Rebirth 00 I earned 999 from selling lunch boxes

(Refresh and read again, this chapter has been modified)

At eight o'clock in the evening, the whole family gathered together.

He Wenlin first reviewed the business of each store with them that day, and finally talked about the loan.

Just make a little money and do a little work, and the day lily will be cold.

He's father and his mother were a little interested, but they were hesitant. The main reason was that He Wenlin said that the loan would be hundreds of thousands, which was hard for them to accept.

In the end, Mrs. He made the final decision and said to give it a try.

After all, the land is real estate, so even if you lose money, you will still lose a little interest in the end.

Mrs. He made the decision, and He's father and He's mother could only listen. There was nothing they could do. She was a shareholder and He Wenlin's grandmother. It was okay to take out a loan in the name of the company and have her and He Wenlin's signatures.

It's useless for his father and his mother to object, it's better to agree.

The next day, as soon as the bank opened, He Wenlin went to the bank with his mother, Mrs. He, and met Wang Ming, the previous account manager.

Ever since He Wenlin asked for a loan, Wang Ming has been concerned about this matter, which is related to his performance.

But after He Wenlin made that remark, there was nothing more to say. Wang Ming thought it was a shame, but he didn't expect that He Wenlin and her mother would now come to the door.

Wang Ming brought their mother and daughter into the VIP room.

When Wang Ming looked at He Wenlin's bank card, food factory, and three store records, he said that he could get a loan of 12 yuan with an annual interest rate of %.

This is much lower than the interest rate at Xiao Zheng’s credit union.

However, He Wenlin bargained with him and finally got a loan of 12 yuan, to be repaid in sixty installments, with an annual interest rate of %, which was not bad.

He Wenlin struck while the iron was hot, fearing that her family would regret it, so she quickly completed the procedures.

He Wenlin had inquired about the required procedures before, so she was ready when she came. No matter how much she could borrow, even if the annualized interest rate was higher, she would still have to borrow!

Fortunately, the interest rate and loan amount were better than she expected.

However, the loan will not be released so quickly, and it will not be until next Monday at the earliest.

It’s only been a few days, today is Thursday.

After everything was settled here, He Wenlin contacted Xiao Zheng again and offered a loan of 200,000 yuan. He Wenlin was not sure that he could still borrow 300,000 yuan.

Of course, when He Wenlin contacted him, she was careful and didn't say that she still wanted to borrow money.

"Brother Zheng, I have been loaned more than 10 yuan here, and the annual interest rate is only %, so I'm really sorry. Thank you."

"Have you received a loan from the bank at Construction Bank?" Xiao Zheng on the other end of the phone stood up excitedly.

Xiao Zheng thought he could never get away with this order, but he didn’t expect to be intercepted by Jianshe Bank.

"Yes, Brother Zheng, I will come back to you if I need anything in the future."

"Mr. Xiao He, even 200,000 yuan is not enough for you to buy land and build a factory." Xiao Zheng said.

"It's a little bit worse, but I haven't bought the land yet, and I can't build the factory so quickly. The other two fast food restaurants and the breakfast shop have a daily turnover of more than 3,000 yuan. The food factory has just signed two supermarkets. Save Once saved, it should be about the same.”

He Wenlin didn't mention a word about the loan from him.

But Xiao Zheng was very anxious.

Xiao Zheng said hurriedly: "Mr. Xiao He, how long do you need to save money? In this way, I will help you apply for the annualized rate, use my internal quota, apply to the minimum, and then you can borrow some more from me. If you don't borrow three, One hundred thousand, how about a loan of two hundred thousand?"

"This……"

He Wenlin was extremely happy, but she didn't show it, instead she hesitated.

"Actually, my parents don't agree with the loan, because they can't sleep because of the debt. But if you say so, Brother Zheng, then I will take another loan, but you will have to pay less interest, otherwise my parents and grandma will definitely not I will agree, and I spent a lot of time convincing them to get a loan from the Construction Bank this time."

"Don't worry, I will give you the lowest price."

After hanging up the phone, He Wenlin smiled very sweetly.

Xiao Zheng hurriedly found his boss.

Less than a quarter of an hour later, Xiao Zheng called and asked He Wenlin and his family to come over and talk.

When talking about these three words in the past, Xiao Zheng still wanted to bargain.

He Wenlin didn't agree, saying that her store was busy right now and she didn't have time, so it would be after 1:30 p.m.

Xiao Zheng was eager to complete the order, so the two parties made an appointment at 1:30 p.m.

Dad He was still a little scared when he heard He Wenlin's call: "I have already borrowed so much, that's about it. If I pay back the loan, the interest will be quite a lot for a year."

"Dad, who in business doesn't make money? Does Li Ka-shing still owe money to the bank?"

Dad He expressed disbelief: "A rich man like you still needs to borrow money? The bank lied to you."

"The rich have large businesses and require large amounts of capital to circulate. They must also borrow money. How do you think the bank makes money? Do you think it relies on the interest on people's deposits?

Wrong, it relies on the interest earned on borrowed money!

But isn’t it lent to everyone, including ordinary people and ordinary wage earners?

When you lend it to someone else, you also need to evaluate that person. It depends on your credit and your ability to repay the money. The bank believes that I can afford it, and you also believe in me, OK? "

Dad He felt that what He Wenlin said seemed to make sense.

But when he thought about hundreds of thousands of loans, housing loans, and car loans, he became afraid.

"That's hundreds of thousands!" Dad He sighed.

"There is motivation only when there is pressure. You and my mother, we are a family. We work hard in one place and work together. From now on, we will live in a big villa, drive a BMW and buy a private jet! Buy a yacht..."

Dad He waved his hand: "Okay, okay, I'm afraid I'll be choked to death by your pie before I even get in the car."

"Hahaha, why am I a big pie? It will definitely come true!" He Wenlin said with a smile, "When we get the loan, we will buy a motorcycle!"

Dad He's eyes lit up when he heard about the motorcycle, but when he thought about how much debt his family owed, he felt that he might as well not buy this car.

"Forget it, it's too expensive."

"It's convenient for me to buy a car. Isn't it convenient for me to pick up and drop off my mom and grandma in the future? Buying a motorcycle is convenient for saving money. I take a taxi to the bank. I'm afraid that the driver will ride elsewhere. I won't buy a new motorcycle. Second-hand.."

"Okay, then buy one, but just buy a second-hand one. Save money."

"The difference is only a few thousand, there is no need to save, just buy a new one!"

……

In the afternoon, He Wenlin went to the credit union with Dad He.

Xiao Zheng greeted him warmly.

He Wenlin guessed right. Xiao Zheng's boss did want to bargain, but because He's father didn't want a loan in the first place, he behaved very well. The credit union finally agreed to a loan of 12 yuan at an annualized interest rate of %.

Because grandma, the shareholder, is not here, we cannot go through the procedures today. We have made an appointment to go through the procedures tomorrow, but the loan will not be released until next week.