Rich to the third generation

I chatted with Nong Qingying before and learned that I was applying for a mortgage.

From Nong Qingying, Su Yehao got the phone number of the bank manager who helped her with the loan. It was a Japanese company called "First Quanye Bank".

Originally, Su Yehao was resistant to this kind of "little famous" bank.

He didn't know much about it, and it was the first time he heard about First Quanye Bank, so he naturally felt that the scale was small, like a motley crew.

But Nong Qingying told me that the days of Japanese banks have been difficult in the past few years. Bankruptcy, reorganization and reorganization, in order to grab business and compete for the market, the discount is quite strong.

On the basis of not clearly disrupting the market order and lending at the stipulated interest rate, the interest can be returned in other ways.

The word "rebate" immediately aroused Su Yehao's interest.

After Japan signed the Plaza Accord that year, housing prices plummeted and the economy was depressed.

Su Yehao knew that the Japanese banking industry was still in the so-called lost era.

Yin Liuli had a copy of "Tokyo Love Story" beside her bed. The cover of this book was shaking a few days ago, and Su Yehao happened to see it.

Afterwards, I turned over a few pages casually, and the traditional characters in the vertical layout made my head look big.

Of course.

It may also be due to hypoxia vertigo.

Anyway, during the fun at the racing track, the Hong Kong City Branch of the First Quanye Bank arranged for a manager to come with two small staff, and asked Su Yehao to discuss the details of getting a mortgage for a luxury house.

A large amount of money is involved, so we have to be cautious.

Su Yehao's professional racing suit hadn't been changed yet, and his shoulder was hurt by the four-point seat belt. It was a rare opportunity to slam on the gas pedal.

The three bank staff, all locals in Hong Kong City, greeted him one by one and handed him their business cards.

Su Yehao was always afraid that he would suffer a lot if he was not careful. Su Yehao said vigilantly: "The mansion I have in Shangfeng and Shangshui is similar to Miss Nong Qingying's house, and I spent a few million more on decoration. If I take out the loan now, the most I can give How much do I borrow?"

"May I ask, the real estate certificate..."

"It's all there, everything is in my hands."

After finishing speaking, Su Yehao did not forget to add: "I asked other banks before, but Ms. Nong told me that the interest rate of your bank is low and there are rebates. Today I mainly want to find out first."

Ambiguous routine.

The meaning of the words is nothing more than to cooperate with any bank where it is beneficial.

The manager named David in English recognized it, with a smile on his face:

"Our bank is in a period of expansion. If you ask anywhere, it must be the best deal. Generally, the loan can be issued at 500% off the appraised price. If it is the same size as Miss Nong's house, about [-] million should be no problem. Someone If you are responsible for the guarantee, you can get more loans, I think you look familiar, may I ask you, master...who are your parents? And the purpose of the loan, can you tell me?"

"I need to check the account for a loan? I just don't want to take money from my parents, so I want to take a loan and invest in my own business. Don't worry, it must be the right way to use it."

Su Yehao put on a handsome face.

I thought it would be best to take the opportunity to borrow more. Compared with the possible profits, the bank interest is still quite cost-effective.

There is a saying that rich people are good at making money with bank money.

Although he didn't have much money in his previous life, Su Yehao remembered this sentence.

So, he continued to say to Manager David: "Don't ask others to guarantee it, I will guarantee it for myself. I have an account with assets of more than 6000 million Hong Kong dollars in Standard Chartered Trust and Wealth Management Company under Standard Chartered Bank. My mother insists on teaching me to learn how to manage money, it's really annoying."

Versailles.

Blatant Versailles.

Su Yehao was worried about the problem of loan approval, so he seized the opportunity to show his hand.

Manager David's face trembled.

Fortunately, I often deal with rich people, and I can still be stable.

The two young girls behind him didn't have enough fire skills, and they had surrendered at this moment, with nympho written on their faces.

Su Yehao was handsome, so he killed [-]% of the people first.

Because you are young, add a few points.

In addition, he is a rich man with tens of millions of real estate and other assets, with sound limbs, clear mind, and no obvious bad eccentricities.

Taken together, it is enough to kill more than 99.9999% of men in seconds.

It can only be said that Su Yehao has always underestimated his competitiveness in the eyes of the opposite sex.

Zhao Yimeng's disgust, Jiang Yu's indifference, Nangongtian's humiliation, Linda Yun's emphasis on learning... These intangibles made him misunderstand.

Actually once the standard is lowered.

Many times, when the accelerator is stepped on and the supercar roars a few times, the girls chasing him should stand in line.

Men are easily distracted when they meet beautiful women, and the same is true for girls.

This also explains why even if he is notorious, every Valentine's Day, there are always more love letters in Su Yehao's desk drawer, hoping that he can be scumbags on himself.

It's really normal for the two clerks to stare at Su Yehao as a nymphomaniac...

Find a place to sit and chat with Manager David.

It was later discovered that the annual interest rate of bank loans in Hong Kong City was as high as 8.5% to 9%. Even if the loan period was long, the top discount could only be achieved at about 7%.

But if you go to Japan to borrow money and borrow Japanese yen directly, the loan interest rate can reach about 2.45%, and you can also enjoy preferential treatment.

Someone once said that the mortgage interest rate is affordable. Isn't this thing much lower than the mortgage interest rate?

Su Yehao's heart was moved instantly, and he finally understood why Manager David kept asking him what he was going to do with the loan.

If you use it to continue to buy Yahoo stocks, or take it to the mainland to do business, there is no need to operate directly in Hong Kong City.

He has real estate and asset mortgages, which is just suitable for this type of loan.

For ordinary people, the amount of funds is too small, and no one will take care of them at all.

Still have some doubts, worried about being cheated.

Knowing too little about these aspects, Su Yehao was very moved, but did not give an answer for the time being.

Immediately, he made indirect remarks and asked Nangong Tian, ​​He Shaofan and others, only to find that a lot of rich and capable people were operating in this way, which was quite normal and very common.

Su Yehao sighed at this... Judging from his vision alone, he is indeed a fake third generation.

No wonder he wasn't smart enough.

It's just that I know too little and have never been in contact.

What's more, there was no need to contact them before, after all, they couldn't even afford second-tier houses.

In this way, the trouble of getting a loan will be solved soon, and the cost will be much lower than what Su Yehao imagined.

The key now is to find a knowledgeable person who is responsible for controlling risks and helping to make suggestions.

It is actually quite appropriate for Zhugan's parents to run an accounting firm.

But Huyou Zhugan's parents have a close relationship with Universal International, and if they get too close, the news will easily reach Father Su's ears.

until this time.

Only then did Su Yehao realize that there was no one around him who could do things.

Yin Liuli barely counts as half, limited to restaurants and cafes.

In this matter, she could not help at all.

Think about it.

In the end, Su Yehao still pulled the bamboo pole aside, and first asked if his parents' accounting firm would be principled and keep 100% confidential for customers if he took over the business...

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In the evening, after eating in Central, I returned to Las Vegas by boat.

There is still class tomorrow.

When they returned to Las Vegas, the group of them continued to go swimming at He Shaofan's house. The light blue water was sparkling under the light.

Nangongtian, this little girl, is charming on the outside and stable on the inside.

Bao Yajun asked her why she didn't change her clothes and went into the water. She said that she was in such a good shape that she only wanted to show it to Su Yehao.

Forcibly stuffed with a big mouthful of dog food, Bao Yajun was in a bad mood.

After swimming, He Shaofan felt that it was not enough, so he proposed to go to the casino.

You can go in, they are all up to the age standard.

Put it aside.

Su Yehao is always the first to respond.

But tonight he said: "I have nothing to do with gambling and drugs, no one can drag me into the water."

Nangong Tian smiled happily at first.

It was only later that she realized that there seemed to be something strange...

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At the entrance of the Queen's Court Club, there are two more mainlanders tonight.

Wandering back and forth, not scattered for a long time.

Could it be the representatives of Yinhai Software Company, they heard that Papa Su likes to come here, and they specialize in blocking people.

The security guard at the gate looked at the two of them with unfriendly eyes.

I was wondering if it was a paparazzi, a thief, or someone who messed up...