Chapter 154 Mortgage
Tao Xiuping was choked by Guan Qiu's words and coughed repeatedly.
"Do you think I am Cao Shaoli? One hundred million, it's a pity that you dare to say it!"
Guan Qiu wiped the tea stains on his face and said, "Didn't I say that, 10 million is fine."
Tao Xiuping shook his head, "You know I am a municipal project and the funds are recovered too slowly. Not to mention ten million, I can't get it out for a while now."
Guan Qiu: "..."
I originally thought that Tao Xiuping had been drizzling with him for so many years, but I didn't expect that he would take it for granted.
However, although it is profitable to carry out municipal construction, it often requires Party B to advance funds. When financial difficulties are tight, it can drag down the company for a year or two.
Tao Xiuping asked: "What do you want so much money?"
Guan Qiu said: "Of course it's used."
Tao Xiuping: "Nonsense. I'll ask you what you are doing?"
There is nothing to hide in this kind of thing, and even if you want to hide it, you can't hide it. Guan Qiu simply said, "Invest in real estate."
Tao Xiuping said incredibly: "You borrow money from me just to invest in real estate?"
Guan Qiu said: "That's right."
Tao Xiuping shook his head, poured him a cup of hot tea, and said earnestly: "Xiaoguan, real estate is a stable thing, but it consumes a lot of money. In the short term, the return on investment is too poor, so I don't recommend you do this."
Guan Qiu said: "I not only want to put it there and wait for appreciation, but you also know that I have built a website. In the future, I plan to invite a group of professionals to renovate the house and then rent it online.
This will expand the popularity of the website, and secondly, you can wait for the house to appreciate!"
Guan Qiu really thought so. In addition, he also had another purpose, to develop 67.com into a comprehensive large-scale life website like 58.com and Lianjia in his previous life.
So now we need to start the layout and turn back to the point and lead the whole, which can attract more owners to join their website.
"Do you have anyone on the bank?"
Tao Xiuping didn't know what he was thinking and persuaded: "It's the end of the year, and the monetary policy is tightened, and there is no collateral. The bank will not approve such a large amount of money. Even if it is approved, the interest rate will be very high. The rent you collect may not even be enough. Not to mention it for the financial company."
Guan Qiu said: "Forget usury. If we really calculate it at the current interest rate of 6.5% for five-year commercial loans, the annual interest rate of 10 million is 650,000 yuan; I can buy 80 small apartments in the edge of the city center. The monthly rent of a house is 400 yuan, and it will cost 32,000 yuan a month. Is it still impossible to fill the gap of nearly 400,000 yuan a year? "
Guan Qiu paused and said, "In addition, the house can be used for pledge, which can solve the funding gap in decoration and later operation."
Seeing that he was so determined, Tao Xiuping stopped persuading him and said, "I don't have ten million, and I will lend you up to 2 million. In addition, I can help you find someone from the bank. You can use 67.com as the main mortgage for the company, and you can get about 1 million to 2 million."
Guan Qiu thought about it and felt that it was still too little. He couldn't buy several houses for three or four million yuan. The effect was too poor to operate, and it was difficult to follow up. He said, "I just happened to have some gold. How about it as a mortgage for the bank?"
Tao Xiuping picked up the teacup and took a sip, and said casually: "Why do you think the bank is a gold store?"
Guan Qiu said: "50 kilograms."
"Puff" Tao Xiuping couldn't hold it in one mouthful and sprayed it out again, then coughed continuously.
Fortunately, they were in a private room, otherwise Tao Xiuping, a big man who would always swear tea, would definitely be scolded for being a little bitch.
Guan Qiu saw the opportunity early this time and hid over it, otherwise he would have to squirt his face.
Tao Xiuping picked up the napkin on the table and wiped the table, and asked in surprise: "How many...?"
Guan Qiu said: "50 kg, 100 catties."
It’s not a big yellow croaker that has been kept there, but the current market price of gold is too low, so he is not willing to sell it, and he is always in a dilemma. He just happened to use it as a mortgage.
In fact, he originally planned to mortgage it to Tao Xiuping, but he didn't have that much cash and had to give it to the bank.
As for telling Tao Xiuping, Guan Qiu felt that there was nothing wrong with it. They had an intersection in their previous lives. Although Tao Xiuping looked fierce and evil, he was actually very loyal and hated evil, but he was just smoothed out by time.
Not to mention 50 kilograms of gold, he would not be so jealous of 500 kilograms.
If he hadn't known this, he wouldn't have said it rashly.
Tao Xiuping is still settled the accounts here.
100 kilograms equal to 5,000...what is wrong, 50,000 grams, one gram counts as 100 yuan, 5 million?
After finding this number, Tao Xiuping looked at Guan Qiu in surprise. He didn't expect that this little brother had secretly saved up such a large foundation when he saw that he was not in charge of his career every day.
"No!" Tao Xiuping quickly thought of a serious problem.
However, before he could ask, Guan Qiu said, "Brother Tao, don't worry, the golden origin is very good."
Tao Xiuping asked again: "Are you sure?"
Guan Qiu nodded, "Yeah! I'm sure."
Tao Xiuping didn't ask much, stood up and said, "Let's go, I'll take you to see someone..."
...
...
Half an hour later.
In a courtyard built by the river in the west of the city, strong pine and cypress penetrated into the sky, blocking most of the sunshine. A layer of pine needles fell on the ground of the courtyard paved with blue bricks. The wind blew through the hall, and the pine needles were rolled into a pile.
At this moment, four or five men were greeting and laughing in the hall facing south and north, including Tao Xiuping and Guan Qiu.
"This is Mr. Qian Fengqian, an elder of me~"
"This is Guan Qiu, and he is working on the Internet now~"
"Haha... Isn't it a pity if you have friends coming from afar! Please sit down quickly~"
After some greetings, he sat down in the main and the second. Old Man Qian in the main seat smiled and said, "Xuping, you have always been in the Three Treasures Hall for nothing. If you have any old man who can help, just say."
Old Man Qian is about 70 years old. He has a rosy complexion and a strong spirit. He also has a long white beard, which looks very good. He also dances and looks very imposing while talking.
"Xuping knows that you like quietness, so you don't dare to come over to disturb you easily~" Tao Xiuping explained, put down the teacup and hesitated: "There is indeed something I want to ask Mr. Qian for help..."
Seeing Tao Xiuping looking like he was eager to speak but stopped, the two men who were sitting there immediately stood up and left without the instructions of Old Man Qian.
After they went out, Tao Xiuping explained his purpose.
This old man Qian used to do medicinal materials business in the three northeastern provinces and had a big business. Now that he is old, he returns to Lucheng to enjoy his old age. Although he is not as rich as Cao Shaoli, he is also an invisible rich man with strong strength.
"Guan Qiu, tell me about your gold situation to the old man."
Guan Qiu nodded, took a big yellow croaker from his arms and handed it over, "You see, you see, it's all like this."
Old Man Qian took it with the opportunity and sank his palm slightly, "Wow, it's a big deal."
The old man was presbyopic and didn't recognize that the big yellow croaker was in his hand. When he put on reading glasses and looked at him, he was surprised and said, "Hey, it's actually an old object?"
Guan Qiu said: "I have found someone to see it. It was made by the people and has no collection value."
Old Man Qian waved his hand at him, "You don't understand Xiaoguan, this is not a question of whether there is a collection value." After pausing, Old Man Qian looked at the "big yellow croaker" in his hand and sighed: "What a good thing..."
Tao Xiuping explained to Guan Qiu, "Ancestor Qian broke into Guandong, and at that time, he used this type of small yellow croaker to do business."
It turned out that he was thinking of others when he saw things, and Guan Qiu knew it.
Old Man Qian sighed for a while, took off his reading glasses and said with a smile: "As old, I always unconsciously remember what happened before."
After pausing, Old Man Qian looked at Guan Qiu and asked, "Xu Ping just said there were 50 kilograms. I took the initiative to ask, "Where did you get the big yellow croaker?"
Guan Qiu had already thought about this question, and said without hesitation at this time: "These are all ancestral things from my family..."
Regarding Guan Qiu's ancestral theories, how could an old fox like Old Man Qian, who even had empty hair, believe it?
But what he wants is an attitude. I don’t care where your stuff comes from, whether it’s stolen or robbed, I can’t cause trouble for him anyway.
After Guan Qiu finished explaining, Old Man Qian said, "For Xiuping's sake, I'll keep this gold, and I'll calculate it for you at 80 yuan per gram. As for the interest...it's up to the three-year period of the commercial bank, okay?"
Guan Qiu hurriedly said, "Thank you so much, my grandfather."
Although it can also be given to the bank, it still needs to be evaluated and reviewed. The procedures are too cumbersome. It will take half a month to get the money at the earliest, and it may not be able to mortgage it to 4 million yuan.
Now that we have this relationship, we can still use it for pledge when we buy the house.
After the matter was settled, Guan Qiu and Tao Xiuping left here together.
The next morning, Guan Qiu took Su Wenshan and Su Wenhai to the small courtyard west of the city together.
You must not have the intention to harm others, and you must be careful of others.
Old Man Qian is a "guest" and it's better to be careful.
Old Man Qian was very particular and asked a lawyer to draft a pledge contract on the spot. After signing and declaring it, Old Man Qian took Guan Qiu to the bank to transfer 4 million yuan.
When they returned to the courtyard again, it was already 11 o'clock. Old man Qian left Guan Qiu and the other two to have dinner, but Guan Qiu politely declined.
Before leaving, he touched a jade ball from his pocket and pointed out, "Old man, I'll give you a small piece to wear and play with."
Old Man Qian picked it up and looked at it. The fingertips are made of mutton fat jade, with one end concave inward and the other end convex forward. The material is round and smooth, and it feels quite good to touch.
Such a good-quality mutton fat jade ring is no less than 30,000 yuan at the current market price.
Old man Qian smiled and said, "Okay, I'll accept it. Thank you for being a little lock~"
Guan Qiu smiled, then said a few more words before driving away.
As soon as he left, a black Audi parked at the gate of the courtyard. A middle-aged man wearing a standing collar and a small flat head was taken down.
Qian Feng turned around and walked towards the yard, asking, "Is there any problem?"
Xiao Pingtou said: "It's okay to have something, but this person..."
Qian Feng said: "Is there any problem?"
Xiao Pingtou smiled and said, "No, it's just a little...too lively."
Qian Feng also smiled. He had already learned some things in advance last night, but it was not detailed enough, so today he sent someone to inquire about it in detail.
"Yes, let's hear it..."
ps: I secretly asked for a monthly ticket today. (#^.^#)
https:
Genius website address:.m.
Chapter completed!