Section 474

She comforted herself like this.

Su Yang felt a little funny when he sat in the car.

He would not care if his secretary was a little scheming.

If the secretary around him was really naive, he would be worried!

The next day, the bank went to see Su Yang's villa and gave an estimated price of 240 million.

"Mr. Su, the location and decoration of this villa are actually quite good, and it is relatively scarce. The market value can be estimated to be 270 million, but we can't mess around!" Tian Hanxiong also explained to Su Yang, "After all, you sold it for 240 million, and our bank's valuation is conservative!"

"I understand!"

Su Yang was mentally prepared.

"Speaking of which, Mr. Su must have picked up a bargain when buying a villa!" Tian Hanxiong said with a smile, "The location and area of ​​your villa should have been one of the top buildings in Luhu single-family villas. The market price at that time should have been 150 million."

"I know!"

Yang Jingshan also mentioned this matter.

Su Yang asked in a deep voice: "How much can your bank lend?"

"At most 170 million!" Tian Hanxiong whispered, "This is a mortgage loan based on 70% of the villa price. Many domestic banks will not use 70%, but mostly 50% or 60%. In addition, your company's bank flow must meet the requirements and be approved by our superiors. However, with Mr. Su's strength, it should not be a big problem!"

It is very difficult to get a mortgage loan for a luxury house worth hundreds of millions, because luxury houses are difficult to sell!

Even though the current luxury house market is still very active and has an upward trend.

Therefore, the mortgagor is best to be an operator and have an entity operating company.

For a loan of 100 million, the company's annual public account flow must not be less than 150 million.

With the strength of Jufan Holdings, Tian Hanxiong estimated that there would be no problem, but the flow of Jiuxiang Catering is very good!

Su Yang smiled and said, "Then try your best to help me!"

He spent 120 million to buy a villa with a 50% discount home purchase card, and ended up mortgaging the villa to borrow 170 million from the bank.

It feels like earning 50 million!

Tian Hanxiong said with a smile: "I will do my best, but you have to cooperate with me!"

"That's definitely no problem!" Su Yang thought for a while and asked again, "Can the interest be paid first and the principal later? Like Yanhu Vocational School!"

His advantage will become greater and greater with the growth of time. In the early stage, the less capital can be used, the less it will be used!

So the interest first and the principal later is his best choice.

Time is always on his side.

"Okay!"

"How about ten years?"

"Mr. Su, it's not easy to do the interest first and the principal later for too long now. Three years is probably okay!" Tian Hanxiong explained seriously, "If the time is too long, the variables are too large, and the bank is at risk."

"Three years is also okay, how much interest?"

Su Yang was a little helpless. Why can Dongcheng Group do it, but he can't?

And he heard that companies in some areas can use 15 houses to loan out 1.5 billion...

He only borrowed 170 million, so it shouldn't be blocked, right?

He is a conscientious entrepreneur and will not not pay back the money!

"The interest rate is higher if the interest is paid first and the principal is paid later. 4% should be fine for three years!" Tian Hanxiong calculated in his mind and said, "About 570,000 yuan in interest per month!"

Su Yang asked with a smile, "More than 20 million yuan in interest for three years?"

Tian Hanxiong laughed and said, "Boss Su is really good at mental arithmetic. It's probably like this!"

"Okay!" Su Yang said with a smile, "By the way, help me ask your leader if he is free..."

Chapter 370 The end of the year is approaching! My cousin wants to bring his girlfriend home!

"I'll mention it to our leader!"

"That's good!" Su Yang said with a smile, "Come on, Lao Tian. It doesn't matter if it can't be done!"

"Why?"

Tian Hanxiong asked in confusion.

"I can also ask other banks!"

"Boss Su, don't!"

"..."

After the loan was roughly settled, Su Yang handed the rest of the work to Guo Xueqin, who was responsible for connecting with the bank!

Recently, the head office of Jufan Holdings has expanded greatly, mainly with the legal team and the financial members under Guo Xueqin.

Except for a few young employees, the rest are elite soldiers recruited by Su Yang himself.

After all, he always likes to acquire other companies, and Su Yang doesn't want to overwhelm Director Guo.

Sitting in the office, Su Yang called Dong Zengjie and asked him to investigate the rumors within the company.

Then he took out the product production formulas and process flows of Chuanhe and Shuxiang.

Comparing the raw materials and ingredients in the formulas, as well as the process flows, he made some slight modifications, such as using better quality raw materials, such as adding ten minutes of boiling time...

Thinking of the more than 100 million that might come, he gave orders to several general managers of his companies!

Let Jiuxiang Food General Manager Tan Yanghong follow up on the red wine and tea companies.

Let Xinghuo Media Yu Siying contact film and television production companies.

Let Xinghuo Fitness Yi Jiangang contact those domestic chain gyms and ask if there are any willing to sell directly.

Acquiring and restructuring one by one is indeed a bit too troublesome!

The executives who received Su Yang's call were all helpless.

But thinking of the year-end bonus that had just been issued, they could accept it again!

The expansion of the company would also be good for them. After all, they might become the general manager of a group company someday!

In the afternoon, he met Chen Tianxing and Yu Chengjun.

After Su Yang introduced himself with a smile, both of them were a little surprised. They didn't expect the boss to be so young!

During their interview yesterday, they thought Su Yang was HR!

But after being surprised, they quickly calmed down.

Being able to defeat more than 700 strong applicants, their psychological quality is stronger than ordinary people!

Su Yang briefly chatted with the two of them, mainly to understand their backgrounds.

Both of them answered Su Yang's questions quite frankly!

Chen Tianxing has excelled in studies since he was a child. His family is engaged in securities finance, but his level is not very high.

Originally, his family arranged for him to work in finance, but he has recently encountered a financial crisis.

In addition, Chen Tianxing was not interested in finance, so by chance, he applied for this position.

He feels that the position of secretary has a bright future!

In comparison, Yu Chengjun's background is relatively ordinary.

My family is a native of Rongcheng, and my parents are ordinary working-class people.

But she performed well in school, was the vice-president of the student union, and organized and participated in many activities... she should be a social terrorist in the conventional sense!

"Can I ask why you resigned from your last company?" Su Yang looked at Yu Chengjun and asked, "After all, it was also a quite famous group company!"

When Su Yang saw Yu Chengjun, he was slightly repelled. He suddenly remembered what Jiang Yuzhen said yesterday.

But he quickly adjusted.

He didn't recruit Yu Chengjun as his secretary just because she was good-looking!

"The salary is too low, and my superiors are not very polite to me. They even try their best to get me drunk at parties..." Yu Chengjun looked at Su Yang and said calmly, "I heard that companies under Jufan Holdings don't even try to get me drunk at gatherings!"

"You can drink whatever you want at our company's internal party. It's okay if you don't!" Su Yang asked again, "Do you have any friends in the company?"

"Yes!" Yu Chengjun nodded with a smile, "I have a senior who works at Spark Media!"

Su Yang asked softly: "Is it Luo Xinling from the Finance Department of Spark Media?"

"Ah?" Yu Chengjun looked at Su Yang in surprise, "How do you know?"

"Guess!"

For a woman who was born in the same school as Yu Chengjun, about the same age, and who still works at Spark Media, it was too easy for Su Yang, who had a photographic memory and knew every employee by heart!

"Can you guess so accurately?"

Yu Chengjun couldn't understand. There were thousands of employees at Minghuo Media. How could he guess Luo Xinling all of a sudden?

But Su Yang would definitely not explain it to her, but continued: "But if you become my secretary, you may still have to drink. After all, it involves some entertainment..."