Rebirth of the Hong Kong Tycoon

Chapter 434: The fish bit the hook
(The epidemic has begun again, everyone must pay attention to safety!)
(I find soap to be very drying!)
"Mr. Cauchy, a loan rate of 12.00% is unheard of even in the United States."

Matsui Ichiro looked at the loan interest rate on the contract, one head and two big, even if he went to the sky, he had never seen anything outrageous.

As the director of the credit department, Cauchy personally customized countless loan contracts, and 12.00% was not the most outrageous. After all, there was still 20.00% of the jewels of the Huang family back then.

"HSBC would love to be there to help all great companies get off the ground."

"But help comes at a price. This is neither Tokyo nor the United States. This is Xiangjiang."

"I think even HSBC's Tokyo branch will give the same loan interest rate after seeing Sakura's collateral."

"Also, this is the territory of Great Britain, and only British rules are spoken here."

"Of course, this is not the end result, it's just a proposal."

Cauchy didn't say anything to death, leaving a lot of room for it.

Hong Kong is a free port, and any money can enter at will.

But even with such convenient capital exchange, Sakura Company has no financial support and can only seek loans.

This also shows the predicament of Sakura Company, it is difficult to move without money.

For the million Hong Kong dollars that Sakura Company needs, only HSBC in Xiangjiang can lend them.

Hengfeng and Yongan only deal with Chinese capital, while Standard Chartered only deals with foreign firms.

Doing business with these banks is about relationships, acquaintance guarantees, equity transactions, not collateral.

Only HSBC recognizes physical loans and injects fresh blood into Xiangjiang shopping mall.

Ichiro Matsui was so choked up by Cauchy's words that he couldn't refute it. At this stage, the only bank in Xiangjiang that could lend money was HSBC, otherwise he would have to go back to Kanto for mortgage loans.

But even if you return to Japan, it is not % successful. It takes at least two weeks to complete the risk control review and background check.

This step-by-step review process, Sakura Company will not go through, as long as the background check is reached, the approval will be terminated immediately.

"Mr. Cauchy, the loan interest rate of 12.00% is really hard to accept."

"Now the land in Tsuen Wan is expensive, as long as the foundation can be built, it can be sold publicly, and the capital pool will be active again."

Matsui Ichiro continued to argue, wanting to prove to Koshi that the future of Sakura Company is bright.

Ke Xi smiled, picked up the phone, and asked the secretary to serve another round of coffee for everyone. After talking for almost an hour, the two young people still did not accept the reality.

"You two, as far as I know, in the Chief Secretary's urban planning, the domestic waste treatment center and the waste water purification plant are distributed at both ends of the land owned by the Sakura Company."

"The exhaust gas produced by these two will depreciate the selling price of the community infinitely."

"HSBC needs to factor in all these uncertainties."

"After all, we are doing business, not playing games. How can there be a business that only makes money but not losses? If there is, it will not be the turn of the two of you to do it."

Whether it is the silent Qiu Heseng, Matsui Ichiro who is fighting for reason, or the Sakura Club hiding behind, they are all little bugs who can't get on the table.

The glory of the underground world does not need the real society.

The famous Du Yuesheng is a living example. When a big man abandons the chamber pot, he won't even frown.

Unless the funds of this underground organization have been put on a legal cloak, they can wear elegant cloaks, dress up as bankers, and carry out legal business activities, just like the Medellin Group in Colombia.

But it is a pity that the hard power of the Sakura Club is less than one percent of that of the Medellin Group.

"Mr. Kexi, I would like to ask, did someone greet you and ask you to set up obstacles for Sakura Company?"

Qiu Heseng, who had been silent all the time, looked at Ke Xi, who was as cunning as a fox, with sharp eyes like eagle eyes.

How childish!
Cauchy sighed in his heart, and replied bluntly: "People in East Asia are used to mixing love and hatred in their business. These personal grievances will not make people grow up healthily!"

"Business is business, no personal grudges."

Qiu Heseng didn't believe Kexi's words at all, but the million Hong Kong dollars in his hand had been spent almost.

If it weren't for the shipping company still working and making money, they would have been unable to support it.

"I want to know how long is the loan period?"

Matsui Ichiro saw that there was no room for asking for advice on the interest rate, so he asked about the loan period.

"For high-quality big customers like you, HSBC has always had preferential policies, and the interest rate will also fluctuate with the term."

"Semi-annual, one-year, three-year, each has a different interest rate."

"The most favorable is the half-year term, which only requires an interest rate of percent."

"The most is a three-year period, which requires an interest rate of 12.00% and a seat on the company's board of directors. HSBC will send special financial personnel to help your company rationalize its finances."

"As for the one-year term, an interest rate of % is required, and no financial personnel will be dispatched, but all future loan business must be subcontracted to HSBC."

"HSBC only keeps % of the loan interest rate rebate."

"Whether it's half a year or three years, Sakura Company needs to mortgage all of the company's land."

"Please drink coffee!"

Kexi's secretary brought in two cups of coffee, and put a cup in front of Qiu Heseng and Matsui Ichiro each.

The charming secretary smiled at the three of them, brought another plate of almonds produced in the United States, and closed the door to leave.

Because of his old age, Cauchy doesn't like to drink coffee at noon, which will keep him awake all afternoon.

He just picked up a large American almond and put it in his mouth to replenish himself with fat.

"Mr. Cosey, we want to go out for a smoke!"

Matsui Ichiro didn't want to miss the opportunity. He had paid 10 yuan to meet Kexi, the director of the credit department, and he must not waste the opportunity.

"Please go ahead, both of you. I just want to go to the bathroom. I will ask Lily to take you to a special smoking room."

Kexi also wanted to fix the faucet, so he took the two young people out of the office together.

"Lily, take these two gentlemen to the smoking room."

After making arrangements, Cauchy went to the bathroom alone to open the gate to release the flood.

"Qiu Hejun, HSBC is like a lion."

Matsui Ichiro, who had just entered the smoking room, yelled in Japanese without grace before Aki and Monk closed the door.

Regarding the excitement of his companions, Qiu Heseng didn't say anything, but closed the door tightly, waited for a second, and observed that there were no outsiders outside the door, and then said: "This is Xiangjiang, and there are many people who can speak Japanese."

"be careful!".

(End of this chapter)