In Hong Kong, we build a global business empire

Chapter 40: Alexander, Debt of Million
"My dear nephew, you are such a rare guest. You come to visit again so soon. What's the matter this time?" He Shanheng asked gently in the tone of an elder.

Lin Haoran sat calmly on the chair and responded with a smile: "Uncle He, the purpose of my visit this time is the same as last time, I want to ask you for a loan."

He Shanheng raised his eyebrows when he heard this, and said half-jokingly and half-seriously: "Oh? Don't tell me that you are going to use stocks as collateral again this time?"

Hearing this, Lin Haoran laughed and said, "Uncle He, you are really as good as a god! That's right, I do plan to use stocks as collateral for mortgage loans this time."

After saying that, he directly took out the stock certificates of 250 million shares of Qingzhou Yingni from his handbag and handed them to He Shanheng.

"Uncle He, I want to use these stocks as collateral to borrow another HK$15 million from Hang Seng Bank. What do you think, Uncle He?" Lin Haoran continued.

Although 250 million shares are not worth HK$ million at the current share price, it is not much different. With the background of Lin Haoran, he can still borrow the difference.

He Shanheng took the stock certificate, his eyes wandered across the papers, and his brows gradually furrowed.

He put down the voucher and said to Lin Haoran earnestly, "My dear nephew, considering our long-term friendship with your father, I am willing to consider lending you HK$15 million with these stocks as collateral. But as an elder, I have the responsibility to remind you that the stock market is volatile and risks are everywhere, so you need to be cautious when investing.

I guess you used the previous loan to continue to buy Qingzhou Yingni's stocks, which is why you got these stocks. This kind of serial investment is even more risky. Although Qingzhou Yingni's stock has certain potential, the market attention is not high at present. It is not easy to expect it to rise sharply in the short term. Once the repayment period is reached, you have to sell these stocks to raise funds. The concentrated entry of a large number of stocks into the market is very likely to cause violent fluctuations in stock prices, or even lead to a collapse.

Therefore, Uncle He sincerely hopes that you can think calmly and not act impulsively. Investment is not a joke, and every step needs to be carefully considered. I hope you can carefully consider this decision and avoid unnecessary losses. "

He Shanheng has known Lin Wanan, Lin's father, for many years and they have a deep friendship. As for Lin Haoran, a junior, he naturally cannot stand idly by and watch him go to possible extremes.

Although he had thousands of words to dissuade him, he remembered his last promise to Lin Haoran - not to tell Lin Wanan about the loan. He could only suppress the impulse and did not call Lin Wanan immediately.

"Thank you Uncle He for your concern, but I naturally have my own considerations and plans. No matter what, Hang Seng Bank will not lose money, right?" Lin Haoran said with a smile.

He Shanheng sighed, his eyes full of mixed emotions, and said to Lin Haoran: "My dear nephew, Uncle He understands that you have your own ideas and plans, but I also want to remind you that you need to be cautious in every decision. I am not questioning your ability, but I hope you can fully assess the risks and ensure that everything is under control."

"Uncle He, please rest assured that the HK$15 million loan I applied for this time will not fall into the vicious circle of revolving loans next time. I know the importance of credit and responsibility, and I understand your concerns.

In fact, even if Hang Seng Bank does not approve this loan, there are still other financial institutions in the market willing to support me. But considering the deep friendship between our two families and the professionalism and stability of Hang Seng Bank, I still hope to get this money from you. "Lin Haoran explained sincerely.

Hearing this, He Shanheng nodded slightly, and the expression on his face relaxed a lot.

So he sighed and said, "My dear nephew, since you have said this, I will not say anything more. I have already advised you, and the final investment decision still depends on you. Remember, whether it is profit or loss, it is part of your life, and you must learn to draw lessons from it. I have approved this loan to you, and I hope you can make good use of it and achieve your goals."

"Uncle He, thank you very much for your trust and support. This cooperation is still pleasant, just like last time. I hope you can continue to keep this secret and don't tell my father, please." Lin Haoran said sincerely. He Shanheng nodded and said, "My dear nephew, don't worry. Since I promised you before, I will definitely keep my promise. I will keep your father's secret for you. However, you must also remember that no matter what decision you make, you must think carefully and make sure that every step you take is steady."

Compared with the last time, this process was faster and more efficient.

Since all conditions complied with the previous loan agreement, as the chairman of Hang Seng Bank, Ho Sin Hang had the authority to accelerate approval, so the HK$15 million loan was quickly advanced.

The two parties quickly signed the contract, and then He Shanheng directly instructed the financial department to transfer the funds to Lin Haoran's account. All the procedures were simple and clear.

After successfully resolving the loan issue, Lin Haoran felt relieved. He expressed his sincere gratitude to Ho Sin Hang, and then left the Hang Seng Bank headquarters with a relaxed mood, ready to devote himself to the next plan.

With the arrival of HK$15 million, Lin Haoran's available funds quickly increased to more than HK$31 million, which undoubtedly injected strong momentum into his investment plan.

However, this gain also comes with a heavy price - his current total debt has climbed to HK$95 million. If interest is included, the debt would be over HK$100 million.

Faced with a huge debt of up to 100 million Hong Kong dollars, Lin Haoran indeed felt unprecedented pressure in his heart, as if a heavy mountain was pressing on his shoulders.

However, he was not defeated by the pressure, but instead drew motivation from it to move forward.

Because all of this is part of his carefully planned blueprint and is a challenge he must endure in order to achieve his greater goals.

If this matter were to be leaked to the outside, some people would inevitably regard Lin Haoran as a crazy gambler.

After all, he started with the Huafeng Cement Factory, which had a market value of only more than 10 million Hong Kong dollars, and through mortgage loans, he accumulated nearly 100 million debts in just over a month.

Such an action is undoubtedly extremely risky, or even crazy, in the eyes of many people.

After leaving the Hang Seng Bank headquarters, Lin Haoran did not choose to return directly to the company, but drove to a nearby branch of Huifeng Bank.

The purpose of his trip was to exchange the five million Huifeng Bank checks funded by his second and third sisters, and then deposit the entire amount into the bank account associated with the stocks.

At Huifeng Bank, Lin Haoran was warmly received by senior managers.

The entire exchange and deposit process went extremely smoothly, thanks to the professionalism and efficiency of the senior manager, who successfully completed all the formalities in just half an hour.

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(End of this chapter)