The correct attacking posture of Shirai Kuroko

"When I was in primary school, my teacher asked me about my dream of becoming a pilot. When I was in junior high school, I saw everyone studying hard, and I also dreamed of getting into a good university..."

"What about now? Have all those dreams of yours come true?"

Looking at Chen Zixuan who seemed to be lamenting about life with a dazed look in his eyes, Wang Cheng beside him couldn't help but raised his eyebrows and asked.

But Chen Zixuan's answer was...

"...Is this your first day meeting me?"

"...Well, it doesn't appear so."

"So this dream~ Sometimes it's just a dream, it seems so unrealistic~ But..."

"but?"

"But no matter how difficult it is to achieve..."

As he spoke, Chen Zixuan stood up from his office chair, paused, and then turned around with the same teasing smile as before.

Looking at Wang Cheng, who was not far away, looking at him with raised eyebrows and arms folded across his chest.

"But we should always have dreams. What if we run into a ghost someday?"

"...Did you say that?"

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Sorry everyone~ Because I have something urgent to do today, there may be only one update!

But please rest assured, I will definitely make up for the update I owe today with three updates tomorrow!

that's all! !! !!

Chapter 116 Asking Questions Beyond the Boundary

Logically speaking, after the lunch break, according to the company's work arrangements, Chen Zixuan, as the manager of the company's operations department, should return to the company early and sit in his office area to continue arranging his afternoon work.

As for the reason for doing this, one is to set a good example for the rest of the company's ordinary employees so that others will not gossip about him as the nephew of the CEO and his experience in the company's operations department.

Secondly, as a department manager of a small or medium-sized enterprise, it is not as easy as those managers in state-owned enterprises who sit in the office and flip through documents and drink tea.

The information that needs to be processed, the things that need to be dealt with in the operations department, it's not exhausting, but at least it's quite heavy.

But at noon that day, after hurriedly eating lunch with Wang Cheng, Chen Zixuan, who should have rushed back to his desk as usual, did not do so.

Instead, he went straight to the door of his uncle's office with a lunch.

Knock knock knock...

[...Hmm? No one's here? ]

He gently and regularly knocked on the door of his uncle's office and stood outside waiting for a moment.

Chen Zixuan, who found that his uncle did not seem to be in the office, could not help but tilt his head in confusion and thought so.

Then, just as he was about to run to the smoking area of ​​the company to smoke a cigarette with the lunch he brought for his uncle, and then think carefully about how to tell his uncle what he wanted to say when he saw his uncle later, and successfully get his uncle to agree to help him, a hand suddenly rested on his shoulder.

"Xiaoxuan, why are you here? What's the matter?"

"Uh? Uncle? Ah~ I see that you rarely go out to eat during lunch break. You always wait until the afternoon to go out to eat, so I want to take advantage of this time during lunch break to bring you a portion after you finish your lunch."

After a moment's thought, Chen Zixuan gave this reason to his uncle who had suddenly attacked him from behind, and slightly lifted up the lunch in his hand and presented it to his uncle.

And what about his uncle? After hearing what he said and seeing the lunch he was holding that could be bought on the street for ten yuan, the smile on his face that he only showed to his nephew could not help but pause a little.

"I'm afraid you have other intentions. Xiaoxuan, you must have something to ask me, right?"

An old-fashioned man is an old-fashioned man! After so many years of working in the society, he is now the CEO of a small or medium-sized enterprise. Chen Zixuan's uncle is very accurate in judging people!

Just when Chen Zixuan thought he hadn't revealed his true identity, as soon as people saw the lunch in his hand, they immediately understood that he was looking for something!

"Hey, hey, I can't hide anything from you, uncle. I do have something to discuss with you."

Chen Zixuan didn't expect that his uncle would see through his intentions so quickly and point it out without any concealment. At this time, he had no choice but to smile foolishly at his elder and superior with an embarrassed look on his face.

And his uncle, facing the awkward smile on his face after his secret was revealed, also rolled his eyes at him in an appropriate and humane way at this time.

However, perhaps he heard the sound of employees who had finished lunch returning and pushing open the door of the company's office, but he did not directly ask Chen Zixuan what the specific matter was that he came to see him during the lunch break.

Instead, he pushed open the door of the boss's office and waved to Chen Zixuan, his junior.

"Come in~ This is not the place to talk."

Afterwards, Chen Zixuan, with an embarrassed look on his face, followed his uncle to the company's CEO's office.

"Just tell me what you want to say. Since I'm your uncle, don't beat around the bush."

Having already sat down in the house, Chen Zixuan's uncle went straight to the point and asked his nephew the purpose of his visit.

Chen Zixuan was in an awkward situation when he saw that his uncle actually treated him in such a direct manner.

There was no point in hiding anything unnecessary, so he handed the lunch box in his hand, which he could buy for ten yuan on the street, to his immediate superior.

And when he saw the other party reaching out to take it, he went straight to the point.

"Uncle, didn't you say not long ago that the boss of Jingyi Garden wanted to lend you money so that you could follow her to start a real estate development business? You said that after you followed the boss of Jingyi Garden to start a real estate development business, you wanted to temporarily hand over this company to me to help you manage it, and you also said that you wanted to borrow a four-axle truck so that I could try to do some freight business under the company's name?"

"Hmm, huh?! What? Have you come to your senses?"

Chen Zixuan's uncle, who had just opened the lunch brought by Chen Zixuan and put aside the disposable chopsticks he brought with him and was about to start eating, responded casually after hearing what Chen Zixuan said!

Then he was stunned for a moment, raised his head with a look of surprise and looked at Chen Zixuan opposite him.

"Ah... I've come to terms with it..."

Faced with the slightly puzzled look from his uncle, Chen Zixuan could only touch his head and, with a hint of embarrassment in his tone, he gritted his teeth and gave his uncle confirmation.

After all, when his uncle told him about this, his answer was "Let me think about it". In China, if a leader says this to a subordinate, it's fine, but if a subordinate says this to a leader, then basically most leaders will think in disguise that this kid is rejecting him?

Now Chen Zixuan dares to bring up this matter again in front of his leader, probably because he relies on the fact that this leader is his relative!

If it were someone else, he would definitely not bring it up! Because he knew that even if he brought it up again, others would not give him a second chance.

"Then tell me, what is the reason you figured it out?"

Well~ Even though they are relatives, Chen Zixuan's leader and uncle did not immediately agree to Chen Zixuan's request. Instead, he put down the lunch he was about to eat, with a serious expression, and even began to release a hint of oppression from a superior to an inferior, and asked Chen Zixuan why he suddenly figured it out and came to him to talk about this matter.

"Well... the reason is... to give my future woman a better life!"

Facing the question, Chen Zixuan thought for a moment, and finally his expression became serious! He told the superior in front of him the reason without showing any weakness!

As for Chen Zixuan's uncle? After hearing his answer, the expression on his face did not relax!

Instead, he continued to release this sense of oppression from the superior to the inferior to his nephew!

Only when Chen Zixuan, who was staring at the inexplicable pressure and looking into his eyes, began to sweat slightly on his forehead, did he start to smile.

"Heh~ brat, your answer is a common one~ But it is indeed what a man should do. It seems that the girl with twin ponytails has a great influence on you~ Okay, in a few days, when I finish the work on hand and have free time, you can come to my house directly to find me, and then I will take you to complete the vehicle transfer procedures."

After saying this, there was a hint of helplessness in his smile, but Chen Zixuan's uncle, who had just taken a slight action, lowered his head and picked up the lunch box on the desk in front of him, picked up the chopsticks and started eating again.

But who would have thought that just when Chen Zixuan's uncle was about to pick up his chopsticks and eat the lunch box that Chen Zixuan brought him!

Chen Zixuan's next words made his uncle put the lunch box he had just held in his hand back on the table.

"Uncle, besides this, there is one more thing I want to ask you."

"what's up?"

"I heard from my aunt that when you started your business, you only had tens of thousands of dollars. A 48-ton Auman GTI large-scale truck, even a second-hand car that was % new, cost far more than yuan. At that time, I heard from my aunt that apart from my parents, there were not many relatives willing to lend money to you to buy a car and start a company. At that time, my family's financial situation was also very ordinary. If we scraped together money, we could only get tens of thousands of dollars at most. But when you started this transportation company, you bought five imported new cars at once, each of which required a down payment of about yuan. Even with a loan, this was obviously far beyond your budget at the time! So I want to ask you..."

At this point, Chen Zixuan's eyes suddenly condensed! Then, with an extremely serious look, he asked his uncle, whose eyes became more serious than before after hearing his analysis!

"At that time! How did you get the millions of dollars you conjured up like magic to buy those five brand new trucks?"

"...Why are you asking this? If it's just to give your woman a better life in the future, then your question is clearly over the line!"

At this moment, Chen Zixuan's uncle seemed to get angry when faced with the question raised by Chen Zixuan...

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Ahem! I just got home not long ago. It might be a bit difficult to write three chapters before 12 o'clock today. I'll try my best~

Anyway, from now on, including this chapter, three chapters will definitely be released!

over!

Also, please give me votes!!!

Chapter 117 Go Crazy with You

"It is indeed a loan, but it is not the kind of usury you think it is."

"what is that?"

"Home mortgages with interest rates much lower than loan sharks."

"Mortgage?"

Upon hearing this, Chen Zixuan was a little confused, because in his knowledge, he had never heard of a house worth six or seven hundred thousand yuan being able to get a loan of millions!

This is unheard of!

Faced with Chen Zixuan's confusion, his uncle smiled silently at this moment.

"You must be wondering how you can use a house worth 600,000 or 700,000 yuan to borrow money far exceeding its value, right?"

"Well... this goes against common sense..."

Seeing that his uncle had answered the question in his mind with just one word, Chen Zixuan had no choice but to nod and admit it truthfully.

And what about his uncle? Looking at his curious eyes, he fell into a moment of silence...

After thinking for a long time, he spoke again.

"This is actually very simple. Do you know about second mortgages for houses?"

"I know. Isn't it just taking the unpaid mortgage from the bank and getting another loan? Wait! Uncle, what are you saying?!"

At this point, Chen Zixuan's face suddenly showed a flash of enlightenment! He seemed to have grasped what his uncle wanted to say to him!

"Got it? Haha, it seems my nephew is not that stupid. The general bank's loan interest rate for houses is 70%, which means that a house worth one million can only lend about 700,000 yuan. When I first started, I just used the money from my first mortgage loan to pay the down payment for three houses, because the down payment for a house is at most 100,000 or 200,000 yuan, and at least tens of thousands of yuan. Then, I used the money from the first mortgage loan to buy a house as a down payment for a second mortgage, so that I could borrow more money and free up money to buy a few more houses through loans. Finally, I used all these houses to apply for a second loan..."

"In this way... you can use the method of creating new houses... to directly withdraw millions of funds from the bank..." At this moment, Chen Zixuan finally understood what his uncle said.

In fact, his uncle's method is also very simple! He first bought a house with a down payment, and then applied for a second loan from the bank with the money from the down payment. After the bank receives your loan application, it will pay off all the money owed on the house in advance, and then reposition the money for your house and lend it back to you at a higher interest rate!

For example, as mentioned before, your house is worth one million yuan, and you can borrow about seven hundred thousand yuan through a mortgage loan. Then you can use the seven hundred thousand yuan to separate about four hundred thousand yuan into two houses worth about one million yuan. In this way, you will not only have three hundred thousand yuan left, but you can also use the two houses bought with loans to borrow another seven hundred thousand yuan, which is about one million and four hundred thousand yuan. Together with the remaining three hundred thousand yuan, your liquid funds will become one million and seven hundred thousand yuan!

What you did at first was just spending about 200,000 yuan of your own money to pay the down payment for a house!

Of course, this is not the most important thing! The most important thing is that even if your business fails and you cannot pay back the high second loan amount for the three houses, in the end, as long as you manage your relationship with the bank better, the bank will just take back the three houses you cannot pay back, and then hit your credit rating to the lowest point! You will not be able to borrow a penny from the bank in the end!

There is a high probability that the risk of going to jail is avoided!

Of course, you still have to pay some liquidated damages to the bank.

So the question is, which side will lose if this method is used?

The real estate developer? When the real estate developer sells the house, the bank has already paid the full amount of the house to the real estate developer!

The bank? Since the house is mortgaged, if the mortgagor cannot repay the loan, the bank has the right to reclaim the house and auction it off!

Lenders? Even if the loaned house is reclaimed by the bank, the millions of dollars of loan funds are already in the lender’s pocket!

So from whom did this huge sum of more than one million yuan come?

This question... well, I'll leave it to the readers!

"This is not the scariest thing... The scariest thing is, if you take out loans for five houses, and then use the money to buy two houses in full... The other houses will be reclaimed by the bank because you can't pay back the money, but the house you paid in full will never be reclaimed, and then you will have two more houses out of thin air... Isn't this a typical case of getting something for nothing?"

Chen Zixuan, who had fully understood his uncle's original method of starting his business and even guessed the subsequent actions, couldn't help but look stunned by this method which could basically be called getting something for nothing.

And what about Chen Zixuan's uncle? After hearing the method that Chen Zixuan had deduced, he couldn't help but show a slight approval on his face, and nodded to Chen Zixuan who was in a daze after deducing this method.

"Well...theoretically, you can do that, but the result of doing so may escalate this case, which should have been a civil lawsuit, to the level of a criminal lawsuit, or increase the chance of it becoming a criminal lawsuit. Xiaoxuan, if you really want to use my method to get a loan to start a business, don't use the method you have deduced, because this method already constitutes a fraud."

"I understand uncle...I won't do that..."

In the end, Chen Zixuan, who felt that his speculation was against his conscience, immediately agreed to his uncle's warning.