Winners in life: starting from the street writer

Chapter 112 Take the opportunity to retaliate
When it was almost time for lunch break, Kong Xin came to look for him.

Shen Hao took Kong Xin and walked around the downstairs, "If you are responsible for investing in this business and the office space, one floor should be enough, right?"

"It's enough. Like many investment companies, even the team size does not exceed 20 people. One floor is a bit extravagant."

Kong Xin has no objection to coming to help Shen Hao, even now she is a little confused.

Why all of a sudden, Shen Hao bought an office building with full payment!

What is the concept?
Originally, she had always thought that Shen Hao's start-up funds depended on Qin Manwen.

But looking at it now, Shen Hao himself is a hidden boss!
Seeing that Kong Xin agreed, Shen Hao immediately felt relieved, "By the way, you can help me operate it. I want to use Yuanmeng Building as collateral to borrow 10 billion from the bank. It's not a big problem, is it?"

Kong Xin nodded, "A high-quality property like Yuanmeng Building with clear property rights can at least give 50% of the quota, and 10 billion should not be a big problem.

It's just that there are fewer banks that dare to mortgage office buildings, but we can still contact trust institutions, and there will always be people who are interested. "

"That's good."

Shen Hao nodded, "How much is the interest rate?"

Kong Xin knew something about this, and immediately replied: "Generally speaking, trust institutions are more likely to accept our loan model with office buildings as collateral, but they usually provide a 2-year term with an interest rate of 8%. about."

"Year 2?"

Shen Hao frowned slightly: "Can you wait a little longer?"

Kong Xin nodded, "As far as I know, some foreign banks and trust institutions are a little more relaxed in this regard, and can provide loans with a maximum term of 5 years, but their interest rates are much higher, about 9 ~10%, payable quarterly."

"10%?"

Shen Hao calculated in his mind that if he could lend 10 billion yuan, the annual interest payment would be [-] million yuan.

For ordinary companies, not to mention whether they are eligible to lend 10 billion yuan, the interest alone is enough to overwhelm them.

Shen Hao doesn't care about interest, but the start-up capital still needs to rely on these consortiums.

"Okay, you can help me negotiate to see if there is anyone who can accept a 5-year loan. In terms of interest rate, my bottom line is 10%."

Kong Xin was a little worried, but seeing Shen Hao's firm expression, he stopped trying to persuade him, "Okay, then I'll contact you right away."

"Thanks a lot."

After talking about the business, there was no one on the whole floor. Shen Hao hugged Kong Xin's slender waist and maintained a good figure through long-term exercise. It felt really good.

"Be careful of being seen."

Kong Xin gave Shen Hao a blank look, and angrily knocked off his dishonest hand.

Shen Hao didn't tease Kong Xin anymore, and said with a smile: "By the way, if you invest in a company, it's called Yuanmeng Venture Capital. Our positioning is similar to that of Blue Pool. Try to invest in some start-up companies. I'll give you [-] million startup capital." , take it to practice your hands first."

"One hundred million is enough."

Kong Xin nodded, confidently said: "Don't worry, I will be careful before making a move."

Shen Hao said in relief: "That's not necessary, [-] million is only a bit too much for us now. When the group grows bigger, even if there are billions in loans, most of them are willing to lend to us by the consortium."

For giant companies like Ali and Penguin, when did they acquire a company without using money from those consortiums?
As a result, the family grew bigger and bigger, and the market value rose.

Perhaps, Shen Hao still can't compare with those two giants.

But as long as he is given time, even Penguin and Ari will crawl under his feet.

……

Kong Xin naturally supported Shen Hao's career, and contacted various consortiums, banks, and trust institutions for Shen Hao.

It's a pity that most banks, when they heard about a billion yuan loan, immediately murmured in their hearts.

After all, Yuanmeng Literature is not a well-known Internet company.

Even though Kong Xin was talking about the hype, the high-level executives of the bank were just laughing, and they were not interested in talking about it in detail.

As for trust institutions, they are willing to try to cooperate, but generally they only accept loans with a term of three years at most.

A 5-year loan is too risky.

Kong Xin never gave up, and used her contacts to make a lot of phone calls.

Finally, a Mizuho Industrial Bank from an island country contacted Kong Xin, expressing their hope to have a cooperation negotiation with them.

Kong Xin, who got the news, notified Shen Hao immediately.

It just so happened that the Huaxia headquarters of this island country bank is in Shanghai, and they were only an hour away.

And when they arrived at this bank, to Shen Hao's surprise, it was Okamura Shuki, the chairman of Huaxia Company of this bank who greeted them in person.

After the simple politeness, Shen Hao also prepared detailed materials, and Mizuho Bank also had a dedicated team to carefully review them.

After ensuring that the property rights are clear, the value of Yuanmeng Building is estimated based on market conditions, and a price of no less than 16 billion is obtained.

But this is the problem. Many trust institutions and even banks are both greedy and afraid of mortgages for office buildings. You must know that large transactions are rare.

If they really want to repay the loan, they will not be able to do it in a short time if they want to sell it.

For Mizuho Bank, the first quotation was to provide a loan of 8 million yuan, with a five-year interest rate of 5%.

Kong Xin replaced Shen Hao, and hoped that the other party would provide a loan of 10 billion yuan, with a 5-year interest rate of 9.4%.

And at this time, Shen Hao was talking happily with Okamura Shu.

Business belongs to business, and it is enough to have professionals handle it.

Almost an hour passed, and the two sides were still fighting with each other.

It was also the first time for Shen Hao to see Kong Xin on the negotiating field, and he was amazed by that sharp-edged aura that overwhelmed his opponent.

"Mr. Okamura, I hope that your bank can provide a loan of 10 billion yuan. In terms of interest rate, I can give 10%. If financing is needed in the future, I will give priority to cooperating with you."

Shen Hao didn't want to waste any more time, after all, it was he and Okamura who made the final decision.

"President Shen's courage, I admire very much, just follow what you said!"

Okamura didn't care about lending an extra [-] million yuan. Although Mizuho Bank is a foreign bank, the backer behind it is Mizuho Financial Group with a market value of more than one trillion U.S. dollars.

Regarding China's capital market, Okamura admires the two investors of Blue Pool Venture Capital.

After hearing that Zhu Tianyu decided to invest in Dream Realization Literature alone, Okamura Shu kept Shen Hao's name in his heart.

Unexpectedly, in just a few days, the other party began to seek a billion-level loan.

For other banks, perhaps an office building will cause them some headaches.

But for Mizuho Bank, which is backed by the parent company, one billion is nothing.

Previously, the loans they provided to Ali and Penguin were all denominated in US dollars.

The loan was finalized, and the accompanying lawyer also confirmed that there was no problem with the contract provided by the other party.

Shen Hao signed the signature readily, shook hands with Okamura and took a group photo as a souvenir.

As for Okamura Shu's invitation to dinner, Shen Hao didn't refuse either.

After the dinner was over, Shen Hao was also a little tired, so he and Kong Xin returned to the hotel where they were staying.

But as soon as he arrived at the hotel, Kong Xin saw a man approaching with his arms around a beautiful young woman, and his expression froze slightly.

The man on the opposite side also shrank his pupils, as if he didn't expect to meet his seemingly incompatible wife in such a place.

"Tsk, not bad, it seems that Kong Xin, your taste has improved a lot."

Meng Chao originally thought that Kong Xin was just busy with work, and he didn't take it seriously even when he disappeared for the past few days, continuing with his debauchery.

But who would have thought that he just came here out of interest and ran to the hotel to get a second room, and happened to meet Kong Xin who was helping Shen Hao back to the hotel.

Even though Meng Chao was already impatient with Kong Xin, seeing his wife helping another man in name, even a man couldn't accept it.

"Who is this?"

Shen Hao was just a little drunk, but with his excellent physique, he was very clear-headed and looked at Kong Xin.

"He's Meng Chao."

Kong Xin just said a name, and Shen Hao understood everything.

Oh~ my ex-husband.

No, you can't call her ex-husband yet.

"Hello, my name is Shen Hao."

Shen Hao stretched out his hand and looked at Meng Chao.

There is one thing to say, this Meng Chao is really good-looking, he looks like a dog, he is a handsome white guy, and he is also a rich second generation from a wealthy family, no wonder Kong Xin would marry him back then.

I don't know if it was an illusion, but Shen Hao always felt that Meng Chao's eyes were too cloudy, which made people more disgusted.

Meng Chao didn't intend to shake hands at all, but looked straight at Kong Xin, "Anyway, this is Magic City, you don't want my friends to laugh at me, do you?"

"Don't you just want a son?"

Kong Xin didn't have any feelings for Meng Chao now, and it didn't matter whether he would tear up his face or not, "Anyway, you can't do it, why can't you ask others to help you?"

"Fuck, bitch!"

Meng Chao had a bad temper to begin with, and he had caused troubles for the family since he was a child. When he saw Kong Xin mocking him like this, he couldn't help being angry and slapped him straight away.

If this hit, Kong Xin's face would be 100% swollen.

But the problem is that with Shen Hao at the side, will he watch Kong Xin being beaten?

"A man who hits a woman is too incompetent. Why, let me practice with you?"

Shen Hao easily grabbed Meng Chao's wrist, making it impossible for him to hit it like a pair of pliers.

Looking at the bodies of the two of them, although he is 1.8 meters tall, he is as thin as a bamboo pole, and his body is weak, so he can't compare to the strong Shen Hao.

What's more, this is at the entrance of Waldorf Astoria, maybe there will be a big disturbance, and it will be seen by acquaintances around.

At that time, not only will his face be dull, but even his family property will be divided less than that of his two elder brothers.

Before Meng Chao left, he gave the two of them a hard look, and left cursing, forgetting even the woman next to him.

"It's just like that, you should divorce him."

Shen Hao curled his lips, he really looked down on a rich second generation who was hollowed out by wine and lust, who was eating and waiting to die.

"Anyway, he's also my husband. Is that too much for you?"

Kong Xin rolled her eyes at Shen Hao, but her heart wasn't too disturbed, just like meeting an acquaintance by chance.

But when he got to the room, Shen Hao obviously noticed something was wrong.

This woman is clearly taking the opportunity to take revenge. You and your ex-husband are angry, what are you throwing at me?

(End of this chapter)