Rebirth Starts From 2006

Chen Yang was sitting on the main seat of the sofa, Zhou Na and Zhang Jin were on the long sofa on the left, and Zhang Chunli was making tea on the right.

Looking at Zhou Na and Zhang Jin, Chen Yang said with a smile, "Why are you two busy people free today? Come to my small place to inspect. Is there any good business to take care of?"

"Oh, what you said," Zhou Na put her legs together, put her hands on her lap, sat sideways facing Chen Yang, looked around the office, and said with a smile, "Your place is not small, with exquisite and unique decoration, refreshing and bright , simple but not simple, I have seen so many boss offices, like yours here is the only one, and it can be used as a model for decoration companies to show, but we want to come every day, I am afraid that Mr. Chen, you think we are annoying,

Besides, you are the one who takes care of us, Mr. Chen, your business has grown, so you must take care of the little girl. "

"Heh," Chen Yang chuckled, looked at her, and said with a smile, "I heard that, why do you two seem to have come prepared, presumably it's not for the business of Anjia Real Estate?"

As he spoke, he looked at the two of them again, and asked with a half-smile, "Did you come for that piece of land?"

Zhou Na clapped her hands lightly, and said with a smile, "Let me just say, Mr. Chen must understand that you have already done such a big business, and you are going to engage in real estate development. This financing opportunity, you have to take care of the old man. Clients!"

"Yo, you guys are really well informed,"

Chen Yang rubbed his head, leaned back on the sofa, sighed and said, "My company has only been registered for a few days, and the land was acquired only the day before yesterday. It's only been a few days, you just smell it and look for it. Come here, it's great!"

"oops,"

Zhang Jin stared at him pretending to be angry, and said softly, "Mr. Chen, how can you say that we are dog-nosed!"

"Haha, count me as wrong,"

Chen Yang immediately folded his palms together to apologize, just at this time Zhang Chunli put a cup of Kung Fu tea in front of him, picked it up and said with a smile, "I'm making amends by replacing wine with tea."

When the two women heard this, they wouldn't just sit upright like this, and they also took a sip of tea with a smile.

It's all a joke, no one will take it seriously,

Chen Yang put down his teacup, the smile on his face disappeared, he looked at Zhang Jin, then at Zhou Na, and said, "Since you are so well informed, don't you know how much money is in my company's account?"

"I do not know,

"

Zhou Na stared wide-eyed, and said with surprise on her face, "Whether it's your personal account or a company account, the deposit information is absolutely confidential. No one will know it except you. How could we know it!"

Zhang Jin also nodded in cooperation, and then pretended to be curious, and leaned forward to look at Chen Yang, "Mr. Chen, can you develop a real estate with sole proprietorship?"

Glancing at the two women, Chen Yang secretly laughed in his heart, I'm going to believe your nonsense, I'm just a stick!

Any large amount of fund changes in any account will be subject to abnormal supervision by the bank. Although it is stated that confidentiality is required on the surface, how did the situation in later generations receive bank wealth management calls as soon as there is money in the account?

At first, he thought that as soon as the money arrived, the people from the bank would catch up and recommend the business. Unexpectedly, after waiting for several days, the two people came together. It turned out that they were waiting here.

That's right, if a sum of more than 200 million yuan came out suddenly, and they didn't know what the situation was, so they stayed put for a while, then they registered a real estate company later, opened a business account, and bought Why is a piece of land not for real estate development? !

After tapping twice on the armrest of the sofa with his fingers, Chen Yang looked at Zhang Jin and smiled, "Well, since you have received the news, you should know that this is just a small real estate with a planned construction area of ​​less than 10,000 square meters. It’s only a few tens of millions when it’s all built, why should I take out a loan for such a small amount of money, besides, "

Chen Yang pointed at the two of them, "I still have a loan of more than 300 million yuan in your bank, and the monthly interest is more than 1.7 million yuan. You still want to squeeze wool on me!"

Now the construction cost of one square meter is less than one thousand yuan, and the construction area of ​​nine thousand square meters is indeed only tens of millions, not even one hundred million yuan. Of course, this is without other costs, and it will be high if all are added.

"How can this be plucking wool? It's a win-win situation!"

As soon as Chen Yang finished speaking, Zhou Na immediately said with widened eyes, "Look, the construction cost only accounts for about 40% of the development cost of a project, and the preliminary construction cost, public facility cost, management fee, etc. Taxes and other fees, the cost will go up all at once,

Even if you really have so much cash, there is no need to put it on it. Wouldn’t it be good to invest in other businesses? Besides, there are no developers who don’t take out loans these days. If you move the money out, you can do it again. Are you going to develop a few other projects? "

"That's right," Zhang Jin also hurriedly said, "Didn't you say last time that the stock market and property market will continue to rise this year, and even if there is a financial crisis, that will be a matter of the future. You put your own money into In the stock market, the money earned is not much more than bank interest!"

That is to say, last week's callback plummeted, and this week it has made up for the rise, otherwise she would not dare to mention this.

"Oh, you two are really eloquent." Chen Yang patted the armrest of the sofa pretending to be helpless, thought for a while, and then said, "You are right, investing money in the stock market is indeed profitable." More interest than the bank, um, if I ask you for a loan, it is not impossible, but what is the interest rate?"

"You can rest assured about that,"

Seeing that Chen Yang was relieved, Zhou Na quickly said overjoyed, "Our bank has special preferential policies for real estate developers, and you are also a strategic partner of our branch, which is definitely the lowest interest rate."

"Yes," Zhang Jin also said with a serious face, "We can solemnly promise to make up the difference if the price is higher!"

Chen Yang glared at her angrily, "You should go to Suning Gome to buy electrical appliances!"

Then he pointed at Zhou Na and said seriously, "The lowest interest rate, that's what you said."

Zhou Na immediately raised her right hand, "As I said, it is absolutely guaranteed that there will be no problem!"

Last year, their bank even dared to make excessive loans. The lowest interest rate is nothing, anyway, it can't lose money.

"Okay," Chen Yang patted the armrest again, and said with a smile, "In this case, let's cooperate."

Before the two women could speak, he continued, "However, you are also aware of the rules of the real estate industry. In terms of construction, there are construction units to advance funds, otherwise the ratio is so high, so the loan amount is not as high as you imagined."

Originally, he wanted to find a bank loan. Otherwise, with 100 million yuan alone, even in 2007, in a city like Beishang, Guangzhou and Shenzhen, he would not be able to buy much land. Financing development is the kingly way!

Therefore, the basic account of Hengli Real Estate Company is also opened in Min'an Bank, just to facilitate loans.

Now they just came to solicit business, and instead of pushing the boat along the way, asking for the most favorable treatment, wouldn't it be a waste of such a good opportunity.

Zhou Na and Zhang Jin looked at each other, and both could see the joy in each other's eyes. It's really a pleasure to talk business with such a client!

Looking at the cheerful two people in front of him, Chen Yang kept his face calm, but he sighed secretly in his heart. Speaking of which, when he took out the mortgage for the first time last year, he bullied them for being young and ignorant, and frightened them severely. , if you change to an experienced loan officer, don't think it's so easy to get a loan at that time, maybe you have to pay something else,

Unexpectedly, after more than half a year, the two girls still didn't make much progress, and they took the initiative to offer loans to the door,

He can only say one thing about this, fate!