Rebirth of financial migrant workers

Chapter 124 Increase Strength
Seeing people from the bank leaving one after another outside the car window, Wang Chunliang didn't explain much, but started the car and drove directly out of the parking lot.

It wasn't until he got on the elevated highway that Wang Chunliang continued to explain:

"If we hadn't appeared today, Hengda's loan would have been taken out by Chenghuang Branch for 3.5 million yuan and an interest rate increase of 30%. Then let me ask you, the same amount of 3.5 million yuan, Evergrande The loan interest rate is 10% higher than that of Shuanghe Real Estate we applied for, what will the head office choose?"

Sister Jun blurted out: "The head office will definitely give priority to those with higher interest rates, not to mention that Hengda's customer level is much higher than that of Shuanghe Land."

"Yes, so I have to act like a trustee, first raise the limit, then lower the interest rate, and at least level Hengda's credit application conditions to the same level as Shuanghe Land, so that I can take the next step. Space."

While waiting for the red light, Wang Chunliang quietly touched Sister Jun's round legs with his hand to relieve the pressure accumulated during the performance in front of everyone.

Sister Jun thought for a moment and didn't care about the other party's evil intentions. Instead, she asked about the topic just now:
"If the Chenghuang branch had not followed suit at that time, Hengda's loan would have fallen into our hands. Then would we have to submit two development loans at the same time?"

Wang Chunliang waved his hand: "No, no, no, Sister Jun, no matter whether you continue to be in the same branch with me in the future, never accept a loan from Hengda.

Let me give you an analogy: There is a rich second generation who wears gold and silver and shows off his bank balance of tens of millions every time he appears.

How could the women let go of this money-spinner after seeing it? In order to become each other's real girlfriends, they all tried their best to please the rich second generation.

They no longer ask the man to pay for meals, and they no longer ask for betrothal gifts when getting married. Even the TT used in hotels is paid for out of their own pockets.

But the real situation is that the rich second-generation family borrowed all their money from outside. In the end, his father encountered an economic crisis and went bankrupt.

Not only did those women not take advantage of even a cent of the rich second generation, but instead invested a lot of energy and money. Some were even deceived into taking out loan sharks and owed huge foreign debts. "

Wang Chunliang smoothed Sister Jun's wrinkled skirt and continued:
"President Ling of Chenghuang Branch has not won any large customers since he took office. They are bound to get this loan from Evergrande. In addition, it is okay to lose to other banks in the bidding, but if they lose to us How can this fourth-level branch and the special-level branch hold its head high in the future? So as long as the amount and interest rate I propose at the bidding meeting do not exceed the limits required by the bank, Chenghuang Branch will follow suit."

Sister Jun: "However, for such large-scale project loans, you must first inform the head office before the branch can apply. What if the Chenghuang branch inquired about the truth from Vice President Gao who was in charge of credit at the head office? How could we expose it? Do it?"

Wang Chunliang: "Haha, we rushed into the venue temporarily, leaving them little reaction time. Moreover, Vice President Gao flew to Harbin early this morning, and he would not be able to get off the plane until noon at the earliest. Chenghuang Branch and Hedong Branch The branch couldn’t contact him even if I tried to find him.”

After hearing this, Sister Jun wanted to give Wang Chunliang a thumbs up, but was interrupted by the sound of a text message on his cell phone.

Wang Chunliang glanced at the content and threw the phone to Sister Jun: "Look, Su Qijun gave Hengda's project loan to Chenghuang Branch, and because we are a specialty mortgage branch, he wants our branch to take over the future. In the mortgage business, their cooperation model is really something that only a licking dog can tolerate."

At 11 a.m., Don’t Touch Me arrived at the Sanlimiao branch.

The second young lady of the Xia family, who had been waiting in the assistant's office for a long time, rushed up to Wang Chunliang after he entered, hugged him, and started crying.

"I thought you were going to give up on me, Shuanghe Land, and switch to Hengda Loan~"

Two thoughts quickly flashed through Wang Chunliang's mind:
1. (·Y·)

2. Shuanghe Real Estate has a certain intelligence network, and it can clearly understand what has just happened among its competitors.

Sister Jun pulled the second young lady away like a child, frowned and said in a bad tone: "You misunderstood, we actually..." "Okay, okay, you don't need to explain, I can probably do what Wang Chunliang wants to do. I guessed it." The second lady waved her hands, with no tears in her eyes.

The second lady pointed to a thick pile of materials on the table: "Here, I stayed up late to sort out the materials. All indicators have been adjusted as required. Copies of the bills for 30% of the self-owned funds are also here. That's it. I need a construction permit from the Construction Bureau.”

"That doesn't matter. It won't affect the approval process. As long as the four documents before the loan are complete. The application materials are almost complete. If there is anything that needs to be 'improved', I will communicate with you in time."

After Wang Chunliang roughly reviewed the materials, he silently praised the second lady's professional ability in his heart.

The second young lady was relieved and jumped close to Wang Chunliang: "Does this mean there will be no problem with the loan?"

Wang Chunliang shook his head, feeling that it was necessary to let the second lady realize the seriousness of the situation, so he moved a white board, took out a Parker pen and wrote on it while reading:
"Evergrande's declared quota is 4 million, the collateral valuation is 6.5 million, and the mortgage rate is 61.5%."

"Shuanghe Real Estate's declared quota is 3.5 million, the collateral valuation is 5.8 million, and the mortgage rate is 60%."

"Hengda ranks 3rd in the latest ranking of national real estate companies, and Shuanghe Land ranks 87th."

"Manman, you can only choose one of the two loans, don't you still think that your Shuanghe Land situation is very good!"

The second young lady shrank her neck, stood up obediently, and asked weakly: "What should we do?"

Wang Chunliang closed the door, slammed the table, and said word by word: "We will definitely not be able to compete with the opponent through conventional means, so we have to be more intense and use some extra moves!"

Sister Jun and the second young lady’s little heads were nodding, and their curiosity for knowledge was overwhelming.

"Manman, do you have any plans to open the business by the end of the year?"

"Yes, there will be another opening in mid-November, with about 11 units."

"It's too late. Can it be done 1-2 weeks earlier?"

"Well, this requires changing the registration with the Housing Authority, but there is not much time in advance, so it shouldn't be a big problem."

Wang Chunliang scribbled on the calendar for a long time, then turned to look at the second lady: "You should coordinate well and ask customers to sign contracts on the first and second days of the opening to ensure that the Sanlimiao branch signs orders of more than 8 million. In addition, I will not release this batch of loans immediately, it may be delayed until the end of the year, so you must be mentally prepared!"

"No problem, I promise to complete the task."

Wang Chunliang moved his chair in front of the second lady and asked softly: "How did Shuanghe Real Estate target the key figures in the bank in the past?"

The second lady’s big eyes flickered a few times, she covered her mouth and leaned close to Wang Chunliang’s ear: “Red envelope and card~”

"."

(End of this chapter)