The representative of private credit smiled and said: "The maximum amount is 150 million, and the real estate in your name needs to be guaranteed, as long as you agree to the conditions of the guarantee, by tomorrow at the latest, 1.3 cash will be able to be credited to your account, with an annual interest of 10 percent."
"Why is it less than 20 million" Jia Lei asked rhetorically, although 1.50 million yuan can't hit the price of real estate, but compared with pawnshops, it is already quite good, and the interest is 10%, which is also reasonable.
But it's 20 million less.
The representative of private credit laughed, suddenly poked his head forward, and said with a smile: "President Jia, you are also considered to be an old man, are you really stupid or pretending to be stupid, don't you know about loan rebates?"
Jia Lei's face turned pale and trembled, a loan of 500 million yuan, and a rebate of 20 million, where is this loan, it is completely bloodsucking.
This is more ruthless than the loan kickbacks when the original went to sign the traitorous treaty, damn it, this is completely bullying.
Seeing Jia Lei's color change, the representative of private credit said proudly: "President Jia, this is a rule that is not established in the industry, if you want to get such a huge amount of loans, a rebate of 20 million is not much."
Your company is in a difficult situation right now and needs this loan urgently, do you want to give it up, by the way, I would like to remind you that no one dares to lend you so much money except us. ” The representative is very confident, because they are the most well-informed in their industry, so they know that Tianling Entertainment continues to pay this money, even if the conditions are harsh, the chance of agreeing is more than 60%.
Seeing that Jia Lei was deep in thought, the representative of Private Credit continued: "President Jia, you should think about it, I hope you will give us an answer as soon as possible." ” At this time, the representative of the bank spoke, "You are completely taking advantage of the fire to rob, real estate worth more than 500 million, you only give such a small loan, and you need a rebate of 20 million, and it is too ruthless to start."
"The three organizations are friends and enemies, and they want to unite to put pressure on Jia Lei and make money.
The representative of the bank said to Jia Lei: "President Jia, they are completely robbing while the fire is burning, and they all belong to private organizations, with limited financial resources, and they are not as formal as us, so they can't be compared with us at all, I think you still choose us." ” Jia Lei has been swollen by the heads of the first two representatives, no matter what, Jia Lei will never agree to such harsh conditions, because once he agrees, it is equivalent to giving away all the development achievements of Tianling Entertainment.
"What conditions can you give" took a deep breath and calmed down, Jia Lei asked, now Jia Lei put his last hope on the bank representatives, after all, compared with those private organizations, banks are very formal.
The bank representative smiled slightly and said very confidently: "We can lend you up to 300 million, of course, like them, you need to use your real estate as a guarantee, we don't need a rebate, and the annual interest is 15%." ” Hearing this, Jia Lei immediately breathed a sigh of relief, and finally met a more reliable one, although the interest rate is a little higher, but the amount of the loan is enough, according to the unwritten regulations of the bank, the loan amount is about 80% of the mortgage assets, although 300 million is still 100 million short, but compared with the two representatives just now, it is already very good.
"Just these conditions" Jia Lei asked, he needs to confirm, if it is really just these conditions, Jia Lei will immediately sign and confirm, Tianling Entertainment needs money too much now, to put it mildly, it is almost impossible to open the pot.
The representative of the bank smiled and said: "President Jia, don't worry, we will not take kickbacks, as long as you agree, all the 300 million yuan of funds will be paid to your account, as for the annual interest of 15 percent, if you raise it, we can still talk about it." ” Hearing this, Jia Lei sighed in his heart, banks are all vampires, how can they be so good at talking There must be a trick, so he asked: "I like to be direct, I want to know, in addition to the conditions you just said, are there any other provisals?"
The bank representative clapped his hands and gave Jia Lei a thumbs up to express his praise for Jia Lei.
Seeing this scene, Jia Lei was even more worried, because he was right, and he really had a trick.
The bank representative continued: "The loan of 300 million will be credited to your account within three working days, not a penny will be less, the annual interest will be fifteen percent, of course, if you agree to the conditions, I have the authority to reduce it by 0.5 percent, in addition, we only have a small request, we want the loan to be longer, preferably ten years."
Of course, this is also for the sake of your financial pressure, if the time is too short, your financial pressure will definitely not be small. ” Hearing this, Jia Lei collapsed on the spot, and the conditions proposed by the bank representative looked pretty good on the surface, and in order to alleviate Jia Lei's financial pressure, he also offered to extend the repayment period.
However, there is a mystery inside, the annual interest rate is 15 percent, the total amount of funds of 300 million, the interest for one year is 45 million, and the interest for ten years is 450 million, and he has more than the principal.
If the family on the principal, a year to repay seventy or eighty million, a month to repay more than seven million, the most important thing is that the calculation of bank loans is very bullish, just a few years after repayment, interest occupies the vast majority, that is to say, a month of more than seven million, of which interest may occupy seventy or eighty percent, and after a few years of repayment, the rest is the principal, that is, even if it is repaid in advance, it must be in the first three years.
If you start to repay the loan early in the fourth year, the interest has already been paid first, and the rest is the principal, which is meaningless.
This is even more ruthless than the previous two, this is completely bloodsucking, treating Tianling Entertainment as a super-large blood cow, desperately sucking it for ten years.
The bank representative smiled slightly and said: "President Jia, as far as I know, the Lan family of the first family in Pengcheng is not very friendly to your company, and now the Lan family has released a word, whoever dares to lend you is the Lan family is right, so no one dares to lend you a loan except us." ” Jia Lei fell into deep thought, the bank representative was right, the Lan family, who had absolute authority in Pengcheng, was not something that anyone could offend, pawn shops and private Xinda companies deliberately demanded such harsh conditions, just to make Jia Lei retreat, they didn't dare to offend the Lan family.
Of course, if Jia Lei really agreed to such harsh conditions, it would definitely be violence, and he would rather have insurance than loans.
Now, only powerful state-owned banks in Pengcheng City dare to lend to Ling Tian, which means that Jia Lei has no choice. t1706231537: