I Am a Nobleman in England

"Boom——"

"Please come in."

"The Earl, financial adviser Robert Long and lawyer James Cronin have arrived."

Arthur put the album and stones in the box, and said to Paul, the housekeeper standing at the door, "Please come in."

"Okay, Earl." Butler Paul responded with a slight nod, then turned and left.

After Arthur installed the picture album and stones, he put the box aside, stood up and walked to the cloakroom mirror, adjusted his clothes a little, straightened the peaked cap on his head, walked to the middle of the study, and waited The arrival of the guests.

Not long after, the door was knocked again.

"Please come in."

The door was pushed open, and the butler Paul was in front of him. He stretched out his hand to follow two middle-aged men in neat suits and meticulously combed hair. Both of them managed their bodies relatively successfully. The pair of glasses is James Cronin, a lawyer Arthur is familiar with, so the other is needless to say, Robert Lang, the asset management consultant of his Boleyn family.

"Good afternoon, My Lord."

"Good afternoon, My Lord."

Arthur also smiled back to the very gentlemanly greetings of the two. To be honest, the British are really hypocritical. On the one hand, they reject and hate the noble class, but when they really meet the nobles, they will maintain the etiquette and respect for the nobles. Respect, and wish they could also become a member of the nobility.

"Please sit down, what would you like to drink? Coffee or black tea?"

Arthur smiled calmly and invited the two to sit down, then asked politely.

"Black tea, thank you."

"I'm black tea too, thank you."

Arthur nodded with a smile, looked at the butler Paul and said with a smile, "Paul, three cups of black tea."

"Okay, please wait a moment, the count and the two of you." The butler Paul said with a smile, and then strode towards the door with his head held high.

"Lord, this is part of the tuition fees returned by the Castle School of Management... a check for fifteen thousand pounds." Lawyer James Cronin took out an envelope from his purse, and handed it to Arthur with both hands, with a pale expression on his face. explained with a smile.

"Hehe, I knew it was the most correct decision to leave it to you to handle this matter, and you really won't disappoint." Arthur took the envelope, with the corners of his mouth raised, and praised with a happy smile.

"Thank you for your compliment, this is what I should do." James Cronin responded with a smile.

Arthur opened the envelope, took out the check inside, glanced at the number, and then put it back in the envelope. This was the first loss he had recovered as an earl, and he was happy.

While the three of them were chatting, the butler Paul walked into the study with a waiter carrying black tea. After pouring the black tea, the waiter left, and the butler Paul stood beside Arthur as usual.

After the three of them drank a few sips of black tea, Arthur put the teacup on the table first, looked at his lawyer and consultant with a smile on his face and said, "I invite you two over this time, mainly because there is one thing I need your help with. .”

Both Robert Lang and James Cronin put down their teacups, looked at each other, and said one after another: "I am willing to serve you at any time."

Arthur smiled and nodded, without going around in circles, he said straight to the point: "I want to use the land of Boleyn Manor to mortgage the bank..."

Although Paul, the housekeeper who had been standing beside Arthur, was prepared in his heart, he still had a helpless expression on his face when he heard Arthur say it himself. He couldn't understand why Arthur insisted on taking this step. It is a huge burden to repay the annual interest of the pound loan with the output value of the manor and the profits of the newspaper and publishing house. If it is not done well, it will go bankrupt, and the risk is too great.

Similarly, Robert Lang, the consultant who knows the financial situation of the Boleyn family, also frowned. Starting from the old Earl Francis,

He has provided services to the Boleyn family for more than 15 years. Although the financial situation of the Boleyn family has some problems due to the inheritance tax issue, as long as the income and expenditure are reduced, and if the economic environment improves, the Boleyn family Your financial situation will be restored to balance, and there is no need to take such a big risk to get a bank loan.

"Lord, in fact, the financial situation of the Boleyn family is still good. It belongs to the good level. There is no need to borrow money from the bank. If you are worried about the debt of the "Southern Daily Echo", I have a solution here. Any losses wipe out the debt."

Arthur didn't show any displeasure at Robert Lang's advice. After all, the other party was also out of good intentions. I have to say that the people his cheap father left for him had very good character and ability, and he also What the other party said could easily wipe out the debt aroused interest.

"Oh? What way?"

"In the past two months, the government has just revised some provisions of the bankruptcy law, making the conditions for bankruptcy more relaxed. It only takes one year for companies or individuals to complete the entire bankruptcy process and discharge debts smoothly.

As long as we let the "Southern Daily Echo" newspaper enter bankruptcy protection, the procedure can be completed within 12 months, and then all debts can be easily wiped out. This method has been implemented by many corporate representatives or individuals from other European countries , is entirely feasible. "

Hearing this, the corners of Arthur's mouth twitched, and he complained in his heart, can the fucking be so shameless? Thinking about it, he turned his attention to the lawyer James beside him.

"It is indeed feasible. Compared with other European countries such as Germany, Austria, France and Iceland, our bankruptcy conditions are extremely loose. Taking Germany and Iceland as examples, due to the imperfect German bankruptcy laws, it is generally necessary for companies or individuals to wait for 6 years after declaring bankruptcy It takes 9 years to discharge debts, while the average bankrupt company or individual in Iceland has to wait 12 years.

We only have 12 months to go through the process of getting out of bankruptcy restrictions and debt. "Lawyer James nodded and explained to Arthur who was looking at him.

Well, it's really shameless to be so stinky! Sure enough, old capitalist countries can play. . . . . .

If it wasn't for using money to make money and invest, maybe he would really use this method to cheat the bank and smooth out debts. However, this method will not work now because he cannot bear the burden of bankruptcy. Borrow money, borrow tens of millions of pounds!

"Hehe, it's a good idea, but it's a pity..." Arthur shook his head and smiled, his eyes were firm, and he looked at Robert Lang seriously and continued: "I still insist on using the land of the manor as a mortgage to borrow from the bank. I need this A sum of money is very much needed!"

Hearing the firm and persistent attitude in Arthur's words, Robert Lang frowned slightly and glanced at the butler Paul who was standing next to Arthur, and Paul nodded slightly at him with a helpless expression on his face. Robert Lang was also quite Feeling helpless, there is no way, these assets belong to Arthur Boleyn, and he can deal with them as he wants, but Robert looked at Arthur with a trace of imperceptible indifference and contempt.

"Lord, how much do you want to borrow?"

"Of course, the more the better, I know that Boleyn Manor has consulted with an appraisal company before, and the value is 40 million pounds. If possible, I hope it is a 40 million pound loan." Arthur keenly felt a slight change in Robert Lang , However, he didn't care, but said indifferently.

Robert Lang twitched his lips, shook his head and said: "Impossible, the bank will not lend in full based on the appraisal price, and, in the current economic environment, you should also know that major banks have already tightened their loan business, even Commercial land is falling, and the land of the manor cannot be used for commercial development, so the value will be discounted by the bank.

Fortunately, because of the financial crisis, the central bank lowered the benchmark interest rate to 0.5% in March this year to promote the increase in the number of mortgage loans. Correspondingly, investors' mortgage interest rates have also remained at historically low levels. The loan interest rate can generally be controlled between 2.8% and 3.5%. For local residents living in the UK for a long time, the mortgage interest rate can be as low as 0.99% if they have good income and credit records. . . "