I Am a Nobleman in England

　　 "咚咚——"

　　 "Please come in."

　　 "Earl, financial adviser Robert Long and lawyer James Cronin have arrived."

　　 While Arthur put the picture album in his hand and put the stone in the box, he said to the butler Paul standing at the door: "Please come in."

　　 "Okay, count." Paul the butler nodded slightly in response, then turned and left.

After installing the picture book and the stone, Arthur put the box aside, stood up and walked to the coat mirror, sorted out the clothes on his lower body, straightened the cap on his head, and walked to the middle of the study, waiting The arrival of guests.

　　 Not long after, the door was knocked again.

　　 "Please come in."

The door was pushed open, and the butler Paul was in front. He reached out and followed two middle-aged men in suits with meticulous combing and meticulous hair combing. They looked very capable middle-aged men. Both of them managed their bodies more successfully. They didn’t have a big belly. The pair of glasses is James Cronin, a lawyer familiar with Arthur, so it goes without saying that the other is Robert Lang, his Boleyn family's asset management consultant.

　　 "Good afternoon, MyLord."

　　 "Good afternoon, MyLord."

Regarding the two very gentlemen’s greetings, Arthur also smiled back. To tell the truth, the British are really hypocritical. On the one hand, they reject the aristocracy, but when they really meet the aristocracy, they will maintain the etiquette and courtesy of the aristocracy. Respect, I can't wait for them to become a member of the nobility.

　　 "Please sit down, what can you drink? Coffee or black tea?"

　　 Arthur smiled calmly and entertained them to sit down, and then asked politely.

　　 "Black tea, thank you."

　　 "I am also black tea, thank you."

　　 Arthur smiled and nodded, looked at the butler Paul on the side and smiled: "Paul, three cups of black tea."

　　 "Okay, please wait for the count and the two." Paul the butler said with a smile, and then walked towards the door with his head up.

"Lord, this is part of the tuition fee returned by the Castle School of Management...a check for £15,000." The lawyer James Cronin took out an envelope from his purse and handed it to Arthur with a pale face. Explained with a smile.

　　 "Hehe, I knew that it was the most correct decision to leave this to you, and you won't disappoint." Arthur took the envelope, raised the corners of his mouth, and praised with a happy smile.

　　 "Thank you for your compliment, this is what I should do." James Cronin responded with a smile.

　　 Arthur opened the envelope, took out the check inside, took a look at the number, and then reloaded it into the envelope. This is also the first loss he recovered as the earl. It is worthy of joy.

　　In the time when the three of them were chatting, Paul the butler led the waiter with black tea into the study. After pouring the black tea, the waiter left, and Paul the butler stood beside Arthur as always.

When the three of them drank a few sips of black tea, Arthur took the lead to put the teacup on the table and looked at his lawyer and consultant with a smile and said: "I will invite two people over this time, mainly because there is one thing I need two people to help. ."

　　 Both Robert Long and James Cronin put down their tea cups, glanced at each other, and said one after another: "I am willing to help you at any time."

　　 Arthur smiled and nodded, without going around in circles, he said straightforwardly: "I want to use the land of Bolin Manor to mortgage the bank..."

Although Paul, the housekeeper who has been standing next to Arthur, was prepared, he heard a helpless expression on his face when Arthur said it himself. He could not understand why Arthur had to take this step. A pound loan, the annual interest generated by the estate's output value and the profits of the newspaper and publishing house are a huge burden. If it is not done, it will go bankrupt and the risk is too great.

Similarly, Robert Long, a consultant who understands the financial situation of the Bolling family, frowned. Starting with the old Earl Francis, he has served the Bolling family for more than 15 years, although now due to the issue of inheritance tax, There are some problems with the financial situation of the Boling family, but as long as the income is reduced and the expenditure is kept for two years and the economic environment improves, the financial situation of the Boling family will return to balance. There is no need to take such a big risk to borrow from the bank.

"Lord, in fact, the financial situation of the Bolling family is still good. It is of good grade. There is no need to borrow from the bank. If you are worried about the debt problem of the Southern Daily Echo, I have a solution here. Any loss will wipe out the debt."

Regarding Robert Long’s advice, Arthur did not show any discomfort. After all, the other party was also out of good intentions. He had to say that the people his cheap father left him were very good in character and ability, and he was also What the other party said that the debt can be easily wiped out aroused interest.

　　 "Oh? What can I do?"

　　"In the first two months, the government has just amended some provisions of the bankruptcy law, and the bankruptcy conditions have become more relaxed. It only takes one year for enterprises or individuals to complete the entire bankruptcy process and discharge their debts smoothly.

As long as we put the "Southern Daily Echo" newspaper into bankruptcy protection, we can complete the procedure within December and then easily wipe out all debts. This method has been implemented by many business representatives or individuals from other European countries. , Totally feasible. "

　　 Hearing this, the corners of Arthur's mouth twitched, and he complained, can TM's be so shameless? Thinking, turned his gaze to the lawyer James who was aside.

"It is indeed feasible. Compared with other European countries such as Germany, Austria, France and Iceland, our bankruptcy conditions are extremely relaxed. Taking Germany and Iceland as examples, due to the imperfect German bankruptcy laws, general companies or individuals have to wait 6 years after declaring bankruptcy. Debts can only be discharged in 9 years, and bankrupt companies or individuals in Iceland have to wait an average of 12 years.

　　 We can complete the procedure in December and get rid of bankruptcy restrictions and debt difficulties. Lawyer James nodded and explained to Arthur who was looking at him.

　　 Well, it can really be so shameless! Sure enough, the old capitalist countries will play. . . . . .

If it weren’t for making money with money and investing, maybe he would really use this method to pit the bank and wipe out debts. However, this method will not work now, because he cannot bear the burden of bankruptcy and he needs to get from the bank. Borrow money, borrow tens of millions of pounds!

"Haha, a good way, UU reading www.uukanshu.com, but it's a pity..." Arthur shook his head and smiled, his eyes were firm, and he looked at Robert Lang with a serious expression and continued: "I still insist on using the manor land as mortgage. To borrow from the bank, I need this money, very much!"

Hearing the firm and persistent attitude in Arthur’s words, Robert Long frowned slightly and looked at Paul, the butler standing next to Arthur, without any trace. Paul nodded at him with a helpless look. Robert Lang was also quite Feeling helpless, there is no way, these assets belong to Arthur Boleyn, he can deal with it whatever he wants, but Robert's eyes look at Arthur with an invisible indifference and contempt.

　　 "Lord, how much do you want to borrow?"

"Of course the more the better. I know that Boleyn Manor has consulted with the appraisal company before. It is worth 40 million pounds. If possible, I hope it will be a 40 million pounds loan." Arthur keenly felt a change in Robert Lang. , However, he didn't care, but said indifferently.

Robert Lang twitched, shook his head and said, "Impossible. Banks will not lend in full based on the assessed price. Moreover, in the current economic environment, you should also know that major banks have already tightened their lending business. Commercial land is falling, and the land of the manor cannot be used for commercial development, so the value will be discounted by the bank.

　　 Fortunately, because of the financial crisis, the central bank lowered the benchmark interest rate to 0.5% in March this year to promote the increase in the number of mortgage loans. Accordingly, the mortgage interest rate for investors has also remained at a historically low level. The loan interest rate can generally be controlled between 2.8% and 3.5%. For local residents living in the UK for a long time, if their income and credit history are good, the mortgage interest rate can be as low as 0.99%. . . "