My rebirth is different

Chapter 141 Multi-Win Plan (Seeking Subscription, Asking For Monthly Pass)

Back at the hotel, Yu Wenfei called the real estate agent Ah Shui and asked him to meet Uncle Li and go to the headquarters of Hang Seng Bank in the afternoon to finalize the loan.

Ah Shui asked in surprise on the phone: "Has the loan been released?"

Yu Wenfei said calmly, "It can be released in the afternoon."

What he said can't be considered a lie, because Yu Wenfei is very sure that he can convince the owner and the bank to accept his plan in the afternoon!

Uncle Li was also very happy to receive Ah Shui's call to announce the good news.

Finally, the shop was sold at a satisfactory price.

One billion is enough to solve all the problems of my company.

…………

In the afternoon, it was still the VIP room of Hang Seng Bank.

Manager Luo brought his subordinates, Uncle Li, Ah Shui, Yu Wenfei, and Zhou Mengyi together.

"Manager Luo, when will the money come down? Is it urgent for my company?"

As soon as we met, Uncle Li asked impatiently.

Manager Luo was taken aback, "What money? The loan hasn't been approved yet!"

Uncle Li was dumbfounded at once. What's the situation? Why did you ask yourself to come if the loan was not approved?

He looked at Yu Wenfei angrily.

But Yu Wenfei sat there calmly, and said with a smile: "I have a plan now, let's see how it goes. If possible, let's finalize the deal today."

Hearing that Yu Wenfei was going to talk about his plan, everyone fell silent.

"First of all, everyone here wants to conclude this deal smoothly, right?"

The parties involved all want to reach a deal, which is the premise.

Without this premise, there is no need to mention the following plan.

Yu Wenfei looked around with a smile.

Real estate agent Ah Shui nodded desperately, Uncle Li nodded heavily, and Manager Luo also nodded slightly.

Obviously, it's in everyone's interest that a deal can be done.

Ah Shui can get a lot of commission.

And Uncle Li successfully got a huge sum of money to save his family's company.

It is not a small achievement for Manager Luo to complete a large business.

Of course, everyone hopes that the transaction can be successfully concluded.

"Since everyone wants to make this deal, everyone should show a little sincerity. I will pay 2000 million now, and I will put this money in the bank as a deposit. This is my sincerity."

Saying that, Yu Wenfei raised a finger.

"Uncle Li, temporarily deposit the certificate of ownership of the store to the bank. In addition, if you contact the prospective tenant, you can notify them to come and sign the contract. What is the rent?"

Yu Wenfei raised his second finger.

"The other party quoted 150 million yuan per month. This price is not high, and it should be able to negotiate more than 180 million yuan." Uncle Li replied.

"Promise them! But the lease period can't be too long, at most three years. The rent is required to be paid annually, which is 800 million Hong Kong dollars a year. The money, plus the lease contract, will also be handed over to the bank. In addition to my 2000 million, that's 800 million."

"As for Manager Luo, the repayment method of my loan must be interest first and principal later! But let's sign a tripartite contract first, and the contract can state that your bank will lend 800 million yuan to Uncle Li first. I will make up the loan later. After the [-] million down payment is made, the remaining [-] million loan and my [-] million will be considered as a formal loan. With [-] million cash and the store property certificate as collateral, it should be enough to apply for a [-] million loan first. .”

Yu Wenfei raised his third finger.

Manager Luo nodded again and again. There must be no problem. With so many mortgages, it can be said that there is no risk in lending [-] million yuan.

As for the repayment method Yu Wenfei mentioned, as long as the collateral is sufficient, there is no problem.

Hearing this, only Uncle Li was not happy, "I only got [-] million, why should I hand over the property rights certificate?"

"Don't panic, it will be for one year. I will make up the [-] million down payment! Listen clearly, it is a year at most, maybe I can raise enough money in two or three months. At that time, the final payment of five I will pay you [-] million immediately, can Uncle Li wait? Of course, I will make up the [-] million interest for you."

Turning his head to look at Uncle Li, Uncle Li frowned and thought for a while, and he could get [-] million immediately, which could also solve the urgent need.

Then wait a maximum of one year, and all the final payment will be in hand. This is no problem, so I nodded to express my approval.

"What if you can't afford 200 million within a year? No, it's more than 6000 million, plus the interest that should be repaid on the initial loan of 7000 million, it's more than [-] million!"

Manager Luo asked.

"If I can't get the money out, then I will return the certificate of ownership of the shop that is pledged in the bank to Uncle Li. The rent of the shop is 800 million, of course it belongs to Uncle Li. The loan and interest of [-] million will be borne by Uncle Li. He will return the original amount. It’s fine, it’s fine to count it as your own loan, that’s a matter between you two.”

"My 2000 million deposit, you both share equally!"

The last sentence, Yu Wenfei said with emphasis.

Uncle Li and Manager Luo looked at each other, neither of them expected that Yu Wenfei would come up with such a plan.

This plan is a bit complicated, the two fell silent for a while, and began to think in their hearts whether they could accept it or not.

……

For Uncle Li, if Yu Wenfei's fundraising goes well, he will get [-] million first, and the remaining [-] million will be received in a year at most, and he will get an additional interest, which is not a loss.

But if you think about it carefully, it seems that you didn't make much money.

I can only say that I can accept it.

However, in the current market, the shop can still be sold for a billion, which is a profit in itself!

If Yu Wenfei's fundraising fails, he will waste at most one year.

He got a loan of [-] million yuan first, and he was able to deal with the company's difficulties.

The store was not empty either, and it was also rented out. In addition to the rent, he also received Yu Wenfei's 1000 million compensation, and he had no loss.

After all, the store has been listed for several months, and Yu Wenfei is the only one who is really interested and can accept an offer of one billion yuan.

After thinking about it, Uncle Li nodded happily and said, "I have no problem, I can accept this proposal!"

……

As for Manager Luo, first of all, the loan of [-] million yuan is acceptable without any risk.

Within a year, if Yu Wenfei raises enough money, it will prove his strength.

Then lending another [-] million yuan is still not too risky and acceptable.

If Yu Wenfei can't raise money, in addition to the store owner taking on the loan, the bank can also get a 1000 million deposit for nothing, a profit!

From the point of view of his credit manager, this loan can be done!

But Manager Luo was more cautious and did not agree to it outright.

Instead, he said, "Well, everyone, wait for a while, and I will immediately hold an emergency meeting with the risk control department to discuss Mr. Yu Wenfei's new plan."

Yu Wenfei nodded, indicating that he could wait for a while.

Manager Luo got up and left in a hurry, and several people in the room chatted casually.

"Awesome! When I was your age, I was still doing odd jobs on the construction site! You are going to buy a billion-dollar property."

Looking at Yu Wenfei, Uncle Li gave a thumbs up and praised sincerely.

Yu Wenfei shook his head and smiled wryly, "Uncle Li, the [-] million down payment made me feel like this, and I have a headache for some of the later repayments."

"Haha, since you dare to buy it, you must have confidence in your heart."

Yu Wenfei did not deny this, although he was young, he was obviously not a stunned young man.

Now that he took over the shop, he had already considered the subsequent repayment.

With so many difficulties, why must we win this shop?
Others don't understand, but Yu Wenfei's own thinking is very clear.

How much can you do with 2000 million cash?

Of course, there was a lot of money, but in Yu Wenfei's eyes, it was still a small matter.

If his plan goes well, this money will provide him with a big enough stage!
On this big stage, he can show his talents!

Others only saw that he was working hard to buy a shop, and the price was still a bit high.

Maybe behind his back, he was laughing at him for being taken advantage of.

How can a sparrow know the ambition of a swan!

What he is thinking now, others do not understand...

…………

About three or ten minutes later, Manager Luo opened the door and walked in.

"Our risk control department came up with the final opinion and agreed to the plan in principle, but made slight adjustments. Take a look, this is the final condition of the loan and cannot be changed!"

He emphasized, and then pushed a document in front of Yu Wenfei.

Yu Wenfei picked up the document and just glanced at it before frowning.

This requires...

It's a bit harsh.

(End of this chapter)