I chatted with Nong Qingying before and learned that I was applying for a mortgage loan.
Su Yehao got the phone number of the bank manager who helped her get a loan from Nong Qingying. It was a Japanese company called "First Quanye Bank".
Originally, Su Yehao was resistant to such a "little famous" bank.
He didn't know much about it, and it was the first time he heard of First Quanye Bank. Naturally, he thought it was not a big company and looked like a motley crew.
But Nong Qingying told us that the past few years have been difficult for Japanese banks. Bankruptcies have led to bankruptcies and reorganizations. In order to compete for business and compete for the market, the discounts have been quite strong.
On the basis of borrowing money according to the prescribed interest rate without unknowingly disrupting the market order, rebates can be made in other ways.
The word "rebate" immediately aroused Su Yehao's interest.
After Japan signed the Plaza Accord, housing prices plummeted and the economy slumped.
Su Yehao knows that Japan's banking industry is still in the so-called lost era.
There is a copy of "Tokyo Love Story" by Yin Liuli's bedside. The cover of this book was shaking a few days ago, and Su Yehao happened to see it.
Afterward, I flipped through a few pages and saw the vertically arranged traditional Chinese characters, which made my head spin.
Of course.
It may also be due to lack of oxygen and dizziness.
Anyway, during the fun at the racing track, the Hong Kong Branch of First Quanye Bank arranged for a manager to arrive with two clerks and asked Su Yehao to discuss the details of the mortgage loan for the luxury home.
A large amount of money is involved, so you have to be cautious.
Su Yehao hadn't changed into his professional racing suit yet, and his shoulders were hurt by the four-point safety belt. It was a rare opportunity to step on the accelerator. He had just had enough of it and almost rushed onto the grass.
Three bank clerks, all locals from Hong Kong City, greeted him one by one and handed him their business cards.
Always afraid of accidentally suffering a loss, Su Yehao warned: "The mansion I live in in Shangfeng Shengshui is similar to Miss Nong Qingying's apartment. It cost several million more to renovate. If I take a loan now, the most I can give is
How much should I borrow?”
"I would like to ask, what are the real estate certificates..."
"It's all there, all complete, in my hands."
After speaking, Su Yehao did not forget to add: "I asked other banks before, but Miss Nong told me that your bank has low interest rates and rebates. Today I mainly want to know more about it first."
Ambiguous routine.
The implication is that we should cooperate with whichever bank offers the best benefits.
The manager named David in English heard it and put a smile on his face:
"Our bank is in a period of expansion. If you ask anywhere, we will definitely offer the best deals here. Generally, we can grant loans at 30% off the appraised price. If the size of the house is the same as Miss Nong's, it should be around 35 million, which should be no problem.
If someone is responsible for the guarantee, you can get more loans. I think you look familiar. May I ask, young master...who are your parents? And what is the purpose of the loan? Can't you tell me?"
"Do I need to check my household registration for a loan? I just don't want to take money from my parents, so I want to take a loan and invest in my own business. Don't worry, the purpose is definitely the right way."
Su Yehao put on a rich young face.
I thought it would be best to take advantage of the opportunity and borrow more. Compared with the possible profits, the bank interest is quite cost-effective.
There is a saying that rich people are good at using bank money to make money.
Although he didn't have much money in his previous life, Su Yehao remembered these words.
So, he continued to say to Manager David: "If you don't ask others to guarantee it, I can guarantee it for myself. I have an account with more than HKD 60 million in assets at Standard Chartered Trust and Financial Management Company, a subsidiary of Standard Chartered Bank. I will be old when I become an adult."
My parents insist on letting me learn to manage money, which is really annoying."
Versailles.
Blatant Versailles.
Su Yehao was worried that there would be problems with the loan approval, so he seized the opportunity and showed his hand.
Manager David's face trembled.
Fortunately, I often deal with rich people and I can still stay stable.
The two young girls behind him, whose fire power was not strong enough, had already surrendered, their nymphomaniacs written on their faces.
Su Yehao is handsome and kills 95% of the people first.
Because I'm young, I'll add a few points.
In addition, he is a rich man with tens of millions of real estate and other assets. He has sound limbs, a clear mind, and no obvious bad quirks.
Taken together, these are enough to kill more than 99.9999% of men instantly.
It can only be said that Su Yehao has always underestimated his competitiveness in the eyes of the opposite sex.
Zhao Yimeng's dislike, Jiang Yu's indifference, Nangong Tian's humiliation and bearing the burden, Linda Yun's emphasis on study... these invisibly caused him to misunderstand.
In fact, once you lower your standards.
Many times, when he steps on the accelerator and the supercar roars a few times, the girls chasing him should line up.
Men are easily distracted when meeting beautiful women, and the same is true for girls.
This also explains why even though he is notorious, every Valentine's Day, there are always more love letters in Su Yehao's desk drawer, hoping that he will mess with her.
It is normal for two clerks to stare at Su Yehao for his nymphomaniac behavior...
Find a place to sit and chat with Manager David.
Later I discovered that the annual interest rate for bank loans in Hong Kong City is as high as 8.5% to 9%. Even if the loan period is long and the maximum discount is obtained, it can only be about 7%.
But if you go to Japan for a loan and borrow Japanese yen directly, the loan interest rate can be around 2.45%, and you can also enjoy discounts.
Someone once said that the mortgage interest rate is affordable. Isn’t this thing much lower than the mortgage interest rate?
Su Yehao was instantly moved, and finally understood why Manager David kept asking him what he was going to do with the loan.
If you use it to continue buying Yahoo stocks, or take it to the mainland for business, there is no need to operate it directly in Hong Kong.
He has real estate and asset mortgages, which is suitable for this kind of loan.
For ordinary people, the amount of funds is too small, and no one will take care of it.
I still have some questions and worry about being cheated.
Su Yehao was very moved because he knew too little about these aspects, but he did not give a reply for the time being.
Then I made some insinuations and asked Nangong Tian, He Shaofan and others, and found out that a lot of rich and capable people were doing this. It was quite normal and very common.
Su Yehao sighed at this... Judging from his perspective, he was indeed a fake third generation.
Don't blame him for not being smart enough.
I just know too little and have never been exposed to it.
What's more, there was no need to contact him before, after all, he couldn't even afford a second-tier house.
In this way, the loan problem will be solved soon, and the price will be much lower than Su Yehao imagined.
The key right now seems to be to find someone who knows the business and is responsible for controlling risks and helping to make plans.
Zhugan's parents run an accounting firm, which is actually quite suitable.
However, Zhugan's parents have a close relationship with Sihai International. If they are too close, the news will easily reach the ears of Mr. Su.
Until then.
Only then did Su Yehao realize that there was no one around him who could do anything.
Yin Liuli can barely count as half, limited to restaurants and cafes.
She couldn't help at all in this matter.
Think about it.
In the end, Su Yehao pulled the bamboo pole aside and first asked if his parents' accounting firm would adhere to principles and keep customers confidential 100% if it accepted business...
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In the evening, we finished eating in Central before taking a boat back to the casino.
There is still class tomorrow.
After returning to the casino, the group of them continued to swim at He Shaofan's house. The light blue water sparkled under the light.
Nangong Tian, this little girl, is charming on the outside and stable on the inside.
Buck-toothed Jun asked her why she didn't change her clothes and go into the water. She said her figure was too good and she only wanted to show it to Su Yehao.
After being forcefully stuffed with a large mouthful of dog food, Bucktooth Jun's whole body felt bad.
After swimming, He Shaofan felt that it was not enough, so he suggested going to the casino.
You can enter if you are 18 years old, they all meet the age limit.
Leave it to the past.
Su Yehao is always the first to respond.
Tonight, he said: "I am inseparable from gambling and drug addiction, and no one can try to drag me into it."
Nangong Tian smiled happily at first.
Only then did she realize that there seemed to be something strange...
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At the entrance of the Beauty Palace Club, there were two more mainlanders tonight.
Wandering back and forth, lingering for a long time.
Aren't they the representatives of Yinhai Software Company? They heard that Father Su likes to come over and specially block people.
The security guard at the door looked at the two of them with a bad look.
I was wondering if it was a paparazzi, a thief, or someone who caused trouble...