Kirilenko helped Feng Yu get a bank loan in Ukraine. No matter what, he could not avoid Brother Ke. , but Feng Yu could tell from Brother Ke's attitude that Brother Ke was not very happy with Feng Yu's choice, but he didn't show any obvious dislike. Kirilenko should have talked to Brother Ke.
Feng Yu originally thought that the meeting with the president of the Bank of Ukraine must be at a bank, but Brother Ke's energy was so amazing that the president of the Bank of Ukraine actually came to Brother Ke's home.
"Feng, let me introduce to you. This is Mr. Kovsky, the president of our Ukrainian branch of the Bank of the Soviet Union. Mr. Kovsky, this is Feng from China. He is my good friend in China."
"Hello, Mr. Feng." Kovsky was not too surprised by Feng Yu's youth. He had met many second-generation people from the Soviet Union and thought that Feng Yu must also be a second-generation Chinese boy, otherwise how could they become friends
"Hello, Mr. Kovsky. I often hear them talk about you. I just saw you for the first time today."
Feng Yu's Chinese-style pleasantries had no effect. Kovsky got straight to the point and asked: "I heard that Mr. Feng plans to take a loan from our Ukrainian bank. I don't know how much you plan to loan, what kind of mortgage you use, or Who will guarantee you?”
To put it simply, loans are divided into mortgage loans and guaranteed loans, and the rest are illegal. Of course, it is not that banks have not made illegal loans in an upright manner. For example, Citibank in Hong Kong gave a loan of HK$1 billion to Li Chaoren's young master in a previous life, and the mortgaged assets were not even 100 million, and there was no guarantor.
But Citibank still provided the loan without worrying that the other party would not be able to repay it. Just because this man's father is Li Chaoren, they don't believe that Li Chaoren would watch his eldest son being imprisoned for a mere one billion Hong Kong dollars. Even if the bank fails to win, Li Chaoren cannot afford to lose that person.
Since others can do it at Citibank, Feng Yu believes that it will be even more okay in the Soviet Union at this time.
"Mr. Kovsky. I would like a loan of 100 million rubles."
Kofusky glanced at Feng Yu in surprise, then looked at Brother Ke. He came here this time just to give Brother Ke a face. He originally thought that Brother Ke's friend would just lend him a few million rubles. He never expected that this Chinese man would actually want to lend so much money.
What was he going to do with one hundred million rubles? If it weren't for Brother Ke's house, he would have wanted to turn around and leave just now. Do you know how much one hundred million rubles is
"What did you use as collateral?" Kovsky asked with a frown.
Feng Yu took out some documents that had been prepared long ago. Of course, these documents were all copies, and the originals had long been mortgaged to ICBC in Bingcheng.
Of course, Kovsky could understand the Russian information, but he couldn't understand the Chinese asset certificates at all. He only saw the calculated figures above, which were worth 1.8 billion in total.
Huh. This person has so much money, so a loan of 100 million is definitely not a problem.
Wait a minute, this is China's document. Could it be that the value of the above assets is measured using China’s r
If it is only 1.8 billion rubles, then it is only 30 million rubles, which is far from 100 million rubles.
Mortgage loans from general banks. The loan amount must be lower than the value of the mortgage asset because the risk that the mortgage asset may depreciate must be considered.
Assets of more than thirty million rubles. He can give a loan of 30 million rubles, which is the highest, but he also wants a loan of 100 million rubles.
"How many rubles are the total worth of your assets?"
"Based on the exchange rate at this time, it's more than 30 million." Feng Yu answered seriously.
Kovsky stood up directly: "I think you have found the wrong person. With assets of more than 30 million yuan and no other guarantor, it is impossible for me to give you a loan of 100 million rubles."
Although Brother Ke's reputation is great, it is not so great that it is worth 70 million rubles. What's more, Brother Ke has no intention of guaranteeing anything.
With no guarantor and only such a small amount of assets, he would never lend so much to this Chinese person.
"Mr. Kovsky, don't worry. Look at this document. The number written on it is more than 180 million. As long as the reviewers relax a little, it will pass," Kirilenko said slowly.
"What do you mean?" Kovsky said angrily.
Kirilenko slapped him in the face: "Mr. Kovsky, you are so noble in this matter. I can make the decision for Feng and ask him to give you five hundred thousand rubles and deposit it in your overseas bank account. Five hundred thousand rubles." , how much is your annual salary?”
Although Kovsky is the president of the Ukrainian branch, his annual salary is just over 10,000 rubles. Half a million rubles is his total salary for 40 to 50 years.
Seeing that Kovsky hesitated, Kirilenko continued: "And I can find someone to vouch for him. I can also guarantee that he will repay the loan on time and will never default on it. Mr. Kovsky even Brother Ke and I can’t believe it either?”
"Fifty thousand rubles is too little. You borrowed at least 70 million more rubles to give me such a small amount. I want 7 million rubles."
When Kofsky came, he thought that there must be something wrong with the other party's loan. Otherwise, why would he be invited over? He could just go to the bank directly. But he didn't expect that the other party would want to borrow so much in violation of regulations. He felt that the risk was too great. , he needs a sum of money to make himself feel at ease.
Feng Yu didn't say a word. Kirilenko continued: "Mr. Kovsky, don't you think seven million rubles is too much? We are not just looking after you. One million rubles, with this The money is enough for you to have enough food and clothing."
Feng Yu thought to himself that if he converted one million rubles into U.S. dollars and saved it, he might be able to live comfortably, but if he still saved rubles, he would definitely spend it all in less than two years.
"At least five million."
"It's just one million. You have risks, and so do we. I think I've paid you enough, and people can't be too greedy. But if you can agree to one condition, I can raise the price." Kiri Lenko held up a finger.
"What conditions"
"My friend Feng wants to borrow money for eight years, and the interest will be paid off at the end of the eighth year together with the principal."
"What do you mean? It's impossible for you to pay back the interest in the eighth year." He was under great pressure for such a large amount of loan without paying back the interest first.
"The interest rate can be one point higher than the standard rate, and we can give you two million rubles. Listen clearly, it is two million rubles. Once the loan is obtained, it will be credited to your account immediately."
"That's not okay, it's against the rules."
"Three million rubles, this is the highest price I can give. You have to know that the Soviet Union does not have only one Ukrainian branch." Kirilenko continued to attack.
Kovsky's hand holding the cigar was shaking, and he was very hesitant in his heart. With three million rubles, his wife and children can have a better life, and all this, as long as he is the president of the Ukrainian branch, will not be discovered, and he can even fall on other people's heads. His risk In fact, it is controllable.
Feng Yu waited patiently. He believed in Brother Ji. When giving gifts in the Soviet Union, Brother Ji was obviously more familiar with the "market price" than he was.
Kovsky put out the cigar in the ashtray and sat up straight: "If eight years is not enough, I can promise you six years at most."
Kirilenko looked at Feng Yu, who nodded.
"Okay, six years is six years, but the loan must be disbursed within one month," Kirilenko said.
"If you can find a suitable guarantor, I guarantee that the loan will be released within a week after completing the procedures."
Feng Yu clenched his fists and was very excited. It seemed that the first loan was settled and to be continued.
ps: Thanks to Qianshang Memory for the reward, and thanks for the monthly ticket for Guoyun Yufeitian. The fourth child's father passed by Bingcheng in the afternoon and returned to his hometown. Originally, the fourth child planned to go back with him, but because of the troubles during the Chinese New Year, he decided to postpone his return home and write more to ensure continuous updates during the Chinese New Year. The fourth child has fought hard, so don’t give up on the fourth child.
To read the latest chapters of this book, please go to .9nj;xc. To read simultaneously on your mobile phone, please visit sj.9nj; Please remember our latest website 9nj;xc