Hong Kong Island: Lending at the beginning, building a banking family

Tang Yu spoke: “Mr. Saiyida, 30 years is too long, I can’t agree, at most twenty years.” ”

Saeida frowned, although he had expected it, he still wanted to fight for it, “Mr. Tang, twenty years is a bit short. ”

Tang Yu said coldly: “Mr. Saiyida, first of all, you go and see which bank dares to give you a loan of 5 billion, if I didn’t look at the face of Xinhua News Agency, I wouldn’t have talked to you.” ”

“Twenty more years we can still discuss, thirty years? I haven’t even given Xinhua so long. ”

Saeida also knew that it was impossible, and then continued: “Mr. Tang, then you have to calculate the interest rate for us a little lower. ”

Tang Yu secretly said in his heart: “I’ll give you a little lower, then what do I earn?” ”

But he had a smile on his face, “Of course, Mr. Saida, we are friends.” ”

“But a $5 billion loan is too much, even if the interest rate is low, it is not low, otherwise the other shareholders of our bank will not agree.”

Saeida had a bad premonition, and he asked cautiously: “Mr. Tang, how much is the interest to ~ the bottom?” ”

Tang Yu’s smile became even brighter, this kind of using the system’s money to make money, it is simply cool not to want.

“Ahem, Mr. Saeida, for the sake of our friends, I will give you an annual interest rate of 18%, after all, the amount is too big.”

Saeida sat up sharply from his chair, “What did you say? 18% interest? “”

Tang Yu’s face did not change in the slightest, this is indeed a little high, but now that he can take out so much money, and there are not many banks willing to lend them, what is wrong with asking for more interest?

“Mr. Saeida, don’t get excited, you see, with your $5 billion, how much risk will our bank hold?”

“And in 20 years, if we invest 5 billion dollars, do you know how much money we are going to make?”

“So the annual interest rate of 18% is really not much, just this is still an interest rate for me to give you privately for the sake of our friends’ face, if we let the other shareholders of the bank know, my chairman will be the end.”

Saeida’s face turned red, “Mr. Tang, have you ever seen such a high interest?”

Tang Yu is not to be outdone, Mr. Saeida, have you ever seen such a large loan amount and such a long cycle? ”

Just when the two were deadlocked, Chen Shuyi came over and broke the deadlock between the two.

“Chairman, these collaterals in Pakistan are some minerals, and the value is not bad, but the valuation is only 4.5 billion US dollars.”

Tang Yu frowned, “Look at Saeida, Mr. Saeida, this is what is wrong with you, we all know that the value of the collateral must be much greater than the loan amount.” ”

“You are holding 4.5 billion minerals as collateral, isn’t it a little unreasonable?”

Saeida blushed a little, “Mr. Tang, you promise that you can mine these collaterals for free for five years first. ”

“Then these minerals will wait until we have paid off the loan, or some of the loans we want to directly use the minerals to pay off the debt.”

Tang Yu’s brows furrowed deeper, using minerals to offset some debts? So these can also be regarded as lending back funds, right?

These gold mines will also be regarded as the bank’s industry in the future, and the proceeds from the gold mines can be used to develop the bank themselves.

And he can also mine for free for five years, and he doesn’t seem to be a loss.

Most importantly, I can take advantage of this opportunity to enter the energy industry.

But he has to ask the system clearly, but don’t let the system not recognize it at that time, then pit himself to death.

Tang Yu began to call the system in his mind, “The system is coming out soon, if Pakistan uses minerals to settle debts, is it considered repayment?” Is it counted as the funds returned? ”

(Ding!) The host, as long as it is repaid with something of reasonable value, and the host also approves, it is counted as a return of funds, and the host can be used to develop the bank with confidence! ）

Tang Yu breathed a sigh of relief, but he couldn’t agree so quickly, Tang Yu pretended to hesitate.

Saeida saw all this in his eyes, he gritted his teeth and said: “Mr. Tang, seven years, let you mine for free for seven years at most, no more.” ”

Tang Yu was overjoyed, but he didn’t expect that he would earn two years of free mining rights with such hesitation.

He said in a deep voice: “Well, who makes us friends?” Then that’s it. ”

Saeida opened his mouth and said: “Mr. Tang, let’s talk about interest, 18% annual interest rate is too much, we can’t agree, if we sign the contract, after I go, I estimate that I will be killed by our people.” (Read violent novels, go on Feilu Fiction Network!) ）

Tang Yu did not back down in the slightest, “Mr. Saeida, this is 5 billion US dollars, go and see which bank has it?” Even if you have money, do people dare to lend it to you? ”

Tang Yu is now in the seller’s market, and he doesn’t worry about not signing the contract at all.

The two sides exchanged words and swords again, but Tang Yu did not back down in the slightest.

Sure enough, Saeida finally said helplessly: “Okay, Mr. Tang, if you win, then do as you say.” ”

0 ask for flowers

Tang Yu laughed, “Mr. Saeida, then let’s prepare to sign the contract.” “”

Saying that, he took out the system contract, and he wrote some conditions on it, such as free mining of minerals for seven years, as well as the annual interest rate, the repayment period, and the amount of annual repayment.

After filling in all these treaties, Tang Yu handed them to Saeida, who handed it to a person next to him, who looked at it seriously.

Tang Yu guessed that this person was probably a lawyer.

This one looked very carefully, but there was nothing to hang, Tang Yu’s treaty was simple and clear, because there were restrictions on the system contract, so he was not afraid of others playing tricks at all, and he would not set up contract traps.

Half a day later, the man handed the contract to Saeida, who signed his name before taking out a seal and stamping it on his name.

At this time, Tang Yu’s last feeling came again, and the system contract appeared in his mind, but it disappeared again in an instant.

Tang Yu laughed, he became more and more like a ruthless capitalist, small loans with low interest rates to seize the market, large loans with monopoly positions to ruthlessly dominate the country.

You know, this is 1978, which bank dares to lend $5 billion? If it weren’t for Tang Yu’s system contract, he wouldn’t have dared.

Tang Yu took a contract, then stretched out his right hand and said to Saeida: “Mr. Saeida, happy cooperation!” ”

The two shook hands, and Saeida also showed a smile on his face, although the process was a little tortuous, but finally completed the task, he also smiled and said: “Mr. Tang, happy cooperation!” ”

“Mr. Saeida, go to our bank and open an account, and then I will call the money within a week, after all, it still takes time for us to raise funds.”

Sai Yi nodded and said, “Okay, Mr. Tang, then it’s troublesome for you.” ”

Tang Yu said to Chen Shuyi next to him: “Take a few guests to our bank to open an account.” ”

“Yes, Chairman,” Chen Shuyi led Sayida and a few people down.

Tang Yu used the system to withdraw 5 billion US dollars from the loan line, and then put it in his account, ready to wait a few days to send money to Pakistan.

Soon, the formalities were completed, and Saeida and the others also left.

Originally, Tang Yu also wanted to keep a few people for a meal, after all, she looked at the face of Xinhua News Agency, and she couldn’t help but entertain her.

But several of Sayida refused, and directly took a special plane back to China.