Set sail1992

Chapter 608 Done!

Seeing his brother-in-law nodding, Captain Li was also very happy, and then said: "As for the loan amount you are concerned about, of course I have carefully understood it, otherwise I can let you change the car? I really think this is a rare opportunity. It would be a pity to miss it.”

Hearing what Captain Li said, Wan Dacheng understood a little bit, and hurriedly said: "Brother-in-law, tell me, I'm listening."

"The Huateng Group has very big preferential and support policies, and even the interest rate is lower than the bank's loan interest in the same period. It is said that the Huateng Group has given some subsidies. I thought about the reason why the Huateng Group did this. , generally speaking, it is to open up the situation. To put it bluntly, there must be "highway stars" running on the road and helping them to gain popularity, so that these cars can attract transportation companies and private owners from all over the world, saying that they want to sell the car. If you sell it, I would rather post a little money."

"It should be what you said, brother-in-law." Li Wan Dacheng nodded hastily: "Then what are the specific measures?"

"To be specific, the first support policy is that individuals who want to buy a 'Highway Star' in the first three months can apply for a full loan after passing the review. This 'full amount' means more than 3 million car purchases Including the purchase tax, insurance, anchorage fee, management fee and other miscellaneous expenses, it is about 240 million..."

Before Captain Li finished speaking, Wan Dacheng couldn't help interrupting him, and said with disbelief on his face: "Brother-in-law, this is wrong, according to what you said, wouldn't it be equivalent to Huateng Group and the transportation company?" While buying the car for us, going through the formalities for us, and finally handing over the car to us, we only need to find the driver and flight attendant in advance and we can go on the road?"

Immediately after Wang Dacheng, Captain Li's wife was also very surprised: "Yes, Lao Li, you are not bad, are you? How could such a good thing happen?"

No wonder the brothers and sisters reacted so strongly, it really sounds unbelievable: these days, it is almost impossible for banks to lend large sums of money to private individuals, such as directly buying a car and running it well All the procedures are delivered to you, but you are a person of this era, can you believe it? !

So Captain Li understood the reactions of his brother-in-law and his wife too well, he nodded and said: "When I heard the leaders of the unit talk about it, my reaction was similar to yours, and I also felt that this matter is so unreliable. But after listening to the leader’s explanation, I understood: this is some means Huateng Group adopted to open up the market, and Huateng Group guaranteed the bank behind it—for example, Dacheng, you secretly sold the car I took the money and hid..."

Before Captain Li finished speaking, his wife was not happy, and frowned: "Old Li, what do you mean by that? Is my brother such a person?"

"How can I just give an example..."

"Just give random examples and don't talk nonsense."

"Okay, okay, it's me, I sold the car secretly and hid the money, okay?" Captain Li didn't bother to argue with his wife, and took the matter to himself and then said: "When the time comes, we should return the money." In the days of money, the bank did not receive the monthly payment I deposited into the designated account, so they went back to Huateng Group, and Huateng Group had to exchange the money to the bank.

It is precisely because Huateng Group has provided guarantees to these car buyers that the bank is willing to lend so much money... I just forgot to say that this loan is repaid on a monthly basis, and the longest term of this loan is It is five years. "

That's it!

Only then did Wan Dacheng and the others suddenly realize: It turns out that the Huateng Group provided the guarantee, which is understandable. As for whether the loan is repaid monthly or annually, is it important?

Not important at all!
The important thing is that this also means that even if you don't have a penny, you can still apply for this loan and do this business, let alone repay this loan in five years, which means that every month The pressure to repay is less, where can such a good thing be found?He hurriedly asked Captain Li: "Brother-in-law, do you mean to let me apply for this loan?"

"Yes," Captain Li nodded, and then reminded his brother-in-law: "But Dacheng, let me explain to you, applying for a loan is one thing, and the chances of getting it approved are very high, but if you include the interest, it will take five years. In the future, it means that you have a debt of more than 400 million yuan, you have to think about this clearly."

Want to pay back more than 400 million?

Captain Li's words really shocked Wan Dacheng, and he quickly asked: "Brother-in-law, how much is the interest? Why do you have to pay more than 100 million for the interest alone?"

Captain Li really found out everything. Hearing this, he immediately said: "The annual interest rate of the current three-year loan is about 13%, and the interest rate of the five-year loan is about 5%, but we can't get this interest." , The bank’s interest rate for this project is 15% for a three-year period, and 16% for a five-year period. Based on a total loan of 18 million and three years of repayment, you can calculate it yourself after three years with interest How much do you want to pay back?"

Wan Dacheng's mathematics is good, and he immediately calculated it silently in his heart: 16% annual interest, 280 million principal, one-year interest is 44.8, three years is 134.4 million, plus 280 million principal, three The annual principal with interest is 414.4 million; if it is repaid in five years, it will be even more scary. The annual interest will be 50.4. After five years, the principal with interest will be 532 million? !

I don’t know, this calculation, Wan Dacheng is really a little scared: Even if it is calculated on a three-year period, the monthly loan repayment is 11.5.

motherfucker!

It means that as soon as I open my eyes every day, I have not done anything yet, and there is a debt of 4000 yuan waiting somewhere.

But even so, Wan Dacheng gritted his teeth and said to Captain Li: "Brother-in-law, I've made it clear. I want to apply for this loan."

"Have you made up your mind?"

Captain Li looked at his brother-in-law with admiration.

"I've made up my mind," Wan Dacheng nodded heavily: "Not to mention running routes like Beijing and Shanghai, even if it's just a route in the province, I can take 60 people in a bus, and if it is slightly overloaded, I can take 70 people. Personally, there is absolutely no problem. Even with an average attendance rate of 8% in a year, there is still a turnover of about 6000 yuan a day. After deducting loans, gas fees, road and bridge tolls, and the salaries of drivers and flight attendants, there is still some leftover. It's a little bit of a loss, don't I still have a car at home, so I will use the old car to maintain the new car for the past three years.

If the company can arrange a good route for me, the attendance rate will increase, and the daily turnover may reach about 8000, which is very good. "

Speaking of this, Wan Dacheng looked at his brother-in-law and said seriously: "Brother-in-law, I have already thought about it. This car is still a joint venture between the two of us. As for our current car, let my sister Look at it, in this case, if the situation fluctuates in the future, with the current car supporting it, we can resist for a while."

"..."

Wan Dacheng's sister didn't speak, but turned to look at her man.

Captain Li smiled in his heart: My little brother-in-law is really a smart person...

Also, if he hadn't seen the huge benefits in it, why would Captain Li call his brother-in-law over, isn't it just to have a foot in it?

But even though he thought so in his heart, Captain Li was still a little polite: "Dacheng, we are not outsiders, so I won't be polite to you. Let me ask you, do you really think about it? This business is going to be with me. Do?"

"Brother-in-law, if you say this, you will be out of touch." Wan Dacheng looked at his brother-in-law with his lips pursed, and said seriously: "We also know a lot, you don't know what kind of person I am?"

"Then..." Captain Li hesitated for a while, and finally nodded: "Okay, let's do it like this."

........................

Coming out of Captain Li's house, Wan Dacheng's wife, who had been holding back in her heart before, couldn't hold back any longer. She gritted her teeth and said in a low voice, "What on earth are you thinking? Why are you so busy with such a big matter? Has it been decided? Also, our family applied for this loan, so why should half of the business be given to my brother-in-law's family?"

"You stupid girl, are you stupid?" Wan Dacheng also whispered: "You never thought about why brother-in-law told us this news? You never thought about it, besides my sister is his wife Is there any other reason?"

"Uh...this..."

"Also, don't listen to my brother-in-law saying how the transportation company supports the private owner who bought the 'Highway Star'. No matter how much the company supports it, don't forget that my brother-in-law is the captain of the bus team... the same route, the same Passenger cars, our cars make more money than other people's cars, don't say you don't know the reason."

"Of course my brother-in-law arranged a good departure time for our car..." Speaking of this, Wan Dacheng's wife suddenly realized that she looked at her man in surprise and said in disbelief, "You mean if we don't Half of this business is given to brother-in-law, brother-in-law, he will...he will..."

"What are you thinking?" Wan Dacheng said angrily, "It's not been a day or two since you knew brother-in-law, and you still don't know what kind of person brother-in-law is?"

"Ah...Since my brother-in-law doesn't have that idea, why don't you..."

"Brother-in-law is very interesting. We can't be dissatisfied if we have such a good thing to think of us." Speaking of this, Wan Dacheng lowered his voice even more: "Let's be more straightforward. There is a good thing this time. Why did brother-in-law think of us? Isn't it that half of our current car belongs to brother-in-law? When we buy a new car, half of this new car belongs to brother-in-law. Do you think brother-in-law doesn't care about his own business?
When we are fighting for the route and the departure time, can my brother-in-law help us earn money without working hard?If my brother-in-law can help us run the route of running the magic city or the capital, it is possible to have an average daily turnover of 3000 yuan. When the time comes to remove the loan and various expenses, we can make a net profit of almost 1500 yuan a day, even if we share half of it with my brother-in-law. , That's 4, 5 a month, 54 a year, if you don't give half of it to brother-in-law, do you think we can earn so much? "

Thinking about it carefully, this is really the case. Wan Dacheng's wife was a little embarrassed: "Husband, I made things simple."

"Why don't you say you women have shallow eyelids?" After persuading his wife, Wan Dacheng immediately became proud: "Let's talk about this matter again, even if you give half of the car to your brother-in-law, it means giving half of the money you earn to your brother-in-law." , but don't forget, this is equivalent to letting your brother-in-law bear half of the loan!
And having said that, if we pretend to be stupid in this matter this time and refuse to let brother-in-law and the others get involved, brother-in-law will certainly be fine, but when you think there are any benefits in the future, such as such a good thing, brother-in-law will still Can you think of us?

This kind of thing has to come and go!Others think of us, we can't let others suffer..."

Speaking of this, Wan Dacheng became more and more proud: "So, we have to take a long-term view on many things, and don't worry too much about gains and losses in the short-term, do you understand?"

"..."

Wan Dacheng's wife heard the words and stopped talking. Only then did she realize that her man was more considerate, and she was indeed thinking more simply.

After walking a few more steps, she finally asked, "Then you want it? Do you really want to apply for this loan? This is a small 300. It would be great if you make money, but if something happens..."

"I've thought about it," Wan Dacheng nodded heavily: "Didn't my brother-in-law just say that the Huateng Group specially arranged a 'Highway Star' for those who are interested in this project to take a test drive?" , I heard that there is also a high-speed experience section, and the entire test ride time can be more than an hour.

I was thinking about this when my brother-in-law said it. If the Huateng Group can really arrange such a long experience time for us and can run at high speed, then there is nothing to say. As long as the car is fine, we will apply for a loan. "

"Then I'll go with you." Wan Dacheng's wife is naturally extra careful and prudent when it comes to whether he will be in debt of 300 million yuan or not: "By the way, didn't you buy 4 Volvos in Shanghai? Dear guest, after we have experienced Huateng's "Road Star", we will experience the Volvo in Shanghai, and we will know how the Huateng Group's "Road Star" is after comparison."

"Okay, just do it."

Wan Dacheng also thinks what his wife said makes sense: only by comparison can we know what level Huateng Group's "Highway Star" is at. If Huateng Group's "Highway Star" can really be compared with Volvo If you don't lose the wind, then there is nothing to say, it's all like this, why don't you take a gamble?
But if Huateng Group's "Highway Star" is not good, although the possibility of this is unlikely, but I can't joke about it with a loan of several million, no matter how cautious I am in this kind of thing.

(End of this chapter)