The next day.

Early in the morning, it was freezing rain, and as soon as I walked out the door, I felt a biting cold.

At about nine o'clock, Fang Bai put on a raincoat and helmet and rode out on a motorcycle.

The ground was still icy, Fang Bai drove very slowly, and he almost slipped, feeling that he shouldn't ride a motorcycle when he went out today, he should take a taxi.

But no, I rode out for a kilometer or two.

Fang Bai approached He Jian, the president of the N branch of Changxin Road, and asked directly: "President He, I submitted a loan application before, but so far I have not received a notice of approval.

I would like to know what caused the loan to not be approved? ”

Seeing Fang Bai coming, He Jian explained unhurriedly: "Boss Fang, your loan application is still under approval and has not been rejected.

Due to some internal adjustments and process delays at the bank, the processing time has been extended, and there is still one final procedure before the loan can be released. ”

"The last formality?" Fang Bai frowned, a little puzzled.

"Yes, fast and fast, depending on what you mean."

When He Jian said this, Fang Bai instantly understood, didn't he just ask for a benefit fee.

He put forward his own conditions, which can approve 500,000 yuan and rebate 2 points;

It can approve more than 1 million yuan and get a rebate of 3 points.

He Jian sneered: "Sometimes I play rock-paper-scissors, if someone else comes out with scissors, what do you think I should do?" ”

"Governor He, this, let me think about it." Fang Bai immediately understood.

He's numb, and a fist is either five or ten points!

The appearance was so ugly, Fang Bai suppressed his anger, and planned to go to other banks to take a look.

"Well, let it be."

He Jian, who was in his forties, seemed to be smiling, as if he had eaten Fang Bai.

Fang Bai left He Jian's office, and if he stayed any longer, he wanted to shoot his bald head with a brick: Nima, eat people without spitting out bones!

The interest on the loan is very high in these years, and the annual interest rate of the loan for two years reaches a terrifying 16%!

If you give this bald bank president another 5 rebates, the interest in the first year will be 21%, which is no different from the usurious loans of later generations.

The loan interest is too high, which is also an important reason why ordinary people dare not take out loans.

Of course, the interest on deposits is also very high, with a lump sum deposit and withdrawal of 10.98% in two years and 13.68% in five years!

People who don't know about this era are really unimaginable.

Deposits and loan interest rates were high, self-evident, and did not fall until after 1998.

After more than 20 years, it has been declining, and in 2022, the interest on the two-year lump sum deposit and withdrawal is only 2.25%.

As such, the mortgage interest in the 90s was very high, and if you don't know the future economic development of the country, you won't dare to lend.

Fang Bai put on his helmet again, he didn't want to go directly to various banks, it was better to introduce him through acquaintances.

It's stupid to have connections that don't need to be used.

Fang Bai directly found Chen Shi, the leader of the industrial and chemical department, came to his office, and after seeing others, he directly explained his intentions.

Chen Shi still admires Fang Bai very much, he is a young man, he is motivated, but he should be steady, and he still pays taxes legally, and he feels that their company should develop quickly.

The rapid development of others is also good for him, so he planned to help him, and asked first:

"Boss Fang, Ye Fan, president of the G branch on Nanjiang West Road, I know, do you want to take a loan over there?

It should be a good loan at the beginning of the year now, and there is no reason not to lend it to you. ”

"Okay, whether it works out or not, I thank the leader first."

"Haha, I'll call and ask first, don't worry." Chen Shi saw that Fang Bai was willing, found his phone record book, picked up the landline and called the other party.

The phone beeped for a while, and the two exchanged a few polite words, and then Chen Shi explained his intentions.

After two minutes, end the call.

"There's no problem, you go over and talk to him in person first, others are in the line, you can just talk to the hall manager when you get to their line, whether it will work out or not, it depends on yourself, I can only help you get here." Chen Shi didn't finish his words.

Fang Bai stood up, shook hands with Chen Shi, and said gratefully: "Thank you so much, I'll talk about it when the shopping mall is done." ”

"Haha, it's just a gesture." Chen Shi smiled, understanding what Fang Bai meant.

Through a wine banquet, I know that this Fang Bai has a very high emotional intelligence and will not owe favors at will.

At this moment, Fang Bai owes him a favor, and Ye Fan also owes him a favor, just two at once, so that someone who has the ability can owe him a favor, of course he is happy.

Fang Bai left Chen Shi's office, and a few minutes later, he came to the G branch on Nanjiang West Road.

Ye Fan is worried about this year's loan task, their branch absorbed too much savings last year, but no one is willing to take out a loan.

Chen Shi's call said that a pretty good young boss wanted to take out a loan, the amount was not small, he had his own large shopping mall, and his qualifications were also good, so I would like to introduce him.

It's just in time!

He waited in the office to let the hall manager pay attention, and if anyone was looking for him, bring it directly and be warm.

Fang Bai talked to the hall manager and looked for their president.

"Hello, our governor is here, he has commanded, please come with me." The hall manager smiled professionally, a smile as warm and bright as the winter sun.

Fang Bai nodded and walked behind her.

After a while, Fang Bai came to Ye Fan's office.

Ye Fan sat in the office and waited, and when he saw the hall manager bringing someone over, he stood up and greeted him with a smile: "It's Mr. Fang, right?" ”

"Hello, President Ye, Chen Ju introduced me here." Fang Bai stepped forward to shake hands and give a reminder, so as not to admit mistakes.

Seeing the other party so enthusiastic, I feel much better than that Hejian.

The other party is in his forties, dressed in formal clothes, his face is slightly vicissitudes, with some traces of time, but still full of charm and confidence.

Looking at the other party's upright sitting posture, I feel that I have been in the army.

Still couldn't help but use the gold finger to detect the other party's information, and sure enough, he guessed correctly, he was still a small officer before, but he just retreated.

In Ye Fan's office, there is a pot of blooming flowers, exuding a faint fragrance of flowers.

The warm lighting illuminates the whole room, giving a cosy and warm feeling in the cold winter, and the atmosphere is perfect for business meetings, and it seems that some thought has been put into the arrangement.

Ye Fan said with a surprised smile: "Mr. Fang is really young and promising, which surprises me. ”

Chen Shi had already told him some of Fang Bai's situation on the phone, and praised Fang Bai for being young, but he was a business genius, and his family's business was dominated by him.

After Fang Bai sat down, the two of them exchanged polite words before they began to consult Fang Bai's situation, which was also the normal process of the bank.

If you want to take out a loan, you have to let people know your income and assets.

If it is a later life, the bank staff will investigate the computer, how much money you have borrowed from a certain bank, and the bank flow is clear.

If you deliberately conceal information, or even deceive others, giving people the impression that they are unreliable, it is not good for the loan.

Fang Bai said the income and expenditure of Xinghai Electric Company, as for Jiayu Company, he did not say that these asset information, people have to go to the scene to investigate in person, conduct credit assessment, repayment ability assessment, but not a mouth.

Now Fang Bai didn't want his father-in-law to know his specific situation, so there was no need to tell others.

After Ye Fan understood the same, he asked, "How much does Mr. Fang plan to borrow?" ”

"Well, the more the merrier.

I spent nearly one million yuan on the cost of investing in the shopping mall and the decoration, and I currently have 500,000 yuan for purchase, and there is still a shortage of 2.5 million yuan to meet the demand. "Fang Bai exaggerated the cost of the mall, these are not easy to check, can only be estimated.

He took out the contract and title deed for the purchase of the land, his and his father's identity certificates, tax payment certificates and other materials from his bag.

Since these assets are in the name of Fangshi, I have to ask my father to sign it when the time comes.

Ye Fan took the information, looked at it carefully, and after a while, asked: "15 pieces of land, more than 1,000 square meters?" ”

"Yes, only one floor of renovation has been built so far."

"Well, the investment is huge, how is the current ability to repay the loan? After all, the amount of loans that Fang always has to borrow exceeds its own fixed assets. "Ye Fan will ask about the ability to repay, but he will not ask about other people's trade secrets.

"In half a year, the after-tax profit is not less than 500,000 yuan, and after the mall opens, I believe it will be paid off soon.

Of course, our company will expand rapidly, need a larger amount of funds, when the time comes to ask not for millions of yuan, but more than tens of millions of yuan, I believe that our cooperation is a win-win situation. Fang Bai said that on the one hand, tell the other party his ability to repay, and on the other hand, tell the amount of funds needed in the future, which is worthy of long-term cooperation.

Through the other party's information, Fang Bai knew that the other party was not a greedy person, so there was no need to talk about rebates.

The officers who retired from the army really still stuck to their beliefs.

Next, the two sides had a talk, talking about the loan guarantee method, interest, repayment method, etc.

"Mr. Fang, there is no big problem on my side, but I still have to go through the process."

"Understand, thank you President Ye, I will go on a business trip tomorrow to purchase electrical appliances, the amount of funds is used very quickly, I hope to be able to get a loan within a week, or the factory is on holiday, and I can't buy goods and operate if I have money."

"It's urgent, I'll speed up the process here."

Ye Fan felt that there was no big problem, but he still had to go through the process, and it was also introduced by Chen Shi, even if the qualifications were poor, he had to take out some loans anyway.

"Yes, otherwise you will miss the promotion before the Spring Festival."

Fang Bai explained that from what Ye Fan thought in his heart, he knew that the problem of this loan was no longer big, but he had to go through the process, and the specific amount of loan could not be decided.

"Okay, I'm almost done here, and when there's progress, I'll call you again."

"No problem, thank you very much President Ye."

Speaking of this level, the matter was over, Fang Bai proposed to invite him to dinner, Ye Fan refused, saying that he would talk about it after it was done.

Fang Bai also understood that the matter was not finished, and it was impossible for people to attend the dinner, so he left the bank.

Ye Fan's side, he wants to notify the relevant personnel to make a back adjustment first, give him the information tomorrow, and then lead the team to inspect the site.

(End of chapter)