Reborn in 1985, he made a fortune from space

Chapter 530 Loans

"So that's it." Everyone then understood. It turns out that banks can not only save money and earn interest, but they can also give interest to banks and borrow money from banks.

"Okay, I'll help you find someone to ask about this." Ge Chengrui has actually heard of borrowing money from banks.

The brother he had contacted before who had borrowed money from the bank once said that in recent years, everyone likes to deposit money in the bank to earn interest, and this is not the way to go.

So what banks want to do most now is to make money make money.

That is to lend money to some units and factories, or to buy and sell treasury bonds.

So Lao Ge thought that this matter could be dealt with.

That's how things settled.

The meal was over.

A few days later, Lao Ge brought a middle-aged man wearing glasses to Capital University to find Xiao Guofeng.

This time Xiao Guofeng did not take Liang Jianguo and the others, and he went to see Lao Ge alone.

"This is Comrade Liu Weijun, the vice president of Dongcheng District Credit Union." Lao Ge introduced the two of them, "Comrade Liu Weijun, this is classmate Xiao Guofeng. Even though he is still in his junior year, this kid has already started to do The business is over. Now the most prosperous dessert shop on Wangfujing Street is opened by him."

"How are you, classmate Xiao Guofeng." Liu Weijun stretched out his hand to shake Xiao Guofeng's hand, "I have been familiar with you for a long time. I didn't expect that Comrade Guofeng has already started doing business at such a young age."

Liu Weijun knew Xiao Guofeng, and he had the impression that he came to the capital to appear on TV and retake the exam because his college entrance examination results were stolen the year before.

He thought that a student from a remote place like Xiao Guofeng would not have any interaction with him, so he stopped paying attention to him later on. However, he did not expect that just how long had passed, Xiao Guofeng was still studying at Capital University. Three students will come to him for loans.

"Hello, Mr. Liu." The other party was an elder. Xiao Guofeng immediately held the other party's hand. After the two sides exchanged greetings, Xiao Guofeng took them to cook the mutton again.

"Classmate Guofeng, we have learned about your situation. I also know that you also have a courtyard house in Shichahai. Do you think you want to do business? You can use two properties as mortgages and I can give you a mortgage. What do you think of a little more?"

When the mutton was almost cooked, Liu Weijun spoke.

"President Liu, do you have a loan assignment?" When Xiao Guofeng heard Liu Weijun's words, he knew that he must have a loan assignment, otherwise there would be no need for a vice president like him to come out to run the business.

It is indeed difficult to find banks now. After all, there are no investment channels for people now. In addition, they have just come through hard times, and they are reluctant to spend the money they have. They all want to deposit it in the bank and earn more interest.

But banks also want to make money. When the deposit balance is saturated, and when they lend customers' money deposited in their banks to some factories and units, but cannot collect the money back, banks also have a crisis.

So banks also want to create profits.

Treasury bonds and mortgages are the best way for banks to create profits.

"To be honest, we do have a loan task now. Classmate Guofeng, I saw your house and bought it. It is unlivable. How about you knock down Shengjian and I will lend you the money to build the house." Liu Weijun did not hide it. It was almost the end of the year, but their tasks had not been completed yet.

It’s not that no one wants a loan, it’s the factories and units that want a loan. The money they borrowed five years ago has not yet been repaid. They have too much debt to bear, but they, the bank leaders, are also in trouble because they cannot collect the loan. big.

You know, not being able to collect the loan is stressful, but getting it back puts pressure on them.

But those factories and units that owe loans have no money to pay back, so what can they do?

Some factories are now going bankrupt because they cannot pay wages. Their factory equipment warehouses are not worth compared to the loans they borrowed.

Vice President Liu felt that he was so worried that his hair had fallen out.

Therefore, people like Xiao Guofeng, who have multiple properties under their names and still want loans, are what Liu Weijun wants most.

"How much can I borrow?" Xiao Guofeng asked.

He was also worried about this. He didn't buy those two houses just to live in them. He must have demolished them and rebuilt them.

If the bank could give him a loan, then he could build the house earlier. By then, he would be able to open a supermarket as well as a branch of the dessert shop.

"40." Liu Weijun said.

"Okay." Xiao Guofeng agreed almost the second after Liu Weijun said the number.

This was 40 yuan, which was almost the same amount he spent to buy the two courtyard houses. If he hesitated for even a tenth of a second, it would be a sign of disrespect for the 40 yuan.

"You agreed?" Liu Weijun was surprised. He thought Xiao Guofeng would not agree. After all, the price of his two courtyard houses, the one in Shichahai, was estimated to be 32 yuan, and the one near Wangfujing was estimated to be worth about [-] yuan. Wan, he didn't want to order more.

Guofeng, this is too little.

At this moment, Xiao Guofeng felt his foot under the table being stepped on.

The one who would step on him at this time was definitely not Liu Weijun who asked him for a loan.

That left Lao Ge. Xiao Guofeng immediately looked at Lao Ge and immediately received Lao Ge's eyes, which was obviously telling him that you are missing.

Lao Ge, and Lao Liu, Lao Ge must be closer to me.

Xiao Guofeng immediately followed Lao Ge's idea.

"Of course, who would complain that the money is too little? I think so, my two courtyard houses are worth 50 yuan anyway, 40 yuan is still too little."

Xiao Guofeng was not polite. He didn't know if he would remember Lao Liu vomiting blood if he set this price.

But everything is non-negotiable. You can set a high price first, and then talk about it if it doesn't work.

"50?" Old Liu hesitated for a moment. Xiao Guofeng's two houses together were not worth 50. What if he couldn't afford it?

"What? Do Liu Xing think I'm not good enough?" Xiao Guofeng had noticed his hesitation and immediately reassured him, "Brother Ge, show him our account book."

"Hey, Guofeng, who would carry that account book with them all day long?"

Lao Ge was also in trouble.He didn't expect Xiao Guofeng to act like this.

Although he also knew that Lao Liu should be allowed to see their strength, but who would look at the account books until it was time to check the accounts.

"Liu Xing, I have rented a lot of land over the canal to grow crops for purchase. I also have a dessert shop with a daily turnover of 500 yuan. By the end of the year, I will be able to pay back the money as soon as I settle the account. "

Of course Xiao Guofeng knew that if he showed Lao Liu the account book now, he would never get it.

He also just wanted Lao Liu to know that he, Xiao Guofeng, was not someone who could not afford to repay the loan.

He has the ability to repay.

"Okay, I will approve 50 yuan for you. Come on, let's sign the contract now." Lao Liu didn't want Xiao Guofeng to run away, so he immediately took out the contract from his briefcase.

Xiao Guofeng was convinced by this speed. As long as Lao Liu dared to take it out, he would dare to sign it.

He got the money, but he was still afraid.