Chapter 277: Formal Borrowing of Money
I said this to make time for my cash flow.
According to the funds required in this plan, it is about more than two million, including some facilities for subsequent scheduling.
The money I can use myself is only more than three million, which seems to be enough, but there will inevitably be some surprises.
So I plan to keep the more than 3 million yuan in my hand and ask Feng Jie for a loan, and use my current few halls as collateral, I should be able to borrow a lot of money.
I asked Chen Cheng to continue the conversation with An Lu, and I drove to the head office of Hezhou Bank.
Of course, after arriving, I contacted Feng Jie.
After I parked the car in the underground garage, Feng Jie took Zhuo Ding out to greet him.
After all, he's a special contact person for my current business.
"Brother Shen, you're ready, come with me."
Feng Jie said that, he took me all the way to the elevator to the conference room on the second floor of the head office to discuss special business.
"How much money do you need this time?"
Feng Jie asked directly after closing the door.
"About three million, maybe more than four million."
I said slowly, "The main thing is that you need to prepare some funds in terms of logistics, as well as new entrances and supplies. ”
"Well, Brother Shen, you fill out this form first, and if you need relevant documents, I will go directly to the Public Security Administration Office to print it."
Feng Jie knows my character, so he comes completely in accordance with the rules and regulations.
I'm relieved about that.
Feng Jie left the conference room to get the information, while Zhuo Ding told me what I needed to fill in these items.
This is the first time I have taken out such a large amount of loan.
In the past, in the capital, I relied on the wealth I had accumulated when I was in school, plus the more than one million yuan I borrowed from the Han family, to open the hall and prosper - of course, I paid it all back afterwards.
"Brother Shen, the interest rate may be a little high if we have this project now."
Zhuo Ding said while instructing, "According to the current interest rate, the four million may be repaid to about four million in total." ”
"Well, no problem."
I nodded slightly, and according to the interest he said, the interest rate was about four percent, which was within the normal range.
It didn't take long for me to fill out the form, and Feng Jie also brought the relevant proof I needed.
"Brother Shen, we have several mortgage methods, take a look."
After coming back, Feng Jie handed me the relevant documents.
There are several types of mortgages – real estate, company property, or existing assets, and of course many other mortgage methods, including my antiques.
However, some collateral needs to be temporarily controlled while I am borrowing.
For example, I saved more than three million.
"My hall, can the two halls in the central mall be used as collateral?"
I spoke slowly.
"I'll see."
Feng Jie said, taking out the relevant documents, "Your cousin...... The shops are rented, including the one on Dongxing Pedestrian Street, and only ...... The entrance of the hall of flowers and birds of the rich people. ”
"If I use it as collateral, will the operation of this hall be affected?"
I asked, thoughtful.
"No, we just want the property rights of this hall as collateral, of course, only if you are overdue or do not repay the loan will be seized or auctioned."
Feng Jie explained, "Next, I need to explain some documents and regulations to you, and you need to answer: clear, understood. ”
"Okay."
After I nodded, Zhuo Ding began to shoot, while explaining to me that these are used as a file to prove that you are aware of the relevant regulations and prevent you from violating them in the future, pretending not to know.
Indeed, they are very dedicated, and all the steps are done carefully.
After listening to him talk about the regulations, even if I understood it clearly, I also took some photos of the documents and filed them.
"Brother Shen, I will let people review it next, it will be within seven working days, since you are a company, it may be faster."
Feng Jie explained, "I'll do it next, and I'll let Zhuo Ding hand over the documents to you when the time comes." ”
With that, I slowly got up and left the head office of Hezhou Bank to wait for the news.
After returning to the hall, Chen Cheng had already discussed it with An Lu.
"Shen Fan, all the details have been discussed."
Chen Cheng got up and spoke after seeing me come back.
"Okay, as for the money, you first set up a logistics subsidiary, and also, you should leave Yunfeng Logistics, right?"
I nodded and looked at Anlu.
"No problem, I will complete the resignation procedures in the next two days, and then I will set up a logistics company under your command."
An Lu said excitedly, "As for the ...... funds"
"How much do you need for the subsequent formation period?"
I asked directly.
"300,000 is enough."
An Lu spoke, "I will list the specific expenses, and you can clearly see how the money is spent." ”
"Three hundred thousand...... Does it cost so much money to set up a company in the early stage? ”
I frowned slightly and recalled, I didn't think about building a logistics system by myself before, but the early construction is simple, but the later related investment will be more.
Just to build a logistics company to hang under my extraordinary antiques, at most tens of thousands.
Shen ...... Brother Shen, can I call you that? ”
Wu Jun on the side said, "Brother Shen, in fact, if An Lu wants to leave, he will bring some employees of Yunfeng Logistics over." ”
"Yes, these people, I have to give them a slightly more salary than Yunfeng Logistics first."
Under Anlu's explanation, I probably understood why he needed so much money.
Of course, the old employees who came out of Yunfeng Logistics are experienced and can play a very good role in the establishment of the logistics system in the early stage.
In fact, I am optimistic about Anlu, rather than engaging in logistics routes myself, because of his experience in this industry for so long.
"Okay, Chen Cheng, here in the logistics system, you are staring, I don't know much."
I pretended not to understand and nodded, "Anlu, you can do it without worry, just treat me as the boss of Shanxi Coal." ”
We all laughed at that.
After all, interlacing is like separating mountains, and there will always be problems when a layman directs him to be an insider.
"That'...... Sink...... Brother Shen, I'm ...... I'll definitely do a good job! ”
An Lu was so excited that he almost couldn't even speak.
In his eyes, I may be the kind of Bole who knows Maxima and "signs" him.
"You go first, when you're ready, I'll have the funds here."
As I spoke, I waved my hand and told them to get busy first.
Afterwards, Chen Cheng and I sat in the small pavilion to rest.
"Are you sure there's no problem inside?"
After a pause, I asked slowly.
"There are a few problems, but from what I've learned from friends, it's basically not a big problem."
Chen Cheng nodded, "But...... If we're going to walk through the field...... It's a hassle to be true or fake, and you can't often go to various places to identify and then pick up the goods, right? ”