Rebirth of the God-level Xueba

President Li came with a file bag and went with a file bag. From the beginning to the end, he was not called by Mr. Qiao, and even failed to present to Mr. Qiao his carefully crafted and signed deposit certificate.

He watched Yang Rui take pictures with Qiao Gong, and listened to Qiao Gong's various praises and comments on Yang Rui. Although only a few people met, President Li knew very well that these details would eventually be spread out.

Even if others don't say it, he can't help bragging at the banquet table, not to mention, Qiao will write it into Mr. Qiao's "Daily Notes" if he doesn't manage well.

This made President Li a little bit disappointed. Although he is a department-level cadre, the department-level cadre of the bank can see Mr. Qiao once in a lifetime. The evaluation of "talent" and even the promise of "full display of talent", but it is also good to be able to sign up once.

The moment he walked out of Mr. Qiao's reception room, President Li was extremely regretful. If he had known earlier, he should have prepared more fully, at least in terms of clothing. If he had known earlier, he should have put more effort into Yang Rui. Please give him a good word Fan, I'm afraid I knew it earlier than decades of hard work. I should have shouted before leaving, I am Li Zhongxue from the People's Bank of China!

"President Li." Director Hu's voice sounded like thunder in Comrade Li Zhongxue's ears.

Li Zhongxue turned around at the fastest speed in his life, showed a clear smile, and greeted: "Director Hu."

"President Li, please wait a moment."

Director Hu's voice was so warm to President Li's ears.

President Li said impatiently, "I'm here..."

It was a completely unnecessary sentence, but he had already restrained it, otherwise, he wished he could utter what was in his heart right now: Mr. Qiao, please call me, Mr. Qiao, please ask me to go back and ask.

"Mr. Qiao..." Director Hu spoke.

President Li's eyes lit up.

"Mr. Qiao... I need some information here." Director Hu pointed to the file bag in President Li's hand.

"Oh... oh!" President Li lowered his head and noticed the document bag he was carrying with him. He quickly handed it out and even bent over.

"Thank you." Director Hu thanked him very politely, and before leaving, he ordered: "President Li, when Yang Rui is doing loans and other matters, please be more considerate. If it complies with the policy, the interest rate should be as low as possible. , the time limit can also be set longer and the conditions more lenient. After all..."

Director Hu considered his tone, and said, "Comrade Yang Rui has already paid a lot. Even if something goes wrong, we can't let him be in debt... We can't let soldiers bleed and cry, and we can't let researchers who do research be burdened. When moving forward with the destiny of the nation, let him bear the unspeakable burden..."

President Li said these words with emotion and fear, he said cautiously: "Don't worry, I will study the policy carefully and try my best to give an appropriate loan plan."

Director Hu smiled slightly and said, "Then I'll trouble President Li. If you have anything to do with Yang Rui, please contact me."

Then, Director Hu handed a business card to President Li.

President Li wished he could jump up, and stood with his hands tied to send Director Hu out the door.

Trotting to the parking lot, President Li got into the car out of breath, and looked at Yang Rui again, his expression was refreshed into a smiling face again, as if the machine had restarted.

"Director Yang, what are your requirements regarding the loan?" President Li waited for the car to start, and asked in a low voice.

Yang Rui was a little amused, and asked, "What are the bank's requirements?"

"According to the loan interest rate implemented after August 1, 1985, the current semi-annual working capital loan has an annual interest rate of 7.92%, but it can only be borrowed for one year. If you use a fixed asset loan, the time will be longer , from one year to ten years, but the interest rate will become higher, 792 for a one-year term, 864 for a three-year term, and 108 for a term of more than 10 years..." President Li looked at Yang Rui cautiously,

Dao: "The annual interest rate is regulated by the state. Although it can be lowered a little, it is not much."

Yang Rui nodded "Yes", nothing changed.

President Li thought Yang Rui didn't understand, and quickly explained: "The interest rate of the current time deposit is 72, which means that for a one-year loan, you have to pay 06 more interest a year, and for a three-year loan, you have to pay 14 more. The ones are even more powerful, 36 more every year."

"kindness."

"If you have a loan of 100,000 yuan, the interest will be 1,000 yuan more per year!" President Li said solemnly.

For people in the 80s, 1000 yuan is not a small amount of money, it is equivalent to a person's salary for a year.

Yang Rui still nodded and said, "I understand."

As a hidden multi-millionaire, Yang Rui is not afraid of the small money interest of 1,000 to 20,000 yuan at all. Besides, the current bank interest can be regarded as a conscience.

The interest on the three-year loan is only 14 more than the interest rate on the time deposit, which is unthinkable after thirty years.

The banks of later generations can't wait to make a price difference of two or three times.

It is a wealth management product with a slightly higher interest rate, which also has a lot of cash and is full of fun.

If inflation is included, bank loans in the 1980s were basically free gifts, and one of the purposes of Yang Rui's request for loans was also the same.

Of course, if there is no special way, there is no room for Yang Rui to borrow money now.

Although the era of banks scrambling for loans is not over, high-value loans are already more difficult.

President Li was quite helpless, and said again: "My idea is not to use the 10-year loan. Of course, I am not saying that the loan period cannot be long, but the ten-year loan will have too high interest. Instead of this, it’s better to take a loan for one year first, and then I’ll change it to a long-term loan for you. Of course, this will not guarantee the time, but three or four years is still no problem, and it can save a lot of interest. For example, you I need to borrow 100,000 yuan."

"1 million."

"what?"

"I'm going to take out a loan of 1 million." Yang Rui replied.

President Li froze a bit. Although he is the president of the branch, he could approve a loan of one million yuan, but this amount is acceptable for enterprises. Is it compliant for laboratories?

President Li can't say it himself, after all, there is no such precedent.

However, recalling what Director Hu said, he spoke on behalf of the prime minister, so how could President Li refuse Yang Rui.

He hoped that Yang Rui would give up on himself, saying, "If it is 1 million, the interest is very high. Although there is no collateral, it is not impossible..."

"I have collateral."

President Li smiled and said, "1 million collateral is plenty..."

"At the beginning, I bought about 100 sets of courtyard houses, as well as some stamps, calligraphy and paintings."

President Li was on the verge of a shutdown again, and asked, "100 sets of courtyard houses, why are there so many?"

"When I got the money, I didn't know what to do, so I bought some things." Yang Rui looked like I was young and self-willed.

President Li moved his mouth and admitted: "The courtyard house is really hard to sell. If there are 100 sets, it is more than enough to make a mortgage of 1 million."

"Of course it would be best to do more." Yang Rui hit the snake with the stick.

President Li nodded and asked, "How much do you want?"

"The more the better."

"Okay, I can guarantee a loan amount of more than 200,000 yuan." President Li promised very readily, but after that, he still couldn't help saying: "100 sets of courtyard houses are too much."

"Yeah, it went smoothly when I bought it."

"Is it easy..." President Li shook his head and persuaded: "I will help you get a mortgage first. If you have time later, you should sell the remaining courtyard houses. Now the country is under construction everywhere, and the houses are getting more and more built. The more people want the lights and telephones upstairs and downstairs, the harder it will be to sell the courtyard house in the future.”

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