Chapter 174: Loans

"Maybe I've had some motion sickness in the car in the past two days."

In the past, Lin Xi never got motion sickness when she was in the car, but this time I don't know why, maybe it was because of the hot weather, and the smell in the carriage made her vomit several times.

"It's not bad for this day or two days, otherwise you go back and rest for two days first, and then we'll send Xiaofei back."

After being separated for so long, Shen Xiaofei naturally misses her too, but he still has one important thing to do.

"Grandpa and Grandpa Qin said that they would take me to the amusement park, and when I have been there, I will go home to accompany you, okay?"

Looking at everyone's pleading eyes, Lin Xi had no choice but to nod in agreement.

"I'm just afraid that the child will make too much trouble."

The two old men hurriedly shook their heads and denied: "There is no one more obedient and sensible than our Xiaofei." ”

In this way, Lin Xi could only return in vain and go home first.

After a day of rest, feeling that the tiredness of his whole body was finally a little better, Lin Xi simply cleaned up, and then went out.

At the exchange meeting, she learned from the mouth of Zhang Bin, a steel mill, that there is a hardware and building materials wholesale place composed of a number of building materials factories in Beijing.

The government intends to designate this area as a free market, which will attract more vendors.

Lin Xi took a car all the way to the place and found that there were still a lot of people here.

Some individuals come to buy goods, and the demand is not high, so they pedal a tricycle to buy a few bags of cement or a few bundles of steel bars.

Some are small traders who come to buy goods wholesale, and if they like what they want to negotiate a good price, there will be special trucks for delivery to their doors.

Because it is a spot, the market is full of various building materials.

Lin Xi walked around from beginning to end, although the price is not expensive, if you want to undertake a large number of purchases of the project, it will also take a lot of money.

Because of the convenience of the design institute, it is not difficult to undertake the project.

The difficult issue now is funding.

She gave all the money to Feng Yuzhen to start a business in the south, and the hundreds of yuan in her hand, let alone taking on projects, were not enough to pay wages to those 20 employees.

So the key question now is how to get a quick amount of money.

Just when she was thinking about how to get money, Yang Chuan suddenly came to the house.

"Master Yao introduced a job to our company, the life is not big, just a secondary school to build a canteen, I specially inquired, covering an area of about four or five hundred square meters, a total of two floors, according to our current strength, you can pick up."

Lin Xi also thinks that this work is good, although the amount of work is not large, and the technical content is not too high, it can just practice for the workers.

"What did the other party say about the price?"

Yang Chuan was a little excited: "60,000 yuan, the other party means to invest 60,000 yuan at a time, and at most it must be handed over before the National Day on October 1." ”

Lin Xi silently calculated in his heart.

If it covers an area of 500 square meters, two floors is a building area of 1,000.

Now there is no such thing as the area inside the sleeve and the area outside the sleeve.

Because it is a canteen, a lot of interior wall partitions can be saved in the middle, so that the cost can be almost controlled at about 30~35 yuan / square meter, that is, after deducting the cost of materials and various labor, this project can earn 20,000 to 30,000 yuan.

It's not particularly much, but it's a great exercise opportunity for the company.

"How much does the other party pay upfront?"

Yang Chuan: "The first time we took this job, the other party said that we would pay when the work was delivered." ”

"That's not going to work."

Lin Xi's attitude is more resolute: "We belong to the contractor, according to the requirements of other construction companies, at least 30% of the payment in the early stage, if the other party does not want to pay so much at one time, you can pay 15% first, then 15% in the second month, and finally the final payment is paid in one lump sum." This is the biggest concession we have made, and if the other side does not agree, then we can not take the job. ”

Even if the labor cost is not paid, the material cost must be guaranteed. Besides, the company has just started, and she doesn't have the energy to spend on the last thing.

Yang Chuan nodded, thinking of another thing, he began to worry again: "Even if we have this 15%, we have to invest a lot of money into it, and the company now has thousands of ......yuan on its books."

What he is most worried about is the follow-up funding, what if he can't keep up?

"Why don't I talk to the big guys first, the salary for these two months will be suspended first, and when the school borrows money, we will give them a one-time debt."

Lin Xi immediately objected: "No, we would rather not take this job, and the workers' wages must be paid on time and in full." They come out to work to earn hard-earned money, and the company's risks cannot be borne by others. ”

"As for the money, I'll figure it out."

If it is easier to do in the future, she has real estate and a license, and she can go directly to the bank to apply for a mortgage, and now the bank lends to state-owned units, and things are a little tricky.

If she wasn't forced to do so, she wasn't going to borrow the space.

"Two days ago, a classmate of mine in elementary school came to me, saying that he could go to the bank to get money to spend when he got the news, and he didn't need interest and repaid the loan in a limited time. That kid didn't have a serious word in his mouth, he must be a liar, and I didn't pay attention to him after a few words. ”

Thinking of what his classmates said at that time, Yang Chuan suddenly regretted a little, whether he deceived or not, it would be good to get some money to solve his urgent need first.

Lin Xi's mind moved slightly when he heard his words.

"Whether it's true or not, let's go to the bank and find out."

So the two went to a postal savings bank not far away.

The teller saw the two people come in and routinely asked them what business they wanted to handle.

When he learned that the two were here to apply for a loan, he was very enthusiastic, first invited the two to another separate office, and then went to call the manager of the bank.

"Hello, hello."

As soon as the bank manager in the work uniform came in, he took the initiative to reach over and shake hands with Yang Chuan.

I have never encountered this kind of courtesy, especially the president of a branch, Yang Chuan was stunned for a moment, and quickly shook it back.

After a few people were seated, the president asked, "Which unit are we?" ”

"Shanchuan Construction Company."

"Mountains and rivers?" The president was stunned for a moment: "Which is the superior unit?" ”

Lin Xi knew from the series of reactions he had just made that the other party was likely to have misunderstood, so he explained: "We are a private enterprise. ”

Private?

Hearing these two words, the enthusiastic expression on the president's face immediately faded a little.

He said: "With the new policy introduced this year, private enterprises can indeed take out loans, but the review conditions must meet a few points. ”

As he spoke, he looked at the employees on the side and said, "Xiao Wang, tell them about the process." ”

"Private enterprise loans must meet the following four requirements: First, Chinese citizens between the ages of 18 and 45 must be imposed, and foreigners are not allowed. The second must have a stable residential address and household registration in the city, the third must have a stable job and income, and must have a guarantor, and the fourth must have a construction project or a feasible use. ”

At the end, the other party added: "If you are not able to repay, you need to pay the debt of the father and the son." ”