Chapter 323: Insider Information about Bank Lending
"I borrowed the car, and the driver too. Does that mean I can join the Mercedes family?"
In front of Song Shiwei, Chen Zhuo did not hide the true origin of the vehicle.
Song Shiwei was not very surprised. When she heard about it in the morning, she guessed that it must have been borrowed.
But what puzzled her was why Chen Zhuo needed the car again today and drove to school specifically.
If this is the case, wouldn’t it confirm those disturbing rumors?
The two did not go into Starbucks immediately, but stood outside and chatted.
At noon in Guangzhou in early February, the weather was neither cold nor hot.
The sunlight was filtered by the layers of leaves and leaked onto the two people, turning into a faint, round, gently swaying halo.
Song Shiwei was originally wearing a white Nike sweatshirt, but now it looks like she is wearing a sports-style floral long-sleeved shirt.
One of them was handsome and gentle, holding a textbook in his hand;
A beautiful and leisurely one, with a cool expression and a hint of gentleness.
This scene of chatting under the shade of the tree, in the eyes of others, may be the real scene of love between handsome men and beautiful women depicted in youth novels.
"I think so."
Facing Sweet's question, Chen Zhuo must have thought it over carefully, so he said without hesitation:
"I'm in a bit of a dilemma now. I feel like everyone has already decided that the car is mine, and no matter how I explain it, it's useless."
"If I insist on denying it, it will probably cause a certain degree of negative impact on my reputation and that of the company."
"The company will also have various receptions and business negotiations in the future, and we really need a car."
"In addition, from the reactions of my classmates, I can tell that a high-end car can still add points."
"so……"
Chen looked at Song Shiwei, his meaning was already very clear.
"Are you planning to make it real?"
Song Shiwei's eyes narrowed.
Chen nodded.
Song Shiwei frowned slightly. She knew that a company could not do without a business car, so she also agreed that Suhui Technology should purchase a car.
But does it have to be so expensive?
Chen Zhe's current total assets are only about 300 to 400 million. After buying the S600, will he have spare money to do other things?
This is not Chen Zhuo's usual style of doing things. Could it be that...
"Are you planning to buy this second-hand car?"
Song Shiwei suddenly asked.
A used car is undoubtedly a good choice. It can both save face and show off, and the price is much cheaper than a new car.
If you buy a car from a friend, you might be able to get a better discount.
"second hand?"
Chen smiled, School Beauty Song didn't guess right this time.
“I’m planning on buying a new car.”
Chen Zhuo's expression calmed down and he spoke seriously.
Song Shiwei didn't say anything. Her bright eyes were like brown glass beads. She looked at Chen Zhe calmly, waiting for his explanation.
Chen Zhuo is not the kind of person who spends future money to enjoy the present.
“Do you know the current operating model of real estate companies?”
Chen Zhuo did not explain directly, but suddenly changed the topic to another place.
Song Shiwei knew that Chen Zhe must have some hidden meaning, but she was not very clear about the real estate sector, so she shook her head.
The fair and tender face of the beauty also shook. If there weren't so many people here, Chen Zhe would have wanted to reach out and pinch it.
"They first obtained the land through bidding. For example, the land was worth 20 billion yuan. After the real estate group won the land through bidding, they did not pay for it, but mortgaged it to the bank."
Chen said with some sarcasm in his eyes: "Because the internal relationships have been smoothed out long ago, the mortgage amount is generally not lower than the land price, so for the real estate group, it is equivalent to getting a piece of land without spending a penny."
“Once the house is built and the funds are recovered through pre-sale, the bank’s mortgage loan will be repaid first.”
Chen said quietly: "The rest is the net profit." "Is that so..."
It was the first time that Song Shiwei heard such industry insider information.
After all, it was only 2008, and it was considered top secret news in the real estate industry.
From a financial perspective, this is equivalent to leveraging billions or even tens of billions of real estate projects in the future at zero cost. It is an ultimate way of making money out of nothing, and it does not violate any relevant laws.
Or to put it this way, this loophole seems to be deliberately left for people with connections to exploit.
Why are real estate companies prone to bankruptcy fifteen years later? It is because they cannot sell houses, resulting in a broken capital chain and are unable to repay bank loans.
But after hearing this, the smart sister Sweet also understood what Chen Zhuo meant.
He was planning to buy a brand new Mercedes-Benz S600 and then mortgage it to the bank.
This means that you can get back at least half of the money you spent on the car, or even all of it.
Then, you can use your new car while paying only a low mortgage interest.
Once you make money, just pay it back in one lump sum before the contract expires.
For a student like Song Shiwei who is studying finance in a business school, she has never thought about not repaying her loan.
First of all, it is illegal.
Secondly, since ancient times, people have always borrowed and repaid. Which good person would borrow money and then run away abroad just to avoid paying it back?jpg Dog head.
Of course Chen Zhuo never thought about not paying back the money, and his logic was even:
Rather than lending to companies that cannot repay them in the future, they will eventually become bad debts.
Why not lend it to me? I, Chen, have a strong sense of party spirit and a bright future for the projects under my command.
It will definitely be able to repay the principal and interest on time, and promote the vigorous development of the country's GDP and domestic economic cycle.
Song Shiwei only felt that this type of lending required deep banking relationships as a support. Did Chen Zhuo have any connections in this area?
However, Chen was obviously unwilling to talk more about this. After all, this was on the side of the road, and walls having ears was common.
The line with Senior Brother Zheng Wenlong from the Agricultural Bank of China is more important, so we have to treat it with great caution.
In short, this is what I meant, since my classmates all think that I, Mr. Chen, should have a car worth 300 million.
Well, I'll have it soon.
The matter of the car ended here for the time being. Since Chen Zhuo had his own plans, Song Shiwei did not ask any more questions.
S600 is relatively rare for others, but for school beauty Song, she has one at home and can use it at any time.
Next, Chen Zhuo began to inquire about the negotiation process between Song Shiwei and the 3D animation production company in Hangzhou.
Why were the set goals not achieved?
"I feel like... they look down on me and Cong Ni."
Song Shiwei said with a little unhappiness between his brows.
In front of Chen, she unconsciously revealed more and more personal emotions.
Chen looked into Starbucks and saw a small round table piled with documents and notebooks.
In addition to Cong Ni, there were three other people, two men and one woman.
They were also looking at him through the glass window.
Chen had a friendly smile on his face, revealing a row of white teeth.
In 2024, he would look a bit like a harmless male college student with a lilting voice.
"Because of your age and status?"
Chen asked Song Shiwei.
"Um……"
Song Shiwei did not expect that the three people who had been so polite on the phone before would still be quite respectful in their words after knowing her age and that she was a freshman.
However, they no longer had the same sense of awe as before, and they insisted on not backing down on the financing conditions.
This made Song Shiwei a little depressed.
The negotiations also reached a stalemate at one point.
Just at this time, Chen Zhuo came over.
······
(One more chapter tonight.)
(End of this chapter)
