Chapter 420 Da Fei's Usefulness

423. The use of Da Fei

"Sorry Ms. Zhang, our bank currently does not accept property mortgage business. Please contact other banks." The loan manager at Xiangjiang Jinda Bank shook his head and said that he was helpless.

Zhang Zhimei gave up completely. She visited several banks this morning, but they all gave her the same reply. They did not accept property mortgages for the time being.

The banks in Xiangjiang are not fools. Everyone knows that the housing prices in Xiangjiang are changing every day. Maybe the mortgage house you collected for 20 million today will be worth 10 million tomorrow, so no one dares to sell it.

They don't dare to buy even some luxury houses. It's a joke that if the subway in Xiangjiang is connected to the mainland of China, the housing prices here will only fall even more.

The Taipingding area, once known as the number one luxury residential area in Xiangjiang, is now seeing prices that have been slashed to the mid-point. Even if it is sold at half price, no one will take the offer.

The wealthy businessmen and families in mainland China are not stupid. Now Xiangjiang is selling land in a big way. There are places everywhere that can be used to build houses. Buy now?

Are you kidding me about being a money-giving boy?

"Sorry, Ms. Wang, we really can't help you with this. Your company's credit rating has been rated as "poor" by our headquarters. I'm really sorry."

As soon as Zhang Zhimei was about to leave, she saw a woman next to her looking at the salesperson of Zinda Bank with a troubled face.

"Manager Zhang, please, as long as our company can survive this period of time, we will repay the money on time as soon as our payment is recovered." Wang Xiuxiu said anxiously.

The man known as Manager Zhang shook his head and said, "I'm sorry, Ms. Wang. Judging from the evaluation given by the headquarters, it will be difficult for your company to apply for a loan for some time."

Only then did Zhang Zhimei realize that the other party was really an acquaintance.

"Xiuxiu, are you here to get a loan too?" Zhang Zhimei stepped forward and asked with sympathy, after all, she and the other party often appeared in Fatty Wang's movies before.

"Ah, it's you Zhizhi." Wang Xiuxiu was a little embarrassed to see an acquaintance. She had quit the entertainment industry and started doing business in her early years. However, a series of recent blows have put her company in danger.

Before the two of them could speak, a couple next to them caught their attention.

"Is there really nothing Mr. Wang can do? You know the reputation of our Guangshuo Electronics. The markets in Xinguo and Bangzi do not account for the majority of our company. Look, this is our company's development plan. We here The subprime loan is to expand the Chinese mainland market.”

"Sorry Mr. Shen, your company's current profit situation cannot support your company's continued loans. Your current debt ratio is too high, and our bank has also taken a lot of risks." Manager Wang looked at the couple and shook his head.

"Isn't that Qiu Zhen? Why did they also come to get a loan?" Wang Xiuxiu frowned and looked at the couple not far away and asked.

Zhang Zhimei was also murmuring in her heart. You must know that Qiu Zhen's husband is the boss of an IT company. He even came to get a loan this time?

What the two of them didn't know was that this Hong Kong crisis was not affecting artists alone. All outlets were greatly affected.

Because in the past, Hong Kong relied on Xin Guo, Bangzi Country, and Neon Country as its main export destinations. Hong Kong merchants, who had always had a high self-esteem, rarely opened up the market to the mainland of China. In the reshuffle of Bangzi Country, these businessmen are the "victims".

The market that originally belonged to them was occupied by American companies overnight, not to mention that China is now soaring, and China's exports are also increasing.

So this group of Xiangjiang businessmen who were "sitting in the well and looking at the sky" discovered that something was wrong. It was too late. Their capital chain had begun to break, and many companies were already in danger.

This year, more than 90% of the market that originally belonged to Xiangjiang merchants was captured by merchants from mainland China and American consortiums, leaving less than 10% of their share.

Even if it is just 10%, it is a cake that all Xiangjiang businessmen need to share together. Small companies have no choice but to file for bankruptcy.

However, those Xiangjiang businessmen who have the vision to invest in mainland China can be said to be making a lot of money at the moment. This time China's economy has officially taken off.

"Ms. Wang, Ms. Zhang, I personally suggest that you find a private bridge company, but their interest rates are much higher than our bank." Manager Zhang suggested looking at the two "has-been" artists in front of him.

"How high?" Wang Xiuxiu asked anxiously.

Manager Zhang thought for a while and sighed: "Their lowest annual interest rate is 3 cents and 6 cents. If the amount is small, it's okay. If it's a large amount, I suggest you don't touch it if you can."

"36% is so high?" Zhang Zhimei and Wang Xiuxiu frowned and asked in surprise.

The bridge companies here in Xiangjiang can be said to be legal "anti-aircraft guns". The law stipulates that private interest loans not exceeding 36% are legal.

Although it doesn't look like much on the surface, taking Wang Xiuxiu, who needs 80 million in turnover, as an example, she has to pay 28 million in interest per year, which is no joke.

If she defaults for more than one month, the principal will become 80 million plus 28 million for a total of 180 million. This is the "terror" of private bridge funds.

But now the two of them have no way out. Wang Xiuxiu wants to take a chance. If she can revitalize the company, she secretly calculated that if everything goes well, she can get more than 70 million in a year, and it is estimated that it can be settled in the second year after paying the interest.

However, Zhang Zhimei is entangled in her heart. She is now in a stage where she has no movies to shoot. If she borrows 300 million, the interest will be 100 million a year, not to mention what she can use to pay it back now?

If she doesn't borrow, all her assets will be frozen if the company and the brand sue her. At that time, she won't have a chance to even go to the mall to walk a show.

Looking at the entangled expressions of the two women, Manager Zhang "enthusiastically" handed out a business card and introduced: "If you have considered it, you can call this bridge company."

The reason why he is so "enthusiastic" is due to Dafei's "wisdom". Dafei knows that some people cannot apply for bank loans for various reasons. Even if they are illegal, Dafei is confident to lend money.

So he sent different business cards to managers of different banks. As long as they were introduced by the other party, they could charge one month's interest on the bridge funds, which was already a "windfall".

So more than 99% of the banks in Hong Kong have cooperation with Dafei. After all, everyone wins together. The most important thing is that this thing is a "serious business".

This is why Dafei's followers can be spread all over Hong Kong. As long as you come to borrow money from Dafei, he is not afraid that you will not pay it back.