"Although these stores are relatively small, they are all located in high-quality areas with dense traffic, making them very good collateral."

Song Zhou took out the information that Qin Lin had submitted through Dad Lu a long time ago from the briefcase he carried with him, looked through it symbolically, and nodded affirmatively.

"After evaluation by our bank professionals, based on the current market price and the future development of the housing market, Mr. Qin, the five stores you have, with a total area of ​​about 80 square meters, the current market price is almost 2,000 yuan per square meter."

"But you know, we can only calculate it based on an average valuation of 1,800 yuan per square meter, so we can probably give these five stores a loan amount of 120,000 to 150,000 yuan."

"Huh, it's okay."

Qin Lin breathed a sigh of relief in his heart. The price of the house was more valuable than he imagined.

But yes, less than a month after I bought it, the house prices have increased by an average of 5%, which is simply a money grab.

Although housing prices are supposed to start to explode every summer, it doesn’t happen that way.

It was too fast, so fast that ordinary people could not react.

On the other hand, those who are interested, instead of showing any signs of opposition, are secretly continuing to add fuel to the flames, trying to get a piece of the pie.

In response, Qin Lin could only shake his head helplessly.

The general trend of history cannot be stopped by a little ant like Qin Lin, even if he is a reborn person.

However, in the first ten years of the new century, housing prices in Haitian City were relatively good. Especially in small counties, they only increased two or three times in ten years. Compared with the ten-fold increase in the large cities in Beijing, Guangzhou and Shenzhen, it was simply

It can be called a conscience.

However, in the years before Qin Lin was reborn, the small city was cut off twice in succession, and housing prices soared, doubling in a year. It was simply crazy, and that person was worthy of being called a powerful person.

"Twelve to 150,000?"

Qin Lin smacked his lips, and then asked in confusion, "Why is there still a loan range?"

"If I want to get the maximum standard limit, what preparations do I need to make according to your bank's regulations, or what conditions need to be met?"

Song Zhou smiled slightly and said thoughtfully, "This is also simple. Provide your proof of fixed income and current flow, and let the bank ensure that you have enough ability to repay the loan."

Saying that, as if he was worried that Qin Lin would have any objections, Song Zhou added, "Mr. Qin, there is no problem with your personal information at all, but because you are only eighteen years old and have just met the standards for personal credit, when the bank processes it,

More cautious."

"But I took out the loan in the name of the company, and the legal representative is not me."

Qin Lin glanced at Song Zhou somewhat depressedly. Although he had provided the loan, it had nothing to do with him either in name or in reality.

"Why should I consider my personal situation?"

"But when you submitted the information, the guarantor used your name."

While Song Zhou looked at Qin Lin, he calmly made up his mind and said carefully, "Although there is no problem with the principle, you also know that our bank has had too many bad debts in recent years. If not

With state support, a large number of local banks may go bankrupt in the next few years. The general environment is like this, so we have to be cautious."

"In the current credit market, we are actually not willing to accept mortgage targets such as real estate. Even if we accept it, the price will be suppressed relatively low."

Song Zhou carefully observed Qin Lin's expression and found that he didn't have any strange expressions. He claimed credit for himself without any trace, "Of course, Mr. Qin was introduced by Mr. Lu, so we will naturally consider this factor.

, try to help as much as possible without violating the principles.”

"That's why I overcame all opinions and offered a price of 120,000 to 150,000 yuan, which is far higher than that of my peers."

Qin Lin let out a sigh in his heart, what does it mean to not violate the principle? Isn't the principle of you group of vulnerable groups that when you are strong, you will be weak, and when you are weak, you will be strong?

It doesn't matter, something worth 100,000 yuan can be mortgaged for one million yuan, and it's even fine if you just leave it empty handed. It doesn't matter, if you have something worth one million yuan, you may not be able to loan out even 500,000 yuan, and you have to be loaned out by various parties.

A kind of delay and making things difficult.

Are you so embarrassed to tell me your principles?

Qin Lin felt very contemptuous in his heart and quietly rolled his eyes.

Aren't the principles of banks just a fig leaf for brothel practitioners, which can be easily torn off by those with money or power?

"Haha, then I really have to thank you very much, Mr. Song. Thank you so much. You have helped our small business a lot."

Although Qin Lin despised him in his heart, his face showed a grateful expression.

He held Song Zhou's hand and shook it repeatedly. It felt as if he was about to cut off a chicken's head and stick it with yellow paper to worship the handle. It felt like there was more calcium in it, and more calcium in it.

Ugh, man.

"Oh, by the way, what does Mr. Qin's family do? It's amazing that he can create such a career at such a young age."

Songzhou App Download Address

"Oh, I come from an ordinary working-class family."

When Qin Lin heard this, he smiled faintly, neither admitting nor denying it, and just told the truth so openly.

But obviously Song Zhou didn't think so, "Sure enough, the background of this master's family is not simple."

The more calm Qin Lin behaves, the higher his evaluation of Qin Lin is in his heart. These days, ordinary working-class families can be working class, but equally, they can also be government departments!

There is also a famous ordinary family member in later generations, but I wonder if Qin Lin will accidentally take this title away from him if he becomes famous in the future.

This is not because Qin deliberately used the flag as a tiger skin.

It's just that he also knows that sometimes, a mysterious background can really help people solve too many unnecessary troubles, so he has no choice but to pretend.

If it were Qin Lin in his lifetime, he would probably still feel a little ashamed and not know how to speak. But after experiencing rebirth, Qin Lin found that his shame and self-confidence had grown in almost the same proportion.

The stronger your self-confidence is, the thicker your skin will be.

So now he can dig holes for Songzhou without blushing or feeling ashamed at all.

"Haha, Mr. Qin is joking. When I was your age, I had just graduated from high school and didn't know what it was like to make money. But Mr. Qin could already generate hundreds of thousands of dollars in business, which is much better than what I did back then.

Ten times stronger."

Song Zhou laughed loudly, but he felt a little "understood" in his heart. It was obvious that Qin Lin didn't want to talk about his family, and he seemed to be in a hurry.

"Based on the information provided so far, we should have preferred the loan amount at the lower end of the range, but who told me and Mr. Qin to hit it off at first sight?"

Songzhou made up his mind to sell Qin Lin a good deal, since the money was not his own anyway.

"In this case, I have made the decision," Song Zhou said with a gritted teeth expression, "I will give you a one-time loan of 150,000 yuan according to the loan limit."

"real?"

Qin Lin's eyes lit up. Although this man named Song Zhou had been pretending, after all, the money bag was in his hands and he couldn't be forced.

If you make someone unhappy and they refuse to give you a loan or you are stuck for two months, wouldn’t that make you cry to death?

So although he was a little unhappy at Song Zhou's manipulation, Qin Lin still looked flattered and very grateful.

"Thank you so much. With a leader like you in the bank, we will definitely be able to surpass those big banks in the future, and maybe even become the fifth largest bank."

"Where is it? Don't dare to talk nonsense."

Let a small rural commercial bank become the fifth largest bank alongside the four major banks?

What a joke, unless their bank can unify all the rural commercial banks across the country, and it is still the kind that directs them, there may be a one in ten thousand chance of success.

Nowadays, who doesn’t know that local rural commercial banks are cash machines for relevant departments and relevant people? It’s a dream to even dream of being ranked alongside the four major banks despite the existence of such a thing!

However, even though Songzhou knew clearly that Qin Lin was flattering, and that flattering was extremely unreliable, he couldn't help but felt inexplicably happy!

Songzhou, who had completely misunderstood Qin Lin's identity, truly believed that Qin Lin was extraordinary.

Can the flattery that came out of his mouth be the same as the one that came out of his three or two hands in the past?

It's impossible even if you think about it.

To give a simple example, if Trump said to you, "Young hero, I think you have an amazing skeleton and will become a great person in the future. You will be the future King of Wall Street."

Are you a little proud? Even if you know that the person is unreliable, and his words are even less reliable?

If Trump were replaced by a beggar asking you for money, would you still be proud?

The same reason.

"I just hope that our bank's bad debt rate can be reduced and the number of people depositing and lending can be increased. I don't dare to expect too much. If we can achieve the first place in the region in terms of market share, we will be able to burn high."

After being photographed by Qin Lin, Songzhou was also a little confused, bragging without shame, and feeling a bit like pointing out the country.

Qin Lin despises you from the bottom of his heart. He said you are fat and you are really out of breath.

No. 1 in regional share?

I don’t dare to say that now whether Ai, the largest bank in the world, exists or not. What qualifications does a small regional rural commercial bank like you have to be the boss?

Qin Lin flattered him because of his own interests, which is understandable.

But you, a bank employee or a management person, start to get carried away after being praised a little, and you don’t know what your last name is.

Tsk tsk, the level is worrying!

Of course, Qin Lin wouldn't be stupid enough to show his contempt, and still have to rely on others to sign for loans.

"Awesome, courageous, and insightful. It is a great blessing to have Mr. Song in the rural commercial bank. Why worry about not being able to achieve great things in the future?"

Qin Lin continued to take pictures of Song Zhou without blushing, and then asked briefly, "Mr. Song, when do you think we can sign the contract?"

"Oh, this is easy."
To be continued...