The white moonlight who is fine is not good

Lu Manman took the initiative to talk about the large-scale project that the company is undertaking, and there is a need for financing.

Chen Zhenzhen reads the news every day, so he naturally knows that City S is in the western suburbs of the city, between the new high-speed railway station and the intersection of the expressway, and plans to build a large-scale freight logistics park.And the winning general contractor of this logistics park is Lutou Group.

This kind of project involving urban construction planning has the government's BEI background, and usually major banks are very willing to participate.However, if this kind of high-quality project can be brought to the bank, it generally tests the 'hand speed' of the bank clerk's participation...

This kind of speed is not to intervene from the news broadcast, but to pre-negotiate the business based on the undercurrent before planning, and when it is made public, the financing plan is almost finalized.Therefore, in addition to the necessary professional sensitivity, this kind of 'hand speed' comes more from some kind of internal relationship management.

The mortgage financing plan recommended by the housing and construction department is not ideal for Land Investment Group.So when Lu Manman and Chen Zhenzhen met today, they wanted to ask them if there was a more cost-effective repayment method that could reduce the financial cost of the project.

The original investment and financing plan was spread out in front of Chen Zhenzhen... When Lu Manman slowly cut off a corner of the steak and asked Chen Zhenzhen "sincerely" exuding the aura of a boss, Chen Zhenzhen felt a little bit elated.

What do social animals who work in banks lack the most?

Quality business of course!Deposits~loans~~Although Chen Zhenzhen is sitting on a hollow cushion, his heart is full of hope.

Not to mention that the logistics park project has a reliable background and controllable risks. The land pledge alone can be easily approved by any bank.Although Lu Manman was consulting, he released information that could be leveraged.

As long as the plan is of high quality and can impress the finance department of Land Investment Group, there is a chance.

Where can I still care about eating steak? Chen Zhenzhen stared at the time limit, interest rate, and repayment method on the plan form, thinking carefully, and kept matching the products of his own bank in his mind...

Lu Manman: "If the project is not satisfied with the financing plan, it is estimated that all banks will come to step through the threshold, so we met privately today. This is just a small-scale consultation among friends."

Between friends, in a small area.Upon hearing this, Chen Zhenzhen looked up at Lu Manman, who had a strong aura, and nodded slightly: "I won't talk too much."

Lu Manman: "Yes."

Public release of information can only lead to peer fights.There are ups and downs in the business world. Although the bloody storms among big companies show their talents, face is still important in a certain tacit understanding. Chen Zhen really knows that this kind of cutting-off can only be kept low-key in order to look as good as possible.

Yuan Qixiu acted like a baby to his sister: "Let Zhenzhen try."

Lu Manman's voice was Gujing Wubo: "Isn't he already trying this?"

Chen Zhenzhen glanced at Yuan Qixiu gratefully. Isn't this just experiencing the taste of the strongest relationship.

"I personally think there is still room for optimization, but the specific plan needs to be communicated with the leader, and it will take some time." Chen Zhenzhen said to Lu Manman: "They are all in the financial circle, and everyone's products are seriously homogeneous. I will try my best to give you the best solution." Excellent plan."

"It's okay, the groundbreaking ceremony is still early." Lu Manman said: "Today is just a meeting, you need to raise your tailbone first."

Do you raise your tailbone first?Yuan Qi cultivated everything and said everything, Chen Zhenzhen suddenly felt that there was nothing to be grateful for.

Chen Zhenzhen: "I..."

Lu Manman: "Don't worry."

Of course Chen Zhenzhen was in a hurry, but he wasn't in a hurry for this matter.He said slightly apologetically, "It's not this. I'm worried that when I discuss the specific plan with the bank, it will inevitably leak a little bit of information."

"It doesn't matter, it will leak out sooner or later." Lu Manman waved his hand and said domineeringly: "If anyone comes to inquire, just say that Lu Manman is your sister."

Lu Manman is your older sister, she owns her own business, who dares to say anything?Well, I am the most connected household.

Even if you know it's a nuisance to climb up on relatives indiscriminately!Lu Manman is probably just talking politely!But who would not want to do things with this relationship! !Chen Zhenzhen immediately followed suit and said sweetly, "I'm flattered": "Then, thank you sister first."

Chen Zhenzhen was actually a little apprehensive, would Lu Manman be unhappy if he called her sister so rashly?

But Lu Manman wasn't unhappy at all, he just said, "Well, a family."

family?Chen Zhen really didn't understand.He quietly glanced at Yuan Qixiu who had been eating steak seriously with a pink knife and fork.

Sensing Chen Zhenzhen looking at him, Yuan Qixiu turned his face, and pushed the pink heart pudding and the cherry blossom-shaped dessert spoon over.

Yuan Qixiu: "I remember you liked this."

"..." Chen Zhenzhen: "You eat, you eat."

Yuan Qixiu's long fingers twitched slightly beside the pudding, looking at people with unclear meaning: "I specially left it for you."

Chen Zhenzhen was so stared at that he felt hairy: "You can eat by yourself."

"This friendship." Lu Manman directly rang the service bell and spoke to the outside: "Please bring two more pink heart puddings to our table."

She said to the two men in front of her, "In my store, don't let them come and go."

Chen Zhen really thought it wasn't Kong Rong giving up pears, but since he ordered two more, the three of them were enough.

Chen Zhenzhen: "Thank you."

Lu Manman waved his hand to signal that you are not polite, and then dealt with the affairs on the mobile phone, or lowered his head to eat steak.

Chen Zhenzhen also ate while quietly sending messages to colleagues in the review department, asking for business information on relevant urban construction projects.

Only Lawyer Yuan Da was melancholy holding the pink knife, which was obviously of the wrong size, and was earnestly cutting and eating the meat.

Two heart puddings were brought up quickly. Before Chen Zhenzhen could speak, Yuan Qixiu put the two puddings together with the pudding he pushed over before, and placed them in a triangle shape in front of Chen Zhenzhen.

"?" Chen Zhen really wanted to do this, isn't it just right for each person.

Lu Manman spoke very quickly: "Eat more, my sister's love is for you."

Yuan Xiuqi immediately said: "Eat more, and I will give you my brother's love."

What shit brother and sister?This love... Chen Zhenzhen wants to cry but has no tears: "I can't finish three."

Lu Manman glanced at him, the boss's tone: "Taurus people don't like strawberry flavored things."

Yuan Qixiu: "I am also a Taurus."

What kind of siblings are these?Chen Zhenzhen threw the cherry blossom spoon away: "Is Taurus amazing?"

Lu Manman raised his eyes to look at Chen Zhenzhen, with a disdainful look on his face, and said, "Manager Chen, let's continue talking about business."

Talk about a damn business! ! !Why are these two siblings always threatening people with their business! ! !Chen Zhenzhen didn't dare to look at Sister Lu at all.

Being able to bend and stretch is the professional virtue of financial practitioners. Chen Zhenzhen said: "I eat."

eat?Lu Manman was obviously taken aback, and couldn't help but pursed his lips and smiled lowly.

Yuan Qixiu: "If you like to eat, you can take it away."

Not daring to look at sister Taurus does not mean not daring to look at brother Taurus. There must always be an outlet for unspeakable anger.

"You eat too." Chen Zhenzhen pushed two peach hearts towards Yuan Qixiu, and stared straight at Yuan Qixiu: "Don't waste it."

Yuan Qixiu was stunned for a while, the screen of the phone just turned on, and he ran away: "I'm sorry."

Chen Zhenzhen had no choice but to lower his head and pretend to be good, and continued to sip pudding, while Lu Manman who was sitting across from him suddenly said: "Our parents divorced early, and the family has no time to care about him, so his personality is sometimes a bit extreme, please be more tolerant of him. "

Back to family privacy.Although there was nothing wrong with these words, it always made Chen Zhenzhen feel like they were talking lightly.

Chen Zhenzhen couldn't refuse this sentence: "Um, good."

Lu Manman: "He lacks love very much."

"..." It's more than a simple conversation, Chen Zhenzhen can't answer.

Lu Manman said in a vague and meaningful way: "It's good."

*****

Chen Zhen really didn't want to understand what kind of fate made him and lawyer Yuanda need to live under the same roof for three consecutive nights.

In particular, his twin sister still made him feel so pitiful... Although Chen Zhenzhen has always believed in the fact that the economic base determines the superstructure, he has always firmly believed that he is not qualified to sympathize with the rich.

However, Chen Zhenzhen felt so sympathetic to Yuan Qixiu, a young master with a 'different surname' who was a big boss, but he was living outside... Especially, there was a big business in the logistics park beckoning to him.

Chen Zhenzhen was still very polite: "Thank you for the logistics park."

Yuan Qixiu was holding the steering wheel and was driving to Chen Zhenzhen's house. He said, "It's a little effort, and you have helped me."

"In short...thank you." Chen Zhenzhen said very seriously: "I will definitely make a good plan and live up to the trust of you and Sister Man."

Yuan Qixiu glanced at him sideways, and snorted coldly: "Isn't it natural to call Sister Man?"

snort?The bastard is up again?Chen Zhenzhen questioned him: "What's your tone?"

Yuan Qixiu: "It's nothing, I'm just laughing at myself."

Sudden cold air pressure?His personality is occasionally a little extreme?Need to be inclusive?Lu Manman's words began to echo in Chen Zhenzhen's mind, and he also promised to tolerate him.So should I comfort him now?

How can I comfort you?Chen Zhenzhen was a little embarrassed, so he reached out and patted Yuan Qixiu's right hand next to the car gear.

As soon as Chen Zhenzhen's warm and dry palm touched the back of Yuan Qixiu's hand, Yuan Qixiu paused for a moment, then quickly turned over and held the hand that had just covered the back of his hand.For a long time, he was tightly unwilling to let go.

Yuan Qixiu pursed his lips slightly and stared forward, holding the steering wheel with his left hand, his expression was so serious that he didn't seem to be playing a prank at all.

At this time, Chen Zhenzhen was caught and did not dare to forcibly withdraw his hand, neither did he dare to affect Yuan Qixiu's driving, nor did he dare to affect his inexplicable bad mood.

Holding hands like this, the car drove into the community and stopped in the underground garage. The two of them still sat in the car silently.

"That..." Chen Zhenzhen twitched back, but the good guy still couldn't twitch, so he had to try to divert his attention and find a topic: "Sister Manman, she is so kind."

Yuan Qixiu stared at the steering wheel with a cold face, and chatted to death with one sentence: "A ghostly businessman, no one will send her a good card."

"Ah." Chen Zhenzhen could only talk hard: "But it's pretty good to me."

Yuan Xiuqi: "She should be your own family."

Although Chen Zhenzhen felt that the relationship between himself and Yuan Qixiu had eased, their friendship was at most a friend, and it was certainly far from reaching the level of his own family.Chen Zhenzhen was puzzled: "My family?"

Yuan Qixiu's tone became unclear again: "Otherwise, I would rather offend the relevant department and let you do the business."

This is also what Chen Zhenzhen has been wondering, but dare not ask.Since Land Investment Group can win the bid, it must be able to accept the financing plan at the time of bidding, but why did it suddenly abandon the established plan and just optimize the financial cost?While there was reason and logic to the matter, the style of conduct was unconventional.

In order to give the business to Chen Zhenzhen?

Not so attractive, he asked himself.

"..." Chen Zhenzhen was at a loss for words: "I."

Yuan Qixiu held Chen Zhenzhen's hand tightly, and after confirming that he couldn't escape, he said, "I told her, I'm with you."

Chen Zhenzhen was dumbfounded, and repeated the last four words: "Are you together?"

"Yes, I like you." Yuan Qixiu said: "I liked you the first time I saw you, but there was a misunderstanding at that time, and when we met later, I fell in love with you again, so I decided to let you know .”

"I don't want to wait another two years."

From the day he made the complaint, Yuan Qixiu suddenly changed from a 'hate' to gradually becoming a part of his life.

Chen Zhenzhen once told himself that it was because of work that they had to meet frequently and get along with each other.But since the day before yesterday...they have clearly exceeded the boundaries of their work, even staying together after get off work.

It's so natural, those who are happy, stay together when it shouldn't be natural.

Last night, he was jealous of himself and despised himself, but he never thought about why Yuan Qixiu was willing to stay and take care of his irrelevant self.

He likes me?Chen Zhenzhen was entangled in what Yuan Qixiu said: "But, you said you have a girlfriend."

Yuan Qixiu asked back: "All the colleagues in the Gengzi Mansion?"

"..." He really saw that card!Chen Zhenzhen shook his hand violently, pulled it back, and said, "Let me go first."

Shaking, shaking, even the car was shaking, but Chen Zhenzhen was still being held by the hand.

Yuan Qixiu: "I don't want to let go."

Although Chen Zhenzhen has never met a girl he likes, and although he has had so many different feelings for Yuan Qixiu because of jealousy, he never thought that he would fall in love with a boy.

He didn't dare to go beyond the secular transcendence and joy. He really didn't dare to think about it five minutes ago.

Now, I dare not think deeply.Chen Zhenzhen pleaded: "I'm a bit messed up, I want to go home, why don't you think about it again."

"Whatever I think about, I only think about you." Yuan Qixiu said firmly, "I'll go home with you tonight."

Chen Zhenzhen refused: "No, don't go to me..."

The car had not been turned off, and the air conditioner was blowing. Yuan Xiuqi lightly tapped the accelerator, and the neutral gear also roared.Yuan Qixiu interrupted Chen Zhenzhen: "I'm worried about you being alone, why don't you go home with me tonight?"

Chen Zhenzhen wanted to cry but had no tears: "No no no."

Yuan Qixiu: "If you're injured, I won't do anything to you. I really just worry about you."

Chen Zhen really couldn't move his hands, he was sitting in someone else's car, unable to advance or retreat: "I..."

"I'm even more afraid that if I let you go, you'll ignore me again." Yuan Qixiu: "Since we've said it all, I'll rely on you."

"To reiterate my point, I like you."

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The author has something to say:

Financial common sense science AND small theater

Lu Manman is indeed her own sister, and she also asked about the devil: "I'm curious, equal principal and interest and equal principal."

"..." Chen Zhenzhen paused.

Yuan Qi leaned forward: "I really can't ask? Is the repayment method of equal principal and interest really a conspiracy?"

"I want to hear the truth, but I still want to hear the official explanation." Chen Zhenzhen looked at him with raised eyebrows: "I still pretend to understand."

The person who made the matter looked sincere: "I understood it at first, but after watching some short videos, the more I listened to it, the more I didn't understand it."

"In layman's terms, use this side as an example." Chen Zhenzhen cut off the pasta about five centimeters with a knife, and then straightened the noodles.Pointing to this side, he said: "If it is the same as repaying the mortgage for 20 years, and the length of this side represents the time, if you choose equal principal, the top and bottom of this noodle are equally thick, and the monthly principal is equal to the same amount when divided equally."

Chen Zhenzhen picked up a toothpick with a single point on the table and placed it side by side next to the pasta. He pointed the toothpick from thick to thin, and swiped it.Said: "The interest is like this toothpick, with more in the front and less in the back."

"The reason why the interest decreases month by month is because you repay the principal every month, and the amount of interest-bearing principal in the house decreases."

Yuan Qixiu glanced at the pasta, nodded, and raised his hand again, indicating to continue.

"And equal principal and interest." Chen Zhenzhen squeezed two more toothpicks and placed them on the table with their heads upside down.He snapped his fingers: "It's like these two toothpicks with staggered heads and tails. Because they are complementary, they are the same width when viewed side by side, which means that the monthly repayment amount is the same."

"But you can see that it goes from thin to thick, which is the principal, which gradually becomes thicker as the repayment period increases. And the interest is the same as the toothpick next to the noodles just now. As the principal is returned, the proportion of the monthly payment gradually decreases. "

Chen Zhenzhen pointed to the two sets of noodle toothpicks and double toothpicks, and clapped the table: "Got it?"

Yuan Qixiu shook his head.

"Look at the pasta and the toothpick, are they thick at the front and thin at the back?" Chen Chen pointed at the pasta, looked at the person on the other side nodding, and said, "It's just that the principal was paid more in the early stage and the monthly payment is higher, and the extra repayment will not be paid next month." Interest is calculated, the balance decreases and the total amount of interest naturally decreases."

Chen Zhenzhen pointed to the two toothpicks again: "On the contrary, because the interest is also calculated on a monthly basis based on the principal balance, but the overall monthly payment is low in the first place, and the principal part accounts for a small proportion. Afterwards, the remaining principal will naturally be high, and the interest will also be high. "

"If you repay the principal, the bank will naturally not calculate the interest." After Chen Zhenzhen finished speaking, he rolled a mouthful of pasta with his fork and held it up to continue eating: "Don't listen to the short video about the bank charging interest in advance, and other nonsense .”

"The kind of demonization and misleading did not do science popularization, which only increased the contradiction between the bank and the common people."

"Oh." Yuan Qixiu looked at the mouthful and put it into his mouth, and asked again: "Then which one is better?"

"If you have a lot of money, you don't have to worry about the monthly payment pressure. You can choose the equal amount of principal, but if you have enough money, it's better not to take out a loan."

Yuan Qixiu: "How little money?"

"If you have little money, you can choose any one as long as it doesn't affect your life. But if life is difficult, or the monthly payment accounts for most of the family's income and expenditure, or you can't even repay the loan, then you should not pay for the mortgage. Yes. After all, if a toothpick pricks someone, it still hurts."

"There is no good or bad choice. The equal amount of principal and interest is lower than the previous monthly payment. You should trade time for space. It is the same to return part of the principal in advance if you have plenty."

"So which is better, equal principal or equal principal and interest, is there no conclusion?"

"You're not going to give up, are you?" Chen Zhenzhen poked the pudding into pieces and asked, "Looking at the personal situation, the premise of calculating the total amount of interest is worse than worrying about how to repay the loan, so that the family's cash flow will not be broken."

Yuan Qixiu was educated so much that he could only nod his head.

"Remember the 90s? Fruit costs one or two cents a catty, and meat is only thirty cents a catty. Look at the current prices, what do you find?" Chen Zhenzhen pointed to the Chinese food on the plate and said, "Things are getting more and more expensive, That's inflation."

"Inflation will dilute wealth. You feel pressure to pay 20 a month now, but what about [-] years from now? Live in the moment, silly boy."

Chen Zhenzhen came to a conclusion: "Look at the world with the concept of financial management, and you won't be so anxious."