golden fishing village

Chapter 595 Loan of 5000 million

The villagers quickly lined up and signed the loan contract with the bank staff one by one.This time a total of four bank staff came.The four set up a table in the village hall and started to handle business step by step.

One person is dedicated to signing electronic contracts.The contract template exists on the tablet computer, as long as the electronic contract is signed.Scan the ID card, take a photo, and sign, all in one go.

At the same time, another bank employee was responsible for printing the contract and pressing the fingerprint.

The No.3 bank staff handled the agricultural bank bank cards for the villagers on the spot.

The No.4 bank clerk began to release money after reviewing the information.

A set of process operation is extremely smooth.Soon, there was a long queue in front of all four people.In the villager's auditorium, "Ding dong ding dong" text message reminders sounded incessantly.

"Wow! My loan money has arrived!"

"Me too! I got a loan of 60!"

"Why hasn't mine arrived yet... Haha mine has arrived too! Look, I have 70 in my card!"

In the auditorium, the villagers chatted happily.Whoever signed the contract first has already taken out the loan.The people in the queue at the back were even more impatient, and stretched their necks to look at others enviously.

Chen Weimin shouted from the loudspeaker at the front of the auditorium: "Everyone, don't waste the money! Send it to the bank account of the cooperative. The land use approval for our homestead has come down. As long as the money is in place, construction can be arranged immediately." !"

"As soon as possible, the house can be built by the end of this year. Let everyone live in the new house in June next year!"

When the villagers heard this, they laughed excitedly.

You can live in a new house in a year.

In the past, this was something that was unimaginable.

Here, Fang Ming pulled Ying Xiuxiu aside.He scratched his head and smiled, "President Ying, your loan amount of 100 million is a bit small. I don't have enough."

"Is the loan amount of 100 million still small?"

Hearing Fang Ming's words, Ying Xiuxiu couldn't help but take a deep look at him.She said sternly: "Mr. Fang, you don't want to use the funds to do other things, do you? This loan is for the self-built houses of the fishermen on Moon Island. It is a limited-purpose loan. If you use it for others If you use it, it will be investigated by the head office."

Fang Ming smiled and said, "President Ying, don't worry, my loan is also used to build houses. It's just that I have more houses."

Ying Xiuxiu looked puzzled: "How many?"

According to the bank's internal estimates, the cost of a Moon Island villa should be around 100 million.After deducting the down payment borne by the villagers themselves, each villager should have a maximum loan of more than 50 yuan.

A loan of 100 million is enough to meet the needs of the villagers.

Ying Xiuxiu asked again: "Mr. Fang, how much are you going to borrow?"

Fang Ming made some calculations.

A total of 200 villager villas have been planned for Moon Island this time.

Excluding the ones the villagers live in, there are currently 84 villas left vacant.Among them, Qin Beiwang and Su Liu bought two sets for 2000 million each.

In other words, there are currently 80 villas left that no one wants.

Fang Ming intends to allow the villagers to subscribe for these 80 villas by themselves.If there is any leftover after the subscription, Fang Ming will cover all of it.

He estimated that there would be about 60 villas left by then.

Even if the cost of a villa is 100 million, it needs 6000 million capital.

Fang Ming said a conservative figure, and said, "Probably need more than 5000 million."

"What! More than 5000 million?"

Ying Xiuxiu spat out a mouthful of mineral water.She looked at Fang Ming in disbelief: "Mr. Fang, are you serious? You have a personal loan of more than 5000 million yuan? Do you want to build 50 villas?"

Fang Ming smiled and said, "Not necessarily. I estimate it should be around 60 sets."

"This……"

It took a long time for Ying Xiuxiu's face to return to normal.

Regardless of whether the 5000 million can be loaned out.

Just this kind of large investment is enough to impress Ying Xiuxiu.

You must know that Ningzhou City is just a small third- and fourth-tier city.Dare to take out 5000 million to invest, this is not something that ordinary people have the courage to do.

Not to mention a loan of 5000 million!
Ying Xiuxiu came back to her senses, and said seriously: "Mr. Fang, I'm afraid this matter won't work. The amount you asked for is too large. I don't think I can approve such a large amount of loan."

"After all, Mr. Fang, your name has no assets. So the bank must consider the risk of repayment."

"No assets?"

Fang Ming thought for a while: "I have some shares in the company, I wonder if it's okay?"

Ying Xiuxiu smiled wryly and said: "Mr. Fang, not all company shares are acceptable. Our bank will also evaluate the company's grade and assets. If the company is too small or the company's capital is not enough, then it may not work. Yes Mr. Fang, what companies do you own shares in?"

Fang Ming sighed: "There is a fishing ground, I don't know if it will work."

Ying Xiuxiu immediately shook her head: "Fishing farm? That's definitely not acceptable. There are at least dozens of fishing farms in Ningzhou City. Except for the three fishing farms in the TOP department, which other fishing farms can afford so much money? Mr. Fang, What's the name of your fishery?"

“Jia Ming Seafood.”

"Pfft!"

Ying Xiuxiu spouted another mouthful of mineral water.

Seeing this, Chen Weimin couldn't help shaking his head.President Ying is a nice person, but he just doesn't pay much attention to hygiene.I spit at every turn, I have seen it several times today.

Ying Xiuxiu was shocked and said, "Mr. Fang, Jiaming Seafood really belongs to you? How did I remember that the owner of Jiaming Seafood is Du Qingsong?"

Fang Ming smiled and said: "It used to be Mr. Du. But Mr. Du wanted to retire a long time ago, so he gradually transferred the shares to me. Some time ago, Mr. Du just transferred the last 20% of the shares to me. At present, I am the owner of Jiaming Seafood Market sole shareholder."

"Mr. Fang, why didn't you say it earlier!"

Ying Xiuxiu couldn't help laughing and said, "Jiaming Seafood Market is the third largest seafood market in Ningzhou City! If Jiaming Seafood Market is used as a guarantee, let alone 5000 million, [-] million can be loaned out."

Fang Ming smiled and said, "Correct. If there are no accidents, Jiaming Seafood Market should soon become the No. [-] in Ningzhou City. Moreover, the size of Jiaming Fishery will at least double."

"Then there is no problem."

Ying Xiuxiu pondered for a while: "Then let's do this. Mr. Fang, go through the loan procedures first. Tomorrow, you can give us a copy of Jiaming Seafood Market's business license and shareholder information. Once all the materials are ready, we can do it tomorrow." Loaned."

"it is good!"

Fang Ming immediately called Sun Wenjun and told him to hurry up and prepare the materials.

Ying Xiuxiu asked curiously: "Mr. Fang, you are building 60 villas at a time. Are you planning to invest? The cost price is 100 million, how much are you planning to sell?"

(End of this chapter)