Chapter 1512 - 1499: Has This Beautiful Big Sister Been Exposed?

Chapter 1512: Chapter 1499: Has This Beautiful Big Sister Been Exposed?

He chuckled inwardly.

This beautiful big sister has exposed herself.

The thoughts of this beautiful big sister are on a simple level, without thinking deeper.

On the surface, Tangya revealed the situation through refrigerated soda water and steaming brown sugar water.

Even if the situation she reveals is false.

But she demonstrated an attitude.

This attitude was also exposed, showing Tangya was thinking in that direction.

If Tangya wasn’t thinking about it this way, why would she actively use ice soda water and steaming brown sugar water to draw comparisons and make hints?

Therefore, Luofeng chuckled inwardly, as Tangya finally exposed her thoughts.

But?

This time the answer was a rejection.

What about next time?

Actually, Luofeng was quite conflicted, but now it seemed more appropriate to leave the choice to Tangya.

After all, Luofeng was a good man.

The principle of a good man is not to take initiative, nor reject, won’t take responsibility, and won’t remember.

Luofeng picked up the soda water, opened the cap, drank a sip, and then put it on the table in front, next to Tangya’s brown sugar water.

This indicated he understood Tangya’s hint.

Luofeng proactively stated, "Auntie, what about these loan application materials, what is the situation?"

Tangya saw Luofeng put the refrigerated soda water next to the brown sugar water; the steaming brown sugar water and the soda water bottle that still had frost outside formed a sharp contrast. She said, "More or less there are some problems, mainly the risk of bad debts is just too high!"

"Well then, let’s wait for our Jiamei Company’s project over at Qili Bay!" Luofeng said casually.

"By the way, Auntie, how much is your KPI short?" Luofeng inquired.

Tangya felt a bit embarrassed, "Jiamei should not be short of funds, right?"

"Theoretically, it shouldn’t be short of funds!" Luofeng said honestly.

Sometimes, an honest answer is a better choice.

"But, Auntie has a KPI task, and our Jiamei can acquire funds from other channels, so finding your bank is the same!" Luofeng stated, "After all, we both know, capital money has many uses; capital mostly needs cash flow. For example, this project requires $100, but we have $100 in hand, we can use this $100 to do other things, and Jiamei’s project can be borrowed from your bank. It’s just a matter of paying interest, but if the project we invest with this $100 far exceeds the bank interest, aren’t we gaining?"

This is capital.

They are never afraid of too much cash flow.

As long as you lend him money.

No matter how much, he will take it.

Tangya understood Luofeng’s meaning, but her heart was also warmed.

Although what Luofeng said made sense, if not for the relationship between Luofeng and Bai Ningbing, why would Luofeng approach their bank for a loan? Even if he approached their bank, why let Tangya handle such a loan project?

"Auntie, how much task are you short on now?" Luofeng asked again.

Last time, the bank lent to Jiamei Company at a very low interest rate.

It might sound like the bank was losing money.

But in reality, the bank did not lose money.

Because the bank has the ability to allocate funds, they have a large amount of demand deposits at hand.

The interest on these deposits can be ignored.

And these demand deposits can be lent to Jiamei Company.

In this situation, aren’t they making money?

Mainly, Jiamei Company is such that it wouldn’t result in bad debts, and its reputation is very good.

So their bank is willing to use low interest rates to acquire Jiamei Company’s business.

Although the bank is indeed making money, Tangya can hardly make money in such a business situation, after all, the interest rate is just too low.

"What is your bank’s standard loan interest rate now?" Luofeng inquired.

"It’s 4.35 for one year, 4.75 for one to three years, three to five years, the difficulty of review is different!" Tangya said.

"If it’s over five years, the loan interest starts at 4.9, and the review will be very strict, the inspection and review of collateral will also be strict." Tangya continued.

Luofeng nodded slightly, once again asked, "If the standard loan interest rate is followed, how much task are you short on now?"

Faced with Luofeng’s third inquiry, Tangya did not hide and said, "If it’s at standard interest rate, about 60 million short of task!"

Tangya continued, "Mainly it’s a loan review issue, some projects are obviously scams, completely treating the bank as a fool!"

"What about the loan duration?" Luofeng said.

"No restrictions, whether six months or more than five years, all can be done, the only requirement is stability to prevent bad debts!"

The bank’s main concern with housing loans is not about earning more or less.

Anyway, it’s all profit.

But if bad debts occur, it results in a real loss, and it’s a bloody loss.

If they can’t repay, isn’t it a bloody loss?

Luofeng said with a smile, "Then our Jiamei will loan one billion on the Qili Bay project, one year term, calculated at standard loan interest rate!"

Tangya frowned but rejected saying, "Your Jiamei can get more favorable loan conditions!"

"But the favorable conditions can’t help Auntie, right?" Luofeng smiled looking at Tangya.

Faced with Luofeng’s sincere answer.

And that sincere gaze.

Tangya’s face began to blush.

She bowed her head and said nothing, as she really didn’t know how to respond.

For Tangya, Luofeng’s words just now were very appealing.

The strong aura revealed in a casual tone filled Tangya’s heart with Good feeling.

"Auntie, tomorrow when you go to work, I’ll come by to sign the contract!" Luofeng directly decided on this matter, completely not giving Tangya a chance to refute.

For Luofeng.

It’s just going to loan one billion.

Even if the interest is slightly higher.

But it’s a small matter.

Luofeng understands people’s hearts, thinking from Tangya’s perspective, for Tangya, she could only refute or it would seem like she is scheming for money.

So Luofeng directly deciding is the best choice to spare Tangya from being in a difficult position.

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