rebirth of cataclysm

"Well, you'd better wait a while for President Min to tell you. She didn't give me too much details." Lin Mingzhen said in a roundabout way.

"Okay, let's go up quickly and don't keep Min Xing waiting for a long time." Since Lin Mingzhen couldn't get anything out of him, Hu Mingchen simply didn't ask.

Anyway, we are going to sit down and talk face to face with Min Min soon. It doesn't matter if we find out one minute earlier and one minute later.

Hu Jianqiang and Lin Mingzhen shook hands and greeted each other.

The three of them arrived at Min Min's office, and Min Min was still waiting for them in the rest area.

As soon as Hu Mingchen and the others entered, Min Wen stood up with a smile on his face and took two steps forward to greet them.

When I met Min Min, we exchanged pleasantries again. After exchanging greetings and greetings, we sat down again as we did the last time we met.

"President Min, you should have brought good news when you came back from the province this time. I guessed it right, right?" Hu Mingchen asked with a smile after sitting down.

"Are you sure I'm coming back with good news, or do you hope I'm coming back with good news?" Min Min asked with a smile.

Seeing Min Wen's smile, Hu Mingchen knew that things were almost done.

"I am both hopeful and certain. I think we will not be disappointed this time." Hu Mingchen said with certainty.

"I'm not sure whether you will be satisfied with this." Min Min said.

"President Min, are you still not approved by the provincial bank?" Hu Mingchen asked solemnly.

"The approval is granted, but... there is no discount in terms of interest." Min Wen said seriously.

This involves money, so you can't do it casually.

"There is no discount on interest, so how is it calculated? It's because we can't afford it," Hu Mingchen said.

Immediately, Hu Jianqiang took out a piece of paper and handed it to Hu Jianqiang: "This is our current commercial loan interest rate calculation. You can take a look."

That piece of paper was filled with dense numbers and calculation formulas. Although there were some explanations beside it, it was professional vocabulary and he couldn't quite understand it. Hu Jianqiang only glanced at it twice and felt that he was confused and didn't have a clue.

. So he simply handed the piece of paper to Hu Mingchen, and Hu Mingchen looked at it and made his decision.

Hu Mingchen took the piece of paper and read it for two or three minutes.

"President Min, the interest for two years is as high as 11.16 million? Didn't you hear that the interest rate on commercial loans is only 4.00 points? Why did you write 5.27 on it?" Hu Mingchen asked.

"Because the shorter the time, the lower the interest rate. We use the benchmark interest rate announced by the central bank to calculate it. This is not wrong. Although the total interest is 11.16 million, your annual interest is actually only 550,000.

180,000." Min Min explained.

"Wow, we have to pay more than 5 million yuan in interest to the bank a year. This is too high. I'm afraid we won't earn that much in a year." When Hu Jianqiang heard that he had to pay back more than 10 million yuan in interest, he said

Feel shocked and surprised.

"Mr. Hu, your loan is a commercial loan. You use money to make money. Moreover, your loan is 100 million, and the interest is only more than 5 million per year. This is not expensive. Could it be that if you invest 100 million, what will happen?

You can't even earn back five million? If that's the case, you really don't need to find a bank loan." Min Min said.

Min Min's words were a little sarcastic, but she had to admit that what she said was true. For an investment of 100 million, the return rate should be 10% no matter how low it is, which is still 10 million.

"Haha, President Min, you are right. Okay, then at this interest rate, more than 10 million is more than 10 million. We are willing to lend." Hu Mingchen said with a self-deprecating smile.

"Okay, since you agree to this condition, the rest will be much easier to handle. Tomorrow you will prepare the information and come to our bank to apply for it. Please contact Director Lin for details. After the procedures are approved, the funds will be transferred to your company account.

"Min Min said simply.

"President Min, how long is this period? In other words, how long will it take for the procedures to be completed and approved, and when will the funds be available?" Hu Mingchen asked, "In addition, what information do we need to provide?"

"Let Director Lin answer this for you." Min Wen asked Lin Mingzhen the question.

"It will take about seven to ten days, because we also have internal procedures to go through. I will give you a list of the information you need to provide, such as licenses, legal person information, your shareholding certificates, etc.

It’s necessary.” Lin Mingzhen said.

Lin Mingzhen is the deputy director of the credit department, and he is quite comfortable in this area of ​​business.

"Does the company's legal representative want to come forward?" Hu Mingchen continued to ask.

"This is still necessary. At least the loan contract needs his signature. In addition to the company's official seal, the information you provide needs the signature and fingerprint of the legal representative." Lin Mingzhen explained.

"Okay, then I understand."

This is the case with many businesses. When the final decision is made, it doesn't take long. Instead, it takes time to deal with the details in the early and late stages.

This time, Hu Mingchen and the others only talked with Min Wen and Lin Mingzhen for about 40 minutes, and the 100 million bank loan was finalized.

After the conversation, Hu Mingchen proposed to invite Min Min and Lin Mingzhen to dinner, but Min Min declined because she still had work to deal with.

"Xiaochen, since you need your father to come forward, you'd better call him and ask him to come and delay his time for a few days." Hu Jianqiang reminded him on the way back.

"Haha, it seems like he won't come if you call him. Besides, he has nothing to do, so there is no reason to delay." Hu Mingchen said with a smile.

"Who said there is nothing to do? Your father and mother have been cleaning up the store these two days."

"Clean up the facade? Clean up what facade?" Hu Mingchen asked curiously.

"Your father told me that he wanted to do business and asked me to give him two storefronts. So I gave them to him. What he meant was that one storefront would sell expenses and the other storehouses would sell pesticides and seeds. So this

He has been busy for two days, and he is still painting the walls today." Hu Jianqiang said.

"Why didn't you tell me this?"

"This is not a big deal. Besides, in name, everything belongs to him, including Duge's National Street. He can not only use those facades, but also sell them. In addition, he told me to wait until it is completed.

Let me tell you, what can I do? Can I disagree?" Hu Jianqiang said helplessly.

Hu Mingchen thought about the same reason. Hu Jianjun told Hu Mingchen not to tell Hu Mingchen until it was completed. He probably didn't want to appear too dependent on Hu Mingchen. He might want to prove that he could accomplish things even without Hu Mingchen's participation.

Although Hu Jianjun is the chairman of the company, he has no decision-making role in matters large or small. He is basically just a personal figure and a puppet. Hu Jianjun may not say anything at ordinary times, but it is conceivable that he still has ideas.

Especially when others say that everything is due to Hu Mingchen, Hu Jianjun may be a little hurt in his heart.

"Forget it, just do it if he likes it. It doesn't matter whether he makes money or not. If he can find something to do to pass the time, that's fine," Hu Mingchen said.

Hu Mingchen didn't expect much money from Hu Jianjun's fertilizer business and pesticide seed business. Today, Hu Mingchen no longer valued the small profits. Even if Hu Jianjun lost all the money he invested, Hu Mingchen didn't care.

.

Of course, from Hu Mingchen's tone, it can be heard that he is not very optimistic about his father's independent business. This is not because Hu Mingchen does not like Hu Jianjun's business acumen, but rather the mental impression accumulated from the past experiences.

.

"I actually think so too. The cinema is owned by Hu Mingyi and his family. Whether it's the supermarket, the travel company, or even Pengcheng's investment, your father can't get involved, so it's hard to be idle. So.

He proposed to do something, I didn't object, and I listened to him and didn't tell you. Those two storefronts are ours anyway, we just charge less rent," Hu Jianqiang said.

"I'll call him tonight. He's probably still busy at the store now, and the last bus should be leaving. I'll call him, as long as he can come tomorrow." Hu Mingchen said.

Because Su Yueling was there, Hu Jianqiang did not stay in the office with him in the evening. After everyone had lunch together, Hu Jianqiang took a room by himself in the small hotel opposite.

"It's not good to let Third Uncle stay in a hotel like this. Yue Ling and I should go out and stay." Fang Guoping said apologetically after Hu Jianqiang left.

"What's the point? He's alone. You two live outside and you don't have a marriage certificate. What if you get checked? So don't talk about it. He may still feel comfortable living outside alone.

"Hu Mingchen said casually.

Talking about ward rounds but not ward rounds is pure deception. The main reason is that they have to spend money to live out. Hu Jianqiang is currently alone and has no pressure. Moreover, he is the general manager of the company, and his economic conditions are much better than Fang Guoping and others.

This young couple is still hoping to save money to get married.

"I'm sorry." Su Yueling continued.

"It's okay. After a while, I will rent or buy a few houses and give you a couple. Then it will be convenient."

"It's very nice here. How much does it cost to buy a few apartments?" Su Yueling was surprised by Hu Mingchen's tone.

"Haha, sister-in-law, it doesn't cost much. This place is a bit old, and it's an office and people living in it, so it's not appropriate. Don't you still want to live in a world for two?" Hu Mingchen took a sip of the ice he brought back from outside.

Black tea ceremony.

"But I...I have to follow you." Fang Guoping said.

"Why are you following me? Besides, do you think you guys will live far away? We'll just live next door. Don't worry, I'm not tired of Sister Yue Ling's cooking skills. If you want to leave me, why don't you?

None."

"Come on, what do you guys do? I'll call my dad." Hu Mingchen said, lying back on his bed, calling Hu Jianjun and asking him to come to the city to apply for a loan.