My rebirth is different

Chapter 139 On the brink of desperation
The amount of this transaction is too huge, and the loan amount is also very high. The credit department of Hang Seng Bank pays more attention to it. The senior manager of the credit department personally leads the team and organizes a special team to take this order.

In the Hang Seng Bank headquarters building, in the VIP room of major customers, Manager Luo of the Credit Department and several subordinates received Yu Wenfei, Zhou Mengyi, and Ah Shui.

There is no need for Ah Shui to introduce again. Manager Luo has already obtained the relevant information.

What needs to be determined now is the issue of the loan amount and related procedures.

"Mr. Yu Wenfei, how much do you intend to borrow? In addition, Xiangjiang's financial system is relatively strict, and the procedures may be more complicated. You must be mentally prepared."

In his early thirties, in a neat suit and wearing a pair of gold-rimmed glasses, Manager Luo said with a smile on his face.

Negotiation with the bank is the focus of Yu Wenfei's visit this time, because whether he can get enough loans is the key to whether this deal can be concluded.

At the moment, he also became serious.

"Manager Luo, the amount I need for this loan may be a bit high."

Manager Luo smiled, this is normal, it is possible to borrow [-], [-] or even [-] million for a shop worth [-] billion Hong Kong dollars.

"It's okay, just say it straight, and then we'll see how much we need to borrow."

He said politely, he didn't neglect Yu Wenfei just because he was young.

Regardless of whether Yu Wenfei is the real "golden master" or not, or the second generation of a certain family in the Mainland, who came here on behalf of the family, he does not want to offend, and there is no need to offend.

Yu Wenfei frowned slightly, and said frankly: "I only have a total of 500 million yuan in my hand now, and I need a loan for the short amount."

Manager Luo was stunned. After he understood Yu Wenfei's words, he almost didn't jump up.

However, the high enough self-cultivation allowed him to control his emotions, but the smile on his face faded a bit.

"Mr. Yu Wenfei, you are not joking!"

Manager Luo slightly accentuated his tone.

Yu Wenfei spread his hands and smiled, "Although I don't have enough funds at hand, please believe me, Manager Luo, that I have enough ability to repay the loan. Now I am meeting you because I want a professional like you to help me Make a reasonable and feasible loan plan. That is, what conditions are needed to make this deal when I only have so much money on hand!"

Seeing that Yu Wenfei was not in a hurry and didn't seem to be joking, Manager Luo also calmed down.

"Mr. Yu Wenfei, could you please introduce your situation in detail, especially in terms of assets. If you have enough assets and stable and sufficient income, you can support this loan, but if you don't have that much cash in hand , it’s not impossible to talk about it.”

That is to say, in Xiangjiang, a place with a highly developed financial industry, all commercial banks, as long as the risks are controllable and the profits are sufficient, there is nothing that cannot be discussed.

If he was in China, Yu Wenfei would never go to the bank to talk, because he knew that it would be impossible to get a loan!
"I don't have any business in China. Oh, I had a stake in a company a few days ago, but I've sold it. Actually, I'm a writer..."

Following Yu Wenfei's words, Manager Luo's mouth opened wider and wider, and Ah Shui, the real estate agent next to him, almost dropped his jaw.

They always thought that Yu Wenfei was the second generation of a certain big family, who came to buy property on behalf of the family.

After a long time, it turns out that this is not the rich second generation, but the rich generation!

But it's too outrageous.

A 16-year-old high school student earned more than 2000 million by writing books?
Moreover, earning so much money is not enough, and I want to buy a shop worth one billion with this more than 2000 million!

Are all young people in the Mainland so outstanding?

Manager Luo quickly weighed in his mind, if what the young man in front of him said was true, then it is not impossible.

The first book earned more than 2000 million yuan just half a year after it was released. According to him, the second book will be published soon.

According to this trend, the sales volume of the second book should not be bad. Coupled with the steady stream of follow-up royalties from the first book, the annual income is still quite considerable.

After the narration, Yu Wenfei showed his ID card, the publishing agency contract he had signed with the Commercial Printing House, and of course his bank deposit certificate.

After seeking Yu Wenfei's consent, Manager Luo verified the authenticity of the relevant information and made a copy.

"Mr. Yu Wenfei, please understand that this matter has exceeded my scope of authority. I need to report to my superiors. In addition, I need the risk control department to conduct relevant investigations and give opinions. Therefore, I can only talk about this today. Of course, I will urge the relevant departments to hurry up."

Yu Wenfei expressed his understanding, and took Zhou Mengyi back to the hotel.

As soon as she left the gate of the office building, Zhou Mengyi asked worriedly: "Is this reliable? I feel that the bank is very cautious in doing things, and it may not be..."

"No, I understand these commercial banks, as long as it is profitable, they will not give up!"

Yu Wenfei said confidently.

This is the difference between commercial banks and state-owned banks.

Although both pay attention to risk control, there are special circumstances that allow them to temporarily put down risk control.

For state-owned banks, power allows them to ignore any risks.

For commercial banks, large enough profits can also allow them to put risk control in the second place.

Yu Wenfei has no power, but he can give enough temptations and profits.

……

Hang Seng Bank's work efficiency is really high. It only took one day for their risk control department to investigate Yu Wenfei's details and give out an evaluation report.

In the report, the risk control department expressed optimistically but cautiously, given Yu Wenfei's current status in the domestic literary world, especially in the hearts of boys and girls.

After the publication of his second book, the sales volume of his first book will not be lower than that of the first one.

In other words, in the next year, Yu Wenfei expects to have an income of 3000 million to 5000 million.

This includes royalties for new books and subsequent royalties for old books.

But even so, the risk of this loan is still huge, because it means that Yu Wenfei can only take out a maximum of 8000 million, or at least 5000 million as a down payment, and the bank needs a loan of more than [-] million!
In view of the current market situation in Xiangjiang, even if the price of the store remains strong, the market value of this store will probably not rise in the next year, and may even drop by at most about [-]%.

In this way, once Yu Wenfei fails to repay the loan, the bank will take back the store, and it will still be insolvent!
The final conclusion is that this business is not recommended...

If the bank doesn't lend money, then Yu Wenfei's plan to buy a store can only be given up, because he has no other way to raise so much money.

The situation is critical, on the verge of extinction!

(End of this chapter)