Chapter 242 Get the President

Kirilenko helped Feng Yu get a bank loan in Ukraine, no matter what, he couldn't avoid Brother Ke. It's just that Feng Yu could tell from Brother Ke's attitude that Brother Ke was not very happy with Feng Yu's choice, but he didn't show any obvious disgust. It should be that Kirilenko had talked with Brother Ke.

Feng Yu originally thought that meeting the president of the Bank of Ukraine must be at the bank, but Brother Ke's energy is so amazing that the president of the Bank of Ukraine came to Brother Ke's home.

"Feng, let me introduce you. This is Mr. Kovsky, the president of the Ukrainian branch of the Bank of the Soviet Union. Mr. Kovsky, this is Feng from China. He is my good friend in China."

"Mr. Feng, hello." Kefusky was not too surprised by Feng Yu's youth. He had seen a lot of the second generation of the Soviet Union, and thought that Feng Yu must also be the second generation of x in China, otherwise how could they be friends?

"Mr. Kowski, hello. I often hear them talking about you, and I just saw you for the first time today."

Feng Yu's Chinese-style greetings didn't help, and Kowski asked straight to the point: "I heard that Mr. Feng plans to borrow a sum of money from our Ukrainian bank. I don't know how much you plan to borrow, what kind of mortgage, or Who will vouch for you?"

In simple terms, loans are divided into mortgage loans and guaranteed loans, and others are illegal. Of course, it’s not that banks haven’t done illegal lending in a fair and aboveboard way. For example, Citibank in Hong Kong gave Li Chaoren’s elder and younger brother a loan of one billion Hong Kong dollars in a previous life, and the mortgage assets were even less than 100 million, and there was no guarantor.

However, Citibank still took the loan, and it was not worried that the other party would not be able to repay the loan. Just because this old man is Li Chaoren, they don't believe that Li Chaoren will watch the eldest son accused go to jail for a mere one billion Hong Kong dollars. Even if the bank doesn't win the lawsuit, Superman Li can't afford to lose that person.

Since other people can work in Citibank, Feng Yu believes that in the corrupt Soviet Union at this time, it will be even better.

"Mr. Kovsky, I want a loan of one hundred million rubles."

Kowski glanced at Feng Yu in surprise, and then at Brother Ke. He is here this time. It was just to give Brother Ke a face. He originally thought that Brother Ke's friend was just a loan of several million rubles. He never expected that this Huaxia man would borrow so much money!

One hundred million rubles, what is he going to do? If it wasn't at Brother Ke's house, he would have turned around and left just now. Do you know how much a hundred million rubles is?

"What do you take as collateral?" Kowski asked, frowning.

Feng Yu took out some documents that he had prepared long ago. Of course, these documents are photocopies, and the originals have long been mortgaged to ICBC in Bingcheng.

Of course, Kowski could understand the information in Russian, but he couldn't understand the asset certificate in Chinese. He just saw the figures calculated above, which were worth 180 million in total.

Hey, this person has so much money, so the loan is 100 million. Absolutely not a problem.

Wait a minute, this is Huaxia's document, the value of the assets on it, shouldn't it be measured in Huaxia's RMB?

If it's only 180 million RMB, then it's only 30 million rubles, which is far from 100 million rubles!

Generally, the mortgage loan amount of a bank is lower than the value of the mortgaged assets, because the risk of possible depreciation of the mortgaged assets must be considered.

With assets of more than 30 million rubles, he can give a loan of 30 million rubles. Even the highest

Still want to borrow 100 million?

"How many rubles are your assets worth?"

"Based on the exchange rate at this time, it's more than 30 million." Feng Yu replied seriously.

Kovsky stood up directly: "I think you have found the wrong person. With assets of more than 30 million yuan, without other guarantors, I cannot lend you a loan of 100 million rubles!"

Although Brother Ke's face is great, it is not so great that it is worth 70 million rubles. What's more, Brother Ke didn't mean to make a guarantee at all.

No guarantor, only so few assets. He would never loan that much to this Chinese man!

"Mr. Kovsky, don't worry. Look at this document. The number written on it is more than 180 million. As long as the reviewers relax a little bit, it will be passed?" Kirilenko said slowly. .

"What do you mean?" Kowski said angrily.

Kirilenko stretched out a slap: "Mr. Kovsky, you are so noble in this matter. I can make the decision for Feng and ask him to give you 500,000 rubles and deposit it in your overseas bank account. 500,000 rubles ah , how much is your annual salary?"

Although Kovsky is the president of the Ukrainian branch, his annual salary is only a little over 10,000 rubles, and 500,000 rubles is the sum of his salary for 40 to 50 years.

Seeing that Kovsky hesitated, Kirilenko continued: "And I can find someone to guarantee him, and I can also guarantee that he will repay the loan on time and will never default. Brother Ke and I can't believe it either?"

"500,000 rubles is too little. You borrowed at least 70 million rubles more to share with me? I want 7 million rubles!"

When Kowski came here, he thought that there must be a problem with the other party's loan, otherwise why would he invite him over and just go to the bank? But he didn't expect that the other party would want to borrow so much in violation of the regulations. He felt that the risk was too great, and he needed a sum of money to make himself feel at ease.

Feng Yu didn't say a word, Kirilenko continued: "Mr. Kovsky, seven million rubles, don't you think it's too much? We don't just take care of you alone, one million rubles. This money is enough for you to live comfortably."

Feng Yu thought to himself, if he saves one million rubles into US dollars, he may be able to live comfortably, but if he still saves rubles, he will definitely spend it in two years!

"At least five million."

"It's only one million. You have a risk, and we have a risk. I think what I paid you is enough, and people can't be too greedy. But if you still promise me one condition, I can decide to raise the price." Kiri Lianke held up a finger.

"What conditions?"

"My friend Feng wants to take out a loan for eight years, and the interest will be paid off together with the principal at the end of the eighth year."

"What do you mean, you want to repay the interest in the eighth year? This is impossible!" With such a large amount of loan, the interest is not repaid first, and he is also under great pressure.

"The interest rate can be a little higher than the standard rate, and I can give you two million rubles. Listen clearly, it's two million rubles. Once you get the loan, it will be credited into your account immediately!"

"That's not okay, it's against the rules."

"Three million rubles, this is the highest price I can give. You must know that the Soviet Union does not only have one Ukrainian branch." Kirilenko continued to attack.

Kowski's hand holding the cigar was trembling, and he was very hesitant. With three million rubles, his wife and children can have a better life, and all of this, as long as he is the president of the Ukrainian branch, will not be discovered, and he can even fall on others, his risk It is actually controllable.

Feng Yu waited patiently. He believed in Brother Ji. When giving gifts in the Soviet Union, Brother Ji was obviously more familiar with the "market price" than him!

Kowski put the cigar out in the ashtray and sat up straight: "Not for eight years, I can promise you six years at most."

Kirilenko looked at Feng Yu, who nodded.

"Okay, six years is six years, but the loan must be paid within one month!" Kirilenko said.

"If you can find a suitable guarantor, I guarantee that after the procedures are completed, the loan will be released within a week!"

Feng Yu clenched his fists and was very excited. The first loan seemed to be done! (To be continued.)

ps: Thank you Qianshangyi Liunian for the reward, and thank you for the monthly ticket of Guaiyunyufeitian. The father of the fourth child passed by Bingcheng in the afternoon and went back to his hometown. The fourth child originally planned to go back with him, but because of troubles during the Chinese New Year, he decided to postpone his return and write more, so as to ensure continuous updates during the Chinese New Year. The fourth one is fighting hard, everyone, don't give up on the fourth one.