Xie An casually said a few words, then suddenly noticed that Chen Jing's expression was a bit strange. Was he happy or unhappy?
He patted Chen Jing on the shoulder: "What's wrong? Why are you suddenly asking about this?"
Chen Jing snapped out of his reverie and rubbed his face, which was a little pale from the cold: "No, I just remembered that piece of land you mentioned a few days ago. Could we go take a look? How much does that piece of land cost?"
"You're really buying land?"
Xie An responded, and couldn't help but wonder, "This bastard, he just follows them around all day, occasionally checking out the clothing stalls on a few streets, and he's making money faster than water."
Having only been in Beijing for four or five months, he not only spent 50,000 yuan to expand the factory through cooperation, but also spent tens of thousands of yuan on land on his own.
Just then, Chen Jing rubbed his face helplessly: "Not only do I want to ask about the land, but I also want to ask if there's any way I can have a chat with the bank manager?"
Xie An couldn't help but become suspicious upon hearing this: "Looking for the bank manager? You have another project? What kind of money-making project is it? Brother, don't forget about us, your group of brothers?"
"No, you're overthinking it. I was just wondering if I could get a loan of tens of thousands of yuan from the bank if I used some old items as collateral?"
He looked up, his face full of helplessness: "You know, I've only been in Beijing for a few months, and the 50,000 yuan has already emptied our working capital. The workshop needs to buy clothes from textile factories, which requires working capital, right? And we also need to buy land!"
Hearing that he needed to take out a mortgage loan and borrow money from a bank, Xie An's mood actually improved considerably.
He said that a person from the countryside who comes to the city can work in Beijing for a few months and seem to have struck gold, able to have as much as he wants.
In fact, the money they earn is not endless. Tens of thousands of yuan is all they have. If they have any more expenses, they have to find a way to make money.
Xie An chuckled and said, "Actually, we don't necessarily have to buy that piece of land. We can rent it for twenty or thirty years and build factories on it. That can reduce the cost."
Chen Jing waved his hand: "No need, I don't like renting, it doesn't feel secure. I'm used to buying land or houses, having a land deed, and then I can do whatever I want with it."
He had actually discussed this issue with Ji Xia, but Ji Xia repeatedly emphasized that urban development needed to expand, and with land available, there would be opportunities for demolition and relocation.
He had also seen demolitions and land rentals in his dreams. Over the decades, it would cost tens of thousands of yuan. It would be better to just buy the land directly. If there were demolitions, not only would there be no loss, but he might even make a fortune.
Seeing his determination, Xie An gave up trying to persuade him.
Well, since Chen Jing has made up his mind, he has done his duty as a friend, and he won't worry about anything else.
Xie An indeed had many connections. That afternoon, he took Chen Jing to the Xicheng District branch of the China Construction Bank to find the person in charge.
The branch's lobby manager happened to know Xie An and immediately came to greet him upon seeing him.
"Comrade Xie is here. Are you here to deposit money today? We—"
“We don’t want to deposit money, we just need to talk to your branch manager. Is he in today? Tell him we’re looking for him.”
Upon hearing this, the lobby manager quickly and respectfully agreed, glanced at the antique-looking small box in Chen Jing's hand, smiled, and turned to leave.
A moment later, the lobby manager came out with a smile: "Comrades, our President Luo is in his office. Please come in."
Chen Jing, carrying a heavy suitcase, followed Xie An and the lobby manager through a side passage into the bank's largest office.
President Luo was a middle-aged man with a receding hairline and a slightly protruding belly. He had a big smile on his face, just like the God of Wealth in a New Year's painting.
Upon seeing Xie An and Chen Jing, he warmly shook hands with them, invited them to sit down at the coffee table, and poured them a cup of tea.
"Comrade Xie, is there any business you need to conduct by coming to our bank today?"
At that time, the banks were not under obvious pressure to perform. Residents generally made small deposits and withdrawals. Large deposits, withdrawals and loans were associated with large factories or state-owned enterprises. He couldn't understand why Xie Sanshao from Beijing had approached him.
Xie An glanced at Chen Jing and chuckled softly, "It's nothing serious, it's just that my friend is a little short on funds lately. I heard that banks offer loan services, is that right? What procedures are required if we want to apply for a loan?"
"loan?"
Upon hearing this, President Luo looked at Chen Jing with surprise: "Our loans are generally for state-owned enterprises and manufacturing plants; personal loan procedures are very complicated."
It's not just a little troublesome, because they generally don't lend to individuals for fear of not being able to collect the money.
Chen Jing smiled and said, "President Luo, what procedures are required? Could you please give me some pointers?"
Seeing his insistence, Bank Manager Luo pondered for a moment: "How much do you want to borrow? Is there any collateral? Do you have a household registration or property in Beijing? What is this loan intended for...?"
He asked a whole bunch of questions, and Chen Jing pulled out his documents as he spoke: "This is my household registration book, my property ownership certificate, the three-courtyard siheyuan (traditional courtyard house) in Jinyu Hutong, and—"
He carried a box of large yellow croakers onto the coffee table: "This box is my fiancée's dowry, passed down from my ancestors, and it weighs about ten pounds."
Chen Jing has investigated the recent gold price in the market. Since the end of last year, the gold price has been rising all the way up, from five yuan per gram a few years ago to eleven or twelve yuan now.
At market price, ten catties of gold would be worth about fifty to sixty thousand yuan, which is exactly the amount he planned to borrow.
In other words, he temporarily deposited the box in the bank and then exchanged it for a sum of money.
When President Luo heard that there was a box of gold weighing ten pounds, he was startled and immediately asked him to open it for inspection.
When Chen Jing opened the box, Xie An's eyes widened in surprise.
Although he was called the Third Young Master, he had never actually seen so many large yellow croakers.
This is Chen Jing's fiancée's dowry. This man is incredibly lucky; not only is his fiancée knowledgeable and capable, but she also comes with a gold mine of her own.
He patted Chen Jing on the shoulder with envy: "I don't even want to talk about how envious I am. You have to treat me to a good meal when we get back."
"Of course, no problem."
Chen Jing curled his lips into a smile, meeting President Luo's earnest gaze: "President Luo, what do you think? Can we use these gold bars as collateral for a loan?"
When talking about work, Director Luo very seriously took out a box of large yellow croakers, pinched the surface of the croakers, and then put them back into the box one by one.
"Have you confirmed the weight of this box of large yellow croakers?"
Each large yellow croaker weighs 100 grams, so fifty of them would weigh 5 kilograms, which is exactly 10 jin (5 kg).
He just touched them one by one to make sure that each one was genuine.
He sighed, closed the box, and wiped his hands with a handkerchief: "Actually, you can exchange this box of large yellow croakers for gold. Today's gold price is ten dollars and eighty cents, so you can get fifty-four thousand."
Chen Jing shook his head: "No, this is my fiancée's dowry. We can only take out a loan and will repay it in installments, but we still need the big yellow croaker."
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