Tao Zhiming said while adjusting his cuffs and lapels: "After all, the resume I filled out at that time stated my height and weight."

Fortunately, Tao Dalang is not out of shape and is not a fat guy.

He walked to the bathroom mirror. After all, he was wearing a new high-end suit, which indeed made him look even more handsome.

"Miss Runa, please help me cut off the label. That's it. There's no need to change it."

"Haiyi!" Runa Onodera walked over, "Um... just use a fruit knife."

"Anything is fine."

Onodera Runa took a knife from the shelf in the kitchen and reached out her hand.

Her fingers touched the back of Tao Zhiming's neck, and she took out the tags of her coat and shirt.

She quickly glanced at him in the mirror from the corner of her eye, and saw that he was also looking over here. He immediately pursed his lips and carefully prepared to cut the rope.

The sharp blade was pressed against the back of his neck, and she felt a sense of trust in her heart.

Then came the tag of her trousers. She squatted on the ground. Suddenly she felt that this action seemed too close, and her heart beat a little faster.

After quickly finishing all the tags, she quickly stood up: "It's done!"

After saying that, he put down the fruit knife and quickly walked to the side where the garbage was thrown with a few tags in his hand.

She was afraid that her reddish face would be seen.

Tao Zhiming didn't pay attention to this. Just as he looked around in the mirror, the door was knocked again.

"He must be from the bank." He walked towards the door casually.

Although I have unexpectedly received a huge sum of money totaling 1.26 million yen, this only allows me to have room for additional limited margin, and is not enough to withstand greater leverage.

If the loan amount can be 30 to 50 million yen, then you will have more than 200,000 yen on hand, and you will have more room for maneuver.

When he opened the door, it turned out to be Kusakabe Segawa from the bank, accompanied by a female employee.

When he saw Tao Zhiming, his eyes lit up, and then he smiled and said, "Good evening, Mr. Tao, you look even more handsome today!"

Tao Zhiming smiled modestly, and then asked: "It's really troublesome for Brother Segawa to come over so late. Who is this sister?"

"She is my colleague Yuan Ximu."

"This is our first meeting, please come in..."

After entering the house, Kusakabe Segawa and Minamoto Hiki were slightly startled when they saw Ueno Yosuke and the other two people inside.

Tao Zhiming introduced: "His name is Ueno Yosuke, and he is my classmate. This is Ms. Runa and her daughter. Yosuke is tutoring Yako-chan. I'm sorry."

"Ah! Then Ueno-kun is also a genius at Todai. Himiki-chan, please give Ueno-kun your business card as well."

That Yuan Ximu immediately stepped forward, bowed and handed a business card with both hands: "Ueno-kun, please take care of me!"

Ueno Yosuke felt a little panicked, so he took the business card and returned the gift: "This is our first meeting, thank you very much!"

"Brother Segawa, please wait a moment. I have already sorted out the information." After saying that, he went into the room and took out the information that he had sorted out last night. He sat down at the low table and said, "The total purchase price at that time was almost 25 million.

There are still more than 11 million yen that have not been repaid. Now, the real estate company has come to negotiate, hoping to purchase it for 70 million yen. Please ask Brother Segawa to evaluate how much amount can be approved if it is used as a mortgage."

When he mentioned the figure of 70 million yen, Onodera didn't react at all. In fact, this was the first time Tao Zhiming said a very clear psychological price for her.

To be honest, maybe the president can agree.

However, since I heard that he was asking about a loan, I'm afraid... he's not going to sell the house so easily, right? After all, if he needs money, he can get it this way.

Could it be that they are preparing to wait for housing prices to rise further and propose a higher price?

But Mogami Kosan is determined to win, so the president...maybe he can't help but resort to some kind of harassment method, right?

He said he wanted to meet and talk with the president. What did he want to talk about?

Not only did Onodera Runa listen to Tao Zhiming's words, but Kusakabe Segawa also nodded while looking through the information.

Tao Zhiming found all the information. The house loan contract with the bank, the purchase and ownership certificate of the house, including Tao Dalang's identity certificate, all the required information is here.

It can be confirmed that the property rights of the house are clear, and they also know the current house prices in this area of ​​the port area.

When he got to the actual site, he almost had an idea in his mind.

After putting down the information, he joked: "Tao Jun is a man who owns a mansion in Minato City. He is also a genius at Dongda University. He is so handsome. How about you, do you want to join Ueno-kun and have a chat with our beautiful bank members?"

Our friendship?”

Ueno Yosuke, who was sitting not far away, was stunned. Tao Zhiming smiled and said: "Brother Segawa is really funny..."

"I'm quite serious." Kusakabe Segawa looked him up and down, "Armani? It seems that today's explanation will go smoothly? Is this Sumitomo's work? He is indeed a powerful giant!"

"...I made Brother Segawa laugh. I couldn't help but just put it on and try to see if it fits." Tao Zhiming said noncommittally, "How is it? How did Brother Segawa evaluate it?"

"70 million is a figure with a premium that Tao Jun proposed based on the current real estate company acquisition. In fact, based on the current market price, it is about 45 million to 50 million. Apart from the house loan, Tao Jun has no other credit

consumption record, but this at least shows that Tao Jun’s financial situation is good. Coupled with Tao Jun’s academic qualifications, if this real estate is used as a mortgage..."

He thought about it and said, "I can probably give Tao Jun a loan of 40 million yen."

"But..." Tao Zhiming thought for a while and said, "Once interest rates start to fall, interest rates will probably continue to be cut until the adverse effects of exchange rate changes on manufacturing and exports are eliminated. This is my judgment. Deposits

It’s not that cost-effective, so I will still invest in real estate with higher returns. Otherwise, the real estate company would not be so eager to acquire my house. Therefore, the loan amount should take into account the foreseeable future.

Appreciation is."

After he said these words, Kusakabe Segawa looked at him in surprise.

"Besides, even if I decide to sell this house soon, I can probably get 60 million yen. So, can this amount be as high as possible?"

"...Tao Jun really surprised me. You are worthy of Todai." Kusakabe Segawa sighed sincerely, and then said, "Actually, considering this factor, I can make the decision and get 5,000 for Tao Jun."

The limit is 10,000 yen. If it exceeds this number, the risk will be difficult to control.”

"I understand." Tao Zhiming asked, "So, what about the interest rate?"

"Real estate loan..." Kusakabe Segawa asked, "It depends on how many years Tao Jun chooses the loan term. The amount of 50 million yen is indeed at least 5 years, so the pressure will be much less."

"But loans with a term of more than 5 years also have the highest annual interest rate, right?" Tao Zhiming asked with a smile, "How much interest rate can be given?"

"Sure enough..." Kusakabe Segawa smiled again, "For 3 to 5 years, it is 9.36%, for 5 to 10 years, it is 10.08%, and for more than 10 years, it is 10.8%. Tao Jun, with my authority,

There aren’t many that can be adjusted down.”

Tao Zhiming bared his teeth: "So many?"

In my impression, wasn't it that when hot money became rampant, the interest rate for those customers with strength would even be as low as about 4%?

He thought about it for a while, and it was true that large-scale fiscal stimulus has not yet started, and interest rates have only been lowered a little.

Considering the future trend, it doesn't matter.

In the face of this financing cost, the income is even more considerable, so he asked: "Sure enough, we can only consider long-term loans, so the pressure will not be so great. But Brother Segawa, is it too high for more than 10 years?"
Chapter completed!