Chen Mo arrived in Billings early and waited until Hill got off work.

Hill sat in the car and buried his head, playing with his fingers in a depressed mood.

"What's wrong?"

"It's nothing... I called you yesterday, but you didn't answer. I thought you ignored me." Hill turned to look at Chen Mo, with a pretty little face, and was angry.

"No. I went back to the ranch yesterday, and the signal there was very bad. I slept very early yesterday and didn't hear your phone number."

"Okay, forgive you."

Chen Mo smiled and drove to Tang Xia Yipin to eat something simple.

The restaurant business is really good, and the tables in the hall are almost full. Chen Mo's estimates that running this restaurant is probably more profitable than running a snow mountain ranch.

Three dishes and one soup. Chen Mo had just eaten something and only ate a little bit, so he watched Hill eat it.

"I look listless, are you tired of work?"

"No. I didn't sleep well last night, I thundered last night, and Demi was not here... Jenny came back very late, I was afraid of thunder." Hill bulged his cheeks and looked at Chen Mo with a cute expression.

"Then... I won't go to the movie later."

"It's okay, it's still early, I can't sleep even if I get home too early."

After dinner, Hill pulled Chen Mo to a nearby cinema.

There are only a few screening rooms in a small cinema. Hill took the initiative to buy two tickets, which is the first urban love movie that has just been released...

There has been no blockbuster movies released recently. Chen Mo bought two cups of Coke and a large bucket of popcorn.

There are more than a dozen people in the screening room, all couples or couples come out to watch movies...

At the beginning of the movie, Hill hugged Chen Ou's arm and leaned against his shoulder, and fell asleep for a while.

Chen Mo smiled bitterly. The movie was quite boring, mainly because it didn't have Chinese subtitles and seemed laborious. Halfway through the movie, Chen Mo woke Hill and left the cinema.

"I'm so energetic after a sleep." When he went out of the cinema, Hill stretched.

Chen Mo drove to the hotel and drove a room.

No more tossing and falling asleep early in the first night. The next morning, they took Hill to work and drove back to the ranch.

Kanby and Asol went to Helena, and Mary was alone in the ranch...

Chen Mo sorted out the information about the ranch and went to Putter Law Firm in Lewistown. As soon as he walked into the door, Roger, with a haggard face, came out of the law firm and almost ran into Chen Mo.

"Mr. Chen Mo... I'm sorry to be distracted and almost hit you. Is it okay?"

"It's okay. Why are you here?" Chen Mo asked when he saw that he was in a bad state.

"I'll ask about the sale of the ranch. Are you?" Roger said.

"I'll find a lawyer to accompany me to the bank and prepare to apply for a loan."

Roger smiled bitterly: "The ranch business is getting harder and harder. Banks are vampires. If they don't have to require funds, it's better not to borrow money."

Chen Mo shrugged. He didn't like loans at first, but he saw the huge prospects of his ranch...

“How much is your ranch for sale?”

"Are you interested?"

"If the price is appropriate," Chen Mo said.

Roger looked inside the office and made an invitation: "Talk in the car."

Roger's car was parked outside, and there was a Wrangler. The two sat in the back seat... Roger opened his briefcase, took out the contract entrusted by the firm, and handed it to Chen Mo: "2.4 million, and take over all the 2 million debts on the ranch at the same time."

"4.4 million?" Chen Mo frowned: "The price is too high."

The pastures near the Rekchi Snow Mountain are expensive. But their pastures are in the Judithga Snow Mountain. Although the scenery is also very good, the geographical location is too remote. There is no big city with a population of over 10,000 in a radius of 30 kilometers...

Lewiston is the closest big city to Judithgarh, more than 60 kilometers.

"That is, the land depreciation began last year. If the year before yesterday, my ranch would have sold 5 million. The snow-mounted mountain ranch was very large, and my ranch was not small, with 1,550 hectares... they were all grasslands."

"But there is no fertile land. The snow-mounted ranch is only 7.9 million US dollars, and there is a valley with fertile land. There is a large area of ​​ginseng in the mountains and forests of the ranch..."

"Ginseng..." Roger showed contempt. Thinking of Chen Mo being a Chinese, he did not continue: "I entrust my law firm and I have a 6% agency fee. If you buy my ranch, I can cancel the agency fee, and I can save a 2.05 million dollar in the middle... You only need to pay me $2.05 million. As for the fees incurred during the transaction, we each have half of the agency fee... I really don't want to operate the ranch."

“2 million.”

"Trade within a week, more than a week, I may change my mind."

"No problem." Chen Mo shook hands with Roger with a smile, and then went to the office to explain his purpose...

Chen Mo originally wanted to apply for a large loan for ranch expansion and construction. He didn't know that Roger's ranch was going to be sold, but he knew that several other ranchs were ready to be sold, one of which was also next to the Snow Mountain ranch. It covers an area of ​​3,400 hectares and has no debts, including construction, machinery and equipment in the ranch, as well as cattle and sheep, with a total selling price of US$2.3 million.

Land in Montana, especially those close to snow-capped mountains, is relatively expensive.

Chen Mo has been in the United States for several months, and he is no longer the rookie he used to be. He probably knows the prices of farms and ranches in various places.

It is said that Montana’s land is cheap, but it is actually not cheap. The places where land is really cheap are in North Dakota, as well as inland areas with sparse populations... For example, North Dakota, you can buy almost 3,000 hectares of river valley ranches and farms for $1.5 million.

Chen Mo brought the land deed of Snow Mountain Ranch and the agency contract signed with Ellison. After sorting out the information, the lawyer said: "Use the ranch as collateral, and with your contract with Mr. Ellison, you should be able to apply for a maximum loan of 8 million yuan."

"Well, let's go to the bank."

When I went to Wells Fargo, the bank manager personally received Chen Mo and discussed the loan...

8 million is a huge loan.

The bank manager asked about the purpose of the loan...

After only two days of the review process, Chen Mo received a loan of US$8.5 million, for five years, with an annual interest of 5.5%.

The interest is paid back to 467,500 yuan each year. The principal and interest are paid back to the fifth year. The total amount is $8.967,500.

In five years, the total interest was US$2.3375 million.

Find a bank loan and borrow money to make money. Almost all rich people play like this.

In five years, if the agricultural economy improves, selling a piece of land should be able to pay off the loan easily.

Roger Fork Ranch, with an area of ​​1,550 hectares, actually paid 2 million yuan, and assumed the debt of the ranch of 2 million yuan. Lake Valley Ranch, with an area of ​​3,400 hectares, 2.3 million yuan. Another 2,000 hectares of ranch connecting the Lake Valley...

The closer the pasture is to the snow-capped mountains, the more valuable it is.

The ranch on the prairie is cheap, spending a total of US$571, and then bearing a debt of US$2.41 million. Among them, Roger Fork's US$2 million debt will be paid next month, and the remaining 410,000 debt will be paid at the end of the year... I first paid back the debts belonging to Roger Fork's ranch. Then there were the expenses incurred during the transaction, and the cattle and sheep that took over the ranch... I just borrowed 8.5 million, but it took me clean, and I had less than US$10,000 left in my pocket.

The new Snow Mountain Ranch, with a total area of ​​9,250 hectares, is a huge man in the entire state of Montana. However, the facilities of the ranch are too simple, and it will be a huge expense to integrate all resources and develop and utilize them reasonably.
Chapter completed!