Fang Bai finished the bank loan and went home for lunch.

"Son, is it necessary to borrow so much, the interest is too high." Liu Fengqing was very worried that he would not be able to repay it, and the annual interest of the loan for two years would be more than a dozen points.

If you take a loan of one million yuan, the annual interest is more than 100,000 yuan.

Oh my God, if I can't afford it, I'll have to pay it back.

I used to hear that bank loans have high interest rates, but I just heard about them, but now I have a loan at home, and I have really seen it.

She had heard that some bosses could not repay their bank loans, and finally the court liquidated their assets.

"If the company wants to develop rapidly, it must take the road of loans, and the more you borrow, the faster it will develop.

If the bank lends me 10 million, I dare to borrow it.

Mom, it's the uncle who borrows the money! Fang Bai didn't take it seriously, but he also knew that the bank couldn't give him so much loans.

10 million in this era, compared with 20 years later, no matter how little it is, it is 300 million.

For the first loan, it is impossible for people to give him so many loans, even if it is related, unless Fang Bai's family has a lot of net worth.

Like this time, if you want to borrow 2.5 million yuan, a branch can still get it, and the people of Wencheng have money, and they have a lot of deposits in the bank, and it is really difficult to change to other city banks.

Although the money of each branch is the money of the state, the amount of funds at the disposal of each bank in each place is still different.

"Wife, my son's loan is for purchases, and without two or three million yuan of goods, this shopping mall really can't support it." Fang Shi agreed with his son's approach, but with so many loans, the pressure was really great.

Damn, this stinky boy is really heartless, and the more he plays, the bigger he gets.

If you play big, the ancestral tomb will smoke.

"Then leave it up to you, I don't care about it." Liu Fengqing waved her hand, anyway, she was just nagging.

After lunch, Fang Bai and his father prepared to go out to buy goods.

With a tight schedule and a lot of cash on them, they need to charter a van to get around, and Fangshi goes to find the van.

Fang Bai went back to the house to sort out the cash, the bank in this era could not withdraw money in other places, and remittance in other places was not a problem, it was more troublesome to make money to the public, and it was not as convenient as cash transactions.

If there has been a transaction with the manufacturer, the two parties have gained trust, and they can directly remit money to the manufacturer, without having to go to the manufacturer every time to purchase, just call the manufacturer to tell what to buy and the quantity.

Now, Fang Bai and his father have to make a trip in person.

Fang Bai took his father, firstly, the two of them traveled safely, and secondly, let his father master these purchase channels.

Before they planned to buy the goods, the family took out the money from the bank, and the cash at home was exchanged for 100 yuan bills.

The father and son went out this time with 400,000 yuan in cash, a total of four bundles of 100 yuan bills, a bundle of 10 bundles, and a bundle of 10,000 yuan, which were directly put in the backpack.

Time is limited, can't run too far, this purchase first to find the province's electrical manufacturers, fortunately the province produces a lot of household appliances manufacturers.

If you buy goods from other provinces, you have to run back and forth for many days, and the transportation is very difficult and delayed.

At two o'clock in the afternoon, a van stopped in front of his house, Fang Shi came down from the passenger cab, went upstairs to find his son, and complained after seeing his son: "Ouch, it's too difficult to charter a car, the driver is not willing to run out of the city, he can't give him more, I found a few drivers who are not willing to run, and it took a long time to find a person who is willing to run, and the car is not easy to find." ”

Fang Bai understood and said: "I'm afraid of being robbed of the car, how rampant it is now." ”

It's too inconvenient to don't have a car, even if you have a car, it's inconvenient for Fang Bai to show that he can drive for the time being, and now that funds are in short supply, it's impossible to buy a car.

"Yes, I explained to the driver that we are a regular company, people don't believe it, so I have to bring it over to take a look first, you go down and discuss with the driver, I pack my luggage, how long will I go out this time?"

"Three days at most, and I'll be back the day after tomorrow if it's fast." Fang Bai replied that this matter was decided on an ad hoc basis.

This can't be done, everything has to wait until the mall is renovated to determine whether it can open before Chinese New Year's Eve.

If you can't catch up, it can only be set to open after the Lantern Festival, and there is no place to buy back in advance, and the purchase price is different before the year and the year.

Fortunately, the decoration was relatively smooth, and it was able to be arranged to open before the Spring Festival, but the time was a bit rushed.

Today is February 1st, and it is planned to open on February 10th, and all factories are also closed at this point in time.

Fang Bai went downstairs and explained to the driver that his home was here, and the nearby shopping mall was his home, and this time he had to buy from the manufacturer, so he chartered a car.

Fang Bai gave a chartered car fee of 350 a day, temporarily including two days, more than 200 kilometers plus fuel costs, and accommodation for overnight stays.

The driver calculated, can earn about 300 yuan a day, for the sake of money, people are the local boss, indeed did not lie to him, finally agreed, do not need to bring clothes, anyway, it is winter, two or three days without changing clothes is normal, a trip home, just explain to the family.

It's also safer for three men to travel.

After Fang Bai got the driver, he and his father brought their luggage and water to drink on the way after returning to the house, and they also brought two sticks, hoping that they would not be used.

At more than two o'clock in the afternoon, Fang Bai and his father got into the van and set off.

Time flies,

Three days later,

Fang Bai and his father returned to Wencheng at three o'clock in the afternoon, and the two of them looked exhausted.

In the past three days, they went to Ningcheng and ran a total of six factories, most of which were located in Zixi.

In the end, only three factories placed orders, the first of which was Ningcheng Zhede, which was established in 1980 and specialized in the production of household refrigerators and washing machines.

The second is the later generation of Han D, founded in 1983, specializing in the production of refrigerators, freezers, washing machines, air conditioners, ovens, sockets, cables, etc.

The third is a state-owned enterprise that produces small household appliances.

There are many manufacturers of refrigerators and washing machines in Ningcheng, such as Han D, Okay, Oaks Air Conditioner, which was established in 1994, and Fangtai Kitchenware, which was established in 1996.

There are still many state-owned enterprises in Ningcheng that produce small household appliances, but most of them have been acquired or restructured in later generations.

Fang Bai will purchase household appliances in the future, mainly from Ningcheng Zixi.

He found a state-owned enterprise that produces electric fans, the factory director hinted that he wanted to take the card, and the efficiency was slow, Fang Bai slipped away after an hour, and he didn't have time to deal with the factory director, he came to buy goods, and the shopping mall at home was still waiting for the goods to be on the shelves.

Nima's, if it is consumed, it is difficult to say whether it can be bought.

In addition, now that it's winter, who still buys an electric fan, so Fang Bai's anger came up all of a sudden.

Damn, I don't buy electric fans for the time being!

If you want to buy it, you can't buy this one.

He was planning to buy a fan, just to buy some for display.

As a result, the factory director was very arrogant, saying that he would sell well in the summer, and now production is hoarding.

In the other two factories, Fang Bai used gold finger detection and found that there were too many product problems, and he did not plan to purchase from these two factories.

This business trip procurement, mainly to purchase refrigerators, washing machines, air conditioners, Fang Bai originally planned to buy other electrical appliances, yesterday afternoon Ye Fan called him, saying that the loan was approved, let him have time to go over to sign, specific meeting, it is not convenient to talk on the phone.

The speed of efficiency shocked Fang Bai very much.

Hemp, who said that the efficiency of banks is slow, as long as the loan amount is large enough, the president himself will go out, and the efficiency will be as fast as possible.

Therefore, Fang Bai threw all the 400,000 funds on the products of the three factories, went home first, and after getting the money, he went to Shangning City to purchase other household appliances.

Fang Bai gave the chartered car to the van driver, asked him to come again tomorrow morning, possibly go out for a few days again, and asked him if he was willing.

"Boss Xiaofang, it's no problem, then I'll go back and rest first." The driver didn't hesitate, of course he had to do such a good opportunity to make money.

In the past three days, I was a little tired from driving, but it was very refreshing to eat and drink with the boss.

While there was still time in the afternoon, Fang Bai and his father brought the materials and came to Ye Fan's office.

Ye Fan showed the prepared loan contract materials to Fang Bai and his son, and at the same time explained the loan amount, interest rate, repayment method, repayment period, etc., and asked him to pay attention to paying off the interest every quarter, so as not to affect the renewal of the loan.

"I can only get you 2 million yuan, the term is two years, and the annual interest will be 15.8%, which is too big, or it can be lower." Ye Fan said.

After talking with Fang Bai that day, Ye Fan asked Fang Bai's family to conduct a background check.

Yesterday morning, after he got the background check materials, he didn't expect that Fang Bai was still repeating, and his grades were very good, so he was even more shocked.

Studying well only surprised him, and it had little to do with loans.

In the afternoon, Ye Fan took people to Xinghai Shopping Mall to investigate, the novel decoration style is eye-catching, the scene has been hung with various propaganda banners, many passers-by came to watch the excitement.

Yesterday, I happened to set up a stall in front of the mall to sell TV, and the sales were hot, no wonder I made money so fast.

Fresh advertisements, flyers...... Ye Fan and the others felt that Xinghai Shopping Mall would be on fire.

That's why he agreed to Fang Bai's application for a line of credit.

Fang Shi took a deep breath when he heard that there were so many loans, and he felt a lot more pressure.

A few days ago, I thought it was nothing, but when I really implemented it and knew that I would have to repay more than 300,000 yuan of interest a year, I felt different.

Fang Bai nodded: "Yes, thank you very much to Governor Ye." ”

"Haha, I hope your business is booming, and the pressure on my side is not small.

After the contract and other formalities are completed, the loan can be finalized, when do you plan to withdraw the cash?

If you withdraw a lot of cash, the bank has to prepare in advance. Ye Fan laughed.

Fang Bai asked: "After taking it all at once, can I get the money tomorrow?" ”

"Yes, I'll urge you, come over at ten o'clock tomorrow." Ye Fan said that it generally takes a few working days to implement the loan and really be able to withdraw cash.

There is even a possibility that the loan will be cancelled due to an accident.

Ye Fan agreed, special affairs, just go through the formalities in person, and don't have to wait a few working days.

Now Fang Bai is in urgent need of funds for development, since he has agreed, the loan will be simply not affected, and it will not affect people's purchases.

If it was a few days later, people might not be willing to take out a loan, which was one of the reasons why he wanted to help Fang Bai disburse the loan as soon as possible.

If it's a general loan, it's a few days.

Next, Fang Shi signs the contract and goes through various procedures.

Fang Bai invited Ye Fan to eat together, and Ye Fan said for a while.

In the afternoon, the van driver came to Fang Bai.

Fang Bai said that he would leave tomorrow morning and ask him to come over at nine o'clock tomorrow to withdraw cash from the bank first.

The next day, at nine o'clock in the morning.

Fang Bai and his father prepared two backpacks and went to the G branch on Nanjiang West Road again to wait for the money to be withdrawn, also afraid that something would happen.

Even if he agreed to lend money, before he got the money, Fang Bai's heart was not steady.

Thankfully, everything went well.

When it was almost eleven o'clock, Fang Bai and his father left the bank with a backpack, each backpack put a million in cash, all 100 yuan in cash, each bag weighed about 23 catties.

Get in the van, go home with your prepared luggage, and set off for Ningcheng again.

If the goods arrive at home, Fang Bai's mother will receive the goods, Xiang Tianhai and Chen Yang and others will help accept the goods, and Fang Bai has already put the purchase bill at home.

If the goods are not received, Fang Bai can take the purchase bill to the manufacturer for checking.

On this day, the time has come to February 5th.

Beginning on February 6, Fang Bai and his father went to various manufacturers to start purchasing and asked the manufacturers to deliver the goods on the same day.

All day on February 7, Fang Bai and his father were still stocking, and the goods were cleaned that day.

On the morning of February 8, we set off from Ningcheng to return to the city.

At nine o'clock in the evening, the father and son returned to Wencheng exhausted.

I heard from my mother that the first batch of purchased goods had arrived, and the second batch of goods had also arrived in a cart and placed in the display case.

In the past few days, there are no more stalls, and all the staff are making the final sprint for the opening of the mall.

(End of chapter)