Chapter 822 Loan Agreement
"I'll give you two minutes to think it over." Bo Jinyan's gaze was fixed on him, as if he had already sensed that he was wavering. His tone carried a faint threat: "If you don't agree in two minutes, then we don't need to talk anymore."
Sang Ruo, standing to the side, first looked at Xu Chen, then at Bo Jinyan standing beside her, a faint look of doubt in her eyes.
Xu Chen being broke was already shocking enough to her, but she never expected that A Yan would actually want to make a deal with him.
And what they really want is shares in Lu's Bank?
The value of shares in Lu's Bank is different from that of shares in a listed company. Bank shares are much less risky than company shares, and the equity structure is more complex.
Although she didn't study economics, she had spent so much time with Bo Jinyan that she had some understanding of the differences between these shares and knew the stakes involved.
"Time's up." Bo Jinyan glanced at the time on his watch before turning his gaze back to him: "What's your decision?"
Xu Chen bit his lip lightly, seemingly conflicted, but under Bo Jinyan's intense gaze, he gritted his teeth and decided to agree immediately: "Okay, cousin, I agree."
"However, you have to lend me the money first, otherwise I won't be able to go back to the United States to handle these equity transfer procedures."
Bo Jinyan lowered his eyelids and remained silent for a moment before raising his eyes again: "How much do you want to borrow?"
“This number.” Xu Chen held up five fingers.
"Fifty million?"
Xu Chen shook his head: "No, five million."
"However, cousin, if you're willing to lend me fifty million, I won't refuse. After all... who would complain about having too much money?"
Upon hearing this, Bo Jinyan chuckled softly, "You're quite greedy..."
“You said five million, then it’s five million. I’ll give you five hundred thousand first so you can go back to the US to handle the relevant transfer procedures. The rest, I’ll give to you all at once when you come to me with the equity transfer agreement.”
He originally wanted to give him one million first, but he didn't really trust Xu Chen's personal credibility, so he could only give him one-tenth first.
To prevent him from suddenly changing his attitude.
Upon hearing this, Xu Chen's tone was slightly dissatisfied: "Cousin, why are you only willing to give me 500,000? Can't you give me 1 million first?"
He had never seen anyone as stingy as him.
They wouldn't even give him a round number!
“Given your current state, if I give you a million, what if you desert at the last minute? Where would I find you?” Bo Jinyan asked calmly. “So I’ll give you one-tenth first, as a guarantee fee.”
Even if you go to a bank for a loan, you still need a guarantor.
Now Xu Chen wants to lend him five million. What if he only gives him one million and then runs away at the last minute? Wouldn't he be left with a huge loss?
He also has to consider the safety of his investments.
Xu Chen was speechless and could only nod in agreement.
Both parties agreed, and Bo Jinyan immediately called his lawyer to come over and draft the loan agreement. When the lawyer handed him the loan agreement, Xu Chen was still somewhat dazed.
"Mr. Xu, you only need to sign your name in the lower right corner, and this agreement will be effective."
Xu Chen held the pen in his hand, hesitating for a moment, but thinking of his current situation, he lowered his eyes and signed his name in the lower right corner.
The loan agreement was made in triplicate, with one copy for the lawyer, and one copy each for Bo Jinyan and Xu Chen.
After all the agreements were signed, Bo Jinyan took out his checkbook, wrote a check for 500,000, and handed it to him: "This is a check for 500,000. It can cover two round trips to the United States. Don't run away at the last minute."
"Cousin, don't worry, I won't."
After saying that, he took the check and turned to leave.
Sang Ruo was stunned. Only after his figure completely disappeared from her sight did she ask him, "Ayan, are you really going to lend him the money like this? Aren't you afraid he'll run off with the 500,000?"
After all, the Xu family has already immigrated and settled overseas, and their roots abroad have been almost completely transferred. Why would he be willing to believe him?
“I’m not afraid.” Bo Jinyan casually tossed the pen onto the coffee table before turning his gaze away. “Xiao Ruo, look at his current situation. In the entire capital, besides me, who else is willing to lend him money?”
"So in order to get those five million, he will do everything in his power to meet my needs."
Sang Ruo was increasingly confused by him: "If you knew he was desperate for money, why did you agree to lend him this money? And why did you even ask for shares in Lu's Bank?"
This is what puzzled her the most.
What does he want Lu's Bank shares for? He has considerable assets overseas and is not short of money at all, so why does he need to reach so far?
Moreover, this incident clearly occurred because the couple had a disagreement.
She originally thought he would refuse like she did, but who knew he would actually lend her the money?
"Xiao Ruo, just wait and see about the shares. You'll understand my intentions then." Bo Jinyan didn't tell her directly, but instead kept her in suspense: "Right now, things haven't succeeded yet, so even I can't make any rash conclusions."
There are too many variables now, so it's really not wise to draw conclusions easily.
Hearing this, Sang Ruo was even more puzzled: "I don't know what you're up to, but this matter was clearly caused by a fight between the couple. Even Uncle Lu didn't get involved, so why are you interfering? Have you forgotten the agreement we made with Uncle Lu?"
Back when Lu Nanchu was hospitalized, Bo Jinyan had personally promised Lu Jinan that once he was discharged, he would completely stop interfering in their affairs.
Has he forgotten the promise he made?
“I haven’t forgotten.” It was precisely because Bo Jinyan hadn’t forgotten that this scene unfolded: “Xiao Ruo, I know you’re worried about Nan Chu, but don’t worry, I won’t hurt her.”
His target was only Xu Chen.
"I want Xu Chen to taste the bitter fruit of his evil deeds! Let's see if he dares to meddle in other people's business again!"
This is a golden opportunity to strike him down, how could he possibly let it slip by?
Sang Ruo shook her head, sighed softly, buried her head in his chest, and said in a muffled voice, "Ayan, I don't want you to interfere in their affairs. I'm afraid Uncle Lu will find out and cause us trouble again."
"Everything we did for Nan Chu before was to repay her for saving our lives. Even Nan Chu herself said that we had done enough for her and there was no need to do anything more, so... let's just leave it at that, okay?"
She was afraid that if they continued to get involved, things would get out of control.
It will be even harder to handle then.
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