The next morning, Mu Yang went to the bank to inquire about a mortgage loan.

I visited several state-owned banks and found that they could mortgage loans up to 70% of the appraised value.

The larger the loan amount, the higher the interest rate.

If the loan is only tens of thousands of yuan, the interest rate is only about 5%.

However, for a loan of more than RMB 2 million, the annual interest rate is 6.8%, and one commercial bank even charges 8.05% annual interest rate.

It is required to provide the property certificate. After applying, the bank will come to evaluate the house and visit the company. It will take about ten working days to get the loan.

Mu Yang chose one of the banks to apply for the loan. The higher interest rate didn't matter to him. The main thing was which bank offered the largest loan amount.

He vaguely remembered that in 2009, Tengxun's stock was very promising. From 40 to 50 yuan per share at the beginning of the year, it rose to 1,560 yuan by the end of the year, an increase of three or four times.

Mu Yang tried his best to lend out other ways to get loans, the more the better.

No matter how high the interest rate is, it is far less than the income from Tengxun stock.

Of course, for some underworld private loans, even if someone is willing to lend money, he does not want to be involved with such people, as it may put his own life on the line, or even cause trouble to his family.

When you get the loan, put the money into the stock market first, and then take it out when needed. Just keep enough funds on hand for the normal operation of the company.

This year's goal of 500 million is very difficult, and it would be nice to earn more.

Today happens to be February 16th, and Muyang’s school officially opens.

On the first day of school, the class monitor announced that a class meeting would be held in the afternoon, saying that the counselor required everyone to be present because he had something important to say.

At the end of last semester, the counselor asked him if he would like to join the student union of the college or become a class cadre.

Mu Yang refused.

The class cadre was elected after the military training started. Mu Yang had no interest in being a class cadre and had no interest in the college or school student union.

It is relatively easy to join the student union, but you must have certain specialties to join the student union.

Does Mu Yang have any special skills?

Well, you can say yes or you can say no.

If you are a beautiful woman, you are welcome to join any department. In order to attract more "special students", those student cadres will select beautiful women to join clubs or student unions to attract outstanding members.

Those who are good at art or painting can go to the Publicity Department, those who are good at spoken English can go to the Foreign Languages ​​Department, and those who love sports can go to the Sports Department.

The foreign language department is good, with many girls.

The girls' department has the most girls. If boys have the ability to solve hemorrhages, they might be able to join.

Some departments are more awkward, such as the self-discipline club, where you have to get up at 6 or 7 o'clock every day to exercise or practice speaking; such as the volunteer society, where you have activities to do hard work.

Whether joining the student union can help you develop your organizational and communication skills depends on the individual, and you must have the opportunity to practice them.

But one advantage of joining the student union is that you can add comprehensive points. The evaluation of scholarships depends on the comprehensive points, not just academic performance.

Of course, at Jiangnan University of Technology, academic performance is heavily weighted.

One grade point = 20 points.

For example, Mu Yang’s grade point last semester was 4.85, and his overall score was 96.

Other comprehensive points depend on the overall quality of students. Comprehensive points can be added if you have passed CET level 4 or 6, party members, student unions, class cadres, papers, patents, inventions, sports competitions, subject competitions, etc.

In their school, class cadres are awarded 1-2 points based on student ratings, participation in the student union is 0.5-1 points, dormitory directors are 0.5 points, those who pass CET Level 4 may get 2 points, and those who pass CET Level 6 are 3 points.

Among them, invention patents, published papers, or subject competitions at the provincial level and above will receive the most exaggerated comprehensive points, ranging from 2 to 10 points.

There are many detailed criteria for bonus points in the comprehensive assessment, but a student’s energy is limited.

In short, the details of adding points are different for each school. From the score details, we can see that grade points are the most important, followed by English CET-4 and CET-6, while invention patents, published papers or provincial and above subject competitions are not at all important for ordinary students.

There can be some, but this year, there are no freshmen in Muyang University.

The second place in the School of Mechanical and Electrical Engineering has a GPA of about 4.5, and Mu Yang is 0.35 GPA higher, with a comprehensive score of 7 points. This comprehensive score gap is quite big.

Muyang did not participate in any activities in the first semester of his freshman year, but he started a company, which is considered an item of social practice. Self-employment can add 2 points.

1-2 points can be added for social practice during the holidays. Students who participate in the milk tea survey can use reports to prove the extra points.

There are few activities in the first semester of freshman year. If the top three students participate in few activities, Muyang will basically lock in the first place in comprehensive score.

At three o'clock in the afternoon, Mu Yang came to Classroom 302 in Sixue Building. After waiting for a while, his classmates also arrived.

The class secretary stood on the podium and took out the counselor's key points from the meeting to preach.

"The new semester has begun. According to the counselor's ideological points, there are several things to do at this meeting.

The first thing is to check the academic performance points of the last semester and evaluate your comprehensive score. The comprehensive score is related to scholarships, so everyone should be careful;

The second thing is to enter DANG;

The third thing is the CET-4 test;

The fourth thing is to collect class fees and take a spring outing.

The first three things were explained by the counselor. This matter was discussed by me and several class cadres. We will discuss it later.

Everyone, please be quiet for now. I will mainly talk about DANG and other small things, and the squad leader will explain the rest."

The class secretary saw the noise in the classroom and asked the students to calm down before saying:

"Students who want to enter DANG must have a grade point score in the top 25% of their grade this semester and have not failed classes;

If you have ideas, you should first write a personal application and submit it to me, and then I will submit it to the Youth League Committee of the college. Who can be admitted to DANG will be evaluated by the school. I don’t care. If you can’t get into D by then, don’t blame me.

The student union of the college is still recruiting new students. Those who are interested can join and improve their overall personal qualities. Don't look at me. They asked me to promote it on their behalf.

One last thing, the college requires all first-year students to take the CET-4 test. The registration fee is several tens of yuan. You have to pay it yourself. Registration will start in early March and we will notify you then. Please prepare the money first.

Also, some students should be more active when reading English early and don’t shout every time.

The weather is starting to get warmer, but after the New Year, people become lazy, so we still have to stick to this point."

After the class secretary finished explaining, he walked off the podium, and then the squad leader spoke.

There was a lot of discussion among the classmates. When Mu Yang lived in the dormitory last semester, he still insisted on studying early in the morning, but after moving out to live outside, he rarely went to study early in the morning.

The squad leader stood on the podium and announced the tasks assigned by the counselor:

"Everyone, please be quiet. The secretary just said it very well, so I won't repeat it."

He glanced at the whole class again, his eyes lingered on Mu Yang for a while before he withdrew and said: "The first thing is to check the scores. I will distribute the grade point sheets to the whole class later. Everyone will check their scores in each subject. Are there any

If you submit an incorrect application, your overall score will be calculated. Please be careful because it is related to scholarships.

Those who participate in clubs and student unions and obtain certificates this semester must submit relevant certificates.

Finally, I would like to mention that if you fail a class, you should pay for the make-up classes and re-exams. The counselor’s advice is to pass the re-exams as early as possible and don’t pile them into your junior and senior years.”

When it comes to making up lessons, many students in the class screamed in frustration, "That's all money!"

The class monitor smiled and added: "There is a pervert in our class, with a GPA of 4.85, and he is ranked first in the department, which is much higher than the second in the department with 4.53."

As soon as the monitor finished speaking, the whole class started to stir. Someone shouted:

"What a pervert!"

"Fuck you, your average score is 98 or above!"
Chapter completed!