magic city maker
Chapter 27 Effect
Chapter 27 Effect
The lending speed of the bank is directly related to the ratio of collateral and loan amount. The greater the risk, the slower the lending speed, and the lower the risk, the faster the lending speed.
As long as it is verified that Zhao Xiaole is really the owner of Yurun Hotel, and Yurun Hotel has no other collateral, then the 1000 million loan may even be approved the next day.
Huang Ying patiently explained, hoping that Zhao Xiaole could understand these rules.
Huang Ying was also very happy when she came across a large loan. Although she was a teller, it was good for her to get a large loan. Apart from the bonus, for a newcomer like her who had just worked for two or three years, In terms of performance, it can be regarded as a tenable performance.
Don't think that bank employees don't need a lot of tasks. Only after you become a bank employee will you find out that the bank salary is indeed high, but it also requires a lot of tasks.
"Okay, I understand, then go to Yurun Hotel tomorrow morning."
Zhao Xiaole nodded, expressing that he understood Huang Ying's words, since the bank has door-to-door service, why is he making a trip tomorrow?
Although he had thought that this matter would be kept secret for the time being, Huang Ying's words just now also revealed a secret. The bank needs to go to the hotel to verify.
This also means that this matter cannot be kept secret. In this case, there is no reason for him to make a trip by himself tomorrow.
"Ok."
Huang Ying nodded, and then took out a list: "You can leave your mortgage and contact information and ID number first."
"Our bank will keep it for you first, so we can contact you tomorrow."
After Zhao Xiaole filled out the form, he left the bank.
"Xiaoying, this is a big list."
As soon as Zhao Xiaole left the bank, another female employee who was working at the station next to Huang Ying just came over. They work in a non-cash area, so they are free.
"So young, only 23."
The female staff who came over looked at the list in Huang Ying's hand, and couldn't help exclaiming in a low voice: "If this information is true, he is a rich man!"
Ignoring the jokes from her colleagues, Huang Ying got up with the list and went to find their leaders. For such a loan, the leaders must know about it first.
As for the jokes of colleagues, Huang Ying will not take it to heart. For most bank staff, they deal with funds all day long, so that most of the time, in their eyes, funds are just a number .
Today's Deyu City, as usual, is full of pedestrians, and because Deyu City is a tourist city, it can be said that the scenery is very good, even the roads in the city center are lined with big trees that block out the sun, Even if it is summer, walking on the sidewalk can feel a little bit of coolness.
In fact, the scenery of Deyu City was better in the past, and you could even smell all kinds of flowers in the city center. However, in recent years, Deyu City has only relied on the single development of tourism to drive the economy, so that now the economy has begun to stagnate. The situation is gone.
Moreover, Deyu City is considered an old city. Many roads and public facilities in the urban area have to be repaired or improved, and some projects that need to be improved and upgraded are even more expensive than new projects.
And now all cities across the country have begun to pay attention to the development of ecological civilization, which has led to a slow decline in the number of tourists who come to Deyu City every year.
In the past few years, Deyu City always wanted to attack the second-tier cities, but now, this idea is not dared to think about it at all. As long as it can maintain the trend of surpassing the third-tier cities, it will be a good thing.
But even so, you can still see a lot of outsiders on the streets in this season.
"Why are all the local newspapers in Deyu City full of introductions about this hotel?"
Next to Zhao Xiaole, two young couples were holding several travel newspapers. Although the titles were different, the content was roughly the same, and they both used nearly one page to introduce Yurun Hotel.
"It must have cost a lot of money. Not all local newspapers are here."
The boy among the young lovers curled his lips. Originally, he wanted to read the local tourism newspaper in Deyu City, and what other interesting places there were, but he didn't expect that just the introduction of a hotel took up a page.
What about acting in cooperation with the fire department, what about future high-tech, high-safety hotels are all a lot of bragging. He has traveled to many first-tier big cities, and he has never encountered a hotel like this.
"I think we'll stay in this hotel tonight."
The petite woman next to the boy had bright eyes, and said seriously, "Don't worry about the high technology written in the newspaper, at least this hotel has security guards on every floor, and they are mainly female security guards."
"In this way, you don't have to worry about someone inserting a small card or knocking on the door in the middle of the night, and you can sleep peacefully."
"You forgot that when we went on a trip before, we couldn't sleep well in the middle of the night, and we had to find something inside to block the door, lest someone sneak in in the middle of the night."
"There are also some hotels where people talk loudly and quarrel in the middle of the night, making it impossible for us to sleep..."
The girl kept complaining, obviously because of the security of Yurun Hotel disclosed in the newspaper.
For girls, there are only two issues that are most concerned about when traveling, that is, fun and safety. It is okay to say that when going to scenic spots during the day, after all, there are many people at the scenic spots, and it is still during the day, so there are almost no accidents.
But overnight accommodation is different.
Especially in recent years, in the newspapers and news, there are quite a lot of girls who have accidents in hotels.
"Okay, listen to you, live wherever you say."
The boy nodded dotingly. In fact, in his heart, he still didn't believe the information disclosed in the newspaper. He said that there were security guards on duty, maybe two security guards took turns to be on duty at night, and the other one was lazy.
But since his girlfriend said so, he must agree.
Zhao Xiaole has been following unhurriedly, and the smile on his face is getting stronger and stronger. Although the effect of advertising in local newspapers is not great, it must be there.
Moreover, once the loan funds are in place, he plans to use part of it to advertise on some travel websites. At the same time, he will also prepare to upgrade the hotel's reservation system so that online reservations can be made.
Now many hotels in big cities can book rooms online, and even many hotels in Deyu City can book rooms online. Only Yurun Hotel has not had this function. To a certain extent, it will definitely cause a lot of losses. There is less traffic, so when the funds are in place, he will speed up the process in this regard.
(End of this chapter)
The lending speed of the bank is directly related to the ratio of collateral and loan amount. The greater the risk, the slower the lending speed, and the lower the risk, the faster the lending speed.
As long as it is verified that Zhao Xiaole is really the owner of Yurun Hotel, and Yurun Hotel has no other collateral, then the 1000 million loan may even be approved the next day.
Huang Ying patiently explained, hoping that Zhao Xiaole could understand these rules.
Huang Ying was also very happy when she came across a large loan. Although she was a teller, it was good for her to get a large loan. Apart from the bonus, for a newcomer like her who had just worked for two or three years, In terms of performance, it can be regarded as a tenable performance.
Don't think that bank employees don't need a lot of tasks. Only after you become a bank employee will you find out that the bank salary is indeed high, but it also requires a lot of tasks.
"Okay, I understand, then go to Yurun Hotel tomorrow morning."
Zhao Xiaole nodded, expressing that he understood Huang Ying's words, since the bank has door-to-door service, why is he making a trip tomorrow?
Although he had thought that this matter would be kept secret for the time being, Huang Ying's words just now also revealed a secret. The bank needs to go to the hotel to verify.
This also means that this matter cannot be kept secret. In this case, there is no reason for him to make a trip by himself tomorrow.
"Ok."
Huang Ying nodded, and then took out a list: "You can leave your mortgage and contact information and ID number first."
"Our bank will keep it for you first, so we can contact you tomorrow."
After Zhao Xiaole filled out the form, he left the bank.
"Xiaoying, this is a big list."
As soon as Zhao Xiaole left the bank, another female employee who was working at the station next to Huang Ying just came over. They work in a non-cash area, so they are free.
"So young, only 23."
The female staff who came over looked at the list in Huang Ying's hand, and couldn't help exclaiming in a low voice: "If this information is true, he is a rich man!"
Ignoring the jokes from her colleagues, Huang Ying got up with the list and went to find their leaders. For such a loan, the leaders must know about it first.
As for the jokes of colleagues, Huang Ying will not take it to heart. For most bank staff, they deal with funds all day long, so that most of the time, in their eyes, funds are just a number .
Today's Deyu City, as usual, is full of pedestrians, and because Deyu City is a tourist city, it can be said that the scenery is very good, even the roads in the city center are lined with big trees that block out the sun, Even if it is summer, walking on the sidewalk can feel a little bit of coolness.
In fact, the scenery of Deyu City was better in the past, and you could even smell all kinds of flowers in the city center. However, in recent years, Deyu City has only relied on the single development of tourism to drive the economy, so that now the economy has begun to stagnate. The situation is gone.
Moreover, Deyu City is considered an old city. Many roads and public facilities in the urban area have to be repaired or improved, and some projects that need to be improved and upgraded are even more expensive than new projects.
And now all cities across the country have begun to pay attention to the development of ecological civilization, which has led to a slow decline in the number of tourists who come to Deyu City every year.
In the past few years, Deyu City always wanted to attack the second-tier cities, but now, this idea is not dared to think about it at all. As long as it can maintain the trend of surpassing the third-tier cities, it will be a good thing.
But even so, you can still see a lot of outsiders on the streets in this season.
"Why are all the local newspapers in Deyu City full of introductions about this hotel?"
Next to Zhao Xiaole, two young couples were holding several travel newspapers. Although the titles were different, the content was roughly the same, and they both used nearly one page to introduce Yurun Hotel.
"It must have cost a lot of money. Not all local newspapers are here."
The boy among the young lovers curled his lips. Originally, he wanted to read the local tourism newspaper in Deyu City, and what other interesting places there were, but he didn't expect that just the introduction of a hotel took up a page.
What about acting in cooperation with the fire department, what about future high-tech, high-safety hotels are all a lot of bragging. He has traveled to many first-tier big cities, and he has never encountered a hotel like this.
"I think we'll stay in this hotel tonight."
The petite woman next to the boy had bright eyes, and said seriously, "Don't worry about the high technology written in the newspaper, at least this hotel has security guards on every floor, and they are mainly female security guards."
"In this way, you don't have to worry about someone inserting a small card or knocking on the door in the middle of the night, and you can sleep peacefully."
"You forgot that when we went on a trip before, we couldn't sleep well in the middle of the night, and we had to find something inside to block the door, lest someone sneak in in the middle of the night."
"There are also some hotels where people talk loudly and quarrel in the middle of the night, making it impossible for us to sleep..."
The girl kept complaining, obviously because of the security of Yurun Hotel disclosed in the newspaper.
For girls, there are only two issues that are most concerned about when traveling, that is, fun and safety. It is okay to say that when going to scenic spots during the day, after all, there are many people at the scenic spots, and it is still during the day, so there are almost no accidents.
But overnight accommodation is different.
Especially in recent years, in the newspapers and news, there are quite a lot of girls who have accidents in hotels.
"Okay, listen to you, live wherever you say."
The boy nodded dotingly. In fact, in his heart, he still didn't believe the information disclosed in the newspaper. He said that there were security guards on duty, maybe two security guards took turns to be on duty at night, and the other one was lazy.
But since his girlfriend said so, he must agree.
Zhao Xiaole has been following unhurriedly, and the smile on his face is getting stronger and stronger. Although the effect of advertising in local newspapers is not great, it must be there.
Moreover, once the loan funds are in place, he plans to use part of it to advertise on some travel websites. At the same time, he will also prepare to upgrade the hotel's reservation system so that online reservations can be made.
Now many hotels in big cities can book rooms online, and even many hotels in Deyu City can book rooms online. Only Yurun Hotel has not had this function. To a certain extent, it will definitely cause a lot of losses. There is less traffic, so when the funds are in place, he will speed up the process in this regard.
(End of this chapter)
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