blackstone code

Chapter 758

"While it's against the rules, I don't think it's a problem!"

The head of the Royal Bank's loan department said this to a nobleman with a smile. The nobleman's face, which was a little displeased, also showed a reserved smile.

The aristocrat came early in the morning and asked to mortgage his manor, villa, luxury car, and a large amount of art and jewelry.

To be honest, meeting such nobles often means making a lot of money. There are two situations for such nobles.

The first is that they may have participated in a gamble and lost all their assets.

There are also gamblers among the nobles, and they play very big.

A gamble of one or two hundred, one or two thousand, or even one or two thousand and one hundred and twenty thousand wins and losses seems a bit unexciting to them.

When the amount of money reaches a certain level, winning or losing is really just a change in digits, and this kind of change is hard to make people's heart beat faster.

Only by gambling on family property can these gambler nobles feel that kind of happiness, the kind of happiness of stepping on the tightrope of fate and slowly moving forward in the abyss, the kind of happiness of facing an unknown fate.

There are not no nobles who have gone bankrupt at the poker table in the history of Gafla, and there are more than one.

Another situation may be that the "life cycle" of these nobles is about to end. For example, if they are not sure whether they can get a new favor from His Majesty the Emperor, they may become civilians.

The assets they hold are likely to become an inducement for them to suffer. At this time, it is a good choice to exchange property for money and then leave Gefra. Of course, use the money to establish relationships and find a way to get the Privy Council to declare grace for them. Also a possibility.

No matter which situation requires them to mortgage their properties to the bank, it means that the bank can make a lot of money. Even if these people are nobles, it is impossible for the bank to give them loans at [-]% of the market price.

70.00%, this is already the biggest concession. If civilians want to borrow money, they can only get 40.00% to 50.00% of the actual value of the mortgage in the noble and royal banks. In the merchant's bank, they can get slightly higher A little, but not more than 60.00%.

Although 70.00% may not seem like a lot, it is actually quite a lot, especially in the hands of nobles who always have some good things.

For example, rewards from the royal family, gifts from nobles, or various artworks that some capitalists want to rely on to contribute. If the estimate is too high, they may use the bank as a channel for cash.

Early in the morning, the nobleman who came to borrow money mortgaged almost all of his property at one go. Although the business could make money, it was not very easy to approve because the loan was too much.

Fortunately, this is just a small nobleman, and his family background is not that rich.

While saying that this matter is difficult to handle, he smiled and pressed his seal on the contract, showing that this matter is really difficult to handle from a business-like point of view, and at the same time showing that he is responsible for the whole matter. No matter what happens in the future, at least he will not be a "wicked person".

"I'll have the money transferred to your account later..."

The little nobleman smiled and nodded to express his satisfaction with the supervisor's work. He seemed to ask casually, "Can I give cash?"

The supervisor was a little...surprised, "Are you sure you want cash?"

"The amount of cash would fill our house, it would be a hassle to transport, and it would be known that you have so much cash in your house, which could lead to unmanageable security issues."

The little nobleman hesitated, "I'll make a phone call..."

Under the leadership of the supervisor, the little nobleman entered the lounge and came out about a few minutes later, his expression returned to the original indifference, "Yes, but you must ensure that when I want to withdraw the money at any time, they must be To be able to withdraw it, we need to sign an agreement..."

The supervisor couldn't understand, but the nobles have always been a group of people who people don't understand, "Actually, you don't need to worry about this problem at all. As the head office of the Imperial Bank, we have the confidence and strength to honor any withdrawal request at any time!"

There was a genuine pride on his face when he said this, and he also left out the word "Royal", which should be Imperial Royal Bank.

This aspect also reflects the strength of the Imperial Royal Bank.

It's just that he is very confident that he can do this, but the little noble doesn't think so, "If we can't sign a supplementary agreement, then you have to give me cash, and you don't need to think about safety issues."

Seeing that the noble didn't seem to be joking, the supervisor hesitated, "I need to ask, please wait a moment."

After he left the room, he went to the next room and reported the news to the executive chairman who was currently in charge of the bank's work through the internal phone.

Although the executive chairman also felt a little baffled, it was really inconvenient to think about taking out so much cash all at once—the underground vault used by the Imperial Royal Bank to store cash was very troublesome to open, requiring many procedures, and The five directors inserted their keys in at the same time.

For such a small amount of money, tossing around for an hour or two, he didn't think it was worthwhile.

"I agree with you in principle to sign this supplementary agreement, but pay attention to the wording in it, and ask the people from the legal department to help you draft the agreement..."

Not long after, the supervisor returned to the room with the agreement red letter, and signed this supplementary agreement with the little nobleman.

If the little noble cannot withdraw his own money from the bank account when needed, the bank will pay at least 5.00 times the compensation, and for each day in arrears, the total compensation will be increased by [-]% on the basis of the previous day's total .

There seemed to be no major problems with this agreement. After the two parties signed it, the supervisor personally sent the nobleman away.

Before he returned to the office, he had not had time to rest when the call from the reception reached him, and another nobleman wanted a loan.

"What's the matter?" The supervisor looked at the phone with some doubts, but he still received the nobleman.

This nobleman had similar requirements to the previous nobleman, as much mortgage as possible and cash, and the other party was well prepared, bringing all kinds of property rights certificates, and several servants pushing carts, bringing ten Several wrapped oil paintings were brought in together with some artworks.

After having the same set of procedures, the other party also asked to sign a supplementary agreement.

After all the agreements were signed, the supervisor asked softly, "It's very presumptuous to ask a question, why do you ask to be able to withdraw cash at any time?"

The noble in front of the supervisor glanced at him, shook his head, and said nothing, but even if he didn't speak, the supervisor seemed to understand something.

"Sorry, I was reckless." He took the initiative to stand up and send the nobleman away respectfully.

After the nobleman got into the car, he immediately went to the office of the executive director, and said something that confused him, "Just now another nobleman came to mortgage the property and asked for cash, I think... there may be a third One, the fourth!"

The executive chairman is an old man in his sixties. He put down his work and looked at the director of the loan department, "What do you want to express?"

The supervisor was a little hesitant about whether he should say it, and finally he felt that he should say that if something really happened, he might also bear part of the responsibility.

Now that he speaks out about the problem, if something really goes wrong, the responsibility does not rest on his head.

"If they all come to borrow money and designate cash and withdraw it at any time, will it affect our normal work?" The supervisor spoke in a very tactful way. He didn't say whether there is enough money in the treasury, but only said that it would affect normal work. .

The executive director thought for a while, then shook his head, "Don't worry about it, we have the ability to pay for what they want to embody, you have to believe in yourself, if you can't even handle this, we won't be an empire The biggest bank ever!"

The executive chairman picked up the pen after finishing speaking, but his eyes were still on the supervisor, "Is there anything else?"

The supervisor originally wanted to say something, but the executive chairman had already told him not to disturb his work, and if he asked further, he might offend the executive director, so he could only choose to leave.

What he wanted to say was that the money of those nobles in the bank was not only the part of their loans, but also their own deposits, which was also not a small sum.

But the executive chairman is obviously not interested in these issues, and he will not intervene.

He reported the problem, so he doesn't need to bear joint and several liability for the problem, and he has nothing to do with the loss or anything.

Next, new nobles appeared, not only the Imperial Royal Bank, but all the banks in the imperial capital and the surrounding cities had a phenomenon of nobles borrowing a lot. For a while, there seemed to be a special smell that filled the surroundings of the imperial capital. A faint smell of blood.

It's like... a drop of blood falling into the sea, and it spreads out in strands. You know it's in the water, but you just can't see it.

You can't see, but some things can "see", like sharks.

At 09:30 in the morning, the Gefra financial index plummeted after the opening, directly falling by [-]%.

The main reason for this sharp drop is what the Minister of Finance said on the TV program last night. He wants to thoroughly investigate the operation of listed companies.

This is not a joke. The trading of six heavyweight stocks has been suspended, and all bank accounts have been frozen. The Chancellor of the Exchequer has shown that he is really not joking.

But just when people thought that the Gefra financial index might continue to plummet, an incredible scene appeared.

Not only did the financial index not continue to go down, but after a period of sideways trading, it turned up slightly, and it was pulled up a little bit. Although it was not much, it did turn up on the trend chart drawn by people!

The news quickly spread throughout Gafla, and the Minister of Finance also knew the news.

However, he didn't show any joy. Instead, he had a sneer on his face, and it is said that he even cursed.

"Bad bones!"

(End of this chapter)