Chapter 145 Loan 1
"What should I do? How about I ask my parents if they don't have any savings and help them out first? If that's not possible, can you keep the jewelry for me and pawn some of it?" Su Tao said nervously.
"No, those jewelry can't be pawned. You keep them. Besides, without a special occasion and the right seller, you won't be able to sell them for a good price. I have a solution. I'm not talking about a loan, but I'm going to ask the bank's credit department first." He Chuan firmly interrupted Su Tao's suggestion. The jewelry was his mother's legacy, and he wouldn't touch it unless it was the last minute. He had already given it to Su Tao, so if Su Tao needed money urgently, he could give it to him, but he wouldn't touch it again.
"Well, I'll go to the bank with you tomorrow to ask first. If it really doesn't work, we can think of other ways." Su Tao said understandingly.
"Yeah," He Chuan replied gravely. It wasn't that he hadn't considered asking his uncle for a loan, but the amount was too large. If he did, it would involve him too deeply, and he was afraid it would have a negative impact on his uncle. If his enemies found an opportunity and accused him of collusion between officials and businessmen, or of using public power for personal gain, the consequences would be more than they would gain.
He Chuan quickly cleaned up the dishes and washed them, while Su Tao cleaned up the garbage on the table and the floor.
After taking a shower, they lay on the bed and fell asleep in each other's arms.
The next morning, the two of them got up early. He Chuan took the certificate issued by Director Hu and took the bus to the People's Bank of China in the city center.
The two consulted the counter staff and came to the credit department, and handed the certificate to the credit department staff.
"Please wait a moment, I need to consult our director." The staff member said politely.
Regarding the support loans for registered private enterprises, this is still an emerging business and he is not particularly clear about it and needs to consult his superiors.
Su Tao and He Chuan sat in the reception chair and waited for a while before a staff member came out from the office next door, followed by a middle-aged man in a Zhongshan suit and gold-rimmed glasses.
"Hello, I'm Director Yu from the Credit Department. I've seen your credentials. You want to apply for a loan, right?" Director Yu said with a smile, his tone calm and gentle, giving people a sense of trust.
"Yes, I would like to ask what procedures are required, how much can I borrow at most, and what is the repayment interest rate?" He Chuan asked seriously.
"The only formalities are the proof you just gave and your identity card. I have the permission to lend you 10,000 yuan, and the interest rate is %." Director Yu said slowly.
He Chuan frowned when he heard this and said nothing.
"What? Do you think the loan interest rate is too high? You should know that this is already a preferential policy of the country. Normally our interest rate is 14% to 15%." Director Yu saw He Chuan frowning and remaining silent, and thought that He Chuan was hesitant because he felt that the repayment interest rate was too high.
"That's not the case. I have no objection to the loan interest rate. But can the loan amount be a little larger? I'm planning to open a transportation company, and this amount is far from enough." He Chuan looked up at Director Yu and told him about his difficulties.
A transportation company? That's a truly massive project, and the original letter of support didn't specify what it was for. Director Yu was silent for a moment, internally weighing the risks and benefits.
He Chuan and Su Tao waited quietly without urging anyone.
After a long pause, Director Yu raised his head and said sternly, "As a matter of course, 10,000 yuan is the upper limit of your loan. While we have a policy, our bank also needs to weigh investment risk and returns. So, if you can provide some valuable items or real estate as collateral, I can increase your loan limit."
"Hey, then I'll come back in the afternoon." He Chuan's expression brightened up when he heard this. His uncle had already given him the title deed of the courtyard house on the day they had dinner. He could use the title deed of the courtyard house as collateral. He didn't know how much more money he could borrow.
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