Back to the prime of life

Chapter 70 Loans (I)

Lu Changge went to see Gong Chunxue the next day. Things that could be done should be done as soon as possible; there was no point in dragging it out.

He also thought about the loan issue. The basic conditions for the loan have always been there, such as requiring you to have asset mortgage or proof of income.

But what really affects whether you can get a loan is another factor.

From a macroeconomic perspective, it was relatively difficult to obtain loans in 2007. The reason, of course, was that the social and economic situation was excellent and people were full of confidence.

Stories of getting rich were everywhere, with people scrambling to secure funds, expand their investments, and capture the market. Even borrowing money to invest in stocks was common.

As a result, the national monetary and credit growth has been relatively fast in recent years, resulting in the gradual tightening of macro-control policies.

Lu Changge didn't know the specific data, but in fact, in the first quarter of 07, the country's new loans were 1.4 trillion yuan, but by the fourth quarter, this figure had dropped to 2721 billion yuan.

This drop was particularly sharp.

The gradually tightening credit policy has also improved the bargaining power of commercial banks. The average interest rate for one-year loans increased from 6.86% in the first quarter to 7.93% in the fourth quarter.

Therefore, whether you can get a loan these days also tests your social connections.

This is not like the bank in 2024 that keeps calling you to offer you a loan. Even if the country restricts the use of a certain type of loan, they will still proactively teach you how to get around it.

Lu Changge, who lives in this environment, can actually feel the trend to some extent, that is, it is not easy to get money from the bank now.

Therefore, he was more proactive in building good relationships with Gong Chunxue and Wu Yiming.

The purpose of getting close to Gong Chunxue was to understand the situation. After all, you can't always ask a deputy president to come over every day to explain some basic information to you.

Gong Chunxue hadn't expected Lu Changge to be so efficient. She went to the business hall the next day to open an account with her. She had originally thought it would be good enough to open it within the week.

Today the girl wore a black and white business suit, revealing her slender calves. Without her elders around, she seemed more at ease. She smiled when she saw Lu Changge, and even waved from several meters away: "Here, here."

As she approached, she said, "Good morning, Mr. Lu. I didn't expect you to come today."

"Isn't the demolition payment coming soon? I don't have an account at your Jiangzhou Bank. If I provide another bank account, I'll have to transfer money back and forth, which is troublesome. So I thought I'd open it today. If they asked me to provide this account, I'll provide this one."

This was agreed upon in advance, so there were no surprises.

"That's fine. Let's sit over there."

There were small round tables inside the bank's glass, and Gong Chunxue led him to sit at the empty one.

"In fact, in addition to the demolition compensation, I also have a small business."

Although it was a small business, Lu Changge didn't hold back when introducing his Taobao store account because he wanted to take out a loan.

"Last night, my boss and elders were all here, so I didn't feel comfortable going into detail. I have a small Taobao store, and thankfully, monthly sales are decent. Excluding the Spring Festival off-season, we made over 7 yuan in the previous full month. We estimate sales will increase starting in April, and we estimate the total will exceed 4 yuan."

"Mr. Lu, do you have other business?!" Gong Chunxue was surprised when he heard this.

This was the first time that Lu Changge talked directly with others about his business, mainly so that he could exaggerate the loan amount later.

“Yes, I don’t actually rely mainly on demolition.”

Gong Chunxue was stunned for a moment before reacting. "Then can you open this account with us as well? This credit limit is considered a high-level VIP account in our bank, and it comes with a series of preferential services. Let me introduce it to you."

"No need for introductions. I'm here today to handle this matter." Lu Changge crossed his legs, looking relaxed. "We're acquainted with each other, and I don't know any of the other banks, so I might as well transfer to yours."

Gong Chunxue's professional smile suddenly became much more sincere. "That's great! Um, Lu..."

"Just call me Changge. Aren't we the same age?"

"I'd better call you Mr. Lu. I'm used to it at work. Please wait a moment. I'll ask our manager to receive you."

His main purpose wasn't to save money. He wasn't bragging about this to become a VIP, so he waved his hand and said, "It's okay. I know you well. Besides, the cost of today's event is probably only a few hundred thousand yuan."

Simply put, he has two accounts.

One was his own, with more than 3 yuan in it. It was originally 9 yuan, but he later spent the money on rent, an expensive meal, and other miscellaneous things.

The other one is also his own. It is now the 19th, and there are still a few days before the distribution of profits on the 23rd. Currently there are a little over 8 in it.

So the total amount is average. But Gong Chunxue sees the future.

"Then you can wait for me to ask the boss to see if I can help you with something. According to our regulations, anyone with a deposit of more than 20 yuan can become a VIP user of our bank. It's not common for someone like you to have a large turnover but a low deposit limit."

"That's okay too."

Gong Chunxue stood up and walked quickly. Only after she turned around did she release her suppressed expression. When she passed by her colleagues, they even winked at her.

She also made an 'OK' sign in front of herself, "We got a big client!"

"Really? Which one?" she asked, tilting her chin.

Gong Chunxue didn't have time to answer and went to find his leader with his head held high.

Fortunately, she didn't make Lu Changge wait for long. After coming out, she took out several pieces of paper with some preferential policies on them.

Before saying this, she whispered, "Mr. Lu, I'll call my uncle shortly about your demolition payment and ask him to hurry up. I'll ask him to pay it in my name, saying it's almost the end of the month and I'm anxious."

"Thank you then." Lu Changge smiled gently. This girl is quite capable.

"You're welcome. After all, you said we are friends."

Gong Chunxue was about to explain the following details to him, but Lu Changge didn't care about them. He didn't even care about the interest on the deposits. Anyway, just listen to the general idea and then open the account.

Seeing that the atmosphere was good, Lu Changge asked at the right time: "Are you really under pressure this month?"

"A little bit." Gong Chunxue's tone paused, and he suddenly had a bad feeling. "Otherwise, I wouldn't have asked my uncle for help."

"Oh, that's right. I need this money in the next six months, so I wanted to ask you for your permission. So, I won't touch it this month, can I withdraw it in early April? But don't worry about my Taobao store account. All the income goes into it. The only difference is that I have a partner, so I have to switch back and forth between my two accounts."

Gong Chunxue didn't expect this situation, but...but the other party is already aiming for a high-level VIP user, and maybe in the future she will have one million resources a year.

"Well, okay." She agreed and finally smiled.

In any case, her ability to attract deposits has improved significantly.

Lu Changge originally planned to use the demolition compensation to buy stocks, but he had to discuss this with Gong Chunxue first.

In fact, he didn't have to say anything. Once Xie Zhenqi approved the demolition compensation, these people would have no power over him once they got the money.

But he didn't do that. This approach seemed to give him an advantage and was a clever move that was successful.

But it is easy for people to recognize you, especially Xu Weiguo. He knows that he will label Lu Changge as "dishonest" in the future.

It’s actually not worth it.

Just make it clear, and then use the future income of about 10 yuan per month to make up for it and tempt her. Unless she really has no patience and foresight, any normal person would agree to it.

In this way, the relationship will go much more smoothly.

As for the loan?

After completing these formalities, he extended an invitation to Gong Chunxue, saying, "Manager Gong, are you free today? I'd like to treat you to dinner after work."

Gong Chunxue was a little surprised, but she wanted to maintain a good relationship with such a customer. "You're too polite. How about I treat you?"

"Then next time, I invited you first this time."

Gong Chunxue was amused by her and said, "That's fine too."

"See you there or see you."

After everything was settled here, this afternoon Chen Rong contacted Lu Changge through Zuo Shuya to confirm the payment account. He had provided it before, but he took the opportunity to change it.

Zuo Shuyate was surprised. She had never expected it to happen so quickly.

It hadn't even been 24 hours since last night, and although the funds hadn't been officially transferred, the process had begun. She now believed that there was nothing she couldn't do, except for things she couldn't do for her.

(End of this chapter)