Seeing that he could not convince his parents, Zhang Yida had an idea and said:
"In this case, if you are worried, dad will go to the capital with me after the National Day, and you and my senior brother will have a chat in person. After the chat, it will be up to you, dad, to decide whether to invest or not. It happens that the capital is far away from the Nanhe River in Yandi.
It’s very close and won’t delay the inspection!”
This proposal was exactly what Zhang Qinghua wanted, and he agreed immediately. His son had been pestering him here, giving him a headache. Anyway, when the time came, he went to the capital, met those college students, and said that he had been doing business for twenty years.
From experience, you can still tell something.
If there is really a group of capable young men, not the kind who can only talk on paper and have hope of success, then I will use one million to buy a share for my son.
Didn’t I unite with the villagers to start a township enterprise when I was twenty years old, and then step by step get to where I am today?
Seeing that his goal was achieved, Zhang Yida stopped worrying. He put away his luggage, washed himself and went to the second floor.
His parents were too lazy to go up the stairs so they stayed in the bedroom downstairs, but he liked living upstairs where he could open the window and look at the stars in the night sky.
He took out his cell phone and dialed Lin Zhenyang's number.
"Oh, I met a few Aoki computer majors! I found a few suitable ones!"
"That's great. The technical aspect is basically solved! Thank you for your hard work, Senior Brother Lin!"
"Let me go, you also contacted the school and applied to join the Global Student Entrepreneurship and Innovation Center of Kyungseong University?"
"You didn't become chairman for nothing. Did you approve 200 square meters for us?"
"Thank you to the senior brothers, senior sisters and teachers who helped me apply."
"Have you contacted the business and operations department? That's OK, you'll be running around a lot these days during the National Day!"
"Well, no problem! The National Day holiday is over. Let's organize the team to meet together to get familiar with each other and determine the next step."
…
"I have something else to tell you, because this million came from my dad, and he said he wanted to meet and chat with the big guys."
"Yes, when the time comes, organize the team and raise your standards. Just behave like you would when meeting investors!"
…
"Well, okay, that's it, bye! See you at school!"
Zhang Yida chatted with Lin Zhenyang for more than half an hour and finally ended the call.
I focused on asking about the team's recruitment progress. It's progressing very quickly. At this rate, almost all positions should be filled after the National Day.
Then there was an unexpected surprise. The Entrepreneurship and Innovation Center just completed this year promised to let them stay for free for one year, so that they could save money on rent and do other things.
Finally, Zhang Yida explained that he wanted to get his father to invest one million, and everyone had to cooperate with him.
Lying on the bed, Zhang Yida lit a Zhonghua, smoked and meditated.
He wasn't a big smoker, but he started smoking when he was under great pressure in high school. His father didn't say anything when he caught him, he just told him to smoke less. His mother wasn't that easy to talk to, so she always "sneaked into the village" like this.
, no gun shooters!"
"It's still not safe. What if Lin Zhenyang and the others don't convince dad to pay for it?"
"Time is too tight. Even if I earn one million by the same method as in my previous life, it will be next year at the earliest. Even having one million by then will be useless. The best window for starting a business has been missed!"
"Hey, aren't the two houses my parents bought in Chengdu in their own names? They were just renovated this year, so they can be used as mortgages to make some money!"
"If dad doesn't pay, he will mortgage these two houses for double insurance."
"Bank mortgages are too slow. It takes a month or two. I can't get it even if I don't have salary flow. I have no choice but to go to a small loan company. I don't care if the interest is higher!"
"It's still a bit difficult to achieve my initial plan with one million, the money is too little!"
"I might as well go to Chengdu tomorrow to mortgage two houses. If dad gives me another million in the end, it will be at least more than two million."
"Losing money? It's impossible to lose money. To put it bluntly, this project is an intermediary that sells financial traffic. If you lose money, you might as well go home and sell feed."
After making up his mind, Zhang Yida put out the cigarette butt and slowly entered Mengxiang.
The next day, the alarm clock on his mobile phone was set to wake Zhang Yida from his dream of getting rich.
He dreamed that his company was successfully listed on the Nasdaq and that he, worth tens of billions, was sitting on a private jet, drinking a bottle of Lafite from 1982 or mineral water. He couldn't remember.
After going downstairs and washing up, I drank two bowls of white rice porridge that my mother had heated in the pot.
Both parents went to work in the factory. Zhang Yida ran to his parents' room and started rummaging through the cabinets. He found two red real estate certificates, a house purchase contract, and a household registration book. He took his ID card and went out.
I took a taxi at the gate of the community and headed straight to Chengdu.
About an hour later, the destination was reached and the car parked under an office building.
After paying and getting off the bus, Zhang Yida walked into the office building carrying a black backpack and took the elevator to the eleventh floor.
After getting out of the elevator, he went straight to "Fudeng Small Loan Co., Ltd.". After briefly telling the lady at the front desk that he wanted to inquire about a loan, a young and beautiful business manager came out to receive him.
Ding Siyao is twenty-two years old this year and has just graduated from Sichuan University of Finance and Economics two months ago. Instead of becoming a bank teller, she chose to be a salesperson in a small loan company.
At first, she thought that bank tellers were paid a dead salary, had difficulty getting promoted, and had little room for development. Salesmen in small loan companies, on the other hand, had free working hours, high commissions, and their income depended entirely on ability and real ability.
But reality gave her a heavy blow. It had been two months since she started working, and she hadn't placed a single order yet. If she didn't place an order, she would be eliminated after this month.
In fact, she had several opportunities to open orders, but some customers saw that she was pretty. One time, a customer who was applying for a loan invited her to dinner, and someone touched her at the dinner table. She threw a glass of wine on the customer's face.
I ran away, and then the order disappeared.
There was another client who sent her WeChat messages every day, asking her to sing at the KTV, and also hinted that she should come to the hotel to discuss business. This client was also directly blocked by her.
She had no billing for two consecutive months because she had made good friends with the front desk lady, so the front desk lady directly handed over Zhang Yida to her.
Ding Siyao, who has slender eyebrows, almond-shaped eyes and peach cheeks, is wearing a tight-fitting black professional suit. The black stockings under the hip-covering skirt wrap two plump, well-curved long legs, and she is wearing a pair of black stilettos.
She greeted Zhang Yida warmly, and then the two of them came to a reception room and gave Zhang Yida a glass of warm water in a paper cup.
With a smile on his face, his red lips opened slightly and he said:
"What do you call me sir? What kind of loans do you need consultation on?"
"My surname is Zhang. I am doing a mortgage loan for two houses. Can I get a loan within 7 days? If not, I will find another one."
Zhang Yida said quickly.
Ding Siyao was a little happy, this was a big customer, and quickly replied:
"Mr. Zhang, don't worry, our company is the fastest in loan review in the province, and we can provide loans in 2-3 days at the fastest."
"Please show me the real estate certificate and house purchase contract first, and I will confirm with you whether the purchase conditions are met."
Zhang Yida took out the house purchase contract and the real estate certificate from his bag and handed them to her.
Ding Siyao took it, checked it carefully, and said:
"Mr. Zhang, your two houses are located in the Financial City and Software Park respectively. They are both about 100 square meters in area. The initial value is estimated to be 2 million. If the house is fully paid, you can get a loan of up to 70% of the appraised value of the house.
That’s 1.4 million.”
Zhang Yida nodded and asked about the interest rate, repayment method and loan period.
"Our interest rate is currently 6% to 1 cent and 2% per month."
"The repayment method can be divided into equal principal and interest payments, monthly interest payment, and principal repayment upon maturity."
"The loan term is 1-10 years."
"In addition, we support early repayment without penalty."
Ding Siyao patiently explained one by one. Finally, he got a big customer. He is quite handsome. He needs to catch him. This month's performance depends entirely on him.
Zhang Yida nodded to express his understanding. Fudeng Microfinance Company's situation in all aspects is considered good among small loan companies. It does not engage in any tricks and has a good reputation. This is what he likes, so he took the initiative to come to find it.
"Okay then, let's start the process!"
Zhang Yida said with a faint smile.
Ding Siyao didn't waste any time and found a loan application registration form and pen.
"Swish, swish, swish," Zhang Yida filled out the form in twos and twos, and submitted it to Ding Siyao for review, along with the household registration book, ID card, real estate certificate, and house purchase agreement.
"I see that the information you filled in this column is a student. Are you still in college?"
Ding Siyao was a little curious and also checked with Zhang Yida.
"Yes, if I were not a student, I would not come to you for a loan. The bank interest rate is half that of yours."
Zhang Yida sighed helplessly.
The work efficiency was very high, and the review was approved in a short time.
Next, Ding Siyao took Zhang Yi to the Housing Authority and went through the house mortgage registration.
After the entire process was completed, it was already noon.
"Xiao Ding, it's all done. When will my money be available?"
Zhang Yida came down after a long time and became familiar with the young lady, so he joked.
"Mr. Zhang, if you hurry up, it can be transferred to your bank card tomorrow! You will be notified by text message then!"
Ding Siyao replied respectfully. She was very happy now. This order was basically unstoppable and the order was finally placed. So she was very grateful to Zhang Yida.
"It's already noon, shall I treat you to dinner?"
Ding Siyao, who had placed the bill, was very generous and invited politely.
"We are in a good relationship, but we are worried that we haven't found anything yet at noon. We are so poor that we have to mortgage our house. What a sin!"
Zhang Yida still admires the beautiful sister next to him who is several years older than him. She works efficiently and has good manners.
The two found a Chuan Chuan Xiang shop nearby. There were many people, and they had to wait in line for an hour before it was their turn.
This is one of the bad things about Chengdu. There are too many delicious restaurants. For good restaurants, you have to line up at the door to call your number. You go to a table and go in, and the people in the queue sit on the low stools arranged by the store at the door.
While waiting, the considerate shopkeeper will bring melon seeds and peanuts to serve the customers waiting in line.