There are no formal mortgage companies these days.
Those who are waiting to use money to mortgage things can only find private lenders.
As for bank loans, they are not readily available. Moreover, Lao Li's business has not yet started and he has not even obtained a business license, so even if he applied for a bank loan, the bank would not give him a loan.
Therefore, when you wait to use the money, you can only mortgage the valuable things in your home.
He heard that Cheng Guanli had mortgaged two calligraphy and paintings. He had no valuable antiques at home, and the only thing he could take out was his house.
But the current house is too worthless. Just mortgaging the house is not enough. He has to borrow money from relatives everywhere.
Ordinarily, as long as you calm down and think about it, you can't do this kind of patchwork business, which is done in partnership with others.
But the three old men have already accepted the truth. They are envious of Cheng Guanli's life and are also confused by Chen Jinsheng's painting.
As the saying goes, bystanders are obsessed, they are already obsessed.
Especially Li Dalei signed up for a travel agency and went with him to experience it for two days.
I am more convinced that I can make a lot of money just by doing it.
The three fathers and sons all dreamed of getting their money back in the spring, sharing their money in the summer, and riding motorcycles in the fall, so it made sense to borrow money from everywhere and mortgage the house.
Li Dalei said: "Dad, if you really can't borrow enough money, just mortgage it. It's not a big deal. When Cheng Guanli took over the restaurant, didn't he borrow money and mortgage it? If he can do it, so can we!"
Chen Jinsheng said: "Uncle Li, I have invested all my money and borrowed money from Yin Sheng. Now I share the profit with you three at 64%. I really can't help anymore, otherwise it will be 73% or 82%."
, I might as well borrow your money and go it alone."
Chen Jinsheng has been in business for a year. He has indeed made a lot of money with his eloquence, shamelessness, and keen observation.
But when I wanted to do something big, I just jumped in all at once.
Lao Li nodded and said: "I understand this. Your hands are empty. You can't borrow it even if you want to. Don't worry about it. We will definitely get the money together before the tenth day of the first lunar month after the new year. You should prepare it, and you can't delay it."
Opened for business.”
"Don't worry, Uncle Li. I'm looking for an old minibus. I've already contacted my friend's travel agency in Shanghai. As soon as we complete the procedures, he can send us the first batch of tourists."
Lao Li hurriedly said: "Then our own travel agency has to recruit tourists, we can't rely on others."
"Don't worry about this. As long as you complete the procedures, place an advertisement in the newspaper, and then wait for endless registration calls!"
"Okay, okay, you are good at this, so let's just say that, let's go back!"
After the three masters of the Li family left, Chen Yinsheng asked about his brother Jinsheng.
"Brother, if we really make money like you said, why should we find someone who pays for it? Can't we two do it?"
Chen Jinsheng said with a smile: "Our brothers' money together is not enough. We must find a partner. This is called sharing risks and pressures. You must leave a way out in everything. If I lose, you will be my way out. Brother
Only one of the two can fail, otherwise it will be difficult to turn around. Once the business is good, the first thing I will do is to drag you and your siblings in and squeeze them out. Of course, this business belongs to our Chen family."
Chen Yinsheng smiled and said: "Okay, as long as you have this plan, I'm afraid that they will follow suit and get bigger and bigger, and then they won't be able to squeeze out."
"Hey, there's no need to worry about this. Erlei can't drive, and Dalei can drive, but when it comes to work, I'm the driver. I'm the one who found the big customers and hotels. They can only deal with retail investors. I have the right to speak. Really?
If the business is good, you can easily squeeze them out. By the way, Xiuli, you must hurry up and learn the knowledge of a tour guide, and be ready to replace Dalei's wife at any time."
Yinsheng's wife said: "Brother, don't worry, I can take office at any time. In the past few days, I have almost memorized the history of all the major attractions in the capital."
"That's good, let's wait and work hard next year!"
On New Year's Eve today, the Shuxiangxuan and hotpot branches were open for a long time and closed at around three o'clock in the afternoon.
After closing, Cheng Guanli took Su Ying, Xu Yuzhen, Lao Huang, Lao Zhao and Lao Yu to a celebration banquet.
Business was so good this year that Cheng Guanli jumped in and came back for more than a year.
From a person with only a little over 200 yuan in his body to the owner of a restaurant and a hotpot restaurant, this is a microcosm of most business people after the reform.
No wonder the neighbors followed suit.
Lao Li's family will not be idle after the New Year.
I pieced together everything here and there, borrowed it from relatives' houses, and added myself and my two sons, so I scraped together a total of two thousand.
This little money was not enough to open a travel agency in partnership with Chen Jinsheng, so I had to borrow money from those who specialized in lending money.
It’s five points higher than the bank. If you pay back the money after three months, you still have to take out the mortgage of the house.
He was fully prepared, but they only lent him a thousand yuan.
Lao Li said to Chen Jinsheng: "It's just three thousand. Every extra cent is gone. Dalei and Erlei's wife are both working. They can invest more in it when the time comes. Jinsheng, you can figure it out. If it's too little, you can do it."
, we will use this money to do other things.”
Chen Jinsheng frowned and said: "Now that it's like this, I can't force you anymore. I'll fill in the remaining holes. Anyway, the car that pulls tourists can't be replaced, so let's make do with it. We can make money as soon as possible and then replace it."
"Okay, let's just start now. Er Lei and his sister-in-law will run with you here. When the business is good, Dalei and Er Lei's wife will also join."
Chen Jinsheng smiled and said: "Da Lei and Er Lei each have a child. Uncle Li, don't you and Aunt Li have someone as well?"
"Hey! How old are we two? If we don't join in the fun, we are just helping our two sons. Then you three families will still have to share the money."
"Okay, don't worry. I will take Er Lei to pick up the car right away. Dalei's wife will go to the store first to compile the list of the first batch of customers. My friend in Shanghai has already sent it to me."
At that moment, they immediately split up and started working hard.
Since the amount of money they invested was limited, the car they bought had been driven for ten years. It looked okay, and after trying it, there were no problems, so they paid the money to take delivery of the car.
As for whether it will break down on the road, no one can say.
Chen Jinsheng plans to replace his car with a slightly newer one in a few months, as long as it lasts through the spring period.
Li Erlei thought the same way, and he had to be accommodating at the beginning.
As a result, the first time we took tourists to the Great Wall, it broke down halfway.
Chen Jinsheng and Li Erlei were so angry that they got under the car and repaired it for an hour.
The tourists were naturally complaining. This was the first time a tourist encountered this, which was really bad luck.
Chen Jinsheng discussed with Dalei's wife and Erlei that it was important to keep his reputation, and he should not lose his reputation in the industry for the first time.
The only way to appease the tourists was to give them discounts.
I didn’t lose any money on the trip, but I didn’t make much money either.
Just when I was preparing to try my best next time, the car broke down on the way to Xiangshan for the second time.
It broke down ten times in two months.
They are so angry that the travel agencies in Shanghai no longer provide tourist resources to them, and travel agencies from other places are unwilling to cooperate with them. It is difficult to support the business of the three companies by relying on retail investors alone.
Only then did Chen Jinsheng realize that the steps taken this time were too big and ridiculous. This chapter has been completed!