To be honest, Chen Feng and Tsai Chi-sin are not very familiar with each other. They had crossed paths before because of the purchase and sale of houses. Now he actually said that he would lend 20 million to Tsai Chi-sin, and everyone present was deceived.
It's understandable to make money by working on projects together, but everyone couldn't understand just lending him 20 million.
Cai Zhixin was also stunned for a moment and forgot to react.
Tao Yaoyang was the first to come to his senses and asked with a smile: "You are really brave. But how to borrow these 20 million? How much is the interest?"
Chen Feng looked at Cai Zhixin calmly and asked: "It depends on how long Zhixin has been borrowing?"
Cai Zhixin finally came to his senses and said quickly: "It's best to borrow it for one year. You all know that for this kind of official project, sometimes the payment will be slower."
Chen Feng nodded and said: "One year is no problem, and my interest is not excessive. As long as you pay me back 25 million after one year, how about it?"
For a loan of 20 million yuan, the interest rate of 5 million yuan a year is really not that much. For the private sector, it is already considered a low interest rate.
Tao Yaoyang asked with a smile: "Do you want any mortgage?"
Chen Feng shook his head and said: "No mortgage is required, as long as Brother Tao you be a witness in the loan contract."
Tao Yaoyang glanced at Cai Zhixin and saw the pleading look on his face, so he smiled and nodded: "Okay. I will be the witness."
"Thank you, Brother Tao! Thank you Chen Feng! I have made you my friend. If anything happens in the future, just call me."
With a happy face, Cai Zhixin poured himself a glass of juice as he spoke. He stood up and made a toast to Chen Feng and said, "Chen Feng, I will toast you with this glass of juice. Thank you again. I'll drink it."
After saying that, he drank up the full glass of juice in one go.
They hadn't ordered any wine before, so there was only the juice brewed by this restaurant on the table, which was sour, sweet and delicious.
Chen Feng didn't take much. When he saw this, he picked up the juice in front of him, stood up and said with a smile: "You're welcome. I didn't lend it to you for free, it was calculated with interest. I did it too."
After picking up the glass of juice and finishing it, Chen Feng didn't say anything else and sat down. His attitude made Cai Zhixin even more satisfied and grateful.
He was at the end of his rope this time. After his divorce, his father basically cut off his financial supply and left him to fend for himself, relying only on some of his previous savings and real estate.
Coupled with several attempts in the stock market, his assets shrank rapidly, so he shamelessly begged Tao Yaoyang, the boss of the dock, to find a profitable project, and then spent a lot of money to sell a house to raise money.
But Tao Yaoyang had already told him that he could help him find the project, but he had to find a way to fund the operation himself. So, after seeking Tao Yaoyang's consent, he planned to bring Chen Feng, the big financier, into the game.
Before, Tao Yaoyang sold the house just as a matter of course, and of course it was also to test Chen Feng's financial strength.
Seeing that Chen Feng bought his house without blinking an eye, of course it proved that he had strong financial resources, and since he was an outsider with no foundation, the two of them were naturally willing to bring him into their circle.
They didn't intend to trick Chen Feng, after all, this society now values cooperation and win-win, rather than living alone.
Especially when you can't find out the true details of the other party, cooperation is in everyone's best interest. And how many of those who eat alone have a good ending in the end?
Furthermore, Chen Feng has abundant funds. Even if he doesn’t have any foundation on the surface, who knows if there are powerful people behind him?
Anyone who is truly rich these days does not have many powerful relatives, friends or backers behind him.
Therefore, it is of course best not to offend such a big benefactor.
What's more, after all, he is not a fool, and he is not easy to cheat. In addition, Tao Yaoyang is still thinking about raising funds for his fund. Chen Feng, the big financier, definitely doesn't want to offend him for the time being.
Therefore, Tao Yaoyang also planned to use the opportunity of helping Cai Zhixin to take over the project, and by the way, let Chen Feng get some benefits, and at the same time, let Chen Feng see some of his own energy.
After Chen Feng tasted the sweetness this time and owed him a favor, it would be much easier to get him to invest in his fund company next time.
This was Tao Yaoyang's plan from the beginning.
As the second generation, he has accumulated so much wealth from "self-made" over the years, not only by relying on his family connections, but most importantly, because he has the ability to be bold and careful in calculations. At the same time, he is not very greedy and knows how to share the benefits.
principle.
In this way, his business can be long-term and stable, and he will not make enemies everywhere.
Cai Zhixin didn't know that Tao Yaoyang wanted to get money from Chen Feng to invest in his fund. He always thought that his eldest brother was just helping him this time, and he was very grateful.
As for whether Tao Yaoyang will lend him 20 million like Chen Feng, Cai Zhixin doesn't really care. Because this project mainly requires a relatively large initial investment and requires a lot of funds to be advanced, but in the later stage, it actually won't require much funds.
But in the later period, when we were really short of money, would Tao Yaoyang, as the introducer, middleman and beneficiary behind the scenes, just stand by and watch? Absolutely not.
Besides, at that time, if he had a legitimate reason and really asked the old man for help, the old man would definitely help. After all, he was the old man's biological son.
And Chen Feng did not hesitate to ask Tao Yaoyang if he also lent 20 million to Cai Zhixin.
The reason is simple. He, an outsider, lent 20 million to Cai Zhixin. As Cai Zhixin's eldest brother, wouldn't Tao Yaoyang not lend it? Not to mention, he had just sold a house and received 22 million.
It can be said that the guests and hosts enjoyed the meal till this point.
At least Tao Yaoyang and Cai Zhixin are very satisfied.
It's already evening now, and the bank is already closed, so it's difficult to handle large transfers.
So Chen Feng made an appointment with Cai Zhixin to meet at the bank tomorrow morning.
The meal lasted until almost nine o'clock in the evening.
Finally, when he was about to leave, the owner of this private restaurant came over to greet him personally, so Tao Yaoyang, who was very good at being a good person, acted as an introducer to Chen Feng and also applied for a membership card here.
To apply for a membership card here, you must be introduced by an existing member, and the number of places is limited.
The annual membership fee starts at 200,000 yuan. Ordinary members are 200,000 yuan and VIP members are 500,000 yuan.
Ordinary members can only book banquets here one week in advance, VIP members can book three days in advance, and Supreme members can book at any time. Tao Yaoyang is the Supreme member here, and now there is no Supreme membership quota here.
Chen Feng was very dissatisfied with the membership system here. However, after eating the food here, when he went to eat food from other places, not only was the quality different, but the taste was also the same.
Moreover, I heard that this ancient building courtyard was once the residence of a prince. It is a cultural relic protection unit and cannot be entered by ordinary people. This is the style and class.
Coupled with the special ingredients and ancestral Xiuzhou cuisine cooking skills, it is no wonder that some wealthy people come to patronize it. More importantly, it is secret and quiet enough here, which makes it convenient for wealthy people to bring some people with special status to spend and talk.
things to enhance friendship.
Chen Feng didn't have such a need, but the food here was indeed the best he had ever tasted. Chen Feng was not short of money, and Tao Yaoyang was kind enough to be his introducer, so he didn't hesitate much and went straight to the place.
One million, I applied for a VIP card here, of which 500,000 is the one-year membership fee, and the other 500,000 is the money paid in advance.
In this way, Chen Feng can be regarded as experiencing the real consumption of the rich.
After leaving this ancient building, they went their separate ways.
Wu Mengting was driving, and Chen Feng and Sun Xiaorui were sitting in the back seat.
"Brother, are you really planning to lend 20 million to that person?"
Not long after the car drove out, Wu Mengting, who had been holding back for a long time, opened her mouth to ask questions.
Chen Feng nodded and said: "Of course, we have agreed. Besides, you can earn five million in interest a year, why not earn it?"
"Aren't you afraid that they will team up to cheat you? What will you do if the other party doesn't pay back then?" Wu Mengting asked worriedly.
Chen Feng smiled confidently and said: "They really didn't mean to trick me this time. The project they talked about should be true. Cai Zhixin made money by then, and he himself said at least 20 to 30 million, he could cheat me
Five million? What’s more, it’s impossible for him to renege on the loan contract written in black and white. I can definitely go to court and sue him. Now is a society governed by the rule of law.”
"Is that project real? Are they really so kind?" Wu Mengting still didn't believe it.
Chen Feng smiled and nodded and said, "It's true."
Chen Feng also suspected that this was a trap at first, and that the other two were trying to trick him. But then, he immediately thought of his mysterious sixth sense that can now "pre-warn".
At that time, his sixth sense did not warn him at all, but gave him a vague feeling that this project was really profitable.
It's just that Chen Feng is really not very interested in this money-making project. Instead of working hard to participate in this project, wouldn't it be fun to just speculate in stocks easily?
However, the other party has good intentions after all, and if I don't appreciate it, I will really offend these two local snakes.
Especially for Tao Yaoyang, a boss-level figure. Although Chen Feng didn't know his specific family background, Cai Zhixin, a well-known local second-generation rich man, was humble and petty in front of him. In addition, the third generation of Hongshu Bay
Villa No. 8, can it be simple?
Chen Feng was not afraid of this person, but there was no need to offend him. Besides, he had always been polite to him. He sold Villa No. 8 to him at a low price and even invited him to dinner.
So, Chen Feng came up with this method of borrowing money. Firstly, since he felt that this project was profitable, he would not worry about lending money to Cai Zhixin if the other party would not repay the money, but could earn a sum of interest; secondly,
I have made friends with two local cowards. Regardless of whether it will be useful in the future, it is definitely better to be friends than enemies.
Of course, the most important thing is that Chen Feng now takes money very lightly, it's just 20 million. What's more, if he lends it, he will get interest, so he won't suffer any loss.
"I still don't believe that the other party can be so kind." Wu Mengting was a bit stubborn and didn't believe it. "If this project is really going to be so profitable, and you are not related to them, why would they want you to join them?"
Chen Feng explained patiently: "This is actually very simple. Cai Zhixin is short of money, and Tao Yaoyang directly intervenes because of his poor status. And I have money, but I am still an outsider. This can give them good control. To put it simply, if I find someone else to partner
If one of them is afraid of leaking the news, the other will definitely take an extra share of the profits. If it were me, it would be different. For example, if they partner with others, under the same conditions, they will take 50% of the profits, but I and they only need to give up.
Just pay 30% or even less profit."
Sun Xiaorui reminded her: "That Tsai Chi-sin told you before that you would get a 50-50 share of the money."
Chen Feng said with a smile: "What he said at the time may be true. After all, he was eager to get me to join the business. But people's hearts are unpredictable. When I actually invested money in, I didn't understand the project, and I couldn't keep an eye on it. He had a lot of money.
He tried to trick me by overestimating costs and underestimating profits. In addition, I think he meant that I had to contribute at least 70% to 80% of the capital before we could split it 50/50 with him. With other partners, it wouldn't be so easy."
The two women were a little surprised at this.
Wu Mengting said a little unfairly: "I knew they were not so kind. They just thought you were rich and easy to handle, so they planned to recruit you. In addition, there may be other plans. That Tao Yaoyang looked sinister and cunning.
It’s better that we have less contact with people like this in the future.”
Chen Feng smiled and agreed: "You read that right. Tao Yaoyang is a scheming master at first glance. However, this kind of person has an extraordinary background, can also scheming, is handsome and rich, and is really the darling of God.
It’s not like me, the son of a farmer, who has been severely beaten by society since I was a child. Through hard work and good luck, I have achieved such a small success."
"Is it hard for you to make money now?" Wu Mengting couldn't help complaining.
Sun Xiaorui didn't say anything, but she believed it in her heart. It's really easy for Chen Feng to make money now.
"It's very hard. Do you think it's easy to make money by stock trading? Every time I choose stocks, I have to expend countless brain cells. In addition, I have to secretly establish some ulterior relationships. This is also very hard and troublesome."
"Okay, okay. Thank you for your hard work."
After Wu Mengting said something perfunctory, she stopped talking and drove the car silently.
The next day, at around nine o'clock in the morning, Chen Feng went to the nearest bank as scheduled, signed a loan contract under the witness of his lawyer and Tao Yaoyang, and transferred 20 million to Cai Zhixin.
After receiving the money, Cai Zhixin immediately expressed his pleasure to treat him, but Chen Feng finally refused.
And Tao Yaoyang also smiled and sent an invitation to Chen Feng, saying that there would be a high-end party in their circle tomorrow, and that there would be some business leaders and some celebrities and socialites attending. If Chen Feng went, he would invite people there later.
Send him an invitation.
As a result, Chen Feng said directly that he was not interested in this kind of gathering and stopped going.
Although Tao Yaoyang was mentally prepared, he couldn't help but be surprised. He made it so clear that this was a high-end party, but it was attended by business tycoons, celebrities and socialites, but Chen Feng still didn't go.
Tao Yaoyang could only smile bitterly and said: "Chen Feng, you can't do this. You are also a wealthy person now, so you can't just stay at home and be a homebody every day, right? Attend more such gatherings and get to know more energetic people. I have nothing but respect for you.
There are no advantages or disadvantages.”
Chen Feng said very frankly: "I don't like to make friends with too many people. I just want to live my own small life. I appreciate your kindness."
Tao Yaoyang was so convinced that he could only shake his head slightly with a complicated expression, then waved to him and turned to leave.