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At eight o'clock in the evening, the whole family gathered together.

He Wenlin first reviewed the day's business with them, and finally brought up the topic of loans.

If you only rely on earning a little money and doing a little work, you'll miss out on opportunities.

Mr. and Mrs. He were somewhat tempted, but hesitated, mainly because He Wenlin said she wanted to take out a loan of several hundred thousand yuan, which was a bit hard for them to accept.

In the end, it was Grandma He who made the decision, saying to give it a shot.

At least the land is real estate, so even if there's a loss, it's only a small amount of interest.

Grandma He made the decision, and Mr. and Mrs. He could only listen. There was nothing they could do; she was a shareholder and He Wenlin's grandmother. Taking out a loan in the company's name, with her and He Wenlin's signatures, was acceptable.

It's no use if Mr. and Mrs. He object; they might as well agree.

The next day, as soon as the bank opened, He Wenlin went there with her mother and grandmother and met with Wang Ming, the former account manager.

Ever since He Wenlin mentioned wanting a loan, Wang Ming has been keeping it on his mind, as it affects his performance.

But after He Wenlin mentioned it, nothing more came of it, and Wang Ming thought it was over. Unexpectedly, He Wenlin and her mother came to his door on their own initiative.

Wang Ming led the mother and daughter into the VIP room.

When Wang Ming saw He Wenlin's bank statements, the statements from her food factory and three stores, he immediately said he could lend her 200,000 yuan at an annualized interest rate of 12%.

This is much lower than the interest rate offered by Xiao Zheng at the credit union.

However, after some haggling, He Wenlin finally agreed to a loan of 250,000 yuan, to be repaid in 60 installments, with an annualized interest rate of 12%.

He Wenlin seized the opportunity, fearing that her family might change their minds, and quickly completed the formalities.

He Wenlin had inquired about the required procedures beforehand, so she was fully prepared when she came. No matter how much she could borrow, even if the annual interest rate was a bit high, she was determined to take the loan!

Fortunately, the interest rate and loan amount were better than she had expected.

However, the loan won't be disbursed that quickly; the earliest it will be is next Monday.

There are only a few days left; it's already Thursday.

After settling things off here, He Wenlin contacted Xiao Zheng again. She had borrowed 200,000 yuan from him, but she wasn't sure if he could lend her another 300,000 yuan.

Of course, when He Wenlin contacted him, she was careful not to mention that she still wanted to take out a loan.

"Brother Zheng, they've lent me over 200,000 yuan here, and the annual interest rate is only 10%, so I'm really sorry, but thank you so much."

"You've already gotten a loan from China Construction Bank?" Xiao Zheng on the other end of the phone stood up excitedly.

Xiao Zheng thought he couldn't get away with this deal, but unexpectedly, China Construction Bank intercepted it.

"Yes, Brother Zheng, I'll come to you again if I need anything in the future."

"Mr. He, even if you buy land and build a factory, it won't cost you more than 200,000 yuan," said Xiao Zheng.

"It's a bit lacking, but I haven't even bought the land yet, so building the factory won't be that fast. The other two fast food restaurants and breakfast shops have a daily turnover of more than three thousand. The food factory has just signed contracts with two supermarkets. If we accumulate some resources, it should be about the same."

He Wenlin didn't mention a word about the loan with him.

This really worried Xiao Zheng.

Xiao Zheng hurriedly said, "Mr. He, how long are you going to keep saving money? How about this, I'll help you apply for the lowest annualized rate using my internal quota. You can also borrow some more from me, not 300,000, but 200,000. How about that?"

"this……"

He Wenlin was secretly overjoyed, but she didn't show it; instead, she hesitated.

"Actually, my parents don't approve of taking out a loan because the debt keeps them up at night. But since you've said so, I'll take out another loan. But you have to lower the interest rate, otherwise my parents and grandma definitely won't agree. This time, I had to use a lot of persuasion to convince them when I applied for the loan from the Construction Bank."

"Don't worry, I'll definitely give you the lowest price."

After hanging up the phone, He Wenlin smiled especially sweetly.

Xiao Zheng hurriedly went to find his boss.

Less than fifteen minutes later, Xiao Zheng called and asked He Wenlin and her family to come over for a talk.

In the past, mentioning these three words meant that Xiao Zheng still wanted to bargain.

He Wenlin refused, saying that she was busy at her shop and didn't have time until after 1:30 pm.

Eager to close the deal, Xiao Zheng and Xiao Zheng agreed to meet at 1:30 pm.

Hearing He Wenlin's voice on the phone, He's father was still a little scared: "They've already taken out so many loans, isn't that enough? The interest alone will add up to a lot every year."

"Dad, which business doesn't make money? Even Li Ka-shing owes the bank money."

Mr. He expressed his disbelief: "Those super-rich people need to borrow money? The bank is lying to you."

"The super-rich run big businesses and need a lot of working capital, so they definitely need to borrow money. Do you think banks make money? Do you think they make money from the interest on people's deposits?"

No, it's based on the interest from lending money out!

But it's not something you can lend to just anyone. Would it lend to ordinary people or regular workers?

When it lends money to someone, it also needs to assess that person's creditworthiness and ability to repay. The bank trusts I can repay, so you trust me too, OK?

Mr. He felt that He Wenlin's words made a lot of sense.

But when he thought about the hundreds of thousands in loans, the mortgage, and the car loan, he felt a chill.

"That's hundreds of thousands!" Mr. He exclaimed.

"Pressure is a motivator. You and Mom, we're family. If we work together and put our efforts into it, we'll live in a big villa, drive BMWs and Mercedes-Benzes, buy private jets, and yachts..."

Mr. He waved his hand: "Alright, alright, I'm afraid I'll be stuffed to death by your pancakes before I even get a seat in the car."

"Haha, how could this be wishful thinking? It will definitely come true!" He Wenlin laughed. "Once the loan is in hand, we'll go buy a motorcycle!"

When Mr. He heard about the motorcycle, his eyes lit up, but when he thought about how much debt his family had, he felt it was better not to buy the motorcycle.

"Forget it, it's too expensive."

"Buying a car is convenient for myself, since I'll be taking my mom and grandma around in the future. Wouldn't that be inconvenient? Buying a motorcycle would also make it easier to deposit money. I'm worried that if I take a taxi to the bank, the driver might ride it to the wrong place. Let's buy a new motorcycle, not a used one."

"Alright, let's buy one then, but a used one is fine, let's save some money."

"It's only a difference of a few thousand, there's no need to save money, just buy the new one!"

...

In the afternoon, He Wenlin went to the credit union with her father.

Xiao Zheng warmly welcomed them.

He Wenlin was right. Xiao Zheng's boss did try to negotiate, but because He's father didn't want a loan in the first place, he behaved very well. In the end, the credit union agreed to lend 200,000 yuan at an annualized interest rate of 12%.

Because my grandmother, who is a shareholder, is not here, the procedures cannot be completed today. We have arranged to complete the procedures tomorrow, but the loan will not be disbursed until next week.