Urban Rebirth: The system helps me rise against the wind!
Chapter 579 Loan Proposal
"Brother Tian, you and I don't have to be so polite! It's just because of the help of Professor Zhou Qinglou that we are qualified to take the International Architect Examination. It's just good luck to get to the present step by step."
"Good luck is also one of the necessary conditions for success!" Qin Yun looked at Zhang Yi from the side, and really felt that Qin Meili had vision.
"Don't praise him like that, he will be proud! Let me take care of it in the future!" Qin Meili was upset and said hastily.
"Yes! Xiaoyi, you must be good to our beautiful family in the future, otherwise I will be the first to spare you!" Qin Yun pretended to be serious and said.
The Qin family loved Qin Meili very much, Zhang Yi naturally would not object, and nodded repeatedly.
Tian Ran and Qin Yun had nothing to do when they invited them to come, they were just chatting about family affairs, probably Qin Yun missed Qin Meili.
After drinking for three rounds, we talked about Zhang Yi's application for new building materials.
"My brother is right. You have to hold this project in your own hands. The so-called cooperation is not impossible if you share the same goals, but if you don't have any right to speak in it, it's better not to do it."
"I see!"
"You also said that this material is likely to be the main material for future city construction, so there must be a lot of demand. Let me give you a simple example. For example, this material is produced, although I don't know whether it is based on ordinary meters or It is calculated in cubic meters, but how much is the unit price of a fixed unit alone is a big problem.”
Zhang Yi really didn't think so long-term, and asked: "What's the problem? The production cost of this material is very low, and the price must be cheaper than the current building materials."
"That's your idea! A medicine worth one yuan can sell for thousands of yuan because of the imbalance between supply and demand! Your material is a completely new type of product, and the price may exceed traditional building materials."
"If the price is too high, this kind of building material will not be very competitive, so it is very likely that the future city project will not use this kind of material?"
"Business is far more complicated than you think. In the final analysis, you still have to have the right to speak. As my brother said, if you don't want to get involved in this matter, selling the patent directly may not be a good choice." Qin Yun said .
"The crux of the problem is that I don't have that much money!"
"If you have no money, you can borrow it! Or you can take a loan? Otherwise, what is our bank doing?"
Zhang Yi's heart was shocked. It was still his habitual thinking that restricted him. He always thought about using his own money to do this, and never considered the loan.However, if it is determined that the market for new building materials is vast, it is not a bad idea to make some bold moves.
"Don't listen to my sister-in-law. She just wants to generate income for their bank. The interest on the loan is so high! You can borrow it from my dad without interest!" Qin Meili said quickly.
"His matter can't be solved with [-] or [-] million, and your father doesn't have that much spare money!" Qin Yun glared.
Zhang Yi didn't speak, and bowed his head in thought for a while.The Qin family is rich, but if he opens his mouth to borrow money from Qin Xiao, Qin Xiao will definitely impose other conditions, which will not be good.As Qin Meili said, no interest is required, that is even more unacceptable to Zhang Yi.
"How much can my patent be loaned in your bank?" Zhang Yi asked.
"Although your patent is very valuable, it still needs to go through our evaluation. You should be able to borrow about [-] million yuan." Qin Yun said truthfully.
"That's not enough!" Zhang Yi hesitated.
"If you have any real estate mortgages, you can naturally borrow more." After Qin Yun finished speaking, he glanced at Qin Meili.
Zhang Yi immediately understood what Qin Yun meant. His project was favored by everyone, but he had no funds.The Qin family has money and land. In the final analysis, Qin Yun's thoughts are the same as Qin Xiao's, and he just wants him to be firmly tied to the Qin family.As long as he took the Qin family's money or used Qin Meili's house as a mortgage to make a loan, then before marriage, Zhang Yi owed the Qin family a big favor.
Even if the money is repaid in the future, this great favor will always exist, and maybe Zhang Yi will be branded as relying on the Qin family to make a fortune.
This is different from accepting a car, that is a billion investment, not a small sum of money.
Both Qin Xiao and Qin Yun's thoughts were correct, maybe it was because they were uneasy about Zhang Yi's rapid development, or they hoped that Qin Meili would take a bigger role in their married life in the future, but Zhang Yi didn't want to do that.
Qin Meili just wanted to say that if she needed a house, she could use the shops in Emerald City as collateral, but Zhang Yi stopped her.
"Money is indeed a problem for me now, but after a while, maybe it won't be a problem. If it doesn't work, I can wait for this project."
Qin Yun didn't know why Zhang Yi said that he would not be short of money in two years, but since he had already said to wait, he couldn't say anything more, "It's okay, in fact, you can still raise money, as long as someone invests in you Money, you can still start this project. However, you will lose part of your rights and profits, but how can things be perfect?"
Tian Ran raised his glass, "I'm dizzy from what you've said. Nothing is smooth sailing. Investment is risky. Be careful! Drink!"
Zhang Yi knew that he had a feeling and said, "Brother Tian is right. Whether this matter is a cooperation, a loan, a loan or financing, I didn't think too much about it. Anyway, I am not in a hurry!"
Qin Yun smiled and said: "Just remember, we are your strong backing, if you need anything, just ask!"
Qin Meili looked at Zhang Yi's face and said, "What's yours is mine, and what's mine is yours!" It sounded like a tongue twister, but Zhang Yi understood.
The four drank two bottles of red wine, and finally Tian Ran paid the bill, and everyone dispersed.
Qin Yun will go back to Shenchuan tomorrow, and Tian Ran will go back with her.
Seeing them inseparable, Qin Meili was a little envious.
In the early morning of the next day, Zhang Yi also sent Qin Meili to school, and then drove to the headquarters of Huatian Chemical Company.
This company was introduced by Fang Hua to Zhang Yi, but Fang Hua was just a middleman, and the other party didn't seem to know Fang Hua's existence.
The agreed time was ten o'clock, and Zhang Yi arrived at the other party's headquarters at 09:30.
This is a 24-story building. After parking the car in the underground parking lot, Zhang Yi came to the lobby.
Although Fang Hua said to ask Zhang Yi to come over at ten o'clock, he didn't say who to call Zhang Yi, so he had to go to the service desk and asked the front desk lady inside: "Hello, my name is Zhang Yi! I have an appointment with the leader of your company today. Meet at ten to discuss a project."
There were two receptionists inside, and one of the younger receptionists asked Zhang Yi: "Which leader are you looking for?"
"I don't know who the leader is. It should be the person in charge of discussing cooperation projects!" Zhang Yi said.
The receptionist rolled his eyes, "There are more than a dozen people in charge of the type you mentioned, and I can't ask you all of them?"
"Good luck is also one of the necessary conditions for success!" Qin Yun looked at Zhang Yi from the side, and really felt that Qin Meili had vision.
"Don't praise him like that, he will be proud! Let me take care of it in the future!" Qin Meili was upset and said hastily.
"Yes! Xiaoyi, you must be good to our beautiful family in the future, otherwise I will be the first to spare you!" Qin Yun pretended to be serious and said.
The Qin family loved Qin Meili very much, Zhang Yi naturally would not object, and nodded repeatedly.
Tian Ran and Qin Yun had nothing to do when they invited them to come, they were just chatting about family affairs, probably Qin Yun missed Qin Meili.
After drinking for three rounds, we talked about Zhang Yi's application for new building materials.
"My brother is right. You have to hold this project in your own hands. The so-called cooperation is not impossible if you share the same goals, but if you don't have any right to speak in it, it's better not to do it."
"I see!"
"You also said that this material is likely to be the main material for future city construction, so there must be a lot of demand. Let me give you a simple example. For example, this material is produced, although I don't know whether it is based on ordinary meters or It is calculated in cubic meters, but how much is the unit price of a fixed unit alone is a big problem.”
Zhang Yi really didn't think so long-term, and asked: "What's the problem? The production cost of this material is very low, and the price must be cheaper than the current building materials."
"That's your idea! A medicine worth one yuan can sell for thousands of yuan because of the imbalance between supply and demand! Your material is a completely new type of product, and the price may exceed traditional building materials."
"If the price is too high, this kind of building material will not be very competitive, so it is very likely that the future city project will not use this kind of material?"
"Business is far more complicated than you think. In the final analysis, you still have to have the right to speak. As my brother said, if you don't want to get involved in this matter, selling the patent directly may not be a good choice." Qin Yun said .
"The crux of the problem is that I don't have that much money!"
"If you have no money, you can borrow it! Or you can take a loan? Otherwise, what is our bank doing?"
Zhang Yi's heart was shocked. It was still his habitual thinking that restricted him. He always thought about using his own money to do this, and never considered the loan.However, if it is determined that the market for new building materials is vast, it is not a bad idea to make some bold moves.
"Don't listen to my sister-in-law. She just wants to generate income for their bank. The interest on the loan is so high! You can borrow it from my dad without interest!" Qin Meili said quickly.
"His matter can't be solved with [-] or [-] million, and your father doesn't have that much spare money!" Qin Yun glared.
Zhang Yi didn't speak, and bowed his head in thought for a while.The Qin family is rich, but if he opens his mouth to borrow money from Qin Xiao, Qin Xiao will definitely impose other conditions, which will not be good.As Qin Meili said, no interest is required, that is even more unacceptable to Zhang Yi.
"How much can my patent be loaned in your bank?" Zhang Yi asked.
"Although your patent is very valuable, it still needs to go through our evaluation. You should be able to borrow about [-] million yuan." Qin Yun said truthfully.
"That's not enough!" Zhang Yi hesitated.
"If you have any real estate mortgages, you can naturally borrow more." After Qin Yun finished speaking, he glanced at Qin Meili.
Zhang Yi immediately understood what Qin Yun meant. His project was favored by everyone, but he had no funds.The Qin family has money and land. In the final analysis, Qin Yun's thoughts are the same as Qin Xiao's, and he just wants him to be firmly tied to the Qin family.As long as he took the Qin family's money or used Qin Meili's house as a mortgage to make a loan, then before marriage, Zhang Yi owed the Qin family a big favor.
Even if the money is repaid in the future, this great favor will always exist, and maybe Zhang Yi will be branded as relying on the Qin family to make a fortune.
This is different from accepting a car, that is a billion investment, not a small sum of money.
Both Qin Xiao and Qin Yun's thoughts were correct, maybe it was because they were uneasy about Zhang Yi's rapid development, or they hoped that Qin Meili would take a bigger role in their married life in the future, but Zhang Yi didn't want to do that.
Qin Meili just wanted to say that if she needed a house, she could use the shops in Emerald City as collateral, but Zhang Yi stopped her.
"Money is indeed a problem for me now, but after a while, maybe it won't be a problem. If it doesn't work, I can wait for this project."
Qin Yun didn't know why Zhang Yi said that he would not be short of money in two years, but since he had already said to wait, he couldn't say anything more, "It's okay, in fact, you can still raise money, as long as someone invests in you Money, you can still start this project. However, you will lose part of your rights and profits, but how can things be perfect?"
Tian Ran raised his glass, "I'm dizzy from what you've said. Nothing is smooth sailing. Investment is risky. Be careful! Drink!"
Zhang Yi knew that he had a feeling and said, "Brother Tian is right. Whether this matter is a cooperation, a loan, a loan or financing, I didn't think too much about it. Anyway, I am not in a hurry!"
Qin Yun smiled and said: "Just remember, we are your strong backing, if you need anything, just ask!"
Qin Meili looked at Zhang Yi's face and said, "What's yours is mine, and what's mine is yours!" It sounded like a tongue twister, but Zhang Yi understood.
The four drank two bottles of red wine, and finally Tian Ran paid the bill, and everyone dispersed.
Qin Yun will go back to Shenchuan tomorrow, and Tian Ran will go back with her.
Seeing them inseparable, Qin Meili was a little envious.
In the early morning of the next day, Zhang Yi also sent Qin Meili to school, and then drove to the headquarters of Huatian Chemical Company.
This company was introduced by Fang Hua to Zhang Yi, but Fang Hua was just a middleman, and the other party didn't seem to know Fang Hua's existence.
The agreed time was ten o'clock, and Zhang Yi arrived at the other party's headquarters at 09:30.
This is a 24-story building. After parking the car in the underground parking lot, Zhang Yi came to the lobby.
Although Fang Hua said to ask Zhang Yi to come over at ten o'clock, he didn't say who to call Zhang Yi, so he had to go to the service desk and asked the front desk lady inside: "Hello, my name is Zhang Yi! I have an appointment with the leader of your company today. Meet at ten to discuss a project."
There were two receptionists inside, and one of the younger receptionists asked Zhang Yi: "Which leader are you looking for?"
"I don't know who the leader is. It should be the person in charge of discussing cooperation projects!" Zhang Yi said.
The receptionist rolled his eyes, "There are more than a dozen people in charge of the type you mentioned, and I can't ask you all of them?"
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