I Am a Nobleman in England

　　London, the name of this city, was the first time Arthur knew it when he was a child, or through the TV series Sherlock Holmes in the early 1990s. The imprint left to him is the continuous gray rainy days, and the cold light from the fog in the alley.

　　 Reflected under the street lamp, holding a cane, wearing a top hat and a cloak, walking on the gravel road with a black back, as well as thieves and ragged children. There is no sun there, but the streets are muddy and dirty. The evil old society should be like that.

　　 N years after growing up, he did not expect that he would come to London in a traversal way, and at the same time, he also broke the brand of many stereotypes.

　　 There are not only cloudy and rainy days, but also blue skies, with big clouds passing by the spire of Big Ben. The famous 18th-century Royal Deer Farm in Hyde Park, inlaid in inches of gold, showcases luxury.

　　 Emerald green and clear blue and white clouds form a beautiful picture of ease. The industrial revolution once brought it away without any pollution, and the "fog city" has become history. The sky is no longer gray and drizzle, and there is no longer a wet street underneath.

In the early autumn, in the warm and sunny morning, Arthur's life fit and neat suit, white shirt, blue tie, a pair of black leather shoes, and a pair of gold glasses, a complete set of business elites, where to return There is the slightest trace of street gangsters.

　　 I am afraid that even if they pass by the friends of his predecessors, they will not recognize themselves.

　　 Arthur was followed by James Lawyer and financial adviser Robert Lang. While stepping on the stone steps, he walked into London's Santander Bank, looking at his reflection in the glass door of the bank, as he thought.

For him, everything in the past has been a matter of fact, and he never thought about going to the streets again, and lost his cell phone. Therefore, all the memories of his predecessor, London, were deliberately lost by Arthur. Your own world is already different!

Stepping into the lobby of the Santander Bank, Arthur and the three of them were greeted by the bank’s credit manager who had been waiting for a long time in the VIP lounge on the second floor. Greetings, after the coffee cuts, the name of the Santander Bank’s Jerry Jones The credit manager of with a smile and respect, said very politely.

"YourLordship (Your Excellency), I believe you also understand the specific situation. At the moment, all banks have become more cautious in lending after suffering huge bad debt losses, and they have stricter review of lenders. We can fix two-year fixed loans The reduction of interest rates to 1.66% is already very sincere.

The current real estate market prospects are unclear, and the value of land is shrinking seriously. Although our bank is very interested in your loan project, we will take a lot of risk if we really want to make a loan according to the asset assessment amount you submit. Therefore, Hope you can understand the difficulties of our bank. "

Hearing these words, Arthur had to sigh that the other party could talk. At least the service attitude was really good. There was no sense of superiority and unwillingness to answer. It sounds very comfortable, and it does have a kind of peace and wealth Concept.

However, the words are nice, but the truth of the matter may not be the case. Banks have indeed become cautious in lending, but on the other hand, large amounts of rescue funds have made their funds very abundant. Banks are also very keen to increase the level of mortgage loans. Use savings. However, he is not very keen on real estate and land mortgages.

Moreover, Arthur believes that even if banks reduce the price to 1.66%, they can still get a 10% return on loans. Although the profitability is much lower than before the financial crisis, it still exceeds that of most major banks in the past two years. Low profitability.

　　 For the bank's idea of ​​not only lending out a little money to reduce his risk, but also wanting to collect interest to make himself profitable, Arthur naturally understands it, but to him, it is not so good.

　　 "If we insist on the asset evaluation data submitted by us, how much can your bank lend us at most?"

　　 "70%, based on the total assets of 40 million pounds, we can only lend you 28 million pounds."

　　 The other party answered quickly without any hesitation. This made Arthur frowned slightly. After a moment of indulgence, he looked at each other, shook his head and said, "Seventy percent is too little. This cannot meet my psychological expectations. I believe your bank should review it. According to the information on the manor, the profitability of the manor is very stable. In addition to the fixed farm rent, there are also EU agricultural subsidies. I believe these are sufficient to guarantee the ability to repay the loan.

And I am a writer. I have just signed two contracts recently. One of them sold the film and television rights for a high price of 750,000 pounds. The novel will be published in the near future. The other has also been signed with the famous multinational publishing group. The bookstore has signed a publishing contract and will publish it in the near future. So your bank does not need to worry about my ability to repay! "

When these words were said, the expression on the face of the credit manager named Jerry Jones changed slightly. He looked suspiciously at the financial adviser Robert Lang, who had been negotiating with him, and seemed to ask again, why didn’t he hear it before. Did you talk about it?

"Sorry, these two commercial cooperations were only reached not long ago, but, indeed, as our boss said, the last thing your bank has to worry about is the repayment ability of our boss, because our boss is an absolute high-quality customer." Robert Lang spoke, explaining the other side's doubts.

　　 "That's it..." After listening to the explanation, Jerry Jones couldn't help but frown and think. After a while, he looked at Arthur and smiled and asked, "Your Excellency, what is your mental number?"

　　 "If I can, I hope it will be 40 million pounds. After all, my estate is estimated to be worth more than 40 million pounds."

　　 "Sorry, sir, this number will definitely not pass, the risk is too high, 75%, what do you think?"

　　 Arthur smiled and shook his head~www.readwn.com~ He didn't want to test each other little by little, and turned his attention to his financial adviser. This kind of bargaining matter should be handled by his men.

"It's too low. This is too different from the estimated price of our manor. We are obviously at a disadvantage. 95%. I believe this number is fair after all." Robert Lang naturally saw the look Arthur gave him. He didn't hesitate to start a bargain with the other party.

Ten minutes later, Robert Lang and the other party did not come up with a result. The main thing is that the credit manager on the other side can only give Arthur 75% of the total assets of the loan, if it is higher. He must report the loan ratio, which is ultimately determined by the above.

"Sorry, sir, I can only increase it to 75%, but I will report the situation truthfully. You are definitely a quality customer that our bank needs. I believe there will be a good result. This will take a while , Please be patient."

　　 Before Arthur decided to temporarily end the discussion and prepare to leave, the credit manager Jerry Jones explained very sincerely that it seemed that the other party did not want to lose this opportunity for cooperation.

　　 "Understandable, then I will wait for your good news, goodbye." After Arthur smiled lightly and shook hands with the other party, he took the person away.

　　Walking out of the Santander Bank's door, Arthur said to Robert Lang beside him: "Halifax Bank, how much is it willing to lend us?"

　　 "30 million pounds, but the interest rate is slightly higher than that of Santander, with an interest rate of 1.7%. If the loan amount is the same, we need to pay 1,000 pounds in interest per month." Robert Lang replied immediately.

　　 Arthur frowned slightly and nodded, "Let's go, see what the Halifax Bank says in the afternoon."