Back to the prime of life

Chapter 71 Loans (II)

In fact, Lu Changge had thought about taking out a loan to invest in stocks at the very beginning. This was not an exaggeration in 2007. Some people even mortgaged their houses and rushed into the stock market.

But at the beginning he had nothing and didn't know anyone in the bank, so he couldn't get a loan at all.

After a while, he forgot about it again.

However, both of these issues were partially resolved during this period, especially the Zhou Chunjin issue. I didn't expect that the situation would end up like this.

It can be regarded as a blessing in disguise, but it is a blessing.

Of course, all this depends on whether you can get a loan.

In the evening, Lu Changge waited for her at the door of Jiangzhou Bank as promised.

Gong Chunxue wore a black and white suit when she was working, but unexpectedly changed into a short down jacket after work, which made her legs look longer. Her hair was also loose, falling on her back. Because her shoulders were relatively narrow, she looked like a killer from behind.

Lu Changge didn't have a car, so he could only stop a taxi on the side of the road.

Gong Chunxue is not a particularly shy person and can be a little more open. Otherwise, they would probably have nothing to talk about as they had only known each other for two days.

The other party was quite interested in his status as a freshman, and asked about the situation at Jiangzhou University of Technology. He also said that many of his friends graduated from that school.

When they reached Zhongshan Road intersection, they just walked and talked all the way.

"There's one thing I'm curious about. Did you really make such a bold decision just by hearing discussions like that online?"

Lu Changge replied, "It's bold, but it's also inexperienced. As a college student, you seriously underestimate the dangers of society."

Gong Chunxue lifted her hair and smiled, "Mr. Lu, to be honest, I think you act like my uncle and his family. Anyway, I definitely can't organize a dinner for so many elders on my own."

"Hey, that's nothing."

Lu Changge is a shameless person. He cannot forget his main purpose today and has to ask questions when necessary.

"Actually, when it comes to being bold, I might be a little bolder than you think."

"What do you want to do?"

"Don't worry if you laugh at me. I just want to learn about loans."

"Oh..." Gong Chunxue drew out the sound, and his expression changed slightly.

She had been wondering why this VIP client was so polite to her. Simply because she was her uncle didn't seem to be enough to explain it, but now she understood.

However, the relationship between them is also based on this kind of mutual help.

"It's hard to get a loan right now. It's the same at every bank. The total amount is controlled. How much do you want?"

Lu Changge had little experience with loans in his previous life. He just went to college, found a job, and then bought a house. Perhaps a mortgage was the only loan he had ever come into contact with.

He doesn't do business and has never actually handled things like loans.

"It's not about how much I want. The key is how much I can ask for, given my current qualifications."

Gong Chunxue's eyebrows flickered slightly, and she seemed to understand something.

It just so happened that they also arrived at the Western restaurant where they were going to have dinner tonight, which was called meet.

Lu Changge guessed that this kind of girl would like this kind of petty bourgeois style, so he deliberately chose such a place.

After sitting down inside, Gong Chunxue asked, "Mr. Lu, I'd like to ask, you're taking out the loan to invest in stocks, right?"

"How did you guess that?" Lu Changge really didn't expect it.

"Nowadays, many people take out loans to invest in stocks. And your monthly income is not low, and you also receive compensation for the loan, but even that is not enough. I really can't think of any other use for it besides investing in stocks."

He originally didn't want to say it, but the other person was clever and smart and guessed it right away, so he just admitted it generously.

“The market is good right now.”

"But the stock market has risks. If you bet right on the factory demolition, can you also bet right on the stock market?" As if realizing her words were a bit profound, Gong Chunxue added, "I'm just giving you a warning, nothing more."

"It's okay. I know you mean well, but I trust my own judgment."

"Okay, then do you have any other assets? Like real estate, cars, which would also help increase the loan amount." Lu Changge shook his head. "I don't have any of those. If I have to talk about assets, I have some stocks. I'm now a senior VIP at your bank. Doesn't this status help with the loan?"

Gong Chunxue's eyelids twitched. So rich. But she couldn't let down her temper; she had to hold it in.

"Of course there is." Gong Chunxue pondered for a moment. "You also met President Wu last night. How about this? I'll take your Taobao store's cash flow and asset certificates and go see him. Don't worry, banks are ultimately in the lending business, and you're definitely a high-quality client. So I can't say how much the loan will be, but you should be able to get it."

These words finally made Lu Changge feel like a high-level VIP.

"Then I would like to thank Manager Gong first."

He also raised his glass at the right time, and today he was drinking red wine.

Gong Chunxue smiled softly, nodded, and said, "You're welcome."

"Manager Gong, according to your estimate, how much can someone like me borrow?"

"Well..." She explained briefly, "I didn't feel comfortable asking just now. Mainly because I don't know how much stock assets you have, Mr. Lu."

"I can tell you that. I haven't looked at it these past few days. At the beginning of March, I saw it was over 3."

Today's topic is really naked. It's all about how much money he has.

Gong Chunxue widened her eyes again and reminded herself that she really had to re-evaluate the person she knew.

"Compared to you, I'm really ashamed. When I was a freshman in college, I even called my mom for a long time just to get 500 yuan." Her tone became more resolute. "I'll help you get President Wu. You just met him, so it wouldn't be a good idea to go to him rashly. I've actually known him for a while."

Lu Changge pretended not to know and said "Oh".

In fact, he could guess it, otherwise why would Gong Chunxue be able to work here?

"I'll toast you again."

"Let me toast you. I'm just a small employee, and you're a real big customer." Gong Chunxue was obviously much more active than before.

In fact, she doesn't need to do this. People in society need each other. This is a way of survival and has nothing to do with anything else.

Just like Lu Changge needs Xu Weiguo, but he won't be too flattering.

Maybe it’s because she has relatively few years of work experience and experience, but that’s none of Lu Changge’s business.

He only cares about how much loan he can get.

Fortunately, with the help of the dim lights and fragrant red wine, the matter was basically completed.

Although this March was a bit thrilling, it was also fruitful.

After tonight, Lu Changge just needs to go back and wait.

The next day, March 3, a southern TV station issued an official notice that their singing talent show had obtained approval from the State Administration of Radio, Film and Television, and announced the launch ceremony two days later.

On March 3rd, Lu Changge and Zuo Shuya split the revenue for the third time. The 23-yuan EQ story seemed to be on the verge of exploding, with over 99 orders in just four or five days. Total revenue for the month reached 150 yuan, just shy of 9 yuan.

According to the 28 ratio, Lu Changge got 76,500 and Zuo Shuya got 19,800.

Judging from the current sales situation, April will definitely take it to a higher level.

By the end of March, the factory demolition compensation had finally arrived, totaling 3 yuan. This was slightly less than the yuan he remembered, probably because the equipment inside was gone.

Lu Changge found some time to transfer all his income to his Jiangzhou Bank account. Together with his previous deposits, he could make up a total of 89.

Soon, the final news came from Gong Chunxue that Lu Changge finally applied for a loan of 110 million.

This obviously exceeds his assets, but as the saying goes, whether things can be done depends on the person.

In this way, he had raised a total of 199 million yuan in funds in one go, and he was only ten thousand short of 200 million yuan. This was really driving someone with obsessive-compulsive disorder to death. Helplessly, he contacted Zuo Shuya again and transferred ten thousand yuan from his Taobao store's payment account.

Two million exactly.

Of his two holdings, he chose Yunnan Copper. Copper prices were rising, and the company's sales revenue was also growing significantly. He had a lot of money to invest in, so he even took a look at the company's financial reports. But halfway through, he slapped himself in the face. Why should A-shares focus on company performance?
On April 4, Yunnan Copper's share price was 2, and Lu Changge bought all of it.

(End of this chapter)