"Well, you'd better wait for Governor Min to tell you, she didn't give me too much detail. Lin Mingzhen made a detour.

"Okay, let's hurry up, don't let Minhang wait for a long time. Lin Mingzhen couldn't ask a reason for this, so Hu Mingchen simply didn't ask.

Anyway, I'm going to sit down face-to-face with Min Cohen soon, and it doesn't matter if I know one minute earlier or one minute later.

Hu Jianqiang and Lin Mingzhen shook hands and greeted each other.

The three of them arrived at Min's office, where Min was still waiting for them in the lounge area.

As soon as Hu Mingchen and the others entered, Min Wen stood up with a smile on his face and took the initiative to take two steps forward.

When I met with Min Cohen, there was another round of greetings, and after greeting each other, we sat down again like the last time we met.

"Governor Min, you should have brought good news when you came back from the province this time, I guessed right, right?" After sitting down, Hu Mingchen asked with a smile.

"Are you sure I'm coming back with good news, or do you want me to come back with good news?" Min asked with a smile.

Seeing Min Cohen's smile, Hu Mingchen knew that things were almost over.

"I hope and I am sure that we will not be disappointed this time. Hu Mingchen said with great certainty.

"I'm not sure you'll be satisfied. Min said.

"Governor Min, is it true that the provincial bank still doesn't approve it?" asked Hu Mingchen solemnly.

"It's a batch, but it's ...... In terms of interest, there is no discount. Min Cohen said seriously.

This involves money, so it can't be arbitrary.

"There is no preferential interest, so how is it calculated? Hu Mingchen said.

Immediately, Hu Jianqiang took out a piece of paper and handed it to Hu Jianqiang: "This is our current commercial loan interest rate calculation, you can take a look." ”

The paper was written with dense numbers and calculation formulas, although there were also some text explanations next to it, but it was a technical word, and he couldn't understand it very well. Hu Jianqiang only looked at it twice, and he felt that his head was big and he didn't have a clue. So he simply transferred the piece of paper to Hu Mingchen, and Hu Mingchen went to see it himself to make a decision.

Hu Mingchen took the piece of paper and looked at it for two or three minutes.

"Governor Min, the interest rate for two years is as high as 11.16 million? Didn't you hear that the interest on commercial loans is only a few quarters, why are you writing 5.27 on it?" asked Hu Mingchen.

"Because the shorter the time, the lower the interest, we use the benchmark interest rate announced by the central bank to calculate, and this will not be wrong. Although the total interest is 11.16 million, in fact, your annual interest is only 5.58 million. Min explained.

"Wow, we have to pay the bank more than 5 million yuan in interest a year, which is too high, I'm afraid we won't be able to earn that much in a year." When Hu Jianqiang heard that he was going to repay more than 10 million yuan in interest, he was shocked and surprised.

"Mr. Hu, your loan is a commercial loan, and you use money to make money, and you are borrowing 100 million, and the interest is only more than 5 million per year, which is not expensive. If that's the case, you really don't need to find a bank loan. Min said.

Min Cohen's words were a little ridiculous, but she had to admit that she was telling the truth. An investment of 100 million, no matter how low the rate of return is, should be 10 percent, and that is also 10 million.

"Hehe, President Min, you're right, okay, then the interest rate, more than 10 million is more than 10 million, we are willing to lend. Hu Mingchen smiled self-deprecatingly.

"Well, since you agreed to this condition, the rest will be much easier. Tomorrow, you will prepare the materials to come to our bank for processing, find Director Lin specifically, and after the procedures are approved, the funds will be transferred to your company account. Min Cohen said simply.

"President Min, how long is this period? In other words, how long will it take for the procedures to be completed and approved, and when will the funds be in place?" Hu Mingchen asked, "In addition, what information do we need to provide?"

"I'll let Director Lin answer you. Min Cowen threw the question to Lin Mingzhen.

"It's about seven to ten days, because we have internal procedures to go through on our side. I will give you a list of the information you need to provide, such as licenses, legal person information, your shareholding certificate, etc. Lin Mingzhen said.

Lin Mingzhen is the deputy director of the credit department, and he is quite handy in this business.

"Then does the company's legal representative want to come forward?" Hu Mingchen continued to ask.

"This is still required, at least the loan contract needs to be signed by him, and the information you provide, in addition to the company's official seal, we also need the signature and fingerprint of the legal representative for the record. Lin Mingzhen explained.

"Okay, that's it. ”

A lot of business is like this, when it really takes to make a decision, it doesn't take long, but it takes time to deal with the details in the early and late stages.

This time, Hu Mingchen and they only talked with Min Wen and Lin Mingzhen for about 40 minutes, and the 100 million bank loan was finalized.

After the talk, Hu Mingchen proposed to invite Min Coco and Lin Mingzhen to dinner, but Min Coco politely refused because he still had work to deal with.

"Xiao Chen, since you need your father to come forward, then you should call him and ask him to come and delay him for a few days. On the way back, Hu Jianqiang reminded.

"Hehe, if you call him, he won't come, besides, he has nothing to do, so why don't you delay. Hu Mingchen said with a smile.

"Who said there was nothing to do, your dad and mom have been tidying up the façade for the past two days. ”

"Tidy up the façade, what kind of façade to tidy up?" Hu Mingchen asked curiously.

"Your father told me that he was going to do business, and asked me to get him two storefronts. I gave it to him, and he meant that he was going to sell one of the two storefronts, one for expenses, and the other for pesticides and seeds. So he's been busy for the past two days, and today he's still painting the walls. Hu Jianqiang said.

"Why didn't you tell me about this?"

"It's not a big deal, besides, it's all his in name, including Duge's Ethnic Street, he doesn't want to use those facades, he can sell them. In addition, he told me to tell you when it was done, so what can I do, can I disagree?" Hu Jianqiang said helplessly.

Hu Mingchen thought about it the same way, Hu Jianjun told him not to tell Hu Mingchen, and then tell him when it was done, probably because he didn't want to rely too much on Hu Mingchen, he might want to prove that even without Hu Mingchen's participation, he could do things.

Although Hu Jianjun is the chairman of the company, he does not have the share of decisions on large and small affairs, which are basically personal standing cards and puppets. Hu Jianjun may not say anything in normal times, but it is conceivable that he should still have ideas. Especially when others say that everything is due to Hu Mingchen, Hu Jianjun may be a little hurt in his heart.

"Forget it, he can do it if he likes it, it doesn't matter if he makes money or not, if he can find something to do to pass the time, that's fine. Hu Mingchen said.

Hu Mingchen didn't expect Hu Jianjun's fertilizer business and pesticide seed business to make much money at all, and today's Hu Mingchen is no longer very eye-catching for that little profit. Even if Hu Jianjun lost all the money he put in, Hu Mingchen didn't care.

Of course, from Hu Mingchen's tone, it can be heard that he is not too optimistic about his father's business alone. This is not that Hu Mingchen disdains Hu Jianjun's business acumen, but the thinking impression accumulated from the past experience.

"I actually think so too, the movie theater is given to Hu Mingyi's family, and whether it is the supermarket, the tourism company, or even the investment in Pengcheng, your father can't intervene, and it's strange to be idle. So I didn't object to him when he offered to do something, and I didn't listen to what he told you. Those two facades are our own anyway, just to charge less rent. Hu Jianqiang said.

"I'll call him in the evening, I'm still busy in the storefront, and besides, the last bus should leave. I'll call, and he'll be here tomorrow. Hu Mingchen said.

Because Su Yueling was there, Hu Jianqiang did not live in the office at night, and after everyone had lunch together, Hu Jianqiang opened a room in the small hotel opposite.

"It's not good to let the third uncle go to the hotel like this, I should go out with Yueling to live. After Fang Guoping and Hu Jianqiang left, he said apologetically.

"What's the matter, he's alone. The two of you go to live outside, and you don't have a marriage certificate, what if you get rounded? So don't talk about this, he may still feel comfortable living outside alone. Hu Mingchen said casually.

What rounds do not check the room, it is purely foolish, the main thing is that they go out to live, and they have to spend money. Hu Jianqiang is currently alone, there is no pressure, and he is the general manager of the company, and his economic conditions are much better than Fang Guoping. The young couple is still counting on saving money to get married.

"I'm sorry. Su Yueling followed.

"It's nothing, after a while, I'll rent or buy a few houses, and give you a set for the little two, and when the time comes, it will be convenient." ”

"It's good here, and I can buy a few houses, how much does it cost?" Listening to Hu Mingchen's tone, Su Yueling was surprised.

"Hehe, sister-in-law, it doesn't cost much. This place is still a little longer, and it is an office and a person, which is not very appropriate. Don't you still want to live in a two-person world?" Hu Mingchen took a sip of the iced tea he brought back from outside.

"But I'm ...... I'll have to follow you. Fang Guoping said.

"What are you doing with me, besides, do you think you're going to live far away? Don't worry, Sister Yueling's cooking skills, I haven't gotten tired of it, I want to leave me alone, there is no door. ”

"Come on, what are you supposed to do, I'll give my dad a call. Hu Mingchen said that he lay back on his bed, called Hu Jianjun, and asked him to come to the city to apply for a loan.