I Am a Nobleman in England

London, the name of the city, was first known to Arthur in his previous life when he was a child, and it was through the TV series "Detective Sherlock Holmes" in the early 1990s. The imprint left on him is the continuous gray rainy day, and the cold light in the fog in the alley.

Under the streetlights, there are black figures walking on the gravel road with walking sticks, top hats and cloaks, as well as thieves and tattered children stealing. There is no sun, but muddy streets, dirty, and that's what the evil old society should look like.

N years after he grew up, he did not expect that he came to London by time travel, and at the same time shattered many stereotypes.

There are not only cloudy and rainy days here, but also blue skies, with large floating clouds passing over the spire of Big Ben. The famous 18th-century Royal Deer Hunting Farm in Hyde Park, inlaid in London where every inch of land is precious, shows luxury.

Emerald green, clear blue and white clouds form a beautiful picture of comfort. The pollution brought by the industrial revolution has disappeared, and the "foggy city" has become history. The sky is no longer gray and drizzling, and the streets are no longer wet underfoot.

In early autumn, on a warm and sunny morning, Arthur fit his whole life into a neat suit, a clean white shirt, a blue tie, a pair of black leather shoes, and a pair of gold-rimmed glasses. There is the slightest trace of street gangsters.

I'm afraid that even if he passed by those cronies from his predecessor, they wouldn't recognize him.

Arthur, accompanied by lawyer James and financial advisor Robert Lang, walked into the Santander Bank of London while stepping on the stone steps, while looking at his own reflection in the glass door of the bank, thinking so.

For him, everything in the past has changed, and he never thought about going out on the street again, and lost his mobile phone back then, so Arthur deliberately lost all the memories of his former life in London. Your own world is different!

Stepping into the lobby of Santander Bank, the three of Arthur and his party were welcomed by the credit manager of the bank who had been waiting for a long time to the VIP room on the second floor. The credit manager said with a smile and respect, very politely.

"Your Lordship (Your Excellency), I believe you are aware of the specific situation. At present, all banks have become more cautious in lending after suffering huge bad debt losses, and the review of lenders has become stricter. The loan interest rate has been reduced to 1.66%, which is already very sincere.

The current real estate market prospect is unclear, and the value of the land has also shrunk seriously. Although our bank is very interested in your loan project, we will take a big risk if we really want to make a loan according to the asset evaluation amount you submitted. Therefore, I hope you can understand the difficulty of our bank. "

Hearing these words, Arthur had to sigh that the other party could speak, at least the service attitude was really good, there was no sense of superiority and superiority, which made people sound very comfortable, and there was indeed a kind of harmony that made money concept.

However, the words are good, but the truth of the matter is not necessarily the case. Banks have indeed become cautious in lending, but on the other hand, the large rescue funds have made them very rich in funds. Banks are also very keen to increase the level of mortgage loans. Use your savings. But not very keen on real estate and land mortgages.

Moreover, Arthur believes that even if the bank lowers the price to 1.66%, it can still get a 10% return on the loan. Although the profitability is much lower than before the financial crisis, it is still more than most of the big banks in the past two years. Depressed earnings.

As for the bank's idea of ​​lending out a little less money to reduce his own risk, and also wanting to charge interest to make himself profitable, Arthur can naturally understand, but understanding is understanding. For him, it is not so good.

"If you insist on following the asset evaluation data submitted by us,

How much can your bank lend us at most? "

"70%, according to the total assets of 40 million pounds, we can only lend you 28 million pounds."

The other party answered very quickly without any hesitation. This made Arthur frowned slightly. After pondering for a moment, he looked at the other party, shook his head and said, "Seventy percent is too little, and it can't meet my psychological expectations. I believe your bank should review it." According to the information of the manor, the profit level of the manor is very stable. In addition to the fixed farm rent, there are also agricultural subsidies from the European Union. I believe these are enough to guarantee the ability to repay the loan.

As for myself, I am a writer, and I just signed two contracts recently, one of which sold the film and television copyright at a high price of 750,000 pounds, and the novel will be published in the near future, and the other has also been signed with the famous multinational publishing group Lan Deng Shuwu signed a publishing contract and will publish it in the near future. So your bank does not need to worry about my repayment ability! "

As soon as these words were said, the expression on the face of the credit manager named Jerry Jones changed slightly, and he looked suspiciously at Robert Lang, the financial consultant who had been negotiating with him, as if to ask again, why didn't he listen to it before? Did you mention it?

"I'm sorry, these two business cooperations were concluded not long ago. However, as our boss said, the last thing your bank needs to worry about is our boss's repayment ability, because our boss is an absolutely high-quality customer." Robert Lang said, to clear up the other party's suspicion.

"That's it..." Jerry Jones couldn't help frowning slightly after hearing the explanation, and thought about it. After a while, he looked at Arthur and asked with a smile: "What is your mental figure, Your Excellency?"

"If possible, I hope it will be 40 million pounds. After all, my estate is appraised to be worth more than 40 million pounds."

"Sorry, sir, this number will definitely not pass, the risk is too high, 75%, what do you think?"

Arthur smiled and shook his head. He didn't want to test each other bit by bit, so he turned his attention to his financial advisor. It's better to leave this kind of bargaining to his subordinates.

"It's too low. It's too different from our estimated price of the manor. We're obviously at a disadvantage. It's ninety-five percent. I believe this figure is fair after all." Robert Lang naturally saw the look Arthur gave him, without any doubt. Without hesitation, he started bargaining with the other party.

More than ten minutes passed, and Robert Lang and the other party did not come up with a result in the end. The main reason was that the credit manager on the opposite side could only lend Arthur 75% of the total assets. He must report the loan ratio, which is finally decided by the above.

"Sorry, sir, I can only increase it to 75%. However, I will report the situation truthfully. You are definitely a high-quality customer that our bank needs. I believe there will be a good result. It will take a little time , please wait patiently."

Before Arthur decided to temporarily end the discussion and was about to leave, the credit manager Jerry Jones explained very sincerely that it seemed that the other party did not want to lose this cooperation opportunity.

"It's understandable, then I'll wait for your good news, goodbye." Arthur shook hands with the other party with a light smile, and then led them away.

Walking out of the gate of Santander Bank, Arthur said to Robert Lang beside him, "How much is Halifax Bank willing to lend us?"

"30 million pounds, but the interest rate is slightly higher than that of Santander Bank, 1.7%. If the loan amount is the same, we need to pay 1,000 pounds more interest per month." Robert Lang replied immediately.

Arthur frowned slightly and nodded, "Let's go, let's see what the Halifax Bank has to say this afternoon."