Rebirth 1990: I have three golden fingers

the next day.

It started freezing rain early in the morning, and as soon as I stepped outside, I felt the biting cold.

At about nine o'clock, Fang Bai put on his raincoat and helmet and went out on his motorcycle.

The ground was still icy, so Fang Bai drove very slowly and almost slipped. He felt that he should not ride a motorcycle when going out today, but should take a taxi.

But I had no choice but to ride for only a kilometer or two.

Fang Bai went to Jiawen's Changxin Road Branch N Branch, He Jian, and asked directly: "President He, I submitted a loan application before, but so far I have not received the approval notice.

I want to know why the loan was not approved? "

When He Jian saw Fang Bai arriving, he explained unhurriedly: "Boss Fang, your loan application is still under review and has not been rejected.

Due to some internal adjustments and process delays in the bank, the processing time has been extended, and there is still one last step before the loan can be released. "

"The last procedure?" Fang Bai frowned, a little confused.

"Yes, fast or fast, it mainly depends on what you want."

When He Jian said this, Fang Bai instantly understood, wasn't he just asking for a favor fee?

He put forward his own conditions, which was to grant an approval of 500,000 yuan and a rebate of 2 points;

If you can approve more than 1 million yuan, you will get 3 points of rebate.

He Jian sneered: "Sometimes when I play rock-paper-scissors, if someone else comes out with scissors, what do you think I should come out with?"

"President He, let me think about this." Fang Bai understood immediately.

He was so numb, one fist had either five points or ten points!

The appearance was so ugly, Fang Bai suppressed his anger and planned to go to other banks to have a look.

"Well, just do whatever you want."

He Jian, who was in his forties, was smiling but not smiling, as if he was sure of Fang Bai.

Fang Bai left He Jian's office. If he stayed a little longer, he would have wanted to hit his bald head with a brick: Damn it, you can eat people without spitting out their bones!

Loan interest rates are very high these days. For two years, the annual interest rate reaches a terrifying 16%!

If we give this bald president 5 more rebates, the interest in the first year will be 21%. How is this different from the high-interest loans of later generations?

Loan interest rates are too high, which is also an important reason why most people dare not take out loans.

Of course, the deposit interest is also very high. It reaches 10.98% for lump sum deposits and withdrawals in two years, and 13.68% in five years!

It’s really hard for people who don’t understand this era to imagine.

It goes without saying that interest rates on deposits and loans were high, but they did not come down until 1998.

It has been declining for more than 20 years. By 2022, the interest rate for two-year lump sum deposits and withdrawals is only 2.25%.

Just like this, the mortgage interest rates in the 1990s were very high. If you didn't know the country's economic development in the future, you wouldn't dare to lend you a loan.

Fang Bai put on his helmet again. He didn't want to go directly to various banks, so it would be better to introduce them through acquaintances.

If you have connections, don’t use it, that’s stupid.

Fang Bai went directly to Chen Shi, the leader of the work and moisture department, and came to his office. When he saw the other person, he directly explained his purpose.

Chen Shi still admires Fang Bai very much as a young man. He is aggressive, but he should be prudent when he should, and he also pays taxes legally. He feels that their company should develop very quickly.

It was also good for him to develop quickly, so he planned to help him and asked first:

"Boss Fang, I know Ye Fan, the president of the G branch on Nanjiang West Road. Do you want a loan there?

It should be easy to get a loan at the beginning of the year now, so there is no reason not to lend it to you. "

"Okay, whether it works or not, I'd like to thank the leader first."

"Haha, let me call and ask first. Don't worry." Seeing that Fang Bai was willing, Chen Shi found his phone book and picked up the landline to call the other party.

The phone beeped for a while, and the two exchanged a few polite words before Chen Shi explained his purpose.

After two minutes, end the call.

"No problem. You go over and talk to him in person first. He is in the business. Just go to their business and talk to the lobby manager. Whether it will work or not depends on you. I can only help you so far." Chen Shi didn't finish his words.

Fang Bai stood up, shook hands with Chen Shi, and said gratefully: "Thank you so much. I'll talk about it after the business in the mall is over."

"Haha, it's just a little effort." Chen Shi smiled, understanding what Fang Bai meant.

Through a banquet, I learned that Fang Bai has a very high emotional intelligence and will not owe favors casually.

Now, Fang Bai owed him a favor, and Ye Fan also owed him a favor. There were two at once. Of course he was happy that a capable person could owe him a favor.

Fang Bai left Chen Shi's office, and a few minutes later, he arrived at the G branch on Nanjiang West Road.

Ye Fan is worried about this year's loan task. Their branch absorbed savings too much last year, but no one was willing to lend money.

Chen Shi called and said that a pretty good young boss wanted a loan. The amount was not small. He had his own large shopping mall and his qualifications were good, so I introduced him to him.

This is really timely rain!

He waited in the office and asked the lobby manager to pay attention. If anyone was looking for him, bring him directly and be more enthusiastic.

Fang Bai told the lobby manager to find their president.

"Hello, our president is here. He has asked, please come with me." The lobby manager showed a professional smile, which was as warm and bright as the winter sun.

Fang Bai nodded and walked behind her.

After a while, Fang Bai came to Ye Fan's office.

Ye Fan was sitting in the office waiting. When he saw the lobby manager bringing someone over, he stood up and greeted him with a smile: "Is it Mr. Fang?"

"Hello, President Ye, Director Chen introduced me here." Fang Bai stepped forward to shake hands and give a reminder to prevent others from admitting their mistake.

Seeing the other party be so enthusiastic makes me feel much better than that He Jian.

The other person is in his forties and is wearing formal clothes. His face is slightly weathered and has some traces of time, but it is still full of charm and confidence.

Looking at the other person's upright sitting posture, he felt like he had been in the army.

He still couldn't help but use his golden finger to detect the other party's information. Sure enough, he guessed correctly. He was still a medium-sized officer before, but he just retreated.

There is a pot of blooming flowers in Ye Fan's office, exuding a faint floral fragrance.

Warm lights illuminate the whole room, giving people a feeling of comfort and warmth in the cold winter. This atmosphere is very suitable for discussions. It seems that some thought has been spent on the layout.

Ye Fan said with a surprised smile: "Mr. Fang is really young and promising, which surprises me."

Chen Shi had already told him some about Fang Bai on the phone. He praised Fang Bai as a business genius even though he was young, and he led the family business.

After Fang Bai sat down, the two of them greeted each other politely, and then began to inquire about Fang Bai's situation. This is also the normal procedure of the bank.

To get a loan, you need to let someone know your income and assets.

If it were later generations, the bank staff would conduct a computer survey and find out exactly how much money you borrowed from a certain bank, as well as bank statements.

If you deliberately conceal information or even deceive others, giving them the impression of being unreliable, it will be detrimental to the loan.

Fang Bai talked about the income and expenditure of Xinghai Electric Company. As for Jiayu Company, he did not mention it. They had to go to the site to investigate the asset information in person and conduct credit assessment and repayment ability assessment. It was not just a matter of words.

Now Fang Bai doesn't want his father-in-law to know his specific situation, so there is no need to tell them.

After Ye Fan understood it almost, he asked: "How much money does Mr. Fang plan to borrow?"

“Well, the more, the merrier.

I have invested nearly one million yuan in the construction and decoration of the shopping mall here. Currently, I have 500,000 yuan to spend on purchasing goods, and I am still short of 2.5 million yuan to meet demand. "Fang Bai exaggerated the cost of the shopping mall. These are difficult to check and can only be estimated.

He took out the land purchase contract and title deed from his bag, as well as his and his father's identity certificates, tax certificates and other information.

Since these assets are in Fang Shi's name, his father will have to sign when the time comes.

Ye Fan took the information and read it carefully. After a while, he asked: "15 pieces of land, more than a thousand square meters?"

"Yes, currently only one floor has been built for decoration."

"Well, the investment is huge. How is your current ability to repay the loan? After all, Mr. Fang needs a loan amount that exceeds his fixed assets." Ye Fan would ask about the repayment ability in general, but he would not ask about other people's business secrets.

"In half a year, the after-tax profit will be no less than 500,000 yuan. After the mall opens, I believe it can be paid back soon.

Of course, our company will expand rapidly and require a larger amount of funds. At that time, it will not be a few million yuan, but more than tens of millions of yuan. I believe that our cooperation will be win-win. "Fang Bai said, on the one hand, he told the other party his repayment ability, and on the other hand, he told the amount of funds needed in the future, which is worthy of long-term cooperation.

Through the other party's information, Fang Bai knew that the other party was not a greedy person, so there was no need to talk about rebates.

The officers who retired from the army still persisted in their beliefs.

Next, the two parties started talks and discussed loan guarantee methods, interest rates, repayment methods, etc.

"Mr. Fang, there is no big problem on my side, but we still have to go through the process."

"Understood, thank you, President Ye. I will be on a business trip tomorrow to purchase electrical appliances. The funds will be used up very quickly. I hope to get the loan within a week. Otherwise, if the factory is on holiday, I will not be able to purchase goods and operate it even if I have money."

"The payment is urgent. Let me speed up the process."

Ye Fan felt that the problem was not big, but he still had to go through the process. In addition, it was also introduced by Chen Shi. Even if the person's qualifications were poor, he would have to borrow some money no matter what.

"Yes, otherwise you will miss the promotion before the Spring Festival."

Fang Bai explained that from Ye Fan's inner thoughts, he knew that the loan problem was not serious this time, but that he had to go through the process. The exact amount of the loan has not yet been determined.

"Okay, I understand it almost here. When there is progress, I will call you again."

"No problem, thank you very much, Mr. Ye."

At this point, the matter was over. Fang Bai proposed to treat him to a dinner, but Ye Fan refused, saying that we would wait until it was done.

Fang Bai also understood that it was impossible for him to attend the dinner before the matter was finished, so he left the bank.

On Ye Fan's side, he wanted to inform the relevant personnel to memorize it first, give him the information tomorrow, and then lead a team to conduct an on-site inspection.