The big boss asked for help.”

After a pause, he lit a cigarette and started smoking, and said, "For a 40 billion Hong Kong dollar project, Yong'an Group's question size is too small. Even if Hua Xia United Bank fully supports him without looking at the review data, I'm afraid he won't be able to afford it." Li

Sir, you should have done some research, Yongan Group has prepared no more than 30 billion Hong Kong dollars."

"In other words, will Hua Xia United Bank help solve the gap of HK$10 billion?" Li Bancheng asked immediately.

Gao Jian did not answer, but smiled and said, "Li Sheng, this is the secret of our bank."

Li Bancheng smiled and joked, "Understood, Mr. Gao, if Changshi Holdings borrows money from Hua Xia United Bank, how much amount can you give?"

"Hua Xia United Bank has sufficient funds available. It depends on your determination, Li Sheng." Gao Jian said with a smile.

Li Bancheng thought for a while and said, "For the mortgage, use the shares of Changshi Holdings as collateral."

"If the assets are mortgaged, we can give about 50%. The details need to be investigated." Gao Jian thought for a while and said.

Instead of calculating market value for you, you must calculate asset value.

Li Bancheng made some calculations. In this case, the gap of 5.5 billion Hong Kong dollars can be solved. The current market value of Changshi Holdings is more than 30 billion Hong Kong dollars, and the asset value is more than 10 billion Hong Kong dollars.

"Mr. Gao, what about interest?" Li Bancheng asked with a smile, his expression not showing any inclination, even if he wanted to ask for help.

Gao Jian thought for a moment and said, "Twenty percent off. This is the bottom line of my authority. If it is lower, I will have to go to the board of directors and report to the big boss. Moreover, Li Sheng, we are not a listed company, so the loan agreement needs to be kept confidential.

"

In other words, Cheung Kong Holdings cannot disclose the details of this loan.

"Understood." Li Bancheng said.

Gao Jian thought for a while and said, "Principal and interest installments, interest first and then principal, or principal first and then interest, are all fine. If it only takes one year, you can repay the principal and interest when it is due."

To put it bluntly, Li Bancheng can choose freely.

Li Bancheng said, "I hope it will be a long-term loan. Our funds will not be withdrawn that quickly. How about five years?"

"Li Sheng, in this case the interest will be as high as more than 2 billion Hong Kong dollars." Gao Jian reminded.

Li Bancheng made a calculation.

Gao Jian said in a deep voice, "Li Sheng, you must have a way to quickly realize the 10,000-acre plot of land in Central. There is no need to pay such high interest to solve the temporary financial difficulties. Why not choose a one-year short-term loan?

The interest is a little higher, but the total interest is very cost-effective.”

He paused and said, "Find some bridging funds before expiration, and apply for a short-term loan for one year. In two years at most, the 10,000 acres of land in Central will be able to generate profits, right? In this way, just from

It will save one billion Hong Kong dollars in interest."

Undoubtedly, this is a very cost-effective way.

But there is a question, why does Gao Jian want to help Changshi Holdings so much? Li Bancheng raised this question with a smile.

Gao Jian shook his head and smiled bitterly, "Li Sheng, actually you have guessed it. The land of 10,000 acres in Central is a huge piece of fat. Our bank wants to participate. Apart from providing financing to real estate companies, there seems to be no better way.

Already."

"Hua Xia United Bank has just developed. Your company is worried about the lack of development funds, but we are worried about too many deposits and lack of investment channels. You also know that Hua Xia United Bank's business in Russia and Eastern Europe is developing rapidly, and most of them are ordinary people.

Our savings business is also under great pressure. Using this method, you can get scarce funds at the lowest cost, and I can also have a bright project to explain to the board of directors and the big boss."

It can be said that it was heart-breaking.

Li Bancheng has no hesitation anymore. The matter is complicated but also very simple. In his opinion, as long as the bank dares to borrow, he dares to ask for it, and the interest is 20% off. Borrowing from other banks also requires asset mortgage, otherwise it will be as high as 55

No bank dares to grant credit for a loan of HK$100 million.
Chapter completed!