Blackstone Code

"The total is... 3.24 million!"

In Joe Griman's office, he looked at the statistical book in his hands in amazement, and couldn't help but let out an exclamation tone.

When Lynch told him that there were several million collaterals, Joe Griman thought this was probably an exaggeration, which is very common in the financial field.

All kinds of cashing in installments, discounted cashing, and discounted cashing make people never have much confidence in the numbers that others say. Unexpectedly, Lynch gave him a surprise.

He put down the statistics sheet and adjusted his sitting posture slightly, "It's an astonishing number, but you should know that I can't lend you the loan according to the estimated value. It can only be 50% at most, no more!"

He flicked the statistics sheet with his hand again, and the expression on his face showed some regret, "These are not high-quality resources, and the risk of the bank is still very high, so..." He shrugged and looked at Lynch again .

The bank has its own professional appraisers. When they counted these things, they found that there were no valuables that were in short supply and could be sold immediately, such as precious metals, such as gold, or some things that were easy to convert into jewelry.

On the contrary, there are some... things that are not easy to get rid of, such as some daily necessities and some appliances, most of which are houses and cars.

Sabine City is not a big city, nor is it the capital of a state, nor is it the center of the Federation. The preservation rate of houses here is not very safe, and most of the houses mortgaged in these agreements are houses in ordinary communities. There are no middle-class communities and Uptown houses.

The valuable real estate in small cities basically refers to those houses in middle-class communities and top-class upper-class communities. They have the best location, the most beautiful scenery, and the most complete supporting services.

Such a house can be sold easily, as long as it is lower than the market price, 10% to 15%, it can be said to be sold immediately.

But this is not the case for houses in civilian communities. Real estate development in civilian and slum areas, especially residential development, is a thankless task. The slow sales cycle can easily drag down real estate developers.

In addition, some people like to mess around, and those poor people like to break into and live in houses that are not sold, and they often cause some troubles.

The local laws of some federal states have stipulated that after living in other people's houses for a certain number of years, they can naturally acquire the property rights of the house, which also makes many people more keen to find houses that have not been sold to live in, or to find houses that have been sold. Live in the vacant houses that have been relocated.

The chaotic environment of civilian areas and slums, and all kinds of creepy street culture are the reasons that restrict the rise of these housing prices. This is not to say that they are worthless, but that it is difficult to realize their actual value.

The same goes for cars, there are no luxury car brands, most of them are ordinary car brands, and there are still some years of age, and some appraisers believe that they may be stolen cars that have given up on pursuing responsibility.

The road to realizing these things is full of twists and turns. It is hard to say whether it will be possible to save capital if it is really dropped in the hands.

If Lynch really wants to exchange these things for a sum of money, it is only this transaction, and Joe Griman will be more cautious, even refusing to do business with Lynch. Unwilling to take risks.

But he has already understood Lynch's thoughts, the money he gave to Lynch, Lynch will use it to Gatenau Finance Company to achieve continuous rotation.

At that time, more similar agreements will be mortgaged to the bank, and an astonishing number will eventually roll out, so he doesn't mind such a business.

Joe Griman thought for a while, "I'll give you 1.6 million at most!" He felt that this price was quite safe, and Lynch didn't have any objection, 1.6 million, he could get 16 10,000 service fees, and almost one to two times the expected benefit income.

This transaction alone brought Lynch an income of no less than 250,000 yuan, which was much faster than changing change, and at the same time, he didn't need to pay the bank even a penny of interest.

This part of the interest is paid by Gatenau by entrusting Dyson Asset Management with full management of these assets and paying a "management fee" for this.

In other words, Dyson Asset Management completely cut off the relationship between Gatenow Finance Company and Jinhui Bank during the whole process, which is the basis for the cooperation between the two parties.

Lynch agreed without fighting for more shares, which made Joe Griman more fond of him, and he also had a lot of smiles on his face, "Do you want a check, a cashier's order, a money order, or an account transfer?"

So far, the checks of the six major federal banks have limited limits, and it is impossible to issue million-level cash checks at all, and even transfer checks cannot be issued. Checks are too easy to forge, and for some technical reasons, it is difficult to achieve.

What Joe Griman meant was actually petty cash checks, but apparently Lynch had a different view.

"I want cash!" Joe Griman was stunned as soon as he said that. It's not that the bank can't get the cash out, it's just that a series of procedures are required for a large amount of cash to come out of the closet, which is a bit troublesome, and the police may have to There are two people from the bureau to cooperate.

Looking at Joe Griman's expression, Lynch frowned slightly, then stretched it out at random, and asked as if he didn't care, "Can't you?"

Joe Griman thought for a while, and finally nodded, "It's not impossible, it's just very troublesome. There are many processes in it. I have to make documents first and then send them to the branch and headquarters, and there are some other judicial procedures. , it will take at least four to five days."

"I can wait!" Facing these difficulties, Lynch didn't flinch in the slightest. The two looked at each other for two to three seconds. Joe Griman nodded, expressing that he would complete the deal as soon as possible.

Lynch stood up in a timely manner, "Then..."

Joe Griman also stood up and stretched out his hand across the desk, "Have a nice cooperation!"

After sending Lynch away, Joe Griman shook his head with a smile. He knew why Lynch wanted cash, and his attitude was so tough.

Issuing a certificate of millions of cash is enough for Lynch and the others to confuse more cash. To put it simply, the bank issued a certificate proving that Lynch took 1.6 million cash from the bank, then in the following At work, as long as the amount of cash he withdraws at one time does not exceed 1.6 million, it can be said to be legal, as long as he is smart enough.

In other words, Lynch can mix more, one million, two million or even more money into this certificate, and wash it thoroughly. He is really a smart person!

Joe Griman was in high spirits after signing this deal and a series of follow-up cooperation. In the evening, three of his subordinates invited him out to celebrate. They probably could get a lot of commission from this deal. They There is a reason to indulge.

This is the daily routine of working with money, making money, making a lot of money, and then complete indulgence, and the cycle continues.

Joe Griman declined their invitation. As the manager of the credit department, he is not suitable to appear with them at this time, and he needs to avoid it.

When I drove back home, I parked the car, and subconsciously looked at the mailbox when passing by the yard. People like him would receive letters from all over the country every day, some from colleagues, some from self-recommendation letters from major foundations, and others from all over the country. Subscription or free financial services from various financial institutions.

In the evening, after dinner, spending time with his wife and children, and watching TV for a while, he went back to his study alone and began to deal with the letters.

To his surprise, the first letter had no postmark, nothing on the envelope, no sender, no receiver, not even a single word.

He was a little confused and cut the letter with a letter knife. The room at night was never as bright as it was during the day, and his dilated pupils shrank rapidly when they saw the contents of the envelope.

A check, a check for 30,000 yuan, and the check smelled like ink!

Although there was nothing on the envelope, he knew where the check came from.