Chapter 1860 Taking Advantage of the East Wind

As for Sister Zhao, she went straight to the bank; the merchants in Zhongguancun knew each other very well! They all belong to those who don't let the hawk know the rabbit, and others will not agree with the empty talk! Therefore, I want everyone to believe that you must put money in front of you; otherwise no one will buy it.

Sister Zhao has never doubted her husband's judgment; although she may not be very good at business, she can't even match her style and vision. And I know very well that even if Bao Zixuan had not come forward, Zhongguancun would have developed greatly; market size and sales cannot deceive people.

But she is destined to be disappointed. The major banks do not really recognize Sister Zhao's assets; even if they provide bank statements, they cannot impress her. I used to think that getting a loan of 10 million from a bank would not be a problem, but the reality was a slap in the face. The bank I often cooperated with was only willing to provide a loan of 5 million, which was only half of what I expected.

She had already boasted so much in front of her husband before; she must not let her guard down at the critical moment. Although Sister Zhao is not highly educated, she is also a resolute owner. Since the bank she cooperated with could not get approval, she naturally had to find another way.

The project was developed by Bao Zixuan, and I heard that Heiyun Bank had a good reputation; I just didn't have the opportunity to cooperate before, or I was a bit repelled by instinct.

Private banks have never been so safe; you must know that people have suffered greatly from it before. If it were not for petty gains, the Zhao family's family business would definitely not be what it is now.

There is currently no other way, and Heiyun Bank is Bao Zixuan's property; even if there was a problem with the bank's loans in the past, the losses would not be huge. With the mentality of giving it a try, Sister Zhao came to the Kyoto Branch of Heiyun Bank.

As soon as I entered, I felt very comfortable; at least in terms of decoration style, Heiyun Bank is much better than any domestic bank.

There was a dedicated service staff at the door, who smiled and said: "Hello, madam! Welcome to Heiyun Bank, we are happy to serve you!"

The service attitude is impeccable; Yuan Tianfan cares very much about customer experience, so he is very strict in the training and management of bank personnel.

The staff of Heiyun Bank want to get promoted; the prerequisite is that there are no customer complaints. Of course, any unreasonable troubles made by depositors will be investigated clearly; employees will never be asked to compromise and suffer even the slightest harm.

Sister Zhao was also flattered. She did not expect that the service attitude of Heiyun Bank would be so good; it was simply beyond imagination. There is no harm without comparison. It seems that Bao Zixuan understands what customers need.

The more capable a person is, the more low-key he is; he devotes himself to serving customers. Maybe this is the reason why he can become the richest man in the world.

It can only be said that Yuan Tianfan's contribution has been wiped out; after all, many people don't know the president of Heiyun Bank, who made the boss so famous; he completely concealed the sharpness of his subordinates!

Sister Zhao smiled and said: "Hello, little girl! I'm here to handle the loan business. I don't know what procedures are required."

The staff was surprised to hear that they were here to apply for loans; after all, in this era, not many people come to apply for loans; and even fewer people can find Heiyun Bank.

He looks well-dressed and has an extraordinary temperament, so he shouldn't be the one making trouble unreasonably.

The staff of Heiyun Bank smiled and said: "Madam, if it is a loan, we need to evaluate your assets; and then conduct a comprehensive analysis of the use of funds to determine the final amount."

It's reasonable. After all, if you want to get a loan from a bank, people must know something about your situation and what it is used for. They should also know.

Sister Zhao: "I have brought all the information. How do I need to handle it?"

It seemed that the other party was well prepared, and the staff took Sister Zhao directly to the asset appraisal room. Where is the most professional analyst who will make an overall assessment of Sister Zhao's assets? After the receptionist poured Sister Zhao a cup of coffee and introduced the relevant situation, she left directly.

After looking at the property and bank statements, the appraiser smiled and said, "Ms. Zhao, I want to know what you are going to do with the loan."

The usage of funds must be clear; in case of illegal and criminal activities, the bank must also bear the responsibility.

Sister Zhao: "Yesterday, Kyoto City staff came to the store to ask for opinions. Mr. Bao Zixuan of Heiyun Group wants to carry out an overall renovation of Zhongguancun; he hopes to move everyone out. Temporary stalls will be opened in the precision instrument factory for everyone to use."

"The compensation package is very good. Not only can it be replaced, but it can also be used to purchase part of the store. I want to expand the store business; I urgently need funds."

Hearing this, the appraiser immediately understood what it meant; it was no secret that the boss went to Zhongguancun yesterday.

I have been working in Heiyun Group for a long time, and my boss has no hobby of hanging out. Naturally, he is optimistic about the future development of Zhongguancun, which may also be an opportunity for Heiyun Bank.

Since entering the mainland, it has not been as good as expected; when people hear that it is a private bank, people instinctively reject it. With the help of Pudong development, Shanghai Branch's business volume increased rapidly. Kyoto Branch can fully leverage on Zhongguancun to develop this shareholder style so that depositors can have instinctive trust in the bank.

The asset appraiser said very seriously: "I'm very sorry to keep you waiting; according to the comprehensive evaluation, the maximum loan amount you can apply for with our bank is US$10 million."

"In addition, we can also apply for a US$100,000 credit card for you. You can use it when you go to Hong Kong or abroad in the future, and you can use it wherever credit cards are accepted."

When she heard that it was 10 million US dollars, Sister Zhao couldn't believe her ears.

Domestic banks are willing to lend up to 5 million Huaxia coins, but Black Cloud Bank is actually willing to lend 10 million US dollars. Isn’t the difference a bit big? You won’t encounter scammers!

But it doesn't look like it, after all, she took the money from the bank; the loss will definitely not be hers.

As for credit cards, I've heard of them before; but haven't used them. Most foreigners have a maximum limit of US$10,000. Is US$100,000 too much?

Sister Zhao said with excitement: "You are not mistaken!"

According to Sister Zhao's current asset analysis, a loan of US$3 million is already the limit; but considering that the boss wants to develop Zhongguancun, even if the loan is US$10 million, the bank does not have to worry about not being able to get it back. The shop is right there, and private transactions can be easily accomplished without going through the Heiyun Group.

In addition, it also means setting a benchmark and wanting to start business quickly; naturally, some measures must be taken. The identity of the other party is very suitable. He is a merchant in Zhongguancun, and his bank balance is very good. In addition, he also has several properties mortgaged. Once again, you don’t have to worry about purchasing products developed by Heiyun Group, even if you release a large amount.

The appraiser said very seriously: "Madam, I am a bank employee and I am talking to you on behalf of Heiyun Bank. Naturally, I will not joke about the bank's reputation. The limit of 10 million US dollars is a comprehensive consideration."

Sister Zhao was very embarrassed when she heard this; for such a big bank, the service is very professional, how could it be possible for her to be beaten?

As for bank interest, he didn't expect it; overall, it was very suitable.

Sister Zhao: "When will the loan be available soon?"

The appraiser smiled and said, "You can do it anytime if you need to."

"But I advise you not to use up the limit at once, otherwise you will have to pay a lot of interest."

"We will open a credit account for you with a total limit of 10 million U.S. dollars; then you can get your checkbook and all the payments you need to make can be paid through Black Cloud Bank."

"Anyone holding a check with endorsement will be released by the bank; it is guaranteed not to delay for a second. Interest will also be calculated based on the release time, which can save a lot."

Thinking about customers at all times is the service tenet of Heiyun Bank.

Sister Zhao thought for a moment and said, "What if I want to transfer the loan to another bank account!"

The appraiser smiled and said: "This is your freedom. The core principle of the bank is to serve customers well; besides, since interest has been earned, you cannot actively interfere in any decisions of customers."

Unexpectedly, there was such an operation. Sister Zhao was very satisfied; she said with a smile: "Then what procedures need to be completed?"

Appraiser: "Save the real estate certificate in the bank. Sales are prohibited during the loan period. You also need to fill out a few forms. It's very simple."

Black Cloud Bank will try to simplify procedures as much as possible to improve work efficiency to a certain extent.

After Sister Zhao left Heiyun Bank, her head was still a little dazed. If it weren't for the checkbook in my hand, I would have thought it was just a dream.

But the checkbook and the loan authorization contract are real; although I don't know why Black Cloud Bank is so optimistic about her. With food in hand, I don’t feel panic; I can actually implement it according to the original plan!