The sky was overcast and dark clouds were low.

When Liang Xin came out of the Runxin Building, he didn't feel relieved at all.

The feeling of exhaustion is always in my heart, and I can't get rid of it at all.

From the time he got off the plane late Thursday night to the present, he has not stopped all the time except for a few sleeps in between. first dealt with the pressure from Chen Guangjian and Dongfeng Investment, and then immediately encountered an emergency from the classmate network. Finally, they were able to parry without danger, but the dilemma in front of the website was immediately put on the table.

The pressure on the surface is like a shadow, and the slow execution progress of his big game of chess in the dark, he is so anxious that he can't even sleep. There is no one in hand, and at the same time, there is no money, the risk is huge, and you have to force yourself to take it step by step and stabilize your position.

Even if the situation is already so difficult, he still has to take care of and appease the emotions of other people, and ensure that there are no problems in the distribution of benefits from top to bottom. In addition to intrigues, you also have to calculate all kinds of messy accounts that must be calculated on the surface.

To be honest, not only is it tired, but even the brain and waist are already overloaded.

All aspects of physical strength and energy have been almost pushed to the limit......

"Whew......" Liang Xin spit out for a long time.

The river breeze blew, bringing him a trace of insignificant clarity, but it was invalid in an instant.

He shook his head, dragged his exhausted body, and continued to walk towards the bank not far away.

On Saturdays, banks do not handle corporate business.

But Liang Xin still wanted to ask, even if he knew the specific situation of the loan, he would come back on Monday, and he could save some unnecessary communication and communication time. By the way, he still had to transfer 20,000 yuan from Sister Ping's card to himself. Then through his bank card, he transferred it to Jinshui Holdings, and then transferred it from Jinshui Holdings to Dawn Education, and finally from Dawn Education to Dongliang Real Estate......

He needs to carry out such a process once a day, and it takes 35 days to make the other half of the family's income from the sale of the house all taken out of Sister Ping's card and turned into all the start-up funds for the first stage of his plan.

And this process is the same as the funds of the classmates network, and the flow cannot be known to other owners and supervisors of the funds, so he can't call Sister Ping over and increase the daily transfer limit.

Otherwise, with Sister Ping's determination, she would be able to swing back and forth more than a dozen times in an hour and a half, and finally cry and grab the ground and ask him to return the money. In case of a big fuss, I'm afraid that my entire plan may be exposed - after all, this kind of thing of an old lady asking for money from her son, the local TV station in W City, which is idle all day long, has always liked it very much.

With such a heavy heart, Liang Xin walked into the compartment of the bank's ATM cabinet.

It took a full twenty minutes to finally complete this tedious transfer procedure. I won't say how much transfer fees were spent in the middle, he just numbly ticked in his heart, today is the eighth time. Twenty-seven left.

Mr. Liang! You have to resist it! Don't give up!

Gritting his teeth to cheer himself up, Liang Xin put away a few cards close to him. I walked out of the cabinet compartment and walked straight into the bank business hall next door. Then he was about to look for the lobby manager of the bank, when a man in uniform suddenly walked over to the side, took the initiative to smile and greeted Liang Xin: "Mr. Liang, what a coincidence, we met again." What kind of business do you do? ”

Liang Xin was stunned, and couldn't help but smile, "Manager Ling? I heard Xiaofang say that you changed jobs, and I thought you were ......"

"You thought I was still in the telecommunications system, right?" Ling Yu laughed.

Liang Xin couldn't help but ask strangely: "Can you transfer across borders like this?" ”

"It's all state-owned enterprises." Ling Yu said in a slightly mysterious tone, "There are always more ways than difficulties, aren't they?" ”

"Okay, that makes sense......" Liang Xin was instantly relieved.

W City is so big, between various administrations, undertakings, and state-owned enterprises, there is originally a relationship between me and me, and I have you, even if the admission standards for civil servants and public institutions have been very strict in recent years, but Ling Yu's various transfers still have room for operation. After all, he is a regular employee of Telecom, and the problem of identity is not a big problem in the first place.

Thinking of this, Liang Xin couldn't help but hurriedly ask: "Then ...... you now?"

"Trainee Lobby Manager." Ling Yu said, "Learn by doing, learn by doing, what business do you want to do?" ”

When Liang Xin heard this, he was overjoyed.

My luck today is invincible!

"I want a loan." Liang Xin hurriedly said, "Loan 1.2 million." ”

Ling Yu said, "What to do?" ”

"The company is out of money." Liang Xin said truthfully, "The growth rate of the classmate network business is too fast, and the hardware can't keep up. ”

"Today is Saturday......" Ling Yu subconsciously said a nonsense first.

Liang Xin said: "Let's talk about it first, if we can do it, I'll come over on Monday." ”

"Yes."

Ling Yu nodded, and led Liang Xin into the reception room in the corner of the lobby.

The door of the two people was not closed, they were nested in a small room of five or six square meters at most, facing each other from a table, Liang Xin muttered to Ling Yu in a very small voice about the current difficult situation of the classmate network.

Twenty minutes later, Ling Yu said very simply: "You should have no problem with this money." The performance of the classmates network is now good, the capital flow is also positive, and there is also policy support for college students to start their own businesses...... In this way, I will tell the leaders of our bank today, you bring the relevant enterprise materials on Monday, and I will do it directly for you on Monday. ”

Liang Xin was surprised to hear this and asked, "Is it so easy?" ”

Ling Yu whispered: "I just came to work, so I can stand firm by doing some performance as soon as possible." ”

Liang Xin laughed and asked again: "Then I don't have to provide any collateral?" ”

"I'll give you a commercial credit loan, the interest rate is a little higher, but the loan is fast and the procedures are easy to handle." Ling Yu looked really anxious, and whispered, "Eighteen points a year, if you can accept it, sign the contract on Monday, and the money will arrive immediately." ”

"That's ......," Liang Xin frowned slightly.

Ling Yu directly reached out and took the calculator on the table, crackled and pressed it, "One million and two hundred and twenty thousand, annualized eighteen, and two hundred and sixty thousand a year, your company only needs to repay eighteen thousand interest every month." Shouldn't it be much, right? ”

"......Not much" Liang Xin is very simple, according to the current market of stealing game cards, even if the profit of each month in the future drops to only one-tenth of the current one, the company still has this interest.

And now the company's hardware funding gap is not 1.2 million, but 600,000. The 600,000 yuan that Liang Xin borrowed was actually considered for the company's daily operating costs. It is equivalent to getting enough money for the normal burning of the classmate network for half a year at one time, of course, the premise is that in the next half year, the number of registered users must not increase too outrageously.

If it only grows to 2 million users and the number of online users does not exceed 200,000 at the same time, the company can barely cope with it after the upgrade of the current plan given by Telecom. But if you exceed this magnitude too much, you will inevitably have to increase the budget again.

And if that day comes too quickly, say three or four months from now.

Liang Xin couldn't think about what he would have to do to plug this new gap when the time came......

Do you pledge your classmates' network shares?

But if you do this, it is equivalent to violating the VAM agreement with Chen Guangjian and Dongfeng Investment, right? What kind of illegal and criminal act is taking the chips of the VAM agreement to use as collateral for the bank?

Liang Xin suddenly remembered Zhou Xian's father-in-law again, Mr. Wu Keyong, a professor of law at W University.

It seems that those who step on horses cannot escape the fate of embarking on the road of crime.

But I'm just trying to take advantage of the poor information of the times!

Countless thoughts flashed through Liang Xin's mind, and then he suddenly found that Ling Yu was looking at him with a blazing gaze, and hurriedly said, "Okay, just follow this, I'll come over on Monday to go through the formalities." ”

"Good!" Ling Yu suddenly smiled.

Just as he was about to stretch out his hand to say that the cooperation was pleasant, Liang Xin suddenly said: "But I still want to take out another loan." ”

"What?" Ling Yu was stunned.

Liang Xin lowered his voice and whispered: "I feel that the houses in the capital are going to rise, and I have set up a real estate company in the past few days, and I have already gone over to buy a few sets." But my new company doesn't have enough money, and I want to make a big ......."

Ling Yu's eyes widened slightly, "You want to go to the capital to speculate on houses?" ”

Liang Xin nodded, "I'll take the house over there and give you a mortgage here, the market price is one million, and I will use the classmate network company as a guarantee, and I want to borrow two million, do you think it's okay?" ”

Ling Yu thought about it seriously, nodded lightly, and said, "Yes, yes, you have a mortgage and a guarantee......

Liang Xin didn't wait for him to finish, and continued to say: "When I take the two million and then buy the house in full, the newly bought house can continue to be used as a mortgage, and I will continue to use Sanjin Technology as a guarantee......"

Ling Yu's eyes widened at this time, and he asked in a low voice, "What scale do you want to be?" ”

"Of course, the bigger, the better." Liang Xin said, "It's best to stock up on a few hundred houses at a time." ”

"Then you ...... interest" Ling Yu licked his lips, "Every month is amazing!" Can you afford it? ”

"I'll hold out for half a year at most." Liang Xin will never lie to the people in the bank when it comes to money, "I have calculated, the interest in half a year will be at most one million, and I will be able to repay it within a year by relying on my own dividends." Don't be afraid of the principal, the house in the capital is not worried, even if the price does not increase within half a year, I can sell it at the original price, and I can fill your hole. The black pot that won't let you carry bad debts. ”

"I'm not afraid ......of this," Ling Yu said, "Now the whole city is speculating in real estate, and there are many people like you who are speculating, to be honest." As for the office building of your company, Runxin Building, and the owner who bought that building, they still owe us money from the bank......

Well? Chen Guangjian?! You're spicy next door, and you're so bold that you have long hair...... This kind of plate that makes people jump off the building at every turn, can a person like you with a fourth-grade education level be able to wipe it?!

Liang Xin frantically complained about his father in his heart, and asked Ling Yu again: "Then what's your problem?" ”

"Two questions."

Ling Yu's expression was serious, "First, I can still give you ideas for the amount of one or two million, but if the amount is a little bigger, I won't be able to help you." The scale of the classmate network is not that large, and it is impossible to guarantee such a large amount of funds. But the houses you mortgage can be.

Then the second question, if the amount is too large, even if our leaders are willing to lend you, it is estimated that the bank will not be able to withdraw so much money at once. Now it's almost the end of the year, it's difficult to collect and lend money, and we don't have enough money, the real estate market in W City is so hot now, and you're not the only one borrowing money......"

Speculating in real estate and speculating in the bank are short of money?

Liang Xin felt more and more understandable about the 09 avalanche incident in W City.

It's only the end of '06.

Next year, it will be the craziest time for property speculation in W City.

Then, 08 should enter the stage of dead end.

Finally, 09 years...... Bang!

"There should still be a way." Liang Xin looked at Ling Yu and said something very unashamed, "I only need 50 million funds at most, 50 million is enough, this money is not much for speculation." ”

Ling Yu has also seen the world, and when he entered the bank, the amount of 50 million really can't be considered a lot of money.

Not even in the middle of the word.

However, he still said: "But for our small outlet, it still counts." ”

Liang Xin frowned slightly and asked, "Then how much can you help me solve at most?" ”

"It's hard to say." Ling Yu shook his head.

Liang Xin said directly: "I will give you two percent of the real estate company's half-year options, and if this transaction is successful after half a year, even if the net profit margin is only ten percent, it will be five million." Two percent, 100,000 pieces. How about you help me find nine other people from other banks, each of whom will settle five million funds, all of which are options of two points for half a year, and I will give you an extra 100,000 yuan, how about it? ”

Ling Yu was silent.

Liang Xin said again: "Do you want to quote a price yourself?" ”

Ling Yu thought for a while, gritted his teeth, and said, "I don't want options, I want shares." Two percent of the shares. ”

Liang Xin frowned when he heard this, and was silent for a few seconds, and then quickly bargained: "The average interest rate can't exceed twelve points, you find all the people, sign the contract, the money arrives, and I will give you shares." ”

Ling Yu said: "In case something happens, I'm not responsible, before the accident, I will withdraw my shares." ”

"Okay." Liang Xin nodded, "If you think it's dangerous, I'll buy back your shares and buy it back for one million." ”

Ling Yu was finally satisfied, and said slowly, "To find so many people, I have to spend some time. ”

"How long?"

"It could be a few months at the earliest."

"A few months? Two months? Trimester? ”

"Three months."

"Preferably within two months." Liang Xin said, "Before the Chinese New Year, there are many dreams at night, and it is easy to be variable." ”

"Hmm......" Ling Yu was completely pulled in by Liang Xin, his brows were furrowed, his expression was solemn, and he pressed the calculator again, "Fifty million, twelve points, at least 500,000 yuan per month, do you have this money in your account?" ”

"Nope." Liang Xin said very realistically, "The house can be rented out, the rent can be more than half, and the rest of the money can be found in a bank to cross the bridge." ”

"Okay." Ling Yu nodded, "Half a year, based on the total bridge toll of three million, I will help you get this money, but the interest should be relatively high, so it depends on you." ”

Liang Xin also took the calculator and pressed it, "According to the annualized rate of 20 points, it will be repaid for two years, with interest, and the total capital cost will be 4.2 million, almost 2 million per year, less than 200,000 a month...... Yes! No problem! Manager Ling, happy cooperation. ”

"It's a pleasure to work with." Ling Yu stretched out his hand and shook Liang Xin heavily.

With a cost of 4.2 million and a capital of 50 million, Liang Xin's goal is to double the house price within half a year.

What Ling Yu calculates is whether such a customer can give him a few more.

If there are ten guts as big as Liang Xin, he doesn't have to do anything in a year, and he can earn two million benefits.

Isn't this Nima better than doing business in telecommunications?

And the whole city of W City, how many people have made a lot of money by relying on this set of games, how many have there been over the years?

Ling Yu didn't know.

But what he knows is that he has finally caught up with this train now......

Thanks to this young man who is not afraid of death.

(End of chapter)