Rebirth of financial migrant workers

Chapter 108 Exchange Conditions
Oh, a huge loan of 3.5 million.

The loan scale of the entire Sanlimiao branch is just 10 billion.

Wang Chunliang squinted his eyes and quickly ran through the major events of Shuanghe Land in his previous life in his mind. He really couldn't think of any major events that happened in the last quarter of 2009.

Seeing Wang Chunliang's silence, Xia Minghui thought he was frightened by the amount of money, so he raised his glass and touched it with him, and then explained:

"3.5 million yuan is the total loan amount required for Land 2 of the Baihuayuan Project."

The young woman from the Xia family also added: "The one we are currently cooperating with your Sanlimiao branch on mortgage is the No. 1 plot, which is planned for 16 high-rise residential buildings. The No. 2 plot is next to the No. 1 plot in the north. It is our project this year. Taken at the beginning of the year.”

Wang Chunliang raised his eyebrows and said doubtfully: "As far as I know, the project loan for Land No. 1 was handed over to China Construction Bank. Shouldn't the subsequent Land No. 2 also be handed over to them?"

"You are very well informed. We have indeed applied for a project loan at the China Construction Bank for our No. 2 plot, and have received the approval from the branch. We are just waiting for the meeting at the head office." The second lady served Wang Chunliang appetizer soup. He continued, "But who would have thought that the real estate loans of China Construction Bank across the province have exceeded the limit, and all loans that have not been approved by the head office have been suspended this year."

This explanation is reasonable. In his previous life, Wang Chunliang also experienced this cycle of regulation-relaxation-reregulation of the property market.

At the end of 2009, the National Banking Regulatory Center and the Central Bank issued a number of regulations to impose real estate loan limits on major banks, that is, the proportion of real estate loans (including mortgages and development loans, etc.) of large banks cannot exceed 40% of the loan balance. , medium-sized banks cannot exceed 27.5%.

At that time, the Shuanghe Branch of China Construction Bank, which was mainly engaged in real estate loans, forcibly suspended all real estate loans because it was on the verge of the 40% red line.

Mule Bank has just started its mortgage business, so it is still far away from the red line of 27.5%, but it has not been affected.

To be on the safe side, Wang Chunliang used the excuse of going to the bathroom and quietly called Mr. Jian from the construction team.

"Mr. Jian, I heard that your provincial bank's real estate loan has exceeded the limit, so our Sanlimiao branch will not be polite."

"Ha, I was just about to call you for help. We have signed more than 40 Baihuayuan mortgages and we can't disburse them this year. Why don't we give them to you first. But when the quota is freed up early next year, you can I have to pay off 40 mortgage payments.”

"No problem. I will bring you to meet you after the festival. I also want to ask you something. Has Shuanghe Real Estate had any problems recently?"

"Ah? I haven't heard about this. Their loan for the Baihuayuan Land No. 1 project was loaned to us. I haven't heard of any problems after the loan. If you want to say there is a problem, it may mean that the loan at Land No. 2 cannot be continued due to the limit. It’s been approved.”

"Mr. Jian, please ask, is Shuanghe Real Estate's project loan at No. 1 Baihuayuan approaching the repayment period at the end of the year?"

"Yes, we need to repay 11 million in November and 5000 million in December."

Wang Chunliang hung up the phone and returned to the banquet with an idea in mind.

He raised his glass and toasted Xia Minghui: "Mr. Xia, even if China Construction Bank cannot lend, there are still many real estate banks on the market. Why did you choose our Mule Bank Sanlimiao Branch?"

The young woman from the Xia family corrected: "We are not interested in Mule Bank, but just you, Manager Wang Chunliang."

"It's spread in the circle that Manager Wang Chunliang had a verbal dispute with the members of the Loan Review Committee and increased the amount of a loan that would be forcibly recovered by 200%. It's so cool." The second lady looked at Wang Chunliang and said in her tone Full of adoration.

Wang Chunliang was unmoved and said calmly: "You even got the approval from the China Construction Bank branch. It's easy to transfer to another bank. But are there any difficulties? Why not raise it directly."

Xia Minghui: "I won't hide it from you, uncle. None of the banks we have talked with can meet our two needs. First, we must lend 1.5 million yuan before the end of the year. Second, the loan interest rate for construction projects is 40% higher than the benchmark. , what we can accept is a rise of no more than 20% above the benchmark."

The second lady peeled a prawn for Wang Chunliang and said sweetly: "We believe that only you can turn the tide and help us solve our difficulties in such a short period of time."

Wang Chunliang made an assessment in his mind. With approval from the four major banks such as China Construction Engineering Co., Ltd., it would not be difficult for Mule Bank to approve it. However, the interest rate would be directly reduced by 20%, which would be quite difficult, not to mention such an urgent loan requirement. In short, it can be done, but it is very difficult.

Wang Chunliang showed a sad face and explained to Xia Minghui: "Real estate project development loans actually do not bring much benefit to the sponsoring bank. You have cooperated with the construction industry for many years, so it is not difficult to approve it. However, we mules After all, the bank has only recently cooperated with Shuanghe Real Estate, so it is not easy for the branch to obtain preferential conditions in terms of interest rates and loan approval speed."

How could the old and cunning Xia Minghui not hear the hidden meaning and immediately answered: "Xiao Wang, if there is anything we can do, just ask."

Wang Chunliang laughed: "Mule Bank is short of deposits, so it has a natural affinity for companies that contribute large deposits.

Then I propose that for the Baihuayuan personal mortgage loan that will be issued next, you will use bank acceptance reporting when withdrawing funds, so that the deposit deposit can be increased a lot. "

"It's a bit difficult to open all the silver contracts, how about 60%?" The young woman from the Xia family asked tentatively.

"Minimum 80%." Wang Chunliang set the bottom line.

The second lady approached Wang Chunliang, leaned into his ear and said: "There is another request made by me. I am fully responsible for the unfinished resort project you are looking at in Qiongdao. I want to continue to develop it, but there is no shortage of resources." Money. So, I want to see if I can borrow more, so that I can turn over some of it."

Hiss, misappropriated loans, over-loans, and real estate project loans are the most strictly regulated, and the difficulty has skyrocketed by 100%.

Wang Chunliang replied, "Think about it." The Xia family didn't say much. It was still time to drink and eat.

After the dinner, Xia Minghui greeted Xia Man to see Wang Chunliang off.

Not long after the two of them walked, Wang Chunliang patted the second young lady bouncing around him and pointed to the bar in front of him.

The second young lady nodded happily and pulled Wang Chunliang inside.

Don't get me wrong, Wang Chunliang was not here to pick up girls, but to discuss business. He chose a bar because the conversation that followed was a bit shady.

The deafening noise of the indoor DJ made Wang Chunliang very satisfied. This way, he didn't have to worry about being secretly recorded. After all, it was necessary to be on guard against others and safety came first.

Ignoring the second lady's protest, he ordered two glasses of watermelon juice.

In order to let the other party hear her words clearly, the second lady lay almost her upper body on Wang Chunliang, biting his ear, and the waves of good smell made Wang Chunliang a little bit heady.

Wang Chunliang shook his head and said seriously: "Excessive loans are inappropriate and can easily lead to problems. However, we can use another method, provided that a series of materials including the project feasibility study report are revised as soon as possible."

I don't know whether it was intentional or unintentional, but the second lady's lips touched the side of Wang Chunliang's ear. She said loudly and calmly: "This is simple, and then, this way, the loan for Qiongdao can be transferred." Are you out?"

"Project loans are disbursed in installments according to the development progress. The follow-up construction period of the unfinished resort is short and the repayment is quick. Therefore, you only need to quietly advance the development progress of No. 2 site by more than half a year on the paper requirements, and the bank can modify it accordingly. The subsequent feasibility study report will be used to issue the loan in advance, so that the funds will be freed up for the development of the Qiongdao project."

The second lady thought about it for a short time before figuring out the logic. She put her arms around Wang Chunliang's neck and asked worriedly: "This will require you to take a lot of risks. Then I will share half of the resort's income with you..."

Wang Chunliang waved his hand and joked. He was a reborn customer, which was equivalent to opening a cheating device for Future Vision. Investment in Qiongdao was guaranteed to make a profit, and Shuanghe Land was honest and reliable. How could it be risky? How could it be accepted without any reason? Gift from the lady.

He took a sip of watermelon juice, put it against the second lady's ear, smelled the faint scent of lilac perfume on her body, and said:
"My distant cousin has opened a trading company, and our technology will become a shareholder in the resort project."

(End of this chapter)