Chapter 146 Loan 2
Cars were not yet commonplace, so although their bank had its own car, it was usually not their turn to use it unless it was a major transaction or for someone at the president's level. When they went out to inspect business, they usually took the bus or walked.
The three of them took a car and walked for a while to Hechuan's courtyard. Hechuan opened the door and led the staff in. They found that Su Tao had already arrived and was sitting in the hall reading a book.
Su Tao heard the noise and put down his book and walked over, "You're here."
"Well, bring the bank staff to inspect the house and do an appraisal." He Chuan nodded.
Su Tao looked at the two staff members who had just received them that day and Director Yu. Su Tao smiled and said, "You can look around."
Staff members randomly pulled a pile of forms from their briefcases and filled them out as they went. Director Yu, on the other hand, pulled out a portable camera and took photos of the courtyard.
After half an hour, the inspection and valuation were finally completed.
The four of them were sitting around the eight-immortal table in the living room. Director Yu spoke first, "Your house is in good condition. The estimated value is higher than our original estimate, perhaps up to 8,000 yuan. Your furniture is also quite good. If you mortgage the furniture as well, I can arrange a loan of 10,000 yuan for you. What do you think?"
Su Tao looked at Director Yu with amusement. Their family had made a good deal on their furniture, having just bought it for over 2,000 yuan. From Director Yu's tone, it was as if giving them an extra 2,000 yuan was a great bargain for Su Tao and his friends.
Director Yu felt a little uncomfortable with Su Tao's teasing look and turned his head away. He pretended to have a sore throat and drank a few sips of tea.
He Chuan also knew that the bank would definitely add a premium. It was impossible for them to lend you as much as your house was worth. Generally, the loan amount would be less than the value of your mortgaged property.
"No problem, let's do as you say and go through the formalities." He Chuan took charge and said. Anyway, he was only mortgaging the house temporarily and was not planning to sell it to the bank.
"Okay, then please sign these documents and leave your bank passbook account information. It turns out that the policy supports a loan of 10,000 yuan and a mortgage loan of 10,000 yuan, which together is 20,000 yuan. It will be transferred to your account within 3 working days." Director Yu quickly pushed the document on the desk over for He Chuan to sign.
He Chuan was not in a hurry to sign. He went through the contents of the contract item by item in detail, and only signed his name solemnly after confirming that there were no problems.
Each document was in duplicate. Director Yu took the documents back, stamped them with the bank's official seal, and returned one copy to He Chuan, saying, "Keep this one safe."
"Then we'll leave." Director Yu and the staff said goodbye to He Chuan Su Tao and left.
He Chuan looked at the items in his hand and calculated: with the 20,000 yuan, his total assets would reach 35,000 yuan. After deducting the 8,000 yuan cost of purchasing the factory building, there would still be 27,000 yuan left. Even if he brought in Jiang Dashi and chipped in another 10,000 yuan, the total would still be 37,000 yuan.
The trucks were expected to cost around 10,000 yuan each, and he only had enough money to buy three. Three trucks were not enough for a transportation company to operate, so he planned to buy at least five trucks, which still left him with a gap of 20,000 yuan.
He Chuan tightened his grip on the item, his pupils flashing with a strange light. It seemed that some debts had to be collected in advance. Some people were living too comfortably.
"What's wrong?" Su Tao saw that He Chuan looked a little strange, so he walked over and asked with concern.
"No, have you sorted out the business of your shop?" He Chuan asked, hugging Su Tao.
"Well, it's done. I'll show it to you." Su Tao broke free from the man's arms and excitedly rushed into the room to take out the house deed.
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