I Am a Big Winner in Life

Chapter 609

How could the bank suffer?

In every major banking system, whether it is a financial expert, an actuary, or an official economic analyst, etc., are all furnishings?

Every banking policy has undergone countless simulation calculations and analyses. Do you still want the bank to suffer?

Of course, AXA Construction does not suffer!

In fact, the Industrial and Commercial Bank of China gave AXA very favorable terms. The loan interest rate is lower than the fixed deposit rate. This is exactly the lure of Chiguoguo. It will put out the extremely favorable terms and wait for AXA to agree.

Anliang looked at the second plan.

The loan period of the second plan is still six years, and the annual interest rate of the loan has risen to 3%, but the AXA Construction Company is allowed to repay the loan in advance, and the interest is calculated according to the repayment date to the ‘day’.

If the annual interest is %, calculated based on the six-year loan period, the total interest scale is 15%. If the total loan amount is 2 billion, then 300 million interest will be generated.

In six years, AXA Construction Co., Ltd. will obtain a profit of approximately 1 billion yuan from the West Side Development Plan, and the Gongshang Bank will share the profit of 300 million yuan.

If according to the second plan, although the annual interest rate of loans has risen, but if the development of AXA Construction Company is stable and the settlement of the West Side Development Plan is on time, then AXA Construction Company may not need the Commercial Bank in the fourth year. Loan-support.

The second option is a gamble-rhythm!

If everything goes well in the fourth year and AXA Construction Company repays the loan early, the total interest may be controlled between 9% and 12%, thereby reducing the amount of interest expenditure.

However, in case the settlement of the West Side Development Plan is delayed, even if it is only delayed for half a year, it may make the actual expenditure of AXA Construction Company higher.

However, in the second plan, the Gongshang Bank has stipulated that if AXA Construction Company repays the loan early, then AXA Construction Company will continue to use the credit certificate of the Gongshang Bank within the six-year loan period to facilitate mutual consultation. The bank wins over other related customers.(Read more @ wuxiax.com)

Anliang looked at the two programs again, and both programs have their own advantages.

The first plan is stable and the preferential conditions are excellent!

The second option has room for operation. If the development speed of AXA Construction Company is fast enough, it can pay as little as possible the interest of Gongshang Bank.

After all, interest is really not low!

“Auntie, which one do you recommend more about the two options?” Anliang asked.

Liu Ling responded, “In fact, both programs are very good. I can assure you that any other bank will have the same degree of discount.”

“As for which one to choose, you should consider your own situation based on your AXA situation. If you want to take on a lower risk, I recommend the first plan. It is a stable plan. After six years, the West Side Development Plan will inevitably eliminate most of the risks. All the funds are allocated and sent.” Liu Ling analyzed.

“The second plan can reduce the loan interest payment. If the funding of the West Side Development Plan is slow, external funds are needed to supplement the development of AXA.” Liu Ling reminded.

The West Side Development Plan is the official development plan of Shengqing. Although it will definitely give money, the specific funding time may really be delayed for half a year, which will cause huge pressure on the capital chain of AXA Construction.

After Liu Ling’s analysis, Anliang did not make a decision either. This kind of matter must be discussed with An Shengyu, and An Shengyu will finally make a final decision.

AXA is now in charge of AXA Construction!

“Okay, Auntie, I remember, I will feed this information back to my dad tomorrow.” Anliang explained that he did not make any promises.

At this time, a variety of neon-style skewers were delivered, and Anliang and Liu Ling entered the topic of supper.

“Drink?” Anliang opened the sake.

Liu Ling did not refuse.

Anliang poured a glass of sake for Liu Ling, and then also poured himself a glass. The two clinked and drank, each drinking half a glass.

“Try their palm treasures. The neon style is completely different from our Shengqing style. Our side emphasizes spicy taste, and the outer focus is tender on the inside, but the neon style emphasizes freshness, and the overall taste is slightly sweet.” Anliang introduced.

…. … …

Liu Ling tasted the neon-style palm skewers, which is indeed different from the spicy style of Shengqing. The neon-style slightly sweet and savoury mixed style is also quite good.

The two of them were eating while chatting about AXA-related suppliers, most of which were introduced by Liu Ling.

It turned out that the Gongshang Bank has almost investigated the related supporting suppliers of AXA Construction, whether it is a river sand supplier, a cement supplier, or a steel supplier, or even a small supplier of labor protection supplies. , All have been investigated clearly by the Gongshang Bank.

That’s why the Gongshang Bank made such favorable conditions, right?

According to the two plans provided by Liu Ling, Anliang feels that this time the loan from AXA Construction should go to the Gongshang Bank. As for whether it is Option 1 or Option 2, Anliang knows it too!

Near one o’clock in the morning, the third bottle of sake was drunk by Anliang and Liu Ling.

“Ann… classmate… time… it’s late… we withdrew?” Liu Ling seemed to be drinking too much? ten.