Cash back on purchases

Coming out of the county capital, Chu Chaofan asked Xiao Lingjun to go back first, and he found a local industrial and commercial bank.

Why look for ICBC, because Chu Chaofan does not have 50 million cash in his hand, only 7 million, but he still has a house worth 12 million yuan in his hand.

This house is 12 million, and at the interest rate of 70% that the bank mortgage can borrow, it can lend 8 million in cash.

Seven million plus eight million, plus you can borrow some money from your relatives.

It’s not that Chu Chaofan can’t take out 50 million, but he just feels that he can’t make those leaders in the county feel that they are very happy to raise money, otherwise maybe some people will think in their hearts.

If he mortgaged his real estate and borrowed money from relatives to make up 50 million, then the leader would know that he did not have that much money, and he would not harm himself and beat his own ideas.

So he took the real estate certificate and came to the Industrial and Commercial Bank.

“Hello, I want to mortgage the property.” Chu Chaofan came directly to the credit department.

The credit section has several staff members, but they are not all in the office, and most of the time they go to various factories in the prefecture to inspect various loan application projects.

The commissioner of the credit department saw Chu Chaofan and did not care, everyone who has a little money in this year will carry hundreds of thousands of millions of loans. “Well, please show me the title deed and ID card.”

“Okay.” Chu Chaofan took out the real estate certificates of the 36 houses and his ID card.

So many title deeds made the credit officer stunned, and then returned to normal. “You didn’t mortgage this house privately, did you?”

“No, the interest rate of private mortgage is too high, and there are risks, we dare not do it!” Chu Chaofan knew what he was talking about.

Some people, when thinking about running away, divide their house into several mortgages.

First take the house to the black society to make a usury mortgage, and then take the real estate certificate to the bank to make a mortgage.

In this way, a house can bring out two parts of money, which is obviously the kind of person who does not want to pay it back and runs away with the money.

But Chu Chaofan is obviously not this kind of person.

The credit officer took Chu Chaofan’s real estate deed to inquire about various information, and then submitted the application to him. “Your house has been valued. The average house is worth $300,000. According to the mortgage ratio of our bank, we will give you a loan of up to eight million. ”

“No problem, I’m just using the loan to do a short-term turnaround, and I’ll pay the money back soon.” Chu Chaofan did not lie.

In addition to the house, he also plans to mortgage the car.

The two mortgages made by the Audi car in the city have been paid off.

Today’s Audi cars can also be mortgaged twice at any time.

The credit officer does not care how long he takes, as long as he takes the money out, he can be regarded as having a performance.

After applying, it takes a while, after all, the bank is not a private loan company, as long as you think that there is nothing wrong with your thing, you can give money at that time.

Fortunately, Chu Chaofan did not miss this time, so he left the bank and returned to the company to wait.

Then, he mortgaged the Audi car in the county mortgage company for three million cars, and mortgaged 2 million yuan in cash twice.

But this time was not enough, so Chu Chaofan returned to his hometown and asked his second uncle and others to borrow money. “Second uncle, old uncle, if you have spare money, you can hand it over to me, I have a good project investment recently and can definitely make money.”

“What kind of project can also take us?” The second uncle and the others would not suspect that he had harmed his own people, after all, the people gave each brother and sister 500,000 yuan.

In addition, it also invested 10 million to establish a Chu family education fund.

Chu Chaofan said that he wanted to invest in the county rural commercial bank. “I know a leader in the county who is Zhou Xianling, who recently wants to reform the credit union into a rural commercial bank and offer foreign shares.”

“I’ve already connected and got 50 million investments.

However, my money is used to invest in real estate and companies, and now I have more than 40 million in cash.

We have so many relatives in our family, and I am ready to scrape together 10 million from our family.”

“Are you reliable? That Zhou County Order is true or false. The old man was a little worried.

He had never seen a million in his life, and when his nephew returned home after he became rich, he gave 500,000 yuan to each of his two children.

To be honest, he should have invested his money in Chu Chaofan without reservation.

But everyone has a selfish heart, especially the old man’s family is poor, and he wants to take advantage of everything.

If you ask him to pay, it’s a little embarrassing.

And the second uncle was very relieved about Chu Chaofan, after all, the young man broke out, not just by inheriting the family business.

If it is to inherit the family business, then Chu Chaofan’s skills inherit the ten acres of land of his father Chu Jianguo. What else is there to inherit the old house of the family?

In the eyes of the second uncle, Chu Chaofan’s current realm and social status surpassed that of himself and others, so what reason did he have not to believe him? “Chao Fan, after you came back, you gave you Brother Yangyang 500,000 and Sister Hong Yan 500,000.

However, the factory spent a lot of money on machinery and equipment and production materials.

Now if I were to scrape together money for you, I could scrape together up to 500,000 for you. ”

“It’s okay, we have so many relatives, one family can take 500,000, and a family can take 200,000 is enough.” Chu Chaofan believes that his reputation among relatives can still borrow 200,000 yuan.

And it is not a long-term loan, the borrowing time is a month, and it will give them some interest. “Second uncle, I borrowed money to invest in the bank, and then borrow from the bank to you.

When the production on our side goes smoothly, I will repay the bank loan.

This month, I give you a tenth of the interest. ”

“Okay, anyway, this money is useless at home except to build a house and buy a car, and I will also take 500,000.” When the old man heard this, he hesitated and agreed.

The old uncle and the second uncle alone took out a million, you must know that there are too many relatives of Chu Chaofan.

And this time borrowing money can also be regarded as a test for relatives, after all, they can’t pay for anything themselves, and they sit back and enjoy it.

Under the borrowing of money from Chu Chaofan and his father Chu Jianguo, the 10 million cash was made in less than two days.

Sometimes that’s the case, the poor can’t borrow money from the rich, and everyone can’t wait to sell the house to invest in him.

Because in everyone’s opinion, Chu Chaofan is so rich, the reason why he borrowed money is only a short-term turnover.

Everyone also knows that he also built a villa in the village and bought a building in the city.

At the beginning, everyone’s money was also given to everyone for free, even if it was lost, that is, the two did not owe 1.

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immediately preemptive(Event Period: June 22 to June 24)