"Our group? Haha, of course not. Besides, even if our group wants a loan, I won't be on my turn to come to you. Don't forget that I'm not in the Asset Management Department now." Zhou Liwen laughed in silence, and Yao Liang's excited expression froze on his face as soon as he finished speaking.

"That's true. Your group has a strong capital. You have never applied for a loan for so many years. I just thought that a pie fell from the sky today. Haha, Brother Zhou, you also know the work of our credit department... I was excited... Hehe... I was a little excited..." Yao Liang scratched his head embarrassedly, laughed a few times, and then asked curiously: "It's not that your group wants a loan, so who did this loan be given to?"

Zhou Liwen raised her hand and pointed at herself.

"You want it yourself?" Yao Liang didn't expect that Zhou Liwen actually wanted to take out a loan. He was surprised for a moment, and he looked embarrassed again.

"Brother Zhou, you won't start a company by yourself, right? It's logical that we should find a way to borrow money from our relationship. But now it's the time to do something wrong. I mentioned it just now. Now it's the end of the year, and the whole industry is tightening. There are no restrictions on the loans of excellent asset mortgages or loans from large enterprises like your group. Generally, small and medium-sized enterprises are not approved at all, let alone private enterprises. I don't say anything ambiguous about my own brothers. Otherwise, you can wait a few months, and the above policies will be relaxed after next Spring Festival. Then, I will lend you hundreds of thousands of dollars?"

"Hundreds of thousands?" Zhou Liwen shook his head and smiled: "If this number is, I will still look for \u4f6

2000

0 What are you doing? Brother, I want to borrow this number..." Zhou Liwen raised four fingers, and Yao Liang was stunned: "4 million?!"

"Add another zero!"

"What!" Yao Liang's eyes almost popped out. He never expected that Zhou Liwen would have to borrow 40 million yuan as soon as he spoke. Not to mention that he couldn't make the decision, he was afraid that even the president would not dare to sign the word. Besides, even if Zhou Liwen opened a company, there was no need to borrow so much money. Could it be that he was planning to cheat him? Thinking of this, Yao Liang's eyes subconsciously looked at the watch on his wrist, wondering if he would immediately take off the watch and return it to the other party, and then cut off Zhou Liwen. Everyone would pay homage from now on, so as not to be dragged into the water by this guy. If he lost his job, he would have to stay in the account for more than ten or twenty years.

Yao Liang's reaction could not be hidden from Zhou Liwen's eyes. Looking at his somewhat panic expression, Zhou Liwen immediately burst into laughter: "What are you thinking about? Are you such an unreliable person? Put all your little thoughts in your stomach. Friendship is due to friendship, I will never do anything to cheat my friends. Let me tell you that there is no risk in this loan."

"40 million, there is no risk?" After hearing this, Yao Liang was a little confused about what Zhou Liwen was saying. He looked at Zhou Liwen and couldn't even understand what company he had built in private and wanted to borrow such a large amount of money in one go, and there was no risk. Although Zhou Liwen has done well in their group over the years, he is just a branch manager after all. Even if he uses company resources to do some business outside, it is just a small fuss. How can he need such a large loan?

"Smoking a cigarette, don't look at me with this kind of eyes. Let me ask you first, is your credit department responsible for mortgage loans? Are there any restrictions on private mortgage loans in your bank?"

After taking Zhou Liwen's cigarette, Yao Liang thought about it and hesitated: "This mortgage is the responsibility of our credit department, and there is no restriction on private housing purchase loans. But Brother Zhou, what kind of house you want to buy is 40 million yuan? Generally, the personal mortgage is only 100,000 or 200,000 yuan, which is 3.4 million yuan. Even if our credit department passes the loan, it will not be approved by the president."

Zhou Liwen took a sip of tea, put down the teacup and asked with a smile: "Okay, I don't say 40 million, I'll just say it's within 500,000. For example, if I want to buy two houses myself, I will have a total loan of 480,000 yuan. Do you have the ability to release the loan?"

"What is the ratio of loans to house prices for two houses? 480,000 yuan?"

"80%, it's best if you can get zero down payment."

"The zero down payment is absolutely impossible, 80%... You can think of a solution, but I suggest it is better to 70%. In this way, our credit department has the right to lend, and there is no need for the president to sign." Yao Liang said, after saying that, he patted his heart and laughed and scolded Zhou Liwen with lingering fear: "I almost scared me to death, Brother Zhou, you have to say this earlier, and you even opened your mouth for 40 million. Did you deliberately play with me? I didn't scare you heart disease and have a good psychological quality."

Zhou Liwen was calmly thinking, nodded slightly and asked again: "So are there any restrictions on how many houses are purchased by individuals?"

Yao Liang had just put his heart down, and this sentence suddenly made him raise his heart again. He looked at Zhou Liwen in surprise. Does he really want to borrow 40 million yuan? Otherwise, how could he ask such a question? His head immediately shook his head like a rattle: "Only one set is not a big problem if it is two sets, but it is absolutely impossible for you to have three sets and five sets! Banks are not fools. Borrowing requires evaluating repayment ability and risks. The current real estate market is in a downturn. Although mortgage loans are guaranteed, if the customer cannot repay the payment, the bank can recover the real estate that the offset is still at risk."

"So you can say that at most two sets of each person? Are you sure?"

Yao Liang thought about it and nodded: "Confirm! I just got a mortgage last month, and it's just two."

"good!"

Zhou Liwen slapped the table and said with great enthusiasm: "That's all. Just calculate it based on the 480,000 yuan two houses. I will probably have a loan of 48 million yuan. Of course, it's not me alone, but 100 people. How about it? No problem?"

“Ah…ah…!”

Yao Liang was frightened by Zhou Liwen's words, and just now

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u8bf440 million, which turned out to be 48 million in a blink of an eye, and the mortgage amount of 100 people was suddenly generated. According to the two sets per person, it is 200 units. Was Zhou Liwen so confused at noon today? He was having fun with himself?

"I said Brother Zhou, I'm confused... Wait... Let me think about it... Let me first make good sense of my thinking..."

After taking a few puffs of cigarettes, Yao Liang calmed down and then said with his fingers: "You were two houses alone just now? The down payment is 30%, the loan is 70%, and the loan amount is about 480,000, right?"

Seeing Zhou Liwen nodding, Yao Liang continued: "Do you say there are 100 such loans?"

"100 people, one for each person!" Zhou Liwen corrected the other party, Yao Liang said yes repeatedly, and said: "100 people, one for each person is 100. Based on the average of 480,000, the total loan amount is 48 million? Is that right?"

"That's right!"
Chapter completed!