Rebirth Starts From 2006

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The three of them sat down on the chairs next to them. Chen Yang tried his best not to look at the pair of jade legs, looked at Zhou Na seriously and said, "I want to ask, does your bank accept personal mortgage loans?"

"Pledge?" Zhou Na looked at Chen Yang and repeated it. After getting the confirmation, her two willow eyebrows frowned slightly, "President Chen, do you want to use chattels or securities as pledges?"

Pledge and mortgage are different, the fundamental difference between the two lies in whether to transfer the possession of the secured property.

Mortgage does not transfer the form of possession of the collateral, and the mortgagor is still responsible for the custody of the collateral. For example, if you want to use a house or car as collateral, you can still live in the house, and the car does not affect you, but you cannot buy or sell it at will. ,

But the pledge is different. He will change the form of possession and management of the pledge, and the pledgee will be responsible for keeping the pledge.

Generally speaking, mortgages are mainly used for real estate and movable property, while pledges are mainly certificates of rights such as movable property and securities. The most typical of this category are stocks or bonds, which are not low in value and easy to manage. Banks Favorite pledge target.

Why can't real estate such as houses be mortgaged?

Because the bank can't move!

As soon as Zhou Na finished speaking, Chen Yang said, "Stocks."

He doesn't have a house to mortgage, but he still has stocks in his hand. Taking part of the stocks as pledge will not affect the follow-up income of the stocks, but also obtain working capital. What he pays is only a little interest. Why not Why.

"Stocks," Zhou Na shook her head slightly apologetically, "I'm sorry, Mr. Chen, because it involves the transfer of possession rights, stocks need to be deposited in a specific account, and our banks generally don't accept stock pledges from individual customers. Only work with institutional clients in this regard.”

When she said these words, she still felt a little regretful, why it happened to be stocks, and it would be fine to exchange them for other movable properties.

"That's it." Chen Yang was obviously disappointed, but still shook his head with a smile, "It's okay."

The bank can't do it, what else can I do? There are not many serious microfinance companies now, and some are just informal private lending institutions. He doesn't want to go to them, and the interest is too high.

At this time, Zhang Jin suddenly interjected, "Mr. Chen, are the stocks you are talking about ordinary tradable shares, the ones stored in your personal stock account?"

Chen Yang looked at her,

She nodded slightly and said, "Of course, it's not in the account, and I have no place to put it."

Now it’s not more than ten years ago that you were issued a piece of paper for you to hold, and all stocks are electronic certificates, okay?

"Then," Zhang Jin tilted his head again and asked, "Which securities company did you open your securities account with?"

Hearing this, Zhou Na already understood, gave her best friend an appreciative look, and quickly smiled at Chen Yang, "Mr. Chen, that's it. Our Min'an Financial Group also has its own securities company, and we provide stock for big customers." Pledge loan business, if you open an account with Minan Securities, you can apply for a pledge loan directly through the securities company,

However, due to the high uncertainty of the stock price, the loan ratio can only be given to 60% of the average price of the three days before the signing date, and once the stock price falls and hits the stop loss line, the securities company will forcefully sell the stop loss. In addition, The interest rate will also be slightly higher than the bank loan interest rate, and these regulations are fixed, and there is no way to adjust the operation, but I can speed up the loan time through internal coordination, and the fastest can be credited on the same day. "

It is normal that the interest rate is higher. The money borrowed by the securities company is just the money that is transferred to the bank with the pledge and then borrowed. private lending company.

"Oh?" Chen Yang's eyes lit up immediately, he looked at her and asked, "If I transfer my personal account from another securities company, how long will it take to complete the procedures?"

At that time, because he wanted to embezzle loans to invest in the stock market, in order to avoid the information exchange that he didn’t know existed, he deliberately chose another securities company.

In fact, he can also directly apply for a pledge loan at that securities company, but the relationship over there is not as strong as that here, and it may take a lot of time to apply. looking for trouble.

Seeing that Chen Yang was really interested, Zhou Na immediately said happily, "This is very simple. I will accompany you to the securities business department when the securities company goes to work the day after tomorrow. It will be done in a few minutes, and you are our Gold card users of Min'an Bank can directly bind this account as a fund custody account, which will be more convenient for lending money."

Not only can I make performance for myself, but I can also help the securities company win a big client. This business must be won!

"That's fine," Chen Yang nodded, "I'll find you at nine o'clock on Monday morning, and I'll leave this to you."

"No, it should." Zhou Na said with a smile, "Then I'll wait for you on Monday morning."

After talking about the matter, Chen Yang got up and left without hesitation. Facing the two beauties in swimsuits, if he didn't leave, he might make a fool of himself.

At this time, a gust of cool wind blew, and the two women couldn't help shivering. Zhang Jin wrapped the bath towel on her shoulders tightly, and leaned close to Zhou Na, and said with a smile, "How about this deal?"

Zhou Na glanced, "I took the order, and you proposed the solution. Of course, it's half of each person."

"Tch," Zhang Jin pouted, "Obviously I was the one who talked to him first, why did he want to find you?"

As he spoke, his big eyes narrowed into a slit, and he looked back and forth at Zhou Na's graceful figure, "Could it be...?"

"It's hard for your size." Zhou Na's pretty face flushed instantly, she stood up and trotted towards the hot spring pool, "It's so cold, hurry up and take a bath."

"Why are you so anxious, I haven't even spoken yet, hum, I'm trying to cover up my ears!"

Zhang Jin pursed her lips and muttered, and then followed after her.

...

Monday, January 8,

Accompanied by Zhou Na and Zhang Jin, Chen Yang transferred his securities account to Min'an Securities in less than an hour, and loaned out 10 million yuan with a part of the stocks in the account as collateral. Then add a little balance in the original account and convert it into 1.3 million US dollars.

Although Qin Yu only needs one million, after going there, the daily expenses will also cost money, so she can't let her pay for this, and set aside a little more risk reserve, of course, it must be prepared adequately.

After finishing the work, he went home, and didn't give Zhou Na and Zhang Jinla a chance to get along.

Cough cough, the main reason is that I am afraid that I will not be able to hold on.

The boy paper is outside, you must protect yourself!

...

In the evening, when Zou Rong came back from get off work, she was surprised to see a table full of vegetables. She put down her bag and ran over. While someone was still in the kitchen, she picked up a ball and was about to put it in her mouth. leave,

Chen Yang came out with two bowls of vegetables and stared at her helplessly, "You don't wash your hands!"

"Hey," Zou Rong laughed awkwardly, threw the ball into her mouth decisively, put down her chopsticks, and ran into the bathroom.

When she came out again, Chen Yang had already prepared the rice and put it in front of her.

Picking up the chopsticks, Zou Rong leaned over and said with a smile, "What's the matter, today is so rich?"

"Because I'm going on a business trip, I'll feed you first,"

Chen Yang put a bowl of soup in front of her, looked at her and laughed, "I need to go abroad for a while because of work."

"Going abroad?" Zou Rong was stunned for a moment, her good mood disappeared all of a sudden, she stared blankly at him, the corners of her mouth twitched, "Why do you want to go abroad? Are you with your boss?"

"Well," Chen Yang blinked, and said frankly, "No, it's with a colleague, mainly for securities investment."

When I look back and set up a fund management company, I and Qin Yu can be regarded as colleagues.

"Oh, investment," Zou Rong pouted, poking and poking chopsticks in the bowl, not in the mood to eat anymore.

"Look at you," Chen Yang pinched her face and said with a smile, "I'm on a business trip, and it's not like I'll never come back."

"Bah bah bah,"

Zou Rong immediately waved her hands in displeasure, "Tong Yan Wuji blows away,"

Then his eyes widened, "How old is a person who can't speak, it should be smooth and smooth, hurry back!"

"Okay, okay," Chen Yang said with a chuckle, "Okay, go and come back quickly."

"Then," Zou Rong turned sideways and looked at him with blinking eyes, "how many days will you be back?"

Chen Yang winked and thought for a while, "Well, the shortest is half a month, and the longest is a month."

He didn't know how long Qin Yu would have to operate, but neither he nor Qin Yu himself should spend the Spring Festival in a foreign country.

"One month?" Zou Rong became angry instantly, "It's going to be Chinese New Year in one month, okay?"

As he spoke, he leaned forward and said viciously, "Be honest, are you going to elope with a beautiful colleague?"

Looking at the red lips in front of you, you can take advantage of it!

Chen Yang immediately took a sip, looked at Zou Rong who quickly retracted and smiled, "Who is more beautiful than you?"

Zou Rong blinked and blinked for several seconds before she nodded sincerely, "That's true!"

Done!

Chen Yang compared (＾－＾)V in his heart, and graciously brought food to his girlfriend.

It's just that although she can understand, Zou Rong is still obviously a little unhappy.

Chen Yang rolled his eyes and said, "The design of the new house has been finalized. I asked Zhang Chunli to watch over it. There should be no problems. It takes about half a month to 20 days to make the furniture in the factory, plus ventilation. Just in time for me to come back."

As soon as the topic changed, Zou Rong's attention was turned as expected, and she blinked and said, "Then, before we go home for the Chinese New Year, can we live in?"

Chen Yang nodded very seriously, "No problem at all!"

"Yeah," Zou Rong laughed, winking at Chen Yang, "I will reward you today!"

Chen Yang's eyes lit up, "Hey hey hey!"

With a sigh in my heart,

Hey,

I'm going to have a backache tonight!

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