Rebirth of financial migrant workers

Chapter 122 The venue of Sanlimiao Branch became a blockbuster

The core content of the so-called bank bidding meeting held by real estate companies is nothing more than three points:
Loan amount, loan interest rate and disbursement speed.

For real estate companies, the more bank project development loans they need, the more the better.

Especially large national real estate companies like Hengda have hundreds of projects across the country eagerly waiting for funding.

If you can borrow, I will lend.

The key to deciding how much you can borrow is mainly based on the value of the collateral.

For real estate project development loans, the first thing to look at is the land value.

Since the period for real estate companies to apply for bank loans after acquiring the land is not long, the assessed price of the land is basically clearly marked and will not deviate much from the original bidding price.

However, various banks have different mortgage rates for land. Some allow a mortgage rate of 60%, while others only allow 50%.

If the customer is a large national real estate company such as Hengda, some banks are even willing to further increase the mortgage rate of the land, and the parent company of the real estate company's headquarters will provide an additional guarantee for the loan of the project subsidiary, which means that this part is actually a credit loan.

This also forms the reason why each bank offers different maximum quotations for the same project loan.

At this Hengda loan bidding meeting, the first topic discussed was related to the quota.

At 9:30 in the morning, Su Qijun, deputy general manager of Hengda Hedong Company, walked into the venue to the applause.

He glanced around the crowds of bankers outside the venue and nodded slightly as a greeting, showing a sense of superiority.

Immediately afterwards, Su Qijun read a fancy project introduction, waved his hand, and said, "The loan amount required this time is relatively high. We recommend that banks form a group," announcing the official start of the bidding meeting.

As the largest bank in the world, the representative of Elephant Bank was the first to speak: "We can provide a loan of 2.5 million yuan, but we must be the lead bank."

Not to be outdone, a representative of China Construction Bank said: "We can also provide 2.5 million yuan, but the condition is that we can only serve as the lead bank."

After that, it was Huaguo Bank and the Bank of Transport, which expressed very clear intentions. They must act as the lead bank before providing loans.

After the speeches of the five major banks, a hot-tempered bank leader said: "Mr. Su, don't engage in syndicated loans. It's impossible to take shape. It's better to directly ask each bank for the maximum amount they can give. Let me start by saying that we Shuanghe Nongke Bank can provide a quota of 3 million."

As Wang Chunliang expected, the idea of ​​Hengda's syndicated loan quickly went bankrupt, and the amounts proposed by the next several banks were all far from their psychological price of 4 million yuan.

Sister Jun gently kicked Wang Chunliang with her black stockings and whispered, "Are these banks really here to support you?"

"They are quite professional. They all expressed their willingness to provide loans, but they were all just a little short of Hengda's target amount. It not only gave Hengda face, but also retained the reserve of his own bank." After speaking, Wang Chunliang leaned down. , stretched out his hand to stop the rebellious feet, and waited patiently for the appearance of Chenghuang Branch.

Not long after waiting, Luo Tuzi raised his hand and shouted: "Chenghuang Branch, a special branch of Mule Bank, is willing to provide a loan of 3.5 million yuan!"

Elder Ling Jiang Ningxing beside him nodded calmly, as if he was convinced of other banks.

Su Qijun on the stage frowned. The amount was still a little short of 4 million, but the other banks present seemed not to be prepared to increase the amount.

At this moment, a young man in the back row raised his hand. Su Qijun's eyes lit up. Which bank is this? Could there be a surprise?
The person who raised his hand was Wang Chunliang. He was a little nervous participating in the placard raising for the first time. He almost held Sister Jun's black silk feet in his hand and raised them.

"Sanlimiao Branch, a special mortgage loan branch of Mule Bank, can provide 4.5 million yuan in loans!" Luo Tuzi looked confused, turned around and stood up unconsciously, stared at Wang Chunliang and asked: "The president of your branch is not here, you can make the decision ?"

Wang Chunliang pointed to Sister Jun next to him: "This is Vice President Wang of our bank. President Liu has given her full authority to take charge of this bidding."

President Ling's face remained calm and he said calmly: "We at Mule Bank don't have that much mortgage quota."

Wang Chunliang scratched his head: "Then 4 million, this amount should be enough."

The corner of Su Qijun's mouth raised slightly, and he looked at Luo Tuzi again: "What did Chenghuang Branch say? Is it still 3.5 million yuan?"

For every 3.5 million yuan increase in the project loan amount, the difficulty of going to the meeting will increase by %. million yuan is a reasonable loan amount based on the calculation and evaluation of the collateral value and project income.

What happened to the Sanlimiao branch? The amount was raised to 4 million. How will the loan pass?
But they raised 4 million. If we don’t follow, won’t we be eliminated?

Luo Tuozi lowered his head and discussed with President Ling for a long time, then turned to glare at Wang Chunliang and said reluctantly:

"Chenghuang Branch can also provide 4 million yuan in loans."

Sister Jun grabbed Wang Chunliang's arm tightly, her palms were sweaty, and her incomparable trust in Wang Chunliang made her decide to ask the reason for doing so later.

We said we were just here to take a look, so why did we actually participate?
The amount of 4 million is too high. If you are killed at the meeting, it will become a laughing stock and your customers will be offended to death.

Su Qijun did not leave too much time for the bankers present to talk. He picked up the microphone and continued to announce: "Now, please let the representatives of each bank tell us the lowest interest rate they can give us. I hope that each bank can fully consider Hengda's brand value."

"Oh, there's nothing to say about this interest rate. This year's project loan market price is 30% higher than the base interest rate. We, Shuanghe Agricultural Science Bank, must follow this."

"Well, that's right, Huaguo Bank can't go any lower than this."

“The same goes for Elephant Bank.”

In fact, according to the amount of quotas proposed by each bank just now, except for the two branches of Mule Bank, other banks are just joining in the fun and just enjoying themselves, so they don't count.

Therefore, Luo Tuzi from Chenghuang Branch was not moved at all. According to the pricing strategy previously discussed with the president, he directly quoted a price that was 40% higher than the benchmark and gave an explanation:

"Although the market price at the beginning of the year was a 30% increase from the benchmark, it is almost the end of the year now. Bank quotas are tight, and our bank's capital costs are higher than at the beginning of the year. A 40% increase from the benchmark is the lowest interest rate that Mule Bank can provide."

Su Qijun frowned again. For every 10% increase in the benchmark interest rate, the 4 million yuan project loan would have to pay nearly 3 million yuan more in interest over a three-year period. The 700% increase in the benchmark proposed by Chenghuang Branch exceeded the upper limit set by the headquarters.

He couldn't help but cast his eyes on the young man in the back row, with anticipation in his eyes.

Wang Chunliang did not disappoint. He raised his left hand high again: "Mule Bank Sanlimiao Branch can provide a preferential interest rate of no more than 10% above the benchmark."

After the words fell, the venue was quiet for about 10 seconds, and then the voices of "fuck" came one after another from all the banks.

President Ling could no longer remain calm, so he took out his cell phone and quickly dialed President Han of the branch.

Sister Jun opened her mouth and shook Wang Chunliang's arm crazily: "Ah, what's going on, what's going on?"

(End of this chapter)