Lin Zhichao came to the general manager's office of the Bank of East Asia to prepare for a new round of loans.

At present, all of Lin Zhichao's debts are only 1.5 million Hong Kong dollars from Cheung Kong Industrial's loan. The loan was due for repayment in September, and the interest was not too high, at 13%.

In this era, the interest on loans and deposits are relatively high, of which the interest on loans is generally 15~18%, and the interest on private loans is 40% of usury. Therefore, many Chinese-funded banks simply bring loans to their families while absorbing a large amount of deposits.

In this regard, the Hong Kong Banking Ordinance does not prohibit it. Even after another 30 years, this phenomenon will still exist, and it will not end until the local banks of Huacheng have collapsed or replaced almost one after another.

"Elder Jian, how is the loan I submitted?" After Lin Zhichao sat down, he asked.

This time, he needed a total loan of 3 million Hong Kong dollars, all of which were secured by Cheung Kong Industrial.

Jian Dongpu has already sent someone to Cheung Kong to inspect and support this loan, but he still asked: "Cheung Kong currently has about 650,000 Hong Kong dollars in its accounts, and its monthly profit is about 450,000 Hong Kong dollars (including subsidiaries), I am a little curious, what is the use of your loan?" If it were shipping, I probably wouldn't have agreed to this loan. ”

It's one thing for Cheung Kong to be able to afford it, but he doesn't want Lin Zhichao to make a desperate bet and bet all on the asset-heavy business - shipping. It's only early April, and Cheung Kong can make three or four million Hong Kong dollars in the remaining nine months of the year, but that's for the future.

Lin Zhichao said with a smile: "It's not shipping!" As far as the shipping business is concerned, I am still doing so-so now, how can I bet too much. I plan to use all the 3 million loans to purchase raw materials, including aluminum alloys, copper, plastics, etc., and store them in the warehouse. ”

When Jian Dongpu heard this, he was immediately confused, and asked curiously: "What are you importing so many raw materials for?" It is necessary to think of large discounts, so as to reduce costs. But in this way, the interest will also offset that part of the cost. ”

Lin Zhichao said: "In addition to the large amount of discounts, I am also worried about import restrictions, so I hope that the Bank of East Asia can give low-interest loans. ”

The biggest impact of the interest rate is the credibility of customers, and the credibility of Cheung Kong is definitely high enough; The second is the size of the amount, 3 million Hong Kong dollars already accounts for a considerable proportion of BEA's deposits.

Jian Dongpu suddenly thought that he had to seriously consider this loan.

The asset value of Cheung Kong is very high, and the factory land in the two places alone is worth 3 million Hong Kong dollars; Not to mention the machine, which is also very valuable.

Of course, the most valuable thing is the value of the entire enterprise.

Suddenly, Jian Dongpu remembered Lin Zhichao's speculation in the dollar, and suddenly felt that this young man was not simple, and he grasped the international situation very accurately, so the rise in raw materials might be a real thing.

What's more, if it weren't for Lin Zhichao's reminder, BEA's loss in the mainland would have been more than 3 million Hong Kong dollars.

So, this favor can be sold.

"Yes, 3 million loan for one year, 10% interest!"

In the end, Jian Dongpu still readily agreed, and did not let Lin Zhichao go home and wait for the news.

Lin Zhichao breathed a sigh of relief, it was unimaginable that he could borrow 3 million from banks in this era, and he was also a Chinese-funded bank with bank deposits of about 100 million.

Therefore, the success of this loan shows that his credit is very high.

As for the purpose of this loan, it is naturally all used for the purchase of raw materials, and the three raw materials of aluminum alloy, copper and plastic are matched according to 60%, 20% and 20%.

Among them, the imported plastic of 600,000 Hong Kong dollars must not be used up, so part of it is used for speculation, which can easily double the profit.

And this loan of 3 million plus 300,000 yuan of interest does not need to be included in the finance of Cheung Kong Industrial this year, because it itself is the purchase of raw materials, so the monthly profit will increase greatly.

Not included in the fiscal revenue, Changjiang Industrial can still provide Lin Zhichao with 3 million funds this year for the development of shipping; Or, part of it will be used for Cheung Kong's investment - special zipper machines, business marketing, R&D expenses, etc.

Bidding farewell to Jian Dongpu, I waited for this loan to be credited to Changjiang Industrial's account, and I believe that it will be credited in two or three days.

Then, in mid-April, you can arrange the procurement of raw materials to avoid long nights and dreams.

Tang Zhongyuan came to Lin Zhichao's office in Tsuen Wan and told him a good news: "Zhichao, Scott paid the balance and placed another order of 500 dozen shirts and 500 dozen trousers, and has paid 30% of the deposit. ”

Lin Zhichao made tea for Tang Zhongyuan, and said unhurriedly: "It seems that our Yangtze River Garment Factory has made a name for itself, if nothing else, there will be more South African wholesalers coming to Hong Kong to buy goods in the future, we have to take the initiative." ”

In the last order of 8,400 shirts (700 dozen), Cheung Kong made a profit of more than 20,000 yuan, which is much more profitable than the orders in Southeast Asia.

Once the South African garment market is opened, the profits of the Yangtze River Garment Factory will roll in, and it will become an existence that is on par with Oriental Textile.

That's why Tang Zhongyuan cares so much about this career, and while taking into account Oriental Textiles, he also has a tight grasp of the management of the Yangtze River Garment Factory.

"Hmmm! This week, the deputy manager is very capable, and he has made a great contribution this time! ”

Tang Zhongyuan couldn't help but admire Lin Zhichao's teaching talent, his subordinates are all talented, and they can start another career by pulling a few management.

As everyone knows, the management in Lin Zhichao's hands is carefully selected and recruited, and Lin Zhichao often encourages everyone to learn more, read more books, and share their own growth stories, so as to motivate everyone to improve.

"Meritorious people will naturally be rewarded at the end of the year, and now we are not in a hurry to praise him, but to hone these management more." Lin Zhichao commented.

If you can't even wait for the end of the year, you are in a hurry to ask for credit, and you don't want this kind of subordinate.

Tang Zhongyuan recognized Lin Zhichao's imperial skills very much, and the workers under his son-in-law were very motivated and enjoyed high welfare benefits; Of course, this is difficult for others to learn, at least Dongfang Textile can't learn too much, because he needs to consider the cost factor.

Garments and textiles are large employers, but the added value is low, so the wages of workers are generally not high, and Oriental Textile is no exception; On the contrary, in order to learn from his son-in-law and mobilize the enthusiasm of workers, Tang Zhongyuan also implemented a reward of double grain at the end of the year, with a small amount of benefits on holidays, and the salary was similar to that of other factories.

"By the way, when will your crocodile shirt brand open?" Tang Zhongyuan asked curiously.

"It's expected to be June or July! The crocodile shirt brand is a mid-to-high-end brand clothing, and it has to capture the clothing taste of Hong Kong's middle-class people in one fell swoop, so there is a lot of work in it. ”

The selection of fabrics, the layout and decoration of the store, marketing planning, design styles, etc., all need to be carried out step by step. Therefore, Lin Zhichao is also slow to work, after all, this is the birth of a brand, not the OEM garment industry.

"Well, that makes sense! Generally speaking, the rich like to go to the stores opened by the old tailors in Shanghai to customize, and the middle class has a large number and more opportunities. Tang Zhongyuan commented.

He is a native of Shanghai, and he likes to go to North Point for haircuts and clothes shopping, where he needs it.

Lin Zhichao smiled and said nothing, the crocodile shirt he wanted to make would sooner or later be the same as Hong Kong's 'Bauhinia', which could represent Hong Kong and become a kind of imprint.

Weng and his son-in-law chatted for a while, Tang Zhongyuan got up and said goodbye, and the couple turned a blind eye to the recent closeness between Lin Zhichao and their youngest daughter, waiting for Lin Zhichao to bring it up.

This matter is not unacceptable, as long as Lin Zhichao is good enough!

Hong Kong's garment factories are shocked!

Because the Yangtze River Garment Factory received orders from Africa, not only did it not lose money, but it gained the trust of African businessmen and continued to obtain orders.

Therefore, the Yangtze River garment factory worked all night here, envying some garment factories for a while, and also causing speculation among some garment factories.

"This must be a trap, the order is getting bigger and bigger, and then suddenly not paying, taking advantage of more!"

"It makes sense, I still insist on my own opinion, and it's better not to take orders from Africa."

Most garment factory owners have not changed much about African orders.

However, Lin Baixin of Lixin Garment Factory was a little annoyed that she was unlucky and was preempted by the Yangtze River Garment Factory.

"Brother Xin, don't be upset, there will definitely be this kind of opportunity in the future. The strength of our Lixin garment factory is not weak, and we will definitely be able to increase larger sales channels. Yu Baozhu comforted for the first time.

She was also a little annoyed in her heart, but she knew that since this was the case, she should cheer up more.

Lin Baixin nodded and said, "Baozhu, you will assist me in taking care of Lixin Garment Factory in the future!" ”

The marriage between the two has been decided, and he feels that Yu Baozhu is very capable and can help him.

"Well, thank you, Brother Xin!" Yu Baozhu was immediately very happy.

You must know that she is now a concubine, and her status is definitely not high; But if you can help Brother Xin in his career, his future status will rise.

Although she is a concubine, her status will not be lost to the main room.

Lin Zhichao took Tang Caiyun to Conduit Road in Mid-Levels to look at a house, and since this year, Lin Zhichao has asked Hu Zhaoxu to find a house in Mid-Levels for him without tenants in Mid-Levels.

If there are tenants, it will be a trouble, after all, there is no tenants' court in Hong Kong at this time, and there will be a lot of trouble.

"Lin Sheng, although this bungalow is a little old, it covers a large area, with a courtyard and a garage." The intermediary patiently introduced.

Lin Zhichao looked at it, the building is indeed old, it is estimated to be a product of the twenties, but this western-style building is surrounded by walls and iron fences, and there are trees to block it, so the privacy is better.

Some of the more famous residences on Conduit Road include a palace-style mansion built by Swire & Co. comprador Mok Kam Sang at 41 Conduit Road, and the private residence of Gisi Paul Chater Development, which has many imitation palace buildings.

"Who are the former owners?" Lin Zhichao asked.

This is very important, there are many celebrities living in the mid-levels, if you are a politician or a warlord, then you must not be harassed by spies and subordinates for a long time.

"It's an executive of a foreign bank, and now he's going to return to China, so he's in a hurry to make a move." The agent then said.

The one in front of him is a real estate tycoon himself, and he can be described as very professional.

Lin Zhichao nodded and said to Tang Caiyun, "What do you think?" ”

Tang Caiyun took a closer look and said: "The site is really big, I like this big yard so much, the balcony is also very good, and you can also plant some bonsai." ”

Lin Zhichao understood, so he said to the agent: "Okay, ask the landlord to sign the contract for me!" ”

"Okay, the better I should contact you, or contact Manager Hu!"

"Contact Manager Hu, I'm buying a house from the company."

The intermediary didn't expect that Lin Zhichao and his wife watched it for an hour and decided to take it, which was really arrogant.

As everyone knows.

In Lin Zhichao's view, this three-story house covers an area of more than 3,000 square feet, and the price is only 188,000 Hong Kong dollars, which is obviously very cheap.

The top fee for the first floor in Mid-Levels is 15,000 yuan, and the monthly rent is 450 Hong Kong dollars. If it weren't for the unclear situation in Hong Kong now, how many properties are for sale there, after all, everyone is competing to be landlords and live a life of collecting rent.

In Hong Kong, almost a slightly better floor has the rule of 'top hand 7000 monthly rent 200', which has become a slogan in everyone's mouth 'top hand 7000 monthly rent 200'.

As for this top fee, I am afraid that it will exist for many years, and the government can't control it, because the rent is subject to regulations, but the top fee is not based on it, and the landlord is taking advantage of the loopholes.

Subsequently, Lin Zhichao and Tang Caiyun got into the car and left the scene.

Tang Caiyun asked curiously: "Just now you said that the company bought a house?" ”

Lin Zhichao said with a smile: "Changjiang Industrial pays money, and simply registers it." ”

Tang Caiyun nodded, and didn't ask any more.

Lin Zhichao said again: "Looking at the appearance of this house, I plan to renovate it, I'm afraid I won't be able to live in it this year, and I'll move in next year." ”

Since you want to live in a good house, this house is too old. This house may have to be lived in until the end of the 50s, during which time even if Lin Zhichao found a feng shui treasure in Deep Water Bay, it would be rebuilt, so it could only be used as a new residence in the 60s.

Tang Caiyun said with a smile: "I'm afraid I want to use this house to marry a newcomer!" ”

Lin Zhichao responded: "When you say this, it's really the right time. ”

Tang Caiyun didn't have any opinions, because this kind of thing had already happened, and she suddenly tempted Lin Zhichao's ear: "Husband, do you want that?" ”

Lin Zhichao nodded instinctively!

Tang Caiyun smiled, and then stopped paying attention to the topic, but Lin Zhichao understood that the opportunity was coming.

Although the atmosphere of this era is conservative, it does not mean that there are no private lifelong and elopementary things, so there is no need to worry about very excessive things.

It's the weekend.

Tang Caiying came to Lin's house in a beautiful dress, which has become a habit for her. Regardless of whether the Lin family and the Tang family get together on weekends or not, she will always come to the Lin family, because she is more free and favored in this home.

When she came to Lin's house, Tang Caiyun was teasing the child on the sofa, and even Lin Xin'er was playing with Lin Ruihuan on the side.

Tang Caiying first pretended to play with Lin Ruihuan, and then her eyes drifted to the bedroom of Lin Zhichao and his wife, quite absent-minded. Although she and her sister have opened their hearts, after all, there are still Lin Xin'er and Wu Wenying here, and it is a little difficult for her to rush in directly.

Tang Caiyun was funny in her heart, her sister is now deeply involved, and the girl's love is just beginning.

Handing Lin Ruihuan to her mother-in-law, Tang Caiyun said with a smile: "You come in with me, I have something to say to you!" ”

Tang Caiying was stunned for a moment, thinking that Lin Zhichao was not in the bedroom, so she didn't feel anything wrong, so she followed her sister into the bedroom.

When I walked in, I found Lin Zhichao reading a book on the desk.

Tang Caiying jumped to Lin Zhichao's side and said, "Brother Zhichao, you also read books on weekends, this is not good, shouldn't you spend more time with your family?" ”

Lin Zhichao then turned sideways and said, "How can it be so exaggerated, just look at it for a while!" ”

Then he stood up, came to Tang Caiying's side, and motioned for Tang Caiyun to come closer and chat.

"We bought a three-story western-style building on the side of Gande Road, renovated and renovated, and you can live in it next year!"

Tang Caiying first looked at her sister, and then said, "What should I do with my parents?" ”

Tang Caiyun said with a smile at this time: "What else can I do, you can see their attitude, you can understand!" ”

Tang Caiying thought about it, it was really like that, and then said unconvinced: "Brother Zhichao, if you don't cherish it, we won't be able to spare you in the future!" ”

In a word, Lin Zhichao almost shook when he said it!

Fortunately, he stabilized his mind and said, "Don't worry! I'm a very responsible person, and I make sure everyone is happy. ”

In my heart, I actually thought that in another twenty years, he would still be a teenager!

(End of chapter)