golden fishing village

Chapter 593
"What's so happy about it?"

As soon as Fang Ming walked to the door, he heard laughter coming from the yard.He opened the door and went in, and said with a smile, "Could it be that there is a pie in the sky?"

In the yard, Chen Weimin, Fang Jinxin and others were sitting and drinking tea.

In addition, Ying Xiuxiu, the president of the Agricultural Bank of China, was also there.When she saw Fang Ming, she quickly stood up and said hello, "Mr. Fang, good morning."

Fang Ming smiled and nodded: "President Ying, are you here so early?"

Ying Xiuxiu smiled and said, "Isn't this about the Moon Island loan matter? If I finish this matter early, I'll settle my worries earlier."

Fang Ming smiled and said, "President Ying's assessment of deposit tasks can also be completed earlier."

Ying Xiuxiu glanced at Fang Ming feigning anger: "Mr. Fang, the villagers' loan this time is a matter of mutual benefit. Besides, I really want to seek some benefits for the fishermen. Don't always think of me as nothing. It's like to complete the test."

Fang Ming laughed and said, "It's just a joke, President Ying, don't take it to heart. By the way, how is the loan going?"

Yesterday, Fang Ming and Chen Weimin were both running homesteads in the urban area.With Su Liu's favor, the homestead procedures went very smoothly.If there is no accident, the land use approval will definitely be obtained today.

Now just waiting for the funds from the bank to be in place, the construction can start immediately.

Ying Xiuxiu took out a folded document from her bag and handed it to Fang Ming.She proudly said: "This is the approval from the head office that I got this morning. We are making all the loans on Moon Island into an inclusive financial product, so the head office quickly agreed. I came here today to tell you something first." News. A colleague will come with a loan contract later. After the villagers sign the contract, the loan can be released today.”

"So fast."

Fang Ming took a look at the approval document from Ying Xiuxiu, and immediately showed joy.More importantly, the loan interest indicated in this document is only 4%.Even if it is a loan of 50 yuan, the annual interest is only 2 yuan.

This is equivalent to giving away for nothing.

We must know that the current level of social inflation is 7%.In other words, depositing money in the bank will cost you 7% less each year.

And the interest on this loan and inflation are deducted, which is equivalent to actually earning 3% per year.

Ying Xiuxiu smiled and said, "Because it's an inclusive farmer, the interest rate this time is not high. Mr. Fang, is the condition I gave this time sincere enough?"

Fang Ming returned the reply to Ying Xiuxiu, and said with a smile, "Not bad. But President Ying, 4% interest is still a bit high."

Ying Xiuxiu was stunned for a moment, and said with a wry smile: "How high is this interest rate? Mr. Fang, you have also worked in a bank, so you must know a lot about financial products. Tell yourself in your conscience, is this interest rate already far lower? Is it on the horizon?"

Fang Ming smiled and said, "Don't worry about the level. President Ying, as far as I know, the head office's approval documents are generally guideline interest rates. In the hands of your branch and sub-branch leaders, there must be room for reduction. How about that?" , You can discuss with the leaders to reduce the interest rate by another 1%.”

Ying Xiuxiu shook her head like a rattle: "3% interest? Mr. Fang, this is impossible. 3% is too low."

Fang Ming smiled and said: "President Ying, don't rush to refuse. Now all the banks are promoting loans to support small and micro enterprises, just to stimulate consumption. It's just that these loans are too cost-effective, so you strictly control the number. The interest on these small and micro loans is basically around 3%.

"you!"

Ying Xiuxiu couldn't help but sighed.She looked at Fang Ming and said helplessly: "Mr. Fang, Mr. Fang, I really can't hide anything from you. But Mr. Fang, these small and micro support loans are all policy loans. It is actually no profit for our bank Yes. That’s why we’re reluctant to promote these loans.”

Fang Ming said meaningfully: "This loan may not be profitable for the bank. But for you, President Ying, is it really not profitable?"

"This……"

Ying Xiuxiu also hesitated for a moment.

She also heard Fang Ming's implication.

Although the Moon Island loan did not make any money, it maintained the relationship between her and Fang Ming.And Fang Ming has a very close relationship with the Qin family, and recommending business is also a breeze.

It can be said that this loan is a stepping stone for Ying Xiuxiu to open up the relationship with the Qin family!
Fang Ming then reminded: "In this village, there are two villas bought by Mr. Qin Beiwang."

"Okay! I'll go and apply to the leader right away!"

Ying Xiuxiu immediately walked aside, took out her mobile phone and made a call.She sometimes argued fiercely on the phone, and sometimes smiled and nodded.After more than 20 minutes, Ying Xiu returned to the chair with a tired face and sat down.She picked up a cup of tea and drank it down, then heaved a sigh of relief: "It's done."

"Mr. Fang, I have asked my subordinates to revise the contract. The interest rate in the contract will be revised to 3% later."

Ying Xiuxiu paused for a moment: "Mr. Fang, are you really a fisherman? Why do I think you are better at negotiating business than the old fox! I have worked in the bank for so many years. The loan interest rate is 3% and there are less than 5 transactions! "

Fang Ming poured Ying Xiuxiu a cup of tea himself, and said with a smile, "Thank you, President Ying. This is the camellia from our Moon Island. It can relieve fatigue and soothe your throat. You should try it."

Ying Xiuxiu could only shake her head helplessly, and then took a sip.Her eyes lit up immediately, and she said pleasantly, "This tea is really fragrant! Ah Ming, is this really camellia?"

Fang Ming smiled and said, "Yes. If you like it, I'll give you a package later. President Ying, when will your contract be delivered?"

Ying Xiuxiu looked at the phone and said, "It will take about half an hour. Now it's all electronic contracts, just bring your tablet and come over."

"it is good."

Fang Ming turned his head to Chen Weimin and said: "Village Chief, why don't you let the villagers gather first? This loan is a big deal, so please don't underestimate it. Put other things on hand first."

Chen Weimin said hesitantly: "Amin, is 3% interest very low? If you have a loan of 50, you will have to pay back 15000 interest a year, and 1200 miles a month."

"Do you think we can repay the loan early in the future?"

Ying Xiuxiu looked at Fang Ming with a smile.

Fang Ming replied: "Village Chief, that's not how the loan is calculated. Remember, as long as the loan interest is less than 5%, it is definitely not worthwhile to repay the loan in advance. Whether it is a housing loan or the current loan, don't pay it in advance. Repay the loan. Because after accounting for inflation, this is the bank sending us money.”

Chen Weimin didn't know much about it.

But he still nodded and said: "Okay. Since you think it's good, Amin, then I will definitely believe you. I'll go get everyone together right away."

With that said, Chen Weimin hurriedly got up and left.

Ying Xiuxiu took another sip of her tea.

She said pleasantly: "Mr. Fang, your tea is really fragrant. Are these teas for sale?"

(End of this chapter)