
Chen Guohua also nodded: "You are my son, how can you be Lao Tzu who does not support his son, take out a loan, and we will carry it together." ”
The matter was decided, and Chen Yang immediately took the village chief and his father to the county seat of CCB.
Why did he bring the village chief and his father, of course, because Chen Yang was only eighteen years old, and he was afraid that the bank staff would not lend him a loan.
When he arrived at the bank, Chen Yang went straight to the credit window and was dumbfounded when he saw the people sitting inside.
How could it be her?
Don Xiaomi's mother!
It was impossible to go, Chen Yang could only shout hard: "Auntie, hello!" ”
Liu Yi nodded: "You're here for a loan?" How much do you want to borrow? ”
Ever since she learned about Chen Yang's business talent yesterday, she has been guessing when Chen Yang will come to take out a loan, a business wizard, it is impossible to let go of the bank loan, but she didn't expect this day to come so early.
"Five hundred thousand!"
Liu Yi was startled, looked Chen Yang up and down through the window, and couldn't help but marvel in his heart!
What a lot of courage!
Although he was amazed, but he was businesslike, Liu Yi said lightly: "500,000 is not a small amount, what do you use as collateral?" ”
Chen Yang pulled the village chief, "This is the village chief of Chenjia Village, and the collateral is the homestead of all the villagers in Chenjia Village!" ”
"Yes, what Yang said is what I have to say."
The village chief nodded.
Liu Yi felt that it was necessary to reassess Chen Yang's ability, and to persuade the head of a village to agree to take out all the villagers' homesteads as collateral, which ordinary people could not do.
"My husband is right, with this courage and ability, Mi Bao is not as good as him."
Liu Yi thought to herself, and handled the documents unhurriedly in her hands.
"Alright, let's sign it!"
Chen Yang and the village chief signed their names with the borrower and the guarantor, respectively.
Liu Yi put away the documents, "The loan will come down tomorrow, and don't be overdue, otherwise the bank has the right to forcibly withdraw the collateral!" ”
"Thank you, Auntie!"
Chen Yang thanked him from the bottom of his heart, if it weren't for Liu Yi, although the loan could have been done, it would never have been so fast.
Seeing that there were still people waiting in line at the back, Chen Yang didn't say anything more, and left with the village chief and his father.
When she came home from work in the evening, Liu Yi told her husband about it.
Tang Xuewen thought thoughtfully: "It seems that he will make a big move soon, if my guess is correct, what he wants to build should be a garment factory." ”
Liu Yi was stunned: "How do you know?" ”
Tang Xuewen smiled: "Today we received a report from the people below, the village chief of Chenjia Village and his father registered a clothing company together. ”
"I see!"
Liu Yi nodded, and then frowned again: "Judging from the clothes that Mi Bao got back yesterday, if the clothes produced in the future can maintain the standard, it is true that they will not be able to sell, but there is a very serious problem in the middle." ”
Tang Xuewen: "You mean the sales channel? ”
Liu Yi nodded: "The county is too small, the volume is placed here, and he can't eat the clothes produced by a garment factory, so he must expand external sales channels." ”
Tang Xuewen: "This is not something we should worry about, it depends on what surprises this business genius from the countryside brings us, I am looking forward to it!" ”
"You seem to be bullish on him?"
"Aren't you too? Otherwise, how can you say that he must expand external sales channels. ”
Liu Yi rolled his eyes: "I'm for Mi Bao!" ”
Through the mother-daughter conversation last night, she can be sure that her daughter really likes Chen Yang, so whether it is out of amazement at Chen Yang's business talent or out of concern for her daughter, she is indeed interested in Chen Yang.