The reborn I want to lay down a big country

The sky was overcast, with low clouds.

When Liang Xin came out of Runxin Building, he didn't feel relieved at all.

The feeling of exhaustion always lingers in my mind and cannot go away at all.

From the time he got off the plane late Thursday night until now, except for a few naps in between, he has been restless all the time.First, they had to deal with the pressure from Chen Guangjian and Dongfeng Investment, and then they immediately encountered emergencies from the classmates network.It took a lot of effort to successfully resist the attack, but the dilemma faced by the website was immediately put on the table.

On the surface, the pressure was always there, and secretly, the slow execution progress of his big chess game made him so anxious that he couldn't even sleep.With no one in hand and little money at the same time, the risks were huge, so I had to force myself to take steps step by step and stabilize my position.

Even if the situation is already so difficult, he still has to take care of and appease other people's emotions and ensure that there are no problems with the distribution of interests from top to bottom.In addition to the intrigues, there are also various messy accounts that must be calculated on the surface.

To be honest, not only is my heart tired, but my brain and waist are already overloaded.

All aspects of physical strength and energy were almost pushed to the limit...

"Huh..." Liang Xin spit out in a long voice.

The river breeze blew by, bringing him a slight glimmer of clarity, but it failed again in an instant.

He shook his head, dragged his physically and mentally exhausted body, and continued walking towards the bank not far away.

Banks do not handle corporate business on Saturdays.

But Liang Xin still wanted to ask. Even if he knew the specific situation of the loan, coming back on Monday would save some unnecessary communication time.By the way, he had to transfer 2 yuan from Sister Ping's card to himself.Then transfer it to Jinshui Holdings through your bank card, then transfer it from Jinshui Holdings to Dawn Education, and finally transfer it from Dawn Education to Dongliang Real Estate...

He needs to carry out this process every day, and it takes him a full 35 days before all the other half of the proceeds from the sale of his family's house can be taken out of Sister Ping's card and turned into all the start-up funds for the first phase of his plan.

And this process is the same as the funds in the classmates network. The flow cannot be known to other owners and supervisors of the funds, so he cannot ask Sister Ping to come over and increase the daily transfer limit.

Otherwise, with Sister Ping's determination, she would probably be able to swing back and forth more than a dozen times in half an hour, and finally cry out loud and ask him to give the money back.If things get serious, I'm afraid that my entire plan may be exposed - after all, the local TV station in City W, which has so much time to do, has always liked this kind of thing.

With such a heavy heart, Liang Xin walked into the compartment of the bank's ATM cabinet.

It took a full 10 minutes to finally complete this complicated transfer procedure.Not to mention how much transfer fees he spent in the process, he just numbly ticked the box in his mind. This was the eighth time today.27 shots left.

Mr. Liang!You must withstand it!Never give up!

Gritting his teeth to cheer himself up, Liang Xin put a few cards close to his body.Walking out of the cabinet compartment, he walked straight into the bank business hall next door.Then when he was looking for the bank's lobby manager, a man in uniform suddenly walked over and greeted Liang Xin with a smile: "Mr. Liang, what a coincidence, we meet again. What business are you doing?"

Liang Xin looked at it blankly and couldn't help but smile, "Manager Ling? I heard from Xiaofang that you changed jobs, and I thought you..."

"You thought I was still in the telecommunications system, right?" Ling Yu laughed.

Liang Xin couldn't help but asked strangely: "Can you transfer across borders like this?"

"They are all state-owned enterprises." Ling Yu said in a slightly mysterious tone, "There are always more solutions than difficulties, right?"

"Okay, that makes sense..." Liang Xin was relieved instantly.

W City is only a small city, and the relationship between various administrations, public institutions, and state-owned enterprises is originally one of you and me, and you are among me. Even though the admission standards for civil servants and public institutions are very strict these days, Ling Yu’s There is still room for maneuver for this kind of mobilization.After all, he is a regular employee of Telecom, so the issue of identity is not a big problem in the first place.

Thinking of this, Liang Xin couldn't help but ask: "Then what are you doing now..."

"Internship lobby manager." Ling Yu said, "Learn while working, learn while working. What kind of business do you want to do?"

When Liang Xin heard this, he was immediately overjoyed.

My luck today is unbeatable!

"I want a loan." Liang Xin said quickly, "a loan of 120 million."

Ling Yu said: "What to do?"

"The company has no money." Liang Xin said matter-of-factly, "The business of Tongtong.com is growing too fast and the hardware cannot keep up."

"Today is Saturday..." Ling Yu subconsciously said something nonsense first.

Liang Xin said: "Let's talk first. If it can be done, I will come over on Monday to take care of it."

"Too."

Ling Yu nodded and led Liang Xin into the reception room in the corner of the lobby.

The two of them didn't close the door, and just stayed in a small room of at most five or six square meters. They faced each other with a table separated from each other. Liang Xin whispered to Ling Yu in a very small voice about the current situation of the classmates network. Difficult situations.

Ten minutes later, Ling Yu said simply: "You should have no problem with the money. The current performance of the classmates network is good, and the capital flow is also positive. In addition, there is policy support for college students to start their own businesses... Let's do this. I told the leaders in our industry today that if you bring the relevant corporate materials over on Monday, I will handle it for you directly on Monday."

Liang Xin was surprised when he heard this and asked: "Is it so easy?"

Ling Yu whispered: "I just came to work. I need to do some results early so that I can stand firm."

Liang Xin laughed and asked, "Then I don't have to provide any collateral?"

"I'll apply for a commercial credit loan for you. The interest rate is a little higher, but the loan is quick and the procedures are easy to handle." Ling Yu looked really anxious and said quietly, "Eighteen o'clock a year, you If you can accept it, I’ll sign the contract on Monday and the money will arrive immediately.”

"That's..." Liang Xin frowned slightly.

Ling Yu directly reached for the calculator on the table and clicked it, "120 million, with an annual return of 21, and a yearly repayment of [-]. Your company only needs to repay [-] in interest every month. It shouldn't be much, right? ?”

"Not much..." Liang Xin said simply. According to the current market situation of point cards in the food-stealing game, even if the monthly profit in the future drops to only one-tenth of the current rate, the company will still be able to earn this amount of interest.

And now the company's hardware funding gap is not 120 million, but 60.The extra 60 yuan that Liang Xin borrowed was actually for the company's daily operating costs.It is equivalent to getting enough money at once to burn the classmate network for half a year. Of course, the premise is that in the next six months, the number of registered users must not increase too much.

If it only grows to 200 million users, and the number of people online at the same time does not exceed 20, the company can barely cope with it after upgrading according to the current plan provided by Telecom.But if it exceeds this level by too much, the budget will inevitably have to be increased again.

And if this day comes too soon, such as three or four months later.

Liang Xin simply didn't dare to think about what he would have to do to plug this new gap...

Should I pledge my classmates' shares?

But doing this would be equivalent to violating the gambling agreement with Chen Guangjian and Dongfeng Investment, right?Taking the chips from the gambling agreement and using them as collateral for the bank, what kind of illegal and criminal act is this?

Liang Xin suddenly thought of Zhou Xian's father-in-law again, Mr. Wu Keyong, a law professor at W University.

It seems that those who step on the horse cannot escape the fate of becoming a criminal.

But I just want to take advantage of the information gap of the times!

Countless thoughts flashed through Liang Xin's mind, and then he suddenly found Ling Yu looking at him with piercing eyes, and said quickly: "Okay, just follow this, I will come over on Monday to complete the procedures."

"Okay!" Ling Yu suddenly smiled.

Just as he was about to reach out and tell Liang Xin that the cooperation was pleasant, Liang Xin suddenly said: "But I also want to make another loan."

"What?" Ling Yu was stunned.

Liang Xin lowered his voice and whispered: "I feel that the housing prices in the capital are going to rise. I have set up a real estate company in the past few days and have already bought a few houses. But the funds of my new company are not enough. I think Make a big one..."

Ling Yu opened his eyes slightly, "Do you want to go to the capital to speculate in houses?"

Liang Xin nodded, "I'll use the house over there as a mortgage for you. The market price is 100 million, and I'll use the classmates.com company as a guarantee. I want to borrow 200 million, do you think it's okay?"

Ling Yu thought about it seriously, nodded slightly, and said, "It's okay, you have a mortgage and a guarantee..."

Liang Xin didn't wait for him to finish, and continued: "When I get the 200 million, I will buy the house in full. The newly bought house can continue to be used as a mortgage. I will continue to use Sanjin Technology to do business." guarantee……"

Ling Yu's eyes widened even more now, and he asked in a low voice: "What scale do you want to achieve?"

“Of course, the bigger the better,” Liang Xin said. “It’s best to stock up on hundreds of houses at once.”

"Then your interest..." Ling Yu licked his lips, "That's a lot of money every month! Can you still afford it?"

"I can last up to half a year." Liang Xin will never tell lies to people in the bank when it comes to money. "I have calculated it. The interest earned in half a year is at most one million. I rely on my own dividends to make it a year." You can pay it back within [-] months. Don’t worry about the principal. You don’t have to worry about selling your house in the capital. Even if the price doesn’t increase within half a year, I can still fill your hole by selling it at the original price. I won’t let you take the blame for bad debts. "

"I'm not afraid of this..." Ling Yu said, "Now the whole city is speculating in real estate. To be honest, there are quite a few speculators like you. Just buy that building of your company's office building, Runxin Building. The boss still owes our bank money..."

Um?Chen Guangjian? !The person next door to you is so brave... Can a person with a fourth-grade elementary school education level like you handle a plate that makes people jump off the building at every turn? !

Liang Xin was madly complaining about his father in his heart, and asked Ling Yu: "Then what's your problem?"

"Two questions."

Ling Yu looked serious, "First, if your amount is 200 to [-] million, I can still give you an idea, but if the amount is larger, I won't be able to help you. The scale of the classmates network is not that big. It's impossible to guarantee such a large amount of funds. But the houses you used as mortgages are okay.

Then the second question is, if the amount is too large, even if our leaders are willing to lend you, the bank may not be able to allocate that much money at once.It’s almost the end of the year, and it’s difficult to collect and lend money, and we don’t have enough money. The real estate market in W City is so hot right now, so you’re not the only one borrowing money..."

Are you speculating in real estate until the bank is short of money?

Liang Xin felt more and more understandable about the 09 avalanche incident in W City.

It's only the end of 06.

Next year will be the craziest time for real estate speculation in W City.

Then, in 08, we should enter the stage of holding on.

Finally, in 09... Bang!

"There should be a way." Liang Xin looked at Ling Yu and said something very shameless, "I only need 5000 million yuan at most, and 5000 million is enough. This amount of money is not too much for real estate speculators. of."

Ling Yu has also seen the world. After entering a bank, the amount of 5000 million is really not a big sum of money.

It's not even average.

However, he still said: "But for our small outlet, it still counts."

Liang Xin frowned slightly and asked, "Then how much can you help me solve at most?"

"It's hard to say." Ling Yu shook his head.

Liang Xin said directly: "I will give you a 500% half-year option on the real estate company. If this transaction succeeds in half a year, even if the net profit margin is only 10%, it will still be 500 million. Two percent, [-] yuan." How about you help me find nine more people from other banks, each of whom will get [-] million in funds, all with two-point options for half a year, and I'll give you an extra [-]?"

Ling Yu remained silent.

Liang Xin added, "Why don't you quote a price yourself?"

Ling Yu thought for a while, gritted his teeth and said, "I don't want options, I want shares. Two percent of the shares."

Liang Xin frowned and was silent for a few seconds, then quickly counter-offered: "The average interest rate cannot exceed twelve points. You find all the people, sign the contract, and when the money arrives, I will give you shares."

Ling Yu said: "I will not be responsible if something happens. I will withdraw my shares before something happens."

"Okay." Liang Xin nodded, "If you feel you are in danger, I will buy back your shares for 100 million."

Ling Yu was finally satisfied and said slowly: "It will take me some time to find so many people."

"how long?"

"It will probably take a few months at the earliest."

"A few months? Two months? Three months?"

"Three months."

"It's best to get it done within two months," Liang Xin said. "It should be done before the Chinese New Year. There are long nights and many dreams, and things can easily go wrong."

"Well..." Ling Yu was completely pulled in by Liang Xin. He frowned and looked solemn. He pressed the calculator again, "5000 million, twelve points, and you have to pay back at least 50 every month. You Do you have this money in your account?”

"No." Liang Xin said matter-of-factly, "The house can be rented out, and the rent can cover more than half of it. The rest of the money can be transferred to a bank."

"Okay." Ling Yu nodded, "For half a year, based on the total bridge toll of 300 million, I will help you get the money, but the interest will be relatively high, so you have to rely on yourself."

Liang Xin also took the calculator and pressed it, "Calculating it at 420 points per year, it will be two years, including principal and interest, the total capital cost is 200 million, almost 20 million per year, less than [-] a month... ...Okay! No problem! Manager Ling, happy to work with you."

"It's a pleasure to cooperate." Ling Yu stretched out his hand and shook Liang Xin's hand.

With a cost of 420 million and leveraging 5000 million in funds, Liang Xin's goal is to double the house price within half a year.

What Ling Yu was planning was whether he could get a few more of these customers.

If there are ten people as brave as Liang Xin, he will definitely earn 200 million in benefits for a year without doing anything.

Isn’t this better than doing business for people in Telecom?

And how many people in W city have made a lot of money by relying on this method of playing in recent years?

Ling Yu didn't know.

But what he knows clearly is that he has finally caught up with this train...

Thanks to this young man who is not afraid of death.