The Pentium Era - South to North

Ying Ying walked into Liu Ligan's office with a man and a woman. The two people were wearing bank uniforms. Ying Ying introduced that they were from Hubin Branch of China Construction Bank. The man's surname was Wang and he was the head of the credit section. The woman's surname was Wang. His surname is Shao, and he is a loan officer.

Tan Shuzhen asked them to sit on the sofa. She and Liu Ligan also walked over and everyone sat down.

Section Chief Wang, Liu Ligan, and Tan Shuzhen said that they came this time to contact the housing mortgage loan business. Their China Construction Bank was preparing to launch housing mortgage loans. The provincial branch decided to make their Hubin branch the first branch in Hangzhou and even the whole city. Pilot outlets across Zhejiang.

Your Splendid Land is the largest real estate company in Hangzhou. We also learned that your projects have actually been cooperating with companies under Shenzhen Development Bank, and you are involved in mortgage loans. With this experience, we are here this time. I just hope to cooperate with you on housing mortgage loans.

Tan Shuzhen quickly said, this is a good thing, and of course we hope to cooperate with you.

Liu Ligan sat aside silently, but he was cursing in his heart, damn you, where were you when we needed you most? Now that the real estate industry is getting better, they all came running over.

Section Chief Wang left them a complete set of housing mortgage loan information and agreed with them that when they have a project ready to be launched, both parties can sign an agreement and then start specific business cooperation.

After Tan Shuzhen and Ying Ying sent Section Chief Wang and Xiao Shao away, they went upstairs and walked back to Liu Ligan's office. As soon as they entered, Liu Ligan scolded you two, you are so quick to become traitors. .

Tan Shuzhen and Ying Ying were stunned for a moment, and then they remembered that Liu Ligan was scolding them for betraying Mr. Qiao of Shenzhen Anxin Trust.

In the past, although Mr. Qiao and his company were the only ones who could provide mortgage loans for their projects, every time they signed an agreement with Mr. Qiao and his company, there would still be an exclusive clause, that is, indicating that Mr. Qiao and his company were The only financial institution designated by this project that can provide mortgage loan business.

Ying Ying giggled, pointed to the door and said, "This, this is China Construction Bank."

"What's wrong with CCB?" Liu Ligan scolded, "Where were they when we needed them? Now they've come out and want to cooperate?"

"Don't be angry, boss." Ying Ying said, "It wasn't that other people didn't do it before, it was other banks that didn't have this business at all. They wanted to do it but didn't know how to do it. The head office didn't even have regulations. A small branch below. , can you create your own business? In fact, when people see Mr. Qiao and others doing the housing mortgage business, they are making a lot of money and taking risks, and they are very jealous."

"That's right. Now when people talk about launching a pilot project, they first think of our company and come here. The head of the credit section personally comes to the door. Is that sincerity enough?" Tan Shuzhen said from the side.

Liu Ligan scolded: "I don't think Section Chief Wang is a handsome guy. Why are you talking to him like this?"

"I understand, boss, do you think Xiao Shao is not pretty enough? I'll ask them to send a more beautiful one." Ying Ying said.

Tan Shuzhen laughed.

Liu Ligan was also amused. He cursed: "I just feel that this is a betrayal of Mr. Qiao. I can't do it."

Tan Shuzhen said: "I understand your idea, but to be honest, this mortgage loan is not a loan from our company, but a loan from the person who bought the house. Whether they want to choose China Construction Bank or Mr. Qiao and others, I think this right should be given , and give it back to the person who bought the house.”

"Yes." Ying Ying said, "In this case, China Construction Bank, I think, no matter what, they will not stop mortgage loans or limit the amount due to lack of funds like Mr. Qiao and others. Besides, we don't If we cooperate with them, other companies will also cooperate with them. If other companies can provide mortgage loans from CCB, we cannot..."

"Then we will lose our competitive advantage." Tan Shuzhen followed up what Ying Ying said, "This CCB has many branches after all. Even if home buyers have to repay every month, it is also convenient. The business is done by one branch. I asked about the repayment. After passing it, you can return it at all branches. There are many China Construction Banks in Hangzhou. As for Mr. Qiao and others, they can only go to Shenzhen Development Bank to return it."

"That's right, Shenzhen Development Bank has only one outlet. No matter how far away you live, you have to go to Qingchun Road." Ying Ying said.

"Okay, you two, don't start this round of fighting. I'll contact Mr. Qiao first and see what he says." Liu Ligan said, "If Mr. Qiao insists that they still have to do this business exclusively, then I won't Even if you betray him, don’t forget that mortgage loans are not the only business we have at Mr. Qiao’s place.”

As Liu Ligan spoke, he dialed Mr. Qiao's number. Tan Shuzhen reached out and pressed the hands-free button on the phone.

The phone call ended. Liu Ligan and Mr. Qiao told Mr. Qiao that CCB had come to contact him for mortgage loans. Mr. Qiao sighed and said, I know that not only CCB, but also China Construction Bank and China Communications Construction Bank will follow up on this business. We Shenzhen Development Bank and Other joint-stock banks will also follow suit. This is actually promoted by the People's Bank of China.

"Then what should you do?" Liu Ligan asked.

"Let's look for another way out. Originally we were just playing a side game and were a guerrilla force. If the regular army starts to do it and takes over this business, we will definitely not be allowed to touch the motley crew like us."

"Ah, how could this happen? What about this piece that has already been done?" Liu Ligan asked.

"It doesn't matter. The whole thing will definitely be transferred to Shenzhen Fa. Mr. Liu, thank you!" Mr. Qiao said.

"Thank me?" Liu Ligan was confused, "Thank me for what?"

"When you call me, you must remember our agreement. It's okay, Mr. Liu. You can continue to contact them. I will go to Hangzhou in a few days. We will discuss it then. Our other business cooperation cannot be helped. , an organization like ours is also a financial institution, but it is raised by our stepmother. Once a piece of business is cooked, and others bring the whole pot, we have to find other food."

Mr. Qiao sounded upset. After chatting with Liu Ligan for a few more words, he hung up the phone. This is understandable. The mortgage loan business has always been the biggest part of Mr. Qiao and the others. Not only he and Meng They are working on many projects in Pingna, Shenzhen and across the country.

Liu Ligan felt sad when he thought about Mr. Qiao's lament. Indeed, an organization like theirs is a financial institution, but unlike banks, they have no right to absorb savings. They can only make full use of their own money. The world is looking for it, and all businesses must be found and created by oneself. It is hard to find money at the top, and it is also hard for the bottom to find business.

But once a piece of business becomes big, it seems to be very profitable. When regular banks want to get in, they don’t need much. As soon as the People’s Bank of China notifies them, they must stop immediately and hand over the business obediently, saying that they are stepmothers. It’s true that it’s raised.

Tan Shuzhen and Ying Ying also heard the loneliness on Mr. Qiao's phone. After hanging up the phone, the two of them sat there without saying anything. Liu Ligan looked up at them and said to them, okay, that's the general trend. , no one can do anything about it, just continue to contact that Section Chief Wang.

Ying Ying nodded, said good, and walked out.

Tan Shuzhen was flipping through the information left by Section Chief Wang and the others, flipping through it and cursing: "It's so cruel!"

"What's wrong?" Liu Ligan asked.

"You are right, if there is a way, I don't want to cooperate with them." Tan Shuzhen said, "Do you know what is written here?"

"What?"

"For all mortgage loans, developers must serve as guarantee units. This is not only the business of the people who buy the houses, but also our business." Tan Shuzhen said, "People who buy the houses have already mortgaged their houses to them. , this is not enough, you have to pull us back? We have never had this in our cooperation with Mr. Qiao, right?"

Liu Ligan suddenly remembered what Zheng Wei had said to him before. He said:

"Isn't that what banks are like? They want to make money, but it's best not to bear the risks at all, and let others bear them for them. When I say it, it's sanctimonious. Our bank is state-owned, and this is to prevent the loss of state-owned assets. "Drainage, you guys have such a high level of consciousness, how come you have so many bad debts? Aren't those bad debts all caused by you?"

"No, no, this definitely won't work." Tan Shuzhen said, "I want to call and ask."

"No need to ask, this cannot be changed. Other banks will definitely ask for this when they start doing this business. This template has been approved by the People's Bank of China. What's the use of calling you."

"In this case, if all mortgage accounts stop paying, the bank will directly debit our account and give the house to us. They will not even lose a penny in interest. We will bear all the responsibilities. Aren’t we going to be killed by them? If they didn’t do it right, they went around in a circle, all the money was taken away, the house came back, and we sold it for nothing?”

When Tan Shuzhen said this, Liu Ligan also felt that it was a big deal. Isn't this so fucking funny? I didn't use your bank for a penny, but I was working for your bank instead?

Tan Shuzhen picked up the phone on the table and called Section Chief Wang. The two talked on the phone for more than ten minutes. After putting down the phone, Tan Shuzhen breathed a sigh of relief. She told Liu Ligan that fortunately, it was not what we understood.

"What's that like?"

"The process is like this. If a home buyer defaults or cuts off their payment, they will not pursue us directly, but will sue the home buyer. Of course, when suing, because we are the guarantee unit, we will also be sued. But the order of disposal is that after the house is auctioned, their bank's portion will be deducted from the auction proceeds instead of being transferred from our account.

"Because home buyers have a down payment when they buy a house, the auction amount will be greater than what they owe the bank, and we don't actually need to bear the liability for compensation."

Tan Shuzhen said, Liu Lipole nodded, but he immediately thought of it and said:

"There are still risks. The risks are: first, banks compete with each other and mess around, and everyone lowers the down payment ratio lower and lower; second, house prices plummet. If the down payment is 20%, the house price will fall. If it's 40 to 50 percent, the auction money will definitely not be enough to pay off the bank's debt. The bank will still ask us for the shortfall, right? We are the unlucky ones."

Tan Shuzhen said yes, this is an overlord clause.

Liu Ligan smiled bitterly and said: "There is no way. If all banks are like this, even if they have overbearing clauses, we will have to swallow them. We can't say that we will stop doing mortgage loan business because of this."

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