PDLP Chapter 94 Extending an 8
Chapter 94 Extending an 8
Chapter 94 Extending an Eight
Today is a good day; Mao Xiaoyu received two pieces of good news early this morning.
The first piece of good news came from Xinde Real Estate Company. They told Mao Xiaoyu over the phone that the funds had been transferred and asked her to be ready to receive them in the next couple of days.
The second piece of good news came from Li Mingyue, who said that Manager Zhou had basically agreed to Mao Xiaoyu's financing proposal, but there were some things that needed to be discussed in person that evening.
Mao Xiaoyu took the evening meeting very seriously and specially booked a five-star hotel to host a banquet for her.
Furthermore, Mao Xiaoyu had already arrived at the hotel around 4 PM, waiting for Li Mingyue to arrive with her supervisor.
"Manager Zhou, Mr. Mao has prepared dinner and is waiting for us at the hotel."
Li Mingyue arrived at her department head's office and addressed her department head, Zhou, with a respectful expression.
Manager Zhou lazily raised his wristwatch and glanced at it.
"It's still early, there are still 10 minutes before we leave work. As leaders, we can't leave early. No rush, let's wait another 10 minutes."
Li Mingyue was speechless when she heard what Supervisor Zhou said.
If someone didn't know better, they would think that you, Manager Zhou, are a truly good employee who cares about the company and the boss.
The problem is, who in the whole company doesn't know what kind of person you are, Zhou Bapi?
Leaving early or arriving late every day has become the norm.
If you weren't in cahoots with the top leader in China, you, a nobody like Zhou Guapi, would have been reported and dismissed long ago.
Is it really necessary to put on airs in front of someone? Isn't that just being pretentious?
But Li Mingyue couldn't say anything.
After all, it really wasn't time to get off work yet.
"Xiao Li, tell me about this Mr. Mao we're meeting tonight," Manager Zhou asked in a relaxed tone.
"This Mr. Mao must be a wealthy man. He borrowed 16 million from me a while ago, so he was a good customer. But unfortunately, he only stayed for less than two months before he actually paid back the 16 million."
This time, he planned to use stocks to raise funds. After his explanation, and considering the proven successful financing cases abroad, I felt that as long as we both jointly supervised the stock account, our financial company could lend him the money.
Li Mingyue didn't dare to show too much favoritism towards Mao Xiaoyu, and instead spoke the truth.
"What did he use as collateral for the 16 million loan?" Manager Zhou asked.
"Houses are considered the most valuable asset; they provided over seventy houses in total, and I took out a loan of 1,600."
"The loan amount isn't too high, I've already lowered it," Li Mingyue said, half-jokingly.
"That means he still owns at least seventy houses, all in his name," Manager Zhou asked, looking at Li Mingyue.
"Yes, that should be the case. After all, these houses were financed through loans from us. If he really needed money, he wouldn't have been able to pay off the mortgage so quickly and then raise funds from us through stocks."
After all, doing this seems a bit redundant, because everyone knows that mortgages are definitely less risky than stock financing, so mortgage interest rates are definitely lower than stock financing rates.
Therefore, I have reason to believe that he should still have the property certificate in his possession in the past two days, and he should be very confident that the stock market has bottomed out, so he wants to buy at the bottom.
"But he might need the property deed for something else, which is why he's borrowing a larger amount of stock from us for financing. He probably knows that even with a higher interest rate, he shouldn't lose money this time," Li Mingyue said, half-jokingly, in an attempt to help Mao Xiaoyu.
Upon hearing Li Mingyue's words, Manager Zhou didn't speak but hesitated for a moment before asking, "You said he needs financing this time. Should our financial company give him 10 million or 20 million?"
"That depends on how your boss handles it. But this time he put up 5 million. If we look at it from the perspective of international financing, even if we finance him 20 million, it's not that much. After all, 5 to 10 times the financing is normal in international markets," Li Mingyue analyzed seriously.
"That makes sense, but I still need to think about it," Manager Zhou said, tapping his finger on the table.
And so, during that time of conversation, it was finally time to leave work. Hearing the employees outside starting to leave, Supervisor Zhou and Li Mingyue went to the company's underground parking garage together.
Although Li Mingyue doesn't own a car, Manager Zhou is doing well. He bought a Mercedes worth over 400,000 yuan a long time ago, not to mention that he already owns a house in Shanghai. If it weren't for his womanizing ways and frequent changes of girlfriends, he might already be married.
Therefore, after the two arrived at the underground parking garage, Li Mingyue sat in the passenger seat of Manager Zhou's car, gave him an address, and then there was no need for Li Mingyue to give directions. After all, such a large five-star hotel was known to anyone familiar with Shanghai.
Needless to say, Manager Zhou drives every day, so of course he knows these addresses. If Li Mingyue were to give directions, she, who takes the subway to work every day, probably wouldn't recognize them.
After half an hour's drive, the car finally arrived at the restaurant, where Mao Xiaoyu was already waiting for them at the door.
Welcome!
The hostess's sweet, crisp voice greeted Li Mingyue and Manager Zhou.
As for Mao Xiaoyu, she rushed over.
"Supervisor Zhou, Manager Li, come, come, welcome, welcome." Mao Xiaoyu greeted them warmly.
"Manager Zhou, this is Mr. Mao whom I'm introducing to you." Upon seeing Mao Xiaoyu arrive, Li Mingyue quickly introduced Mao Xiaoyu to Manager Zhou.
Upon hearing Li Mingyue's introduction, although she felt that Mao Xiaoyu was a bit young, she could tell that he had a certain air about him. Therefore, she did not dare to treat him with disrespect, but instead smiled and acted politely as the two shook hands.
"Manager Zhou, Manager Li, I've already reserved a private room. Let's go in and talk," Mao Xiaoyu greeted warmly.
And so, the group went straight into the hotel, walked a short distance, took an elevator, and finally arrived at the private room.
"Waiter, the food is ready."
The three entered the private room, and Mao Xiaoyu spoke to the waiter who was leading the way.
Mao Xiaoyu really went all out for tonight's dinner; the cost of the meal, including both food and drinks, skyrocketed to 2 yuan.
More than 10,000 yuan. If she doesn't get some money borrowed this time, Mao Xiaoyu will be devastated.
Upon hearing Mao Xiaoyu's words, the waiter agreed and then left the private room.
"Manager Zhou, come on in, please take a seat." Mao Xiaoyu greeted him warmly.
Manager Zhou modestly declined for a moment, and then, after being flattered by Li Mingyue and Mao Xiaoyu, he sat down in the main seat. As for Mao Xiaoyu and Li Mingyue, they sat on either side of him.
After the three of them sat down, the waiter started serving the dishes, and Li Mingyue, being very perceptive, stood up and began opening and pouring the wine.
A short while later, the waiter finished serving the dishes and left, and the atmosphere in the private room immediately became lively.
There's no way around it; that's just how drinking culture is in China. No matter what you're talking about, you have to discuss it over drinks. Once you're at the table, you eat and drink well first, and then you can talk about work.
The same thing happened with Manager Zhou. Li Mingyue and Mao Xiaoyu took turns toasting him, and the three of them finished off three bottles of Moutai before the atmosphere was truly lively.
"Manager Zhou, what do you think about Mr. Mao's matter regarding stock financing?" Seeing that Manager Zhou, who had downed two bottles, was already seven-tenths drunk, Li Mingyue tentatively asked, holding up her wine glass.
Actually, this is the best time to discuss business. If you drink too much, you might not remember it the next day; if you drink too little, the guests won't be satisfied. Now is the perfect time to discuss business when you're about six or seven tenths drunk.
"I've already reported this matter to the president. The president has also reported it to the head office, and in principle, the head office is in favor of it."
"But due to domestic policy reasons, this can only be done quietly. So the company thinks we should use Mr. Mao's case as a pilot project to try it out," Manager Zhou said calmly.
"So that means it's done?" Li Mingyue asked happily.
"I guess it's a done deal. But I wonder how much financing Mr. Mao needs?" Manager Zhou said, glancing at Mao Xiaoyu.
"The more your company gives me, the better, of course," Mao Xiaoyu said with a fawning smile.
There's no other way; when you're borrowing money from someone, how can you borrow money without being a little obsequious?
Manager Zhou glanced at Mao Xiaoyu sideways and laughed, "Alright, I like your shameless personality. I'll put it this way: I have loans of 5 million, 10 million, and 20 million here. Which one do you want?"
After hearing what Manager Zhou said, Mao Xiaoyu thought for a moment, looked at him, and asked, "I don't understand the difference between the 500 million, 1000 million, and 2000 million that Manager Zhou mentioned."
"Of course, it's about the interest. The more you borrow, the higher the interest will be. Borrowing 500 million, the annual interest rate is 8%."
的利息，借1，000万一年给10%的利息。借2，000万一年给15%的利息。」周主管直接说出了利息。
"Manager Zhou, isn't this interest rate a bit too high?" Mao Xiaoyu couldn't help but ask.
"Great, you're overthinking it. What's this little bit of interest? In other countries, there are margin trading rates as high as 30% or 40%. Yours is only 15% at most, how much is that?" Manager Zhou said dismissively.
"But there aren't any this tall in China," Mao Xiaoyu said softly.
"But there's no margin trading or securities lending in China either," Manager Zhou said, raising his voice.
"Brother Mao, don't worry. Manager Zhou is here because he's giving us face, and he can help us. Look, Manager Zhou, my little brother here doesn't have it easy doing business. How about we lower the interest rate a bit?"
Seeing that something was wrong, Li Mingyue, who was sitting to the side, quickly acted as a mediator. First, she put pressure on Mao Xiaoyu's side, then she praised Manager Zhou's side, and then she gave Manager Zhou face, hoping that Manager Zhou would give her some advice.
"Comrade Li knows how to talk. You, Brother Mao, although you have some money, you're too young and still lack something. Some things can be done according to principles, and some things can be done around principles. It all depends on how you handle it," Manager Zhou said with a laugh.
Hearing what Manager Zhou said, Mao Xiaoyu understood. Although he mentioned interest rates of 8%, 10%, and 15% on loans of 5 million, 10 million, or 20 million, there must be ways to make deals. Otherwise, Manager Zhou wouldn't have said that.
Thinking of this, Mao Xiaoyu quickly put on a look of sudden realization and then hurriedly said, "Look at me, I don't even know this little thing. Oh dear, Manager Zhou, could you tell me how to do this? I'm listening."
"Then let me ask you, how much financing do you want?" Manager Zhou asked.
"Of course, the more the better. Although you said 20 million, I would be even happier if you could provide me with 30 million in financing," Mao Xiaoyu said.
"Dream on. Headquarters only approved 20 million, and you want 30 million? Let me tell you, the maximum you can get is 20 million, not a penny more," Manager Zhou said.
"20 million is fine too, but the interest rate is a bit high. How can Manager Zhou lower the interest rate? Give me a clear answer," Mao Xiaoyu asked in a low voice.
"As for the interest rate, it can be higher or lower. But Brother Mao, there's a saying that goes, 'If one person earns money, eight people will spend it. Only when others have it can you have it.' Do you understand what that means?" Manager Zhou asked quietly.
"I understand that too, that's how it is in business," Mao Xiaoyu replied affirmatively.
"Since you understand, I won't beat around the bush. You want 20 million? Sure. We can easily fool our regulators, and we can even lower the interest rate for you. But we'll need to grease some palms," Manager Zhou said.
"I wonder how much it would cost to 'grease the wheels' that Manager Zhou mentioned?" Mao Xiaoyu quickly asked.
"Since it's 20 million, let's calculate the interest rate at 8% per year. You tell me, if we're giving you such a big benefit, how much would it cost us to bribe the officials?" Manager Zhou asked rhetorically.
Upon hearing Manager Zhou's question, Mao Xiaoyu thought for a moment and then extended one hand.
When Manager Zhou saw Mao Xiaoyu's outstretched hand, he shook his head and then held up two fingers.
80 million.
Seeing Manager Zhou hold up an eight, Mao Xiaoyu certainly wouldn't believe it was 80,000. 8 million was definitely too much, considering she had only borrowed 20 million, so the eight he held up must have been 800,000.
This price is a bit too expensive. Besides the 80 yuan, you also have to pay interest to the financial institution.
"You need to understand, this financing, to put it nicely, is financing; to put it bluntly, it's still a loan, and an unsecured one at that, so it's normal for the interest rate to be a bit high. Plus, the fact that we're lending you the money also increases our risk, and I have to grease palms with everyone involved. So charging you this amount isn't excessive at all," Manager Zhou said directly when he saw Mao Xiaoyu's hesitant expression.
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