Reborn in Hong Kong, my cousin is Crippled Ho

Chapter 114 has good writing, but the author is a bit stingy.

Luo Luo generous.

This was Lin Yuanshan's first impression of the bank employee in front of him.

Lin Yuanshan shook hands with the other person, smiled, and sat down, casually extinguishing the half-smoked cigarette in the ashtray.

Seeing this, Zhou Yongshan's eyes curved slightly: "Mr. Lin, I don't mind if my clients smoke."

"Hey, I'm not a heavy smoker." Lin Yuanshan waved his hand and took the factory certificate that Zhang Chujie took out of his bag: "This is a plastic flower factory under my name, located in the Chang Wah Factory Building in To Kwa Wan, covering an area of ​​2400 square feet."

Fixed assets, valued at HK$35,000.

I'm currently holding HK$30,000 and hope to apply for a HK$12,000 revolving overdraft loan from Hang Seng Bank.

Revolving overdraft loan is a term that has a strong contemporary feel, commonly known in the industry as: overdraft limit, revolving overdraft account.

It means that the bank opens a checking account for the factory.

A maximum loan limit is pre-approved, which is what we now call the credit line.

For example, the HK$12000 that Lin Yuanshan hopes to get approved is the maximum loan amount.

He needed money, so he wrote checks and used them to withdraw cash. His account then showed a negative balance, indicating he was overdrawn.

Once he earns the money from the goods, he deposits it into this account, and the negative balance immediately decreases, essentially an automatic repayment. Moreover, the lost credit limit is restored at the same time, allowing him to make a loan again without having to go back to the bank for loan approval procedures.

Once the account balance is positive, no interest will be charged.

Doesn't it look a lot like a credit card? In fact, it can be seen as the predecessor of the credit card.

Upon hearing Lin Yuanshan's words, Zhou Yongshan smiled and took the documents: "Mr. Lin, I'm sorry, the valuation of fixed assets is not something you can just decide."

Please wait a moment, let me see the relevant information you brought —

As expected of someone from Hang Seng Bank, this girl has seen the world and can't be fooled.

Lin Yuanshan smirked at Zhang Chujie, then reached into his pocket and pulled out a cigarette case.

"Didn't Mr. Lin just say that he wasn't a heavy smoker?" Zhou Yongshan looked at the documents and said softly, "You said that less than half a minute ago."

"Ms. Zhou also said she doesn't mind if the client smokes," Lin Yuanshan replied softly, his attitude was very good, but his actions were resolute.

He tossed a cigarette to Ah Jie first, then bent down and lit one for himself.

Good temperament, unique personality, amazing?

If you approve the loan, I'll pick you up and call you my baby, no problem.

If I refuse later, I'll have wasted my taxi fare!

Zhou Yongshan stopped talking and simply pushed the ashtray on the table in front of Lin Yuanshan.

After that, the only sound in the room was the rustling of Zhou Yongshan flipping through documents.

She looked at it very carefully and asked very detailed questions. When she learned that the machines in the To Kwa Wan factory were all second-hand, she even inquired about their origin.

Zhang Chujie was the secretary, but he joined Lin Yuanshan's team too late.

Despite his efforts to familiarize himself with factory affairs, Ah-Jie was still stumped by Zhou Yong-Shan's questions.

Seeing this, Lin Yuanshan tapped his cigarette ash and took over the conversation: "The old factory is located in the back alley of Tongzhou Street. I think the place is too cramped, and it's not suitable for large businesses."

Therefore, we are now moving to To Kwa Wan.

I haven't had time to complete the relevant procedures for changing the factory address yet —

This factory was built step by step by Lin Yuanshan, and he was very clear about the details inside.

Zhou Yongshan spent a full half hour looking at the documents, and during that time, the questions she asked Lin Yuanshan became increasingly tricky.

Fortunately, Lin Yuanshan answered fluently and countered each question with ease, thus managing to evade several overly sensitive issues without fear.

"OK. I understand the general situation." Zhou Yongshan put away the documents, her big eyes meeting Lin Yuanshan's gaze without fear: "Mr. Lin, let me first tell you about the current situation of your factory."

First, your factory building is leased and you do not have ownership rights, so it cannot be used as collateral for property; it can only be used as evidence of operating income.

Secondly, since your equipment is all second-hand, the valuation needs to be based on depreciated prices. Among them, the blow molding and mixing equipment have very poor liquidity, so additional discounts will be applied.

Third, your timing was unfortunate; you just happened to arrive when our bank tightened its risk control measures.

Your factory's registered address and production address are strictly inconsistent. We have been instructed to change the factory address on your documents to avoid shell companies or illegal production in other locations.

After listing a series of questions, Zhou Yongshan blinked and said, "However, there is also good news. According to your information, your factory has now secured an OEM agreement with Yellow River Plastics."

We will verify this with the Yellow River authorities. If it is true, it will be a bonus.

If you can update the factory address on your documents, you can get a loan of approximately HKD 12500;

If things remain as they are, and there is no guarantor, the maximum I can get approved is HKD 7500, and the interest rate will be 30% higher than that of a normal customer, which is 1% per month and 12% per year.

7

Upon hearing this, Lin Yuanshan frowned slightly and slowly said, "Miss Zhou, I could have chosen a Chaozhou-based bank, but since I've come here, it's because I'm optimistic about Hang Seng Bank's support for Chinese entrepreneurs."

"First of all, on behalf of Hang Seng, I would like to thank Mr. Lin for his trust in Hang Seng."

Secondly, I reviewed your application according to credit regulations, and the materials you provided so far can only yield this result. You originally intended to borrow 12000 yuan, but as I said, with all your documents complete, I can approve 12500 yuan. That's 500 yuan more than you expected.

"Hey!" Zhou Yongshan put down the documents and smiled. "Actually, Mr. Lin can find someone to help with the guarantee. It would be best to find one of our Hang Seng's long-time clients, someone with quality assets under their name—"

"No need! Just keep it, 7500." Lin Yuanshan shook his head decisively, which surprised Zhou Yongshan.

Stopping her words, Zhou Yongshan stood up and took out several forms from the metal filing cabinet behind her: "Okay, after you fill out these forms, we will send a specialist to your factory tomorrow to verify the situation."

I will also be following up on the entire process, and we will strive to complete the entire application, verification, and approval process within 5 business days.

As they were talking, Zhou Yongshan turned the form upside down and placed it flat in front of Lin Yuanshan.

She leaned forward, pointing with a slender white finger to each of the fields that needed to be filled in.

Lin Yuanshan opened his pen and filled in the information according to her instructions. The desk was not large, and Lin Yuanshan could faintly smell the perfume emanating from her.

The fragrance is delicate and not cloying, just like the person.

Lin Yuanshan writes very quickly, his penmanship is vigorous and powerful, with a controlled and neat style, not sloppy at all. Even if Zhou Yongshan reads it upside down, she can still read the content clearly.

The handwriting is good, but he's a bit stingy. Even when facing a woman, he won't back down in the slightest!

Judging a person by their words, Zhou Yongshan managed to salvage a small impression of Lin Yuanshan and secretly remembered this small client.

Yes, for Hang Seng Bank.

Lin Yuanshan was indeed just a small client.

However, if we consider Zhou Yongshan's family background, it's even smaller.

Zhou Yongshan, Justice of the Peace, is the illegitimate daughter of Zhou Xiyu, a member of the Chinese General Chamber of Commerce, Chairman of Po Leung Kuk, and President of the Dongguan Chamber of Commerce.

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