magic city maker

Chapter 26 Bank
Although the misunderstanding of the fire drill caused many people who passed by in the morning to misunderstand Yurun Hotel, but fortunately, the fire drill was held in the morning, and the fire trucks completely left at noon.

In the evening, the number of rooms booked by the hotel was still increasing compared to last night, which made the beauties at the front desk of the hotel feel unbelievable.

Early the next morning, Zhao Xiaole did not go to the hotel, but went directly to a certain state-owned bank.

Originally, Zhao Xiaole wanted to ask Sun Ya to contact the bank first, but after careful consideration, he still came by himself.

The reason is simple, although the amount of the loan is not a commercial secret, it's better not to make a fuss, especially at this initial stage.

After all, the hotel has experienced defaulting on the wages of its employees before, and if the rumors about the loan are spreading now, the people inside the hotel may become even more confused.

"Hi, may I ask what kind of business you are handling?"

As soon as Zhao Xiaole entered the bank, the lobby manager, a dignified woman in her 30s, smiled and asked. The bank's services have now improved a lot compared to previous years.

"I'd like to inquire about a mortgage."

Zhao Xiaole is wearing very ordinary casual clothes today. In addition, he is not very old and has just graduated. Although he is a hotel owner, he has not experienced anything, and his face looks very immature.

"For mortgages, if the property or vehicle is signed by your family, you need your parents to come over."

The lobby manager looked at Zhao Xiaole and explained patiently, but he already regarded Zhao Xiaole as the kind of young man who just graduated and wanted to start a business.

"Is our lending speed fast?"

Zhao Xiaole asked. What he cared most about was the speed of disbursement. If it took several months to disburse the loan, he would definitely not be able to wait. He would have to switch to another bank for consultation.

"As long as the information is complete, our bank will have special staff to verify it, and then report it. It is estimated that the loan will be released in three to five working days."

Kong Qi, the manager of the lobby, replied with a smile, the competition among various banks is also very strong now, so the speed of loan disbursement has also been optimized a lot.

"What are the procedures for mortgage?"

Zhao Xiaole is quite satisfied with the time of disbursement.

"You can ask our bank's professional teller about this."

Kong Qi smiled and pointed to the place where the non-cash business hang tag was hung on the side of the bank window: "You can go there for a special consultation."

It wasn't that Kong Qi felt that Zhao Xiaole underestimated him because he was young, but that the duty of the lobby manager was to deal with trivial matters or emergency situations, rather than being in charge of any particular business.

"OK, thanks."

Zhao Xiaole nodded very politely, and then walked towards the counters with non-cash business hang tags next to them. There were not many people handling business there, so there was no need to wait in line.

"Hello, what business do you need to handle?"

The young woman behind the counter nodded at Zhao Xiaole, with a smile on her face, and temporarily put aside the documents she was sorting out.

"I want to get a mortgage, what information do I need to prepare, or what to fill in..."

Zhao Xiaole repeated what he said just now.

"What do you want to mortgage?"

Huang Ying behind the counter asked softly, her voice was soft and pleasant.

"hotel."

Zhao Xiaole smiled and said, "I want to mortgage the hotel."

"hotel?"

Huang Ying's small face froze for a moment, and she repeated the word "hotel" in a soft voice, with an incredulous look in her eyes.

No wonder Huang Ying was surprised. She has been working for two or three years. Most of the people who come to apply for loans are mortgaged houses or vehicles, among which houses are the majority.

If it was a hotel mortgage, there would be no need to come to her to handle it in the lobby. No matter which bank it was placed in, their leaders would definitely come to the door to handle it in person.

After all, a hotel loan is definitely not a small amount. Once the loan is released, the bank will just sit and eat the interest.

"How big is your hotel? And how much do you want to borrow?"

Huang Ying regained her composure and asked. After all, in her opinion, Zhao Xiaole was too young. It is estimated that it is a small hotel with [-] to [-] single rooms on two or three floors in the city, which can also be called a hotel.

"Scale, the hotel has a total of eight floors, and it is located in the city center. At least it is worth several hundred million, right? I don't plan to mortgage too much, and a mortgage of 1000 million is enough."

Zhao Xiaole said these words very easily. With the scale of Yurun Hotel, let alone a mortgage of 1000 million, even [-] million, there is no risk.

"Several hundred million?"

Huang Ying's small mouth was slightly opened, and her small face was full of disbelief. The main reason was that Zhao Xiaole was too young, and she didn't even look as old as her. This made her full of doubts about what Zhao Xiaole said just now.

"Correct."

Zhao Xiaole nodded, and he was not dissatisfied with Huang Ying's reaction, on the contrary, he found it a little cute.

"May I ask which hotel you are talking about? Are you the owner of the hotel? Do you own the property rights of the hotel?..."

They must have been trained to work in the bank, and they deal with funds all day long. Huang Ying was just shocked because of the gap between Zhao Xiaole's age and what he said.

In just a moment, Huang Ying returned to her normal state and asked Zhao Xiaole patiently.

"Yurun Hotel, I am the owner of the hotel, and I own the property rights and all rights of the hotel. Now the hotel is operating normally..."

Zhao Xiaole nodded and answered everything Huang Ying asked about just now.

"If this is the case, you need to bring your hotel's record with the Industrial and Commercial Bureau... and your own identity... After that, our bank will send someone to verify it."

After regaining her composure, Huang Ying quickly introduced the whole procedure to Zhao Xiaole.

After a pause, Huang Ying continued: "Since your loan amount is relatively large, if you find it troublesome, prepare the documents, our bank can directly take the things to the hotel to process, and at the same time, we will verify the situation .”

"What about the loan time, is it three to five working days for the 1000 million loan?"

Zhao Xiaole looked at Huang Ying and carefully confirmed the question.

"We need to verify it here. From the time you submit the information, it will take about three to five working days. After verification, the loan can be released in three to five working days."

"But if your hotel is worth hundreds of millions and you only mortgage 1000 million, the loan will be released very quickly."

(End of this chapter)