flstandardbreds Chapter 335: Loan
Chapter 335: Loan
Wenjun smiled.
When it comes to grabbing loans, there are only a few tricks.
Low interest rates are naturally the most tempting and most commonly used method.
"Mr. Li didn't accept it?" Wen Jun asked.
Li Youcai also laughed. He had several thoughts just now and wanted to agree.
"If you weren't here, maybe I would have agreed."
"Since Mr. Li thinks so highly of me, I will definitely not let him down. No matter how low their offer is, I will match it, and even lower it by 0.5 percentage points."
Li Youcai smiled again upon hearing this, then looked at Wen Jun with interest and said, "President Wen, do you know what interest rate they offered me? 5% annualized, paid every six months."
Wenjun had already expected it to be very low.
But I didn't expect it to be so low.
However, Wen Jun at this time already regarded the loan as something in his pocket, so how could he let someone intercept it so easily?
"Guo Weiye is really generous. He actually lowered the interest rate to such a low level."
"But I keep my word. The annual interest rate is 4.5%, and the interest will also be settled every six months, for a five-year term."
Wenjun offered a lower interest rate.
"Isn't what President Wen said angrily? I don't want this loan to be halfway through and encounter other setbacks."
Pengfei had also made a wish to him, but something went wrong at the last moment.
Now Wenjun has also made a promise to him, still with such a low interest rate, and Li Youcai does not want the same problem to happen again.
"Please rest assured about this, Mr. Li. I only say things that I can be sure of. I won't say anything about things that I can't be sure of." Wen Jun said affirmatively.
"Since President Wen is so determined, let's have a pleasant cooperation."
Li Youcai stretched out his right hand and shook hands with Wen Jun.
The procedures for opening an account for Chunfeng Bakery were not complicated. Registration, filling out forms, signing and stamping were all done quickly with the cooperation of two tellers.
The progress of the other two loan officers was a little slower because there were a lot of materials that needed to be carefully checked, and some of the terms in the loan agreement also needed to be carefully checked by the people at the bakery.
It was almost 11 o'clock in the morning when all the procedures were completed smoothly.
The two loan officers and Liu Ziqiang took the finalized materials into Li Youcai's office.
"President, everything is ready. Now we just need Mr. Li to sign and stamp our bank's seal, and we'll be done."
Liu Ziqiang also nodded at Li Youcai, indicating that everything was fine.
Wenjun picked up the pen and clearly wrote 4.5% in the annualized interest rate column.
He then signed his name first in the signature column and attached his own special seal.
"Mr. Li." Wen Jun pushed the loan contract to Li Youcai.
Looking at the interest rate clearly marked as 4.5%, Li Youcai signed his name without hesitation and put his fingerprint on it.
"President Wen is very decisive. We will definitely become long-term partners in the future."
"It is my honor to be a partner with an entrepreneur like Mr. Li. Mr. Li, don't worry, the loan will be disbursed to the new businesses opened in your factory as soon as possible." Wen Jun put away the loan contract and put it in his briefcase.
"I've finished my work and the time is right. I'll treat everyone to a simple lunch at noon."
Wenjun stood up and picked up his briefcase.
"We appreciate Mr. Li's kindness, but we won't have dinner for now. I'll treat Mr. Li to a meal when he comes to Taihe someday."
"We are in a hurry now and need to get back to the bank, so we won't stay any longer."
"Since President Wen is in a hurry, I won't force you to stay. We'll have a lot of time to interact with each other in the future anyway, so we can have a drink and chat later."
"I'll see you off."
Li Youcai stood up to see him off, and Liu Ziqiang followed behind.
The group walked straight out of the bakery gate.
"Mr. Li, please stay. We will contact each other by phone later. I will notify you immediately when the loan is received." Wen Jun said.
"Walk slowly."
Wenjun was holding a briefcase in his hand. After leaving the bakery, the few of them went directly to the bus station, ready to return directly to Taihe, without even having a bite of lunch.
Two groups of people in one morning.
They all came here for his one million loan. Although there were some twists and turns, the result was good.
Especially the interest rate, which was far beyond Li Youcai's expectations.
"Director, do we need to notify the credit union?" Liu Ziqiang asked.
Pengfei didn't say anything definite when he left, asking him to think about it carefully and wait for his news.
Now that I have signed a loan agreement with the Agricultural Bank of China, there is already a result. It would be useless for Pengfei to wait any longer.
"Let's talk about it later. Calling him now will seem like showing off to him, and it will inevitably make people think too much."
"Let's go to the cafeteria and eat first."
After drinking tea for the whole morning, Li Youcai was already hungry. He called Liu Ziqiang and prepared to go to the factory cafeteria.
Wenjun returned to the bank and immediately reported the loan matter to the provincial capital.
The special approval process went very quickly, and the loan money was directly transferred from the provincial branch to the branch.
the other side.
Pengfei and Guo Weiye were still waiting anxiously.
After a long night, until the next afternoon, Pengfei was sure that Li Youcai would call, but the call never came.
Pengfei can wait, but Guo Weiye, who is in Taihe, becomes more and more anxious the longer he waits.
Unable to bear it any longer, he called Pengfei again.
"I suggest you give him a call and ask him. It's not a solution for us to just keep waiting like this. What if Mr. Li can't save his face and we don't take the initiative? Then the matter will be stuck here." Guo Weiye said to Pengfei on the phone.
Of course Pengfei also wanted to know the result.
But no matter how much he tried to please Li Youcai yesterday, he still refused to give him any face, which made Pengfei a little angry.
In addition, Pengfei was very confident that the Agricultural Bank of China would definitely not offer an interest rate lower than theirs, and he firmly believed that Li Youcai would definitely borrow money from their credit union again.
Therefore, Pengfei did not want to make the call actively. He wanted to wait for Li Youcai to call him himself.
That way he could not only regain some face, but also take the initiative in the loan matter.
Unfortunately, what Pengfei didn’t know was that the result was not as he expected.
He not only underestimated the Agricultural Bank of China, but also underestimated Wen Jun, and even more so Li Youcai.
"Wait a little longer. It's only been this morning. Maybe the Agricultural Bank of China hasn't come up with a result yet." Pengfei said.
"What are you waiting for, Pengfei, I'm telling you, you should call Mr. Li right now. As long as he agrees, you should go to get him to sign immediately. Things here are not as simple as you see. Just do as I say, do you hear me?" Guo Weiye had lost his patience and urged Pengfei to make the call quickly.
"Okay, I'll fight now."