The Richest Man Starts From Falling In Love

"Boss Han?"

Chu Yao's eyes lit up slightly, and he smiled.

I didn't expect to see Han Feng here.

Chu Yao quickly thought of a possibility.

Han Feng is an executive of Donghai Bank. A company as big as Qiongdao Aviation Group must have inextricable connections with various banks.

It's just that it still doesn't make sense.

Han Feng belongs to the Pengcheng sub-branch, even if he has a business connection, it's not his turn to come over, right?

The people in the local branch are dead?

"Talk for a while?"

Han Feng took the initiative to smile and said, making an invitation gesture.

Chu Yao nodded immediately, followed him to find a fairly secluded table, and Jiang Lingyun poured tea for the two of them tactfully.

"Why is Boss Han here?"

Chu Yao asked with a smile.

Han Feng sighed slightly, adjusted his glasses, looking a little helpless.

"The general at the headquarters is temporarily ordered, and I also came here at noon."

He lowered his voice a little, and continued: "There is something wrong with the local leader, and he has been investigated. I'm a temporary imperial envoy, and I'm here to clean up the mess."

Hearing this, Chu Yao suddenly understood.

After thinking for a while, he asked with a smile, "Does Donghai Bank have a business relationship with Qionghang?"

Mentioning this, Han Feng's expression became even more bitter.

"Or say that my life is miserable?"

"We are one of the creditors. Before we gave a credit line of 5 billion yuan, 3.5 billion was used there, and 1.7 billion was repaid. The combined principal and interest left nearly 2 billion yuan, and the default has been almost half a year. .”

"There is a collateral, it is a commercial office building, and the location is still in Pengcheng. However, the relationship here was strong before, and the face was great. It has not gone through formal channels. Now that it is reorganized, it has to go through formal procedures to unfreeze."

"I'm going to clean up this mess now, but how to clean this ass, to be honest, I'm so worried."

He was honest.

Because not only did he have a financial and business relationship with Chu Yao, but he also had a personal relationship with Jiang Zhenhua.

Of course, there are other considerations.

The mess here needs to find a taker.

What's the use of a bank asking for a building?

In the end, you still have to realize it and return the funds.

If you want to withdraw funds, you need to find someone to take over.

Who will take over?

Naturally, whoever has the money will take over.

Nearly two billion disks, who can handle the average person?

Who is rich?

Chu Yao... is quite rich.

Maybe not as much as two billion, but the funds are leveraged.

Chu Yao has at least 100 million principal.

With a principal of 100 million, if you are courageous and operate well, it is not difficult to leverage five to ten times.

It's not necessarily sure that Chu Yao will be interested in this, but it's not a bad thing to give it a try.

What if there is a play?

to be honest.

At this moment, Chu Yao really didn't see that Han Feng had thought so much.

The main reason is information asymmetry. He knows much more than himself.

Chu Yao's attention at the moment was somewhat attracted by this commercial office building.

Real estate is undoubtedly a high-quality asset.

Especially office buildings.

As long as the location is good and the operation is good, it is better to make money lying down than collecting rent.

"What kind of building is it?"

Chu Yao asked nonchalantly.

Han Feng glanced at him with a smile.

"Chat somewhere else?"

"become."

Chu Yao got up immediately.

...

half an hour later.

Hotel bathroom.

In the separate hot tub, the two met frankly.

The mist is curling and steaming, very relaxing.

"The Rui Suisse Building used to be Qionghang's land, which was acquired very early, and the land price is extremely low.

Later it was developed into an office building with the 27th floor. It has not been sold, but only rented. The annual rental income is about 50 million. "

"The estimated value is around 2 billion. They own 100% of the property rights and operate as an independent subsidiary."

"In fact, this is a high-quality asset. It was easy to realize it in the past few years. But now, banks are locked up and big real estate companies are reducing their debts. It's really hard to find someone to take over for a while."

Han Feng looked into Chu Yao's eyes and said in a deep voice.

"So what are you planning to do now?"

Chu Yao asked.

Haven't disclosed your needs yet.

Han Feng drank his saliva and continued:

"The requirement of the headquarters is to realize the cash quickly and get the funds back as soon as possible. Although this building is worth two billion, but one billion, or even seven or eight billion, can be leveraged."

"Half of the down payment, or even 40%, and the remaining part, we will issue a loan in the form of a mortgage loan, and then repay the principal and interest on schedule."

"In this way, the bad debts will be eliminated, and it will have nothing to do with Qiong Hang, and the assets will be revitalized."

"I have not only withdrawn funds, but also issued loans, which is still a performance."

Chu Yao: ...

Still have this kind of operation?

Gain knowledge.

Really knowledgeable.

The bank lends money to a third party to buy a building that belongs to the bank?

It sounds a little unreasonable.

But this is capital operation.

And it's very common.

Capital is not afraid of not enough, if not enough, there is still leverage.

The most feared thing is getting stuck, stuck, and the capital chain collapses.

As long as it can flow, it is a good game of chess.

Seeing that Chu Yao was silent, he was probably weighing and thinking, Han Feng didn't urge him, stretched his limbs, soaked in hot water, and let out a comfortable groan.

It didn't take long.

He waited for Chu Yao's reply.

"Brother Han, play this round with me?"

Chu Yao spoke very politely.

And Han Feng sat up straight at once, and waved his hands with a smile: "I don't dare to say that, if you want to come, it's because you are helping me, of course I can't ask for it."

Chu Yao also smiled.

I decided to vote for this project, mainly based on four considerations.

First, I currently have money on hand, more than 700 million. Although it is close, it is just right to leverage this 2 billion building.

Whether it's a bank loan or brushing money, it's fine.

Second, Hanfeng is at least partially trustworthy.

With Jiang Zhenhua's relationship, he was much better than a stranger.

If I can really make this deal, my relationship with Donghai Bank will definitely be closer in the future, and even deeply bound.

Third, Pengcheng is at least a first-tier city, and real estate is still quite valuable.

Moreover, real estate investment is simple and not that complicated, which is just right for me at this stage.

Fourth, office buildings, rather than residential buildings, can be used in a wide range in the future.

Whether it is used as an office area after setting up a company, or as an incubator to accommodate other companies, it is a good choice.

"Brother Chu, how much money can you spend?"

After confirming the look in his eyes, he was someone who could cooperate, so Han Feng asked directly.

If Chu Yao doesn't have enough money, he can bring in a few more people.

Anyway, now is to find out and negotiate with each other.

There is a possibility of cooperation failure.

"I'll find a friend to get together and give one billion."

"The rest, take your mortgage."

Chu Yao "made friends out of nothing", said in a deep voice.

In fact, if you really want to brush two billion, you can do it yourself.

However, a loan is more appropriate.

Interest doesn't matter.

Mainly... I like being a father.

You owe the bank 10,000 yuan, and the bank is your father.

You owe the bank 100 million, you are the father of the bank.

Crash!

There was a splash of water.

Hearing that Chu Yao had won one billion by himself, Han Feng immediately slapped the water with his hands and stood up abruptly.

...

...