LIGHTNOVELWORLD Chapter 5: Getting Money through Loans
Zhang Yi replied, "My name is Zhang Yi. Do you have any problem with my ordering 500 tables of banquets?"
The manager was startled. This kind of thing was the first time they had encountered since the hotel opened.
However, for such a large order, they definitely had to take it if it came.
"Mr. Zhang, 500 tables of banquets will cost over a million yuan. If you need it, we'll prepare it for you right away, but we'll need you to transfer a deposit of 200,000 yuan in advance."
Zhang Yi answered, "No problem. Send me your account number later, and I'll transfer the money to you."
With money, things would be easier to handle. The manager readily agreed, then added Zhang Yi as a friend and sent him the bank account number.
Zhang Yi didn't hesitate to transfer 200,000 yuan.
On the manager's side, after confirming with the finance department that the deposit had arrived, he immediately started giving orders to various departments.
"Quick, quick, quick! We've got a big order. Ask the purchasing department to stock up on supplies quickly. The kitchen should stop taking other takeout orders for now!"
"Make the 500 tables of banquets that the guest ordered within one day!"
...
On the other side, after hanging up the phone, Zhang Yi couldn't help sighing, "Although money will be useless in a month, I still need it to buy things now."
In his hands, the inheritance left by his parents and his own savings totaled about 2 million yuan.
Now, half of it was gone just like that. To be honest, he still felt a bit heartbroken.
But on second thought, it was also a good thing.
Many people held a lot of money in their hands, and later it all became waste paper.
Not everyone had the opportunity to spend their money.
"However, there are still many places where I need money next. I have to find a way to get more money."
Zhang Yi's eyes immediately fell on his own house.
This house was located in the middle ring of Tianhai City, with an area of 120 square meters. The community was built 10 years ago.
According to the current market price, each square meter was worth more than 40,000 yuan.
That is to say, this house was now worth at least 5 million yuan.
"Got it. I'll take out a mortgage loan. Then I'll have money, right?"
Zhang Yi chuckled. It would be so comfortable to borrow this money and not have to pay it back.
He immediately left home, drove to the bank to apply for a loan.
On the way, he received a message from Fang Yuqing.
"Zhang Yi, it's so boring on the weekend. I really wish someone could accompany me out for a stroll."
Zhang Yi took a look at it and then threw his phone aside.
He went to the bank to handle the loan business.
Since Zhang Yi's loan amount was large, and he had all the necessary documents, and the house was purchased in full, the loan was approved quickly. However, the bank only gave him a loan of 4 million yuan.
Zhang Yi didn't haggle over the price. Anyway, it was free money, and he didn't have time to argue with the bank.
After signing readily, the bank transferred the money to his account.
"Now, after spending more than 1 million yuan on the banquets, I still have about 5 million yuan in my hands."
"It should be enough to renovate the house. However, I still need to buy a large number of medicines and weapons. This money may not be enough."
Zhang Yi touched his chin and began to think about how to get more money.
Just at this moment, a yellow-haired guy on the roadside saw Zhang Yi who was deep in thought. His eyes lit up, and he immediately walked over.
"Hey, buddy, do you need money?"
Zhang Yi looked up at the yellow-haired guy.
"Who are you?"
The smile on the yellow-haired guy's face grew wider. He lowered his voice and asked, "I'm just asking if you need money now and the bank refuses to lend it to you?"
Hearing this, Zhang Yi understood what this guy was doing.
He must be a loan shark!
An idea came to Zhang Yi's mind.
He sighed and pretended to be in a difficult situation and said, "Yes, my family's business is in urgent need of working capital turnover. But the bank..."
Zhang Yi deliberately showed a troubled expression when he said this.
The yellow-haired guy also seemed to understand immediately.
Anyone who could borrow money from the bank through normal channels wouldn't go to borrow from loan sharks.
He said to Zhang Yi, "Yeah, the bank is really strict about lending money now! There are all kinds of rules and regulations, and the speed of getting the money is also slow."
"However, brother, if you're in urgent need of money, I can help you with this."
Zhang Yi looked at the yellow-haired guy cautiously.
"You? Are you really capable? I need several million yuan!"
Hearing that it was a big business, the yellow-haired guy's eyes clearly became more excited.
He took out a business card from his pocket and handed it to Zhang Yi.
"Our company specializes in helping people in trouble. As long as you need money, you can't go wrong by coming to us!"
Zhang Yi took a look. The business card read "Duoduo Loan Financial Service Co., Ltd."
And the yellow-haired guy's title was Hu Minghua, the business manager.
Zhang Yi said excitedly, "Can you really lend me money? I need 5 million yuan. As long as you can help me get through this difficult time, I promise to pay it back in at most three months!"
Hu Minghua smiled and said, "This is easy to discuss. Our company is very powerful. We are specifically here to help people like you who are short of funds."
"Come on, let's go to the company and talk about this slowly."
Zhang Yi looked expectant and nodded, then followed Hu Minghua to their company.
The so-called company was located in a remote office building.
After entering the door, Hu Minghua took Zhang Yi to their boss's office.
The boss of this lending company looked big and burly, but he was wearing a famous brand Baleno suit.
Obviously, he was trying hard to create the image of a formal company.
However, there was a bit of fierceness between his eyebrows.
If he hadn't fought in society for many years, he wouldn't have this kind of look.
Hu Minghua introduced Zhang Yi's basic situation to the boss in front of him: "Manager, this is the client who wants to borrow money from us."
The boss, named Chen Xiong, showed a smiling face when he saw Zhang Yi and invited Zhang Yi to sit down.
"Mr. Zhang, how much money do you want to borrow?"
As expected of a loan shark company, the content of the conversation was so straightforward.
Such a company was not formal in itself, so there weren't so many rules and regulations.
Moreover, they had plenty of ways to make you pay back the money and didn't worry at all that you would default on the debt.
Zhang Yi said, "I want to borrow 5 million yuan."
Chen Xiong frowned, "Oh, that's not a small amount. However, Mr. Zhang, I have to make it clear in advance that our interest rate is very high. You should be prepared for it."
Hu Minghua said beside him, "Mr. Zhang's business is in urgent need of working capital turnover. Once the business turns around, the money will be earned back soon. Right?"
Zhang Yi saw clearly how the two of them were working in tandem.
Still pretending to be eager, Zhang Yi said, "Yes, I'll be able to pay it back soon. Even if the interest rate is a bit high, it's okay! As long as you can lend me the money."