"Ivan, how are you doing?
Did you get my letter?
”On the letter Xiao Bai wrote to Ivan last time, he left his office and home phone numbers, and the other party probably received the letter."
Uh-huh, my friend, thank you for remembering me.Let's make a long story short, I need your help now, I want to go to Huaxia, but I don't have enough money, can you lend me $2,000 first?
”Ivan didn't say anything about his situation, but Xiao Bai could feel that the other party should be having a bad time.After the disintegration of Big Brother, domestic prices soared and the local currency plummeted, and people who used to be able to live a decent life now have to worry about a few slices of bread."
Ivan, $2,000 is no problem, I can find a way to send it to you."
Xiao Bai didn't say much, as far as he knew about Ivan, it was impossible for the other party to do anything for $2,000.So, he happily agreed."
Oh, thank you so much, my friend.As soon as I have the money, I will leave for the East, and perhaps two more people will be taken with me, and I will contact you when the time comes. ”After Ivan finished speaking, he gave Xiao Bai his bank account number, and then hung up the phone in a hurry.To tell the truth, Ivan has already taken out all the money in his pocket when he calls this international call today, and if Xiao Bai doesn't send him money, he won't be able to live the rest of his life.Xiao Bai then informed Jiang Youwei and asked him to remit $2,000 to Ivan from the Xiangjiang side to solve the other party's urgent needs.Five days later.Ivan Chrinenko called again and first expressed his heartfelt thanks to Xiao Bai for his generosity.Then he told Xiao Bai that he was about to take a train from Moscow and the destination was the capital.Xiao Bai had taken this international train once, and the whole journey took about 6 days, and he decided to send Han Weiguo to pick up Ivan at that time."
Weiguo, is there a problem for you to go to the capital alone?
I have a friend from Russia who needs you to bring him from the capital to us. ”After Xiao Bai learned about Ivan's itinerary, he called Han Weiguo to his office."
Boss, make sure to get the job done."
Han Weiguo doesn't talk much, but he has always been very serious in his work.Xiao Bai nodded and said, "Okay, you can clean up in two days, and then go to the capital."
By the way, you can stop by to see my parents when you get there, and I'll buy some things for you to bring with you. ”Not long after Han Weiguo left the office, Wen Qin walked in."
Dong Xiao, Mr.
Lin of Tianhai Real Estate Development Company called just now, and he said that he would come to the company to visit you in half an hour.""
Well, I know, when Mr.
Lin arrives, you ask someone from the administration department to take him to the reception room."
Xiao Bai hadn't seen Lin Xiang for a while, and he didn't happen to have much work at this time, so he planned to have a good chat with the other party.Half an hour later.Lin Xiang and Guo Jian came together, and Xiao Bai saw the two in the reception room."
Uncle Lin, Mr.
Guo, long time no see.Have a seat. ”The staff of the administration department brought tea, fruits and some snacks, and Xiao Bai accompanied the guests to sit down."
Xiao Xiao, I heard that you have been moving frequently in the past half a year, congratulations.Lao Guo and I came to you today to ask for help. ”Lin Xiang is still the same as before, and after meeting, he went straight to the point."
Asking for help?
Where did Uncle Lin start with this?
Isn't the Star City Electronic City project that you and Mr.
Guo are working on about to be completed?
”Xiao Bai estimated that Lin Xiang's so-called "request for help" was probably related to the project of the electronics factory."
It's almost finished, but the capital chain between me and Lao Guo is almost broken.As you know, we put most of the funds into the land in H Nan, and the project was able to start because of your blessing, all thanks to the bank loan of 5 million yuan. ”It turned out that buying the land in Honan was the right choice.Lin Xiang also went to Hkou two days ago, where the land price has broken through to 1 million yuan per mu, and there is no market, and companies or individuals with land in their hands are very reluctant to sell."
And what do you mean?"
Xiao Bai had expected this day, but with the support of H Nan's land, presumably the problem of funds was not difficult to solve.Lin Xiang glanced at Guo Jian, and he was really embarrassed to say something.Guo Jian sighed and took over the conversation: "Dong Xiao, I discussed with Lao Lin to mortgage a loan with the land in my hand first, what do you think?"
”Xiao Bai understood as soon as he heard that Lin Xiang and Guo Jian were planning to take the 100 acres of land as a mortgage.That piece of land was purchased by Tianhai Real Estate Development Company, Guo Jian and Xiao Bai, and if it was used as collateral, it was reasonable to say something to Xiao Bai."
There's no problem on my side, how are you going to do it?"
In fact, to put it bluntly, the project of Xingcheng Electronic City has something to do with Xiao Bai, and he still has 25 shares in Tianhai Real Estate Development Company.Therefore, there is nothing wrong with using the mortgage of the land jointly purchased by their three parties."
Xiao Xiao, I want to use 100 acres of land as a mortgage of 6 million yuan, do you agree?"
Lin Xiang gritted his teeth and opened his mouth to say a number."
Uncle Lin, what are you trying to tell me about?"
When Xiao Bai heard the numbers spit out of Lin Xiang's mouth, he was immediately scorched by the thunder.It's like taking a piece of precious jade worth billions to borrow money, only to borrow back only one stone."
You can't do that!
If you want me to say, you can directly borrow 100 million yuan from the bank, and you can't do it without this amount. ”Xiao Bai thought very clearly, as long as they discussed here, maybe the price of land in H Nan would rise again.Now mortgaging the land at a high price is tantamount to locking in profits in advance.In case there are any fluctuations in the land market over there, I don't want the 100 acres of land.That's the normal way it works!"
100 million?
Xiao Xiao, what do we want so much money for?
Besides, are other banks willing to lend us so much?
”Let's not talk about loan interest, other banks must consider the risk, not that you can give as much as you say.Lin Xiang's mind couldn't turn for a while."
Uncle Lin, Mr.
Guo, I'll help you contact you about this matter.I'll call the H-Kou branch of the Development Bank first, and you will wait for my news. ”After Xiao Bai finished speaking, he immediately got up and went back to the office to call.The head of the credit department of the H-kou branch of the Development Bank was very polite when he received Xiao Bai's call.But when he heard that the other party wanted to mortgage the land loan of 100 million, he said with a smile: "Xiao Dong, the amount of your loan is too big, and I can't be the master."
I think you should ask President Jia, he is also an old acquaintance of yours. ”Subsequently, the other party explained again, and Xiao Bai suddenly realized.Section Chief Jia of the Credit Department of Shenzhen Development Bank (Head Office) has been transferred to the Hkou branch as the president.Xiao Bai thanked the people for a few words, and after hanging up the phone, he called the president's office."
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President Jia, congratulations on getting one step closer to your career."
The call was connected, and it happened to be answered by President Jia himself."
Xiao Dong, thank you.I've only been here for a short time, and you're pretty well informed.What's the matter, looking for me?
”"yes, I just have something here that I want to trouble you."
Xiao Bai then talked about using the land as a mortgage."
I said Xiao Dong, can't the amount of your loan be smaller?
According to the current land price, the 100 acres of land you mentioned are worth more than 100 million points at most.Now you want to borrow 100 million yuan, I'm embarrassed. ”President Jia did not refuse, but hoped that Xiao Bai could reduce the amount of the loan, such as a loan of 80 million yuan."
President Jia, Ming people don't say secret words.Nowadays, the land price of Hkou is the same every day, and it is not good that by next month, the land price will exceed 1.5 million yuan per mu.Others may not know, but you will definitely know how much money flows into Honan every day, and how much of this money goes into real estate. ”Xiao Bai laughed, he dared to make this call, naturally he had his reasons.In 1988, the average price of commercial housing in H South was 1,350 yuan per square meter, and last year, that is, in 1991, the average price of commercial housing in H South was 1,400 yuan per square meter.As a result, this year, housing prices have suddenly exploded, and the current average price of commercial housing has exceeded 3,500 yuan per square meter, and it is still in the process of rising.This shows that the real estate market in H Nan has a huge amount of capital inflow.Whether it is the price of land or the price of commercial housing, it has been in an upward trend, and there will be no turning back in a short time.President Jia pondered on the other end of the phone for a while before asking, "Dong Xiao, how long are you going to use this loan?"
”"You can rest assured, it won't be more than a year.I promise you that I will make them repay this loan by May 1 next year. ”Xiao Bai made a guarantee, and President Jia was relieved.In fact, President Jia has a good idea of the current popularity of the real estate market.However, in order to avoid risks, they generally do not make land mortgages for more than one year.Now Xiao Bai promises to repay the loan before May 1 next year, and President Jia will make a contract according to this period, and once he defaults, he will not hesitate to deal with the 100 acres of land."
Okay, you can get someone to come to me when you go back."
Governor Jia didn't say much, but undoubtedly agreed to the loan."
Thank you, President Jia, next time I go to H, I must have a good drink with you.Let's do it for now, and then talk when we have a chance to meet again. ”Xiao Bai said a few polite words, and then hung up."
How's it going, Xiao Xiao?"
He returned to the reception room, and Lin Xiang hurriedly asked."
It should be all right, go back in the name of the project company and go to President Jia of the H-kou branch of the Development Bank.By the way, you should be familiar with President Jia, he is the former Chief Jia of the Credit Department of the head office. ”At the beginning, in order to speculate on the land, the three of them also set up a project company in H."
Huh?
Section Chief Jia has been promoted, and Lao Guo and I are still in the dark.Xiao Xiao, it seems that this loan is no problem.However, the Star City Electronic City project only needs to use 5 million to 6 million, and the remaining funds are so empty of interest?
”Lin Xiang felt that it was a headache, the proportion of shares in the project company was that Tianhai Real Estate Development Company accounted for 50 shares, and Guo Jian and Xiao Bai each accounted for 25.Therefore, for the use of such a large amount of funds, he must discuss with Xiao Bai.