Rogues still need to use more rogue means to deal with them. Through this matter, Chen Zhi immediately understood this.

Although Mu Qingyan is so smart and arrogant, she really gives her some unconventional means, so she will just fall down.

Humph, I'm still young~!

Chen Zhi hummed a little song while taking a comfortable bath.

It’s really nice to take a bath after working hard for a day.

The apartment is really considerate. When the decoration was done, I knew to create a big bathtub, so it was fine for both of them to lie down.

After taking a bath, he came to bed. After he finished his work on the questions, he fell asleep deeply. He was woken up by the alarm clock at about nine o'clock the next day.

Today is Saturday. It is logical that many banks do not work, but there are still some outlets that work normally.

After Chen Zhi got up, he quickly washed and ate, brought his ID card, real estate certificate and other information to the bank.

There is a CCB near the apartment, and he happened to be at work today, so he walked in directly.

There are still quite a lot of people doing business on weekends. Thinking of taking out a large loan, Chen Zhi directly found the lobby manager and inquired about the loan.

When he learned that Chen Zhi wanted to use real estate mortgage to make a loan, the lobby manager became much more enthusiastic and began to understand the situation on Chen Zhi's side.

When he knew that he had five houses, and had no loans, and had only been repaired for a few years, the other party directly invited him into the VIP client room, soaked coffee and started the interview.

However, when he thought he had five particularly valuable commercial housing units and it should be very easy to borrow money, the situation he got was a little speechless.

Loans are not something you can borrow as long as you want, and it is not something you can decide how much you can borrow. There are many factors in it, and the procedures are also quite troublesome.

Now the bank stipulates that there is a special process for using real estate loans, such as first evaluating the property and obtaining the overall actual price of the property.

It is also necessary to investigate the property rights of the property, whether there are other mortgages, whether they are in renovation and other planning, which may take a little longer.

"Mr. Chen, based on the current second-hand housing prices in Mingyue Community, the total price of the five houses you own is about 11 million to 12 million. Of course, the specific evaluation price requires a professional evaluation company and can only be known after estimating it.

Then according to our bank's loan regulations, if the housing age in Mingyue Community is more than five years, then you can only make a loan at 50% of the assessed value. Therefore, if there is no problem with other conditions here, you can borrow more than 5 million yuan."

After some understanding and calculation, the bank's loan manager said directly.

It was only more than five million, and this amount immediately made Chen Zhi a little dissatisfied, and the gap with him was too big.

"Five million is too little." Chen Zhi shook his head, "Also, the loan period is a bit long, and it takes more than a month to get off at the shortest time. At that time, the daylily was cold."

Hearing this, the other party said directly: "Mr. Chen, because your loan amount is a bit large. Besides, the bank stipulates that we all lend money according to the normal process, so there must be so much time."

"Okay, then I'll consider it first."

Since CCB is not good, then Chen Zhi has considered other banks. There is no risk anyway, so the more you borrow, the better.

"Ah, Mr. Chen, this is my business card." Seeing that Chen Zhi was leaving, the loan manager handed over the business card directly and turned on his phone, "Let's add WeChat. If you have any questions, you can ask me directly. I'll be online at any time."

"Okay." Chen Zhi nodded.

Then, he came to China Merchants Bank and Agricultural Bank of China, and the results he got were not so satisfactory.

Like China Construction Bank, the Agricultural Bank can only borrow more than 5 million yuan, while China Merchants Bank has more than 6 million yuan, but it will take a month to get the loan.

After a busy morning, he didn't even get a deal, which made him a little anxious. Could it be that he could only borrow five or six million yuan?

After finding a place at noon and having some noodles, he began to think about it again and went to a bank for consultation.

Turning around the street, he saw a Jincheng Bank opposite him, and he immediately remembered that it seemed that these small banks could borrow more.

Although the interest rate is higher, is he still afraid of having more than 100,000 yuan more interest? Anyway, he only has a loan of three months.

After a while, he sat in the VIP room of Jincheng Bank, opposite their loan manager, Manager Yu.

"Mr. Chen, your loan collateral is very high-quality. We can directly give you 80% of the loan amount according to the appraisal price. As for the time, we can approve it within one month. What do you think?"

If 80% of them are, there will be eight or nine million, which will meet his expectations, but the loan has been a bit long.

According to the information of winning prizes in the system lottery, Ruichen Holdings' stock continued to fall in July, but it was slowly rising in the early days of August.

So for him, it is best to complete the layout before August, so that he can buy at the lowest point of the stock price and achieve the maximum profit.

In addition, he even speculated that in the early days of August, someone had actually obtained the news that Ruichen Holdings was about to be favorable, and he was secretly planning.

If he joins rashly, it may cause misunderstandings and may even cause unnecessary trouble.

After all, in some movies with stock wars, it also means that if he attracts the attention of the dealer, he will be in trouble.

Of course, his principal is less than 10 million, and in Ruichen Holdings' large pool of more than 2 billion yuan, it can only be considered a small wave.

Thinking of this, he asked directly: "Can I get there within half a month? I have urgent needs."

Hearing this, Manager Yu asked directly: "I wonder what investment Mr. Chen is planning to make for so many loans?"

Of course, Chen Zhi didn't dare to say that he was using it for stock trading, so the bank might carefully consider whether to make a loan.

"I want to go to the new district to buy some real estate projects as an investment."

After thinking about it, he directly told the reason he had thought of before, "The Nanshanyue property is about to be opened, and this is the most popular property in the new district."

Hearing this, Manager Yu immediately knew that he didn't think much and nodded directly: "There is still room for house prices in the new district to rise. It is also a wise choice for Mr. Chen to invest there."

"So, can the loan be downloaded within two weeks?" Chen Zhi asked again.

Manager Yu thought about it for a while and said unsure: "I will react to this to the top, there should be a high chance."

"Okay, as long as you can get off as soon as possible, you can even borrow less."

Chen Zhi thought about it and said that time is the key to loans. After all, even if you can borrow 12 million yuan in full, it will take a month to get the money, so you will earn very little.

"Okay, then I'll be here as soon as possible." After receiving such a big order, Manager Yu immediately said happily, "As for the company that evaluates the total price, I also have recommendations here. What do you mean by this?"

"You are professional in these processes, so I will leave them all to you. I will only provide any information I need. Anyway, my request is one, that is, the loan should be completed as soon as possible, the earlier the time, the better." Chen Zhi said at the end.

Then, throughout the afternoon, Chen Zhi, accompanied by the other party, handled some loan procedures.

When he walked out of the bank, it was already five o'clock in the afternoon and it was time for supper again.

However, he was able to get a loan and was busy for a day, but he was not tired at all.

The total loan amount is 8.5 million, and the annual interest is 15.8. However, he only has a loan of three months, so the total interest is 335,750 yuan.

This interest is just a drizzle for the tens of millions of profits to be obtained.

Back at Huanyu Shopping Mall, I went to Shu Banquet for a big meal again, but unfortunately I didn’t meet Xia Ning again.

After eating and drinking, on the way back, he called Fan Lei and made an appointment to meet at his previous rental house tomorrow morning.
Chapter completed!