Shenhao: I can see the goddess’s wish list

He chuckled to himself.

This beautiful queen is exposed.

This beautiful lady's thoughts are very simple, and she doesn't think deeply about them at all.

On the surface, Tang Ya revealed the situation through the refrigerated soda water and the hot brown sugar water.

Even if what she revealed was false.

But she made a point.

This attitude was also exposed, and Tang Ya started thinking in that direction.

If Tang Ya didn't think so, why would she take the initiative to use ice soda water and hot brown sugar water to make a contrast and hint?

So Luo Feng laughed secretly in his heart, Tang Ya finally exposed her thoughts.

but?

This time it was a rejection.

So what about next time?

In fact, Luo Feng was also very conflicted, but now it seems that it is more appropriate to give the choice to Tang Ya.

After all, Luo Feng is a good man.

The principle of a good man is not to take the initiative, not to refuse, not to take responsibility, and not to remember.

Luo Feng picked up the soda water, opened the bottle cap, took a sip first, and then put it on the table in front of him together with Tang Ya's brown sugar water.

He said that he had understood Tang Ya's hint.

Luo Feng took the initiative to say, "Auntie, what are these loan application materials?"

Tang Ya saw Luo Feng put the refrigerated soda water next to the brown sugar water. The hot brown sugar water and the refrigerated soda water with frost on the outside of the bottle really formed a sharp contrast. She said, "There are some problems more or less. The main reason is that the risk of bad debts is too high!"

"Then let's wait for our Jiamei Company's project in Qiliwan!" Luo Feng said casually.

"By the way, Auntie, how far are you from reaching your KPI?" Luo Feng asked.

Tang Ya was a little embarrassed, "Your family should not be short of funds, right?"

"Theoretically, there shouldn't be a shortage of funds!" Luo Feng said frankly.

Sometimes, a candid answer is the better choice.

"However, since Auntie has a KPI task, we can also get funds for Jiamei from other channels, so it's the same to go to your bank!" Luo Feng said, "After all, you and I both know that capital money has many uses. What capital needs most is cash flow. For example, this project requires 100 yuan, but we have 100 yuan in hand, so we can use this 100 yuan to do other things. Jiamei's project will be lent to you. It's nothing more than that we need to pay interest, but if the project we invest in with this 100 yuan far exceeds the bank's interest, then we're making money, aren't we?"

This is capital.

They are never afraid of having too much cash flow.

As long as you have money to lend him.

He wants it no matter how much.

Tang Ya understood what Luo Feng meant, but a warm feeling also flowed through her heart.

Although what Luo Feng said made sense, if it wasn't because of the relationship between Luo Feng and Bai Ningbing, why would Luo Feng ask their bank to borrow money? Even if he asked their bank to borrow money, why would he let Tang Ya handle such a loan project?

"Auntie, how many tasks do you still have to complete?" Luo Feng asked again.

The last time the bank lent money to Jiamei Company, the interest rate was indeed very low.

It sounds like the bank is losing money.

But in reality the bank did not lose money.

Because banks have the ability to allocate funds, they have a large amount of demand deposits.

The interest on these deposits is basically negligible.

These current deposits can be used to lend to Jiamei Company.

In this case, wouldn't you make money?

The main thing is that in the case of Jiamei Company, there will be no bad debts and the reputation is very good.

So their bank is willing to use low interest rates to obtain Jiamei's business.

Although the bank did make money, Tang Ya could hardly make any money under such business circumstances. After all, the interest rate was too low.

"What is the current standard loan interest rate of your bank?" Luo Feng asked.

"One year is 4.35, one to three years, and three to five years, all are 4.75. The only difference is the difficulty of the review!" said Tang Ya.

"If it's more than five years, the loan interest will start at at least 4.9%, and the review will be very strict. The inspection and review of the collateral will also be very strict." Tang Ya continued.

Luo Feng nodded slightly and asked again, "If the standard loan interest rate is used, how many tasks does Auntie still need?"

Faced with Luo Feng's third question, Tang Ya did not hide anything and said, "If it is at the standard interest rate, there is still about 60 million left!"

Tang Ya continued, "It's mainly a problem with loan review. Some projects are obviously scams, and they completely treat the banks as fools!"

"What about the loan period?" Luo Feng said.

"There are no restrictions. Whether it is six months or more than five years, everything is possible. The only requirement is stability to avoid bad debts!"

What banks are most worried about when it comes to mortgage loans is not how much you earn.

It's profit anyway.

But if bad debts occur, it will lead to real losses, and huge losses.

After all, if I can’t pay back the money, how can I not suffer a huge loss?

Luo Feng smiled and said, "Then our Jiamei will borrow 100 million yuan for the Qiliwan project for one year, and the interest rate will be calculated according to the standard loan interest rate!"

Tang Ya frowned, but refused and said, "Your Jia Mei can get more favorable loan terms!"

"But the preferential conditions can't help Auntie, right?" Luo Feng looked at Tang Ya with a smile.

Faced with Luo Feng’s sincere answer.

And that sincere look.

Tang Ya's face began to turn red.

She lowered her head and said nothing because she had no idea how to answer.

To Tang Ya, what Luo Feng just said was too attractive.

The powerful aura revealed in such a casual manner filled Tang Ya's heart with affection.

"Auntie, I will come over to sign the contract when you go to work tomorrow!" Luo Feng made the decision directly without giving Tang Ya any chance to refute.

For Luo Feng.

Just go and borrow 100 million.

Even if the interest rate is a little bit higher.

But it's just a small matter.

Luo Feng knows human nature. He thinks from Tang Ya's perspective. For Tang Ya, she can only refute this matter, otherwise it would seem that she is after money.

Therefore, Luo Feng’s direct decision was the best option, so as not to put Tang Ya in a dilemma.

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