Chapter 647: 647
Having the bank come to him was a good thing .
After leaving the villa, Xia Lei suddenly said, “Fan Fan, wait a moment, I need to relieve myself . ”
“All right, I’ll wait for you,” said Fan Fan .
Xia Lei went to the villa's bathroom and fished out his phone to call Qin Xiang . “Wait ten minutes and then call my office pretending to be someone from the bank, understand?”
Qin Xiang’s voice came from the phone, “What am I pretending to be somebody from the bank for?”
“You don’t have to bother about that, just keep calling pretending to be whatever executive from ICBC, or the Agriculture Bank or whatever . ”
“Then what should I say?”
“You can say whatever, just speak quietly . ”
“Alright then, I’ll call in ten minutes . ” Qin Xiang hung up .
Xia Lei put away the phone and left the bathroom after waiting two minutes . He left the villa and went to the office with Fan Fan .
The guy Fan Fan had brought wasn’t the company boss, of course, but just a boss of one of the branches . His name was Chen Zhang and he was around fifty years old . He was plump and white, and his luxurious living style apparent .
Chen Zhang was very polite to Xia Lei, standing up to greet him as soon as he arrived and taking the initiative to shake hands with him . A smile filled his face . “Director Xia, I hope my unsolicited visit isn’t a great disturbance to you . ”
Xia Lei chuckled, “Chief Chen is being polite . A few days ago, my people went to your bank but got the door slammed in their face . For you to come unsolicited now makes me very happy, how could you possibly be disturbing me?”
Chen Zhang glanced awkwardly at Fan Fan .
But Fan Fan spoke up for Xia Lei . “That’s right, your bank was in the wrong for not giving Thunder Horse Military Factory the loan . How could you be afraid of not getting back your money with such an excellent company like the Thunder Horse Military Factory? You guys are just sometimes far too careful to avoid offending a certain somebody . Is it useful if they pay you a visit? Is it more useful than the market economy? Seriously . ”
What she said not only made Chen Zhang frozen with shock, but Xia Lei as well . Wasn’t she also involved in the visiting of the banks which led to the non-issuance of loans?
Switching from a bandit to a hero without a single change in expression was really something only Fan Fan could do .
“Ahem . ” Xia Lei coughed dryly and didn’t expose Fan Fan . “Chief Chen, may I ask what you came to see me for?”
Chief Chen laughed . “Director Xia, what else could it be? I know Thunder Horse Military Factory urgently needs a 20,000,000,000 yuan loan . I’ll prepare it right away . Look, I even brought a loan contract with me . Just sign your name and the money will be in your bank account by the afternoon . ”
He really did bring the contract in his work bag . He took it out and two copies of the contract were placed neatly on Xia Lei’s desk .
Xia Lei glanced at the loan contract . He didn’t say if he would sign or not . He peeked at the time on his watch out of the corner of his eye .
Chief Chen smiled and spoke again, “Director Xia, take a look . If there’s no problem, we can sign . ”
Xia Lei said, “There’s no problems, but…”
Ring ring ring!
The private phone in the office rang suddenly .
“I’m sorry, let me take this call first . ” Xia Lei picked up the phone and said, “Xia Lei speaking, who is this?”
Qin Xiang’s voice sounded from the telephone, his voice as quiet as a mosquito . “How many times did you and Long Bing do it last night in the office rest lounge?”
Xia Lei was flabbergasted on the inside but on the surface, he still looked deadly serious . “Oh, so you’re from ICBC… You want to give me a loan? Right, I do need a loan, but… Okay, I won’t mention what happened before . I know you guys have your own problems too . Then let’s be straightforward . I want a loan of 20,000,000,000, how much interest do you want to charge?”
Qin Xiang replied, “I don’t know, but those moans of Section Chief Long almost turned me straight . ”
Chief Chen had no idea of who was actually talking to Xia Lei, and what he was saying . He looked at Fan Fan for help, but the latter acted like it had nothing to do with her .
“An annual rate of 4 . 2%?” Xia Lei frowned . “Isn’t that a bit high? I know it’s already a good rate, but… 4 . 2% . . . Can’t you make it a bit lower? I’ll think about it then . ”
The annual interest rate for a loan was usually 4 . 6% . ICBC gave him a rate of 4 . 2%, which really was quite very favourable .
Xia Lei had just hung up when the phone rang again .
“Agricultural Bank? I say, what’s wrong with you guys? A few days ago, my people asked you for a loan and you didn’t even want to meet with us… All right, all right, let bygones be bygones . I know you guys have your own difficulties . Why did you call? … An annual rate of 4 . 1? How much for five years? Five years… 4 . 8%? Let me think about it . Wait for my call . ”
Chen Zhang wiped furtively at the sweat on his forehead .
Xia Lei had just put the phone down when it rang yet again .
Xia Lei was just about to reach for the phone with Chen Zhang reached his own hand out to press his hand down . “Direction Xia, don’t answer the phone . How about this — we’ll do five years with an annual interest rate of 4 . 5% . ”
The usual loan interest rate for five years was 5 . 15%, so Chen Zhang’s 4 . 5% annual interest deal was already a huge discount . They would make at least 1,300,000,000 from the 20,000,000,000 over five years .
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