LIGHTNOVELONLINE Chapter 83 Loan of 2 million yuan
Fang Bai finished the bank loan matter and went home for lunch.
"Son, is it necessary to borrow so much? The interest rate is too high." Liu Fengqing was very worried about not being able to repay the loan. The annual interest rate for the two-year loan was more than ten points.
For a loan of one million yuan, the annual interest is more than 100,000 yuan.
Oh my gosh, if I can't afford it, I'll have to lose my family's fortune.
I used to hear that bank loans have high interest rates, but I just heard about it. Now I can really see it when I get a home loan.
She has heard of some bosses who failed to repay their bank loans and ended up having their assets liquidated by the court.
“If a company wants to develop rapidly, it must take the path of loans. The more loans it takes, the faster it will develop.
If the bank gives me a loan of 10 million, I will borrow it.
Mom, it’s the boss who borrows money! "Fang Bai didn't take it seriously, but he also knew that the bank would not be able to give him such a large loan.
Ten million in this era, compared to 20 years later, no matter how low it is, it will still be 300 million.
For his first loan, it was impossible for someone to lend him so much, even if he had connections, unless Fang Bai's family had a lot of net assets.
For example, if you want a loan of 2.5 million yuan this time, you can still get it from one branch. People in Wenzhou have money and have a lot of deposits in banks. It is really difficult to switch to banks in other cities.
Although the money in each branch is the country's money, the amount of funds available to each bank in each place is still different.
"Honey, my son's loan is for purchasing goods. Without two to three million yuan in goods, this mall really can't support it." Fang Shi agreed with his son's approach, but with so many loans, the pressure was really great.
Damn it, this brat is so heartless, and the more he plays, the worse he gets.
If you go too far, your ancestors' graves will start to smoke.
"Then it's up to you, I don't care about this." Liu Fengqing waved her hand, anyway, she was just nagging.
After lunch, Fang Bai and his father prepared to go out to buy goods.
Time is tight and they will have a lot of cash with them. They need to rent a van to travel. Fang Shi goes to find the van.
Fang Bai went back to the house to sort out the cash. In this era, banks could not withdraw money from other places, so long-distance remittances were not a problem. It was more troublesome to send money to business, and cash transactions were not as convenient.
If you have had transactions with the manufacturer and both parties have gained trust, you can remit money directly to the manufacturer. You don't need to go to the manufacturer every time to purchase goods. You only need to call the manufacturer to tell the manufacturer what to buy and the quantity.
Now, Fang Bai and his father must make a trip in person.
Fang Bai took his father with him, firstly so that the two of them could travel safely, and secondly so that his father could control these purchase channels.
Before planning to purchase goods, the family took out money from the bank and converted the cash at home into hundred-yuan bills.
This time the father and son went out with 400,000 yuan in cash, a total of four bundles of 100-yuan notes, one bundle of ten, each bundle worth 10,000 yuan, and put them directly into their backpacks.
Time is limited and we can't travel too far. This time, we first look for electrical appliance manufacturers in the province. Fortunately, there are many manufacturers of household appliances in this province.
If you purchase goods from other provinces, it will take many days to travel back and forth, and transportation is very difficult and delays things.
At two o'clock in the afternoon, a van parked in front of his house. Fang Shi got out of the passenger cab and went upstairs to look for his son. When he saw his son, he complained: "Oh, it's so difficult to charter a van. The driver is not willing to run out of the city." Besides, I couldn’t give him too much, and I found several drivers who were unwilling to run away. It took me a long time to explain before I found one who was willing to run away, and it’s hard to find a car.”
Fang Bai understood and said, "I'm just afraid of being robbed of my car. How rampant it is now."
It is too inconvenient for him not to have a car. Even if he has a car, it is not convenient for Fang Bai to show that he can drive for the time being. Moreover, funds are tight now and it is impossible to buy a car.
"Yes, I explained to the driver that we are a regular company, but they didn't believe it, so they had to bring me here to have a look. You go down and discuss with the driver. I'll pack my luggage. How long will I be out this time?"
"Three days at most. If you're quick, I'll be back the day after tomorrow." Fang Bai replied that this matter was decided on the spur of the moment.
There's nothing we can do about it. Everything has to wait until the mall is renovated before we can determine whether it can open before New Year's Eve.
If you can't make it, you can only wait until after the Lantern Festival to open. If you buy in advance, there will be no place to go. The price will be different year after year.
Fortunately, the renovation went relatively smoothly and we were able to arrange to open before the Spring Festival, but we were a little short of time.
Today is February 1st, and we plan to open on February 10th. All factories are also on holiday at this time.
Fang Bai went downstairs and explained to the driver that his home was here and the nearby shopping mall belonged to him. This time he wanted to go to the manufacturer to purchase goods, so he chartered a car.
Fang Bai's charter fee is 350 per day, and the charter is for two days temporarily. If it exceeds 200 kilometers, there will be additional fuel costs, and accommodation will be included for the overnight stay.
The driver calculated and found that he could earn about 300 yuan a day. Considering the money, he was a big local boss, so he really didn’t lie to him. He finally agreed, and he didn’t need to bring any clothes. It was winter anyway, and he wouldn’t need to go for two or three days. It's normal to change clothes. Just stop by and explain to your family later.
Traveling with three men is safer.
After Fang Bai took care of the driver, he went back to the house with his father and brought luggage, water to drink on the road, and two sticks, hoping that they would not be used.
At around two o'clock in the afternoon, Fang Bai and his father got into the van and set off. The factories purchasing goods this time were all through the purchasing channels that Fang Bai had discovered.
Time flies by,
Three days later,
Fang Bai and his father returned to Wencheng at three o'clock in the afternoon, both looking exhausted.
In the past three days, they went to Ningcheng and visited six factories in total, most of which were located in Zixi.
Only three factories ultimately placed orders. The first was Ningcheng Zhede, which was established in 1980 and specializes in the production of household refrigerators and washing machines.
The second company is Han D, which was founded in 1983 and specializes in the production of refrigerators, freezers, washing machines, air conditioners, ovens, sockets, cables, etc.
The third company is a state-owned enterprise that produces small household appliances.
There are many manufacturers of refrigerators and washing machines in Ningcheng, such as Han D, Okay, Oaks Air Conditioner, which was established in 1994, and Fotile Kitchenware, which was established in 1996.
There are still many state-owned enterprises in Ningcheng that produce small household appliances, but most of them were acquired or restructured in later generations.
If Fang Bai wants to purchase household appliances in the future, he will mainly purchase them from Zixi, Ningcheng.
He found a state-owned enterprise that produced electric fans. The director of the factory said that he wanted to get a card, but the work efficiency was extremely slow. Fang Bai stayed there for an hour and then left. He had no time to deal with the factory director. He was here to purchase goods, and he was still waiting at the store at home. The goods are on the shelves.
Damn it, if you continue to consume it, it’s hard to say whether you can buy anything.
In addition, it's winter now, who would buy an electric fan, so Fang Bai's temper suddenly rose.
Damn, I won’t buy an electric fan for the time being!
If you want to buy, don't buy this one.
He planned to buy fans at that time, but he just planned to buy some for display.
As a result, the factory director was very arrogant, saying that he didn't have to worry about selling the products that were selling well in the summer, but now production is all about hoarding.
At the other two factories, Fang Bai used golden finger testing and found that there were too many problems with the products, so he had no plans to purchase goods from these two factories.
During this business trip, he mainly purchased refrigerators, washing machines, and air conditioners. Fang Bai originally planned to buy other electrical appliances. Yesterday afternoon, Ye Fan called him and said that the loan was approved and asked him to go over and sign when he was free. We would discuss the details in person. It was not convenient on the phone. chat.
The efficiency was so fast that Fang Bai was shocked.
Damn it, who said bank efficiency is slow? As long as the loan amount is large enough and the president personally takes action, the efficiency can be as fast as possible.
Therefore, Fang Bai spent all the 400,000 yuan on products from three factories. He went home first, and after getting the money, he went to Shangning City to purchase other household appliances.
Fang Bai gave the charter money to the van driver and asked him to make another trip tomorrow morning. He might go out for a few days again and asked him if he was willing.
"Boss Xiao Fang, it's no problem. I'll go back and have a rest first." The driver didn't hesitate. Of course he had to take advantage of such a good opportunity to make money.
During these three days, I was a little tired from driving, but it was great to eat and drink with the boss.
While there was still time in the afternoon, Fang Bai and his father brought the information and came to Ye Fan's office.
Ye Fan showed the prepared loan contract information to Fang Bai and his son, and also explained the loan amount, interest rate, repayment method, repayment period, etc., and asked him to pay attention to paying off the interest every quarter, otherwise it would not affect the renewal of the loan.
"I can only get you 2 million yuan, the term is two years, and the annual interest is 15.8%. The amount is too big, or it can be lower." Ye Fan said.
After discussing with Fang Bai that day, Ye Fan asked someone to conduct a background check on Fang Bai's family.
Yesterday morning, when he got the background check information, he was even more shocked when he didn't expect that Fang Bai was still repeating his studies and had very good grades.
Studying well only surprised him and had nothing to do with the loan.
In the afternoon, Ye Fan took people to Xinghai Shopping Mall for inspection. The novel decoration style was eye-catching. Various promotional banners had been hung on the site, and many passers-by came to join in the fun and watch.
Yesterday, I happened to set up a stall in front of the shopping mall to sell TVs. Sales were booming. No wonder I made money so quickly.
Fresh advertisements, flyers... Ye Fan and others felt that Xinghai Shopping Mall would become popular.
That's why he agreed to Fang Bai's application for a credit loan.
When Fang Shi heard that there were so many loans, he took a deep breath and felt much more stressed.
It didn’t feel like much in the first few days, but when I actually put it into practice and knew that I had to pay back more than 300,000 yuan in interest a year, it felt different.
Fang Bai nodded: "Okay, thank you very much, Mr. Ye."
"Haha, I hope your business will be booming, and I'm under a lot of pressure.
After the contract and other procedures are completed, the loan can be implemented. When do you plan to withdraw the cash?
If you want to withdraw a lot of cash, the bank must prepare in advance. "Ye Fan laughed loudly.
Fang Bai asked: "If I withdraw it all at once, can I get the money tomorrow?"
"Okay, I'll remind you, come over at ten o'clock tomorrow." Ye Fan said, it usually takes a few working days to implement the loan and actually withdraw the cash.
There is even a possibility that the loan will be canceled due to unforeseen circumstances.
Ye Fan agreed. Special matters should be handled on a special basis. Just go through the procedures in person without having to wait for a few working days.
Now Fang Bai is in urgent need of funds for development. Since he agreed, the loan will be simple and will not affect other people's purchases.
If it were a few days later, people might not be willing to lend money, which was one of the reasons why he tried to find a way to help Fang Bai lend money as soon as possible.
If it is a general loan, it should be a few days.
Next, Fang Shi signed the contract and went through various procedures.
Fang Bai invited Ye Fan to have dinner together, and Ye Fan said it for a while.
In the afternoon, the van driver came to see Fang Bai.
Fang Bai said that he would leave tomorrow morning and asked him to come over at nine o'clock tomorrow. He had to go to the bank to withdraw cash first.
The next day, it was about nine o'clock in the morning.
Fang Bai and his father prepared two backpacks and went to the G branch on Nanjiang West Road again to wait for money, fearing that something unexpected would happen.
Even if he agreed to lend money, Fang Bai would not feel at ease until he got the money.
Fortunately, everything went well.
At almost 11 o'clock, Fang Bai and his father left the bank each with a backpack. Each backpack contained one million in cash, all in hundred-yuan bills. Each bag weighed about 23 kilograms.
Get in the van, go home, take your prepared luggage, and set off for Ningcheng again.
If the goods arrive at home, Fang Bai's mother will receive them, and Xiang Tianhai, Chen Yang and others will help check and accept the goods. Fang Bai has left the purchase receipt at home.
If the goods are not received, Fang Bai can just take the purchase receipt to the manufacturer for verification.
This day has arrived, February 5th.
Starting from February 6, Fang Bai and his father went to various manufacturers to start purchasing goods and asked the manufacturers to deliver goods on the same day.
Throughout the whole day on February 7, Fang Bai and his father were still purchasing goods, and the scanning was completed that day.
On the morning of February 8, we set off from Ningcheng back to the city.
At nine o'clock in the evening, the father and son returned to Wencheng exhausted.
I heard from my mother that the first batch of purchased goods has arrived, and the second batch of goods has also arrived in a car and been placed in the display cabinet.
These days, there are no more street stalls, and everyone is making the final sprint for the opening of the mall.