After Chen Wei and Zhang Qingxue left Zhao Chen's office, they immediately made an appointment with the person in charge of the bank.
The place where they met was Meeting Room of the bank.
This Meeting Room is on the 12th floor of the bank building, and Floor-to-Ceiling Window can see half of the city.
Chen Wei and Zhang Qingxue arrived ten minutes early.
Chen Wei wore a navy blue suit today, which was more formal than usual;
Zhang Qingxue still wears her hair in a meticulous bun and gold-rimmed glasses, and in her hand is the briefcase that has been with her for many years.
Three minutes later, Meeting Room's door was pushed open.
Walking in front was the branch president, who was in his early fifties, surnamed Zheng, with gray hair but a straight back.
Behind him were manager Credit Department and a female lawyer from the Legal Department.
"Mr. Chen, Lawyer Zhang, I have admired you for a long time."
President Zheng smiled and stretched out his hand, "I've heard about Haoyu. It's not easy to revive it."
Chen Wei holds his hand:
"President Zheng won the prize. I came here today to discuss the Haoyu headquarters with you. I believe you have also heard about it."
President Zheng raised his eyebrows:
"Mr. Chen, tell us more carefully."
Everyone took their seats.
Chen Wei Get straight to the point:
"President Zheng, Haoyu, you should know about the headquarters building.
The net book value is 90 million, and the current market price is more than 130 million. But this building is pledged to your bank and has a loan of 60 million."
She paused:
"We want to sell the building, but according to normal procedures, we have to pay off the mortgage first.
Haoyu If we spend 60 million now, it will seriously affect the progress of the project, so we hope your bank can be accommodating."
President Zheng leaned on the back of the chair and said nothing.
Manager Credit Department spoke:
"Mr. Chen, do you want to transfer the ownership with a deposit?"
Chen Wei nodded:
"Yes. Once the building is sold and the funds arrive, the loan will be repaid as soon as possible."
Manager Credit Department shook his head:
"Mr. Chen, it's not that we can't do this operation, but the risk is too great.
If the building is sold and the money doesn't arrive in time, or if the buyer encounters problems along the way, our loan will be suspended."
Zhang Qingxue pushed up his glasses:
"Manager Li, risks can be controlled.
First, we can provide buyer qualifications and funds are already in place.
Second, the transaction process can be supervised by your bank throughout the process.
Third--"
She paused:
"Henglong is willing to provide full guarantee."
President Zheng's brows moved slightly.
"Henglong guaranteed?" He looked at Chen Wei.
Chen Wei nodded:
"Yes. Zhao Chen Dong has agreed. If there is any problem with this transaction, Henglong will be responsible for taking care of it."
President Zheng was silent for two seconds, and then asked a very first question:
"Mr. Chen, Lawyer Zhang, I have a question."
He looked at the two people:
"Henglong has plenty of cash in its account. Why not apply for 60 million from the parent company and resolve the pledge issue first? Do you have to go around in such a big circle?"
Chen Wei was stunned for a moment and looked at Zhang Qingxue.
Zhang Qingxue pushed up his glasses and spoke calmly:
"President Zheng Good question."
She paused:
"Haoyu is now a wholly-owned subsidiary of Henglong, but the principle of Henglong is that the subsidiary must have the ability to survive independently.
The headquarters can provide support, but we cannot rely on the headquarters for everything."
She looked at President Zheng:
"Moreover, Henglong's cash has other strategic uses. Chairman Zhao is laying out a new track, and every penny must be spent wisely."
President Zheng thoughtfully:
"So you would rather transfer the ownership with a deposit than use the parent company's cash?"
Zhang Qingxue nodded:
"Yes. Haoyu needs to take this step on his own. This is also Chairman Zhao's trust in Mr. Chen."
President Zheng looked at Chen Wei, with a hint of scrutiny in his eyes.
Then he laughed:
"Zhao Chen, I have heard of this person. He is young, but he is stable in his work."
He looked at Manager Credit Department:
"Lao Li, what do you think?"
Credit Department Manager thought for a while:
"With Henglong guarantee, the risk is indeed controllable. But there is still another problem - time.
The process of transfer with deposit is more complicated than normal transactions and takes at least two weeks.
If the market changes during this period, buyers will regret it..."
Chen Wei took the call:
"Manager Li, we have signed an agreement of intent as a buyer, and the liquidated damages have been set very high.
The cost of them going back on their word is much greater than completing the deal."
Manager Credit Department nodded, but the expression on his face was still hesitant.
President Zheng looked at him:
"Lao Li, let me know if you have any ideas."
Credit Department manager thought about it:
"President Zheng, Mr. Chen, it's not that I disagree. But according to our bank's rules, there must be rigid protection for transfers with security.
Henglong The guarantee is only one level, but it would be safer if the buyer's down payment could be deposited into the custody account first and then released after the transfer is completed."
Zhang Qingxue frowned slightly:
"Manager Li, we have also talked with the buyer.
They are willing to pay a 30% down payment, but require that the money be used to release the mortgage and cannot be frozen in the custody account for too long."
Credit Department Manager shook his head:
"That won't work. A 30% down payment is only about 40 million, which is still short of a 60 million loan.
In case something goes wrong in the middle, our Risk Exposure is too big."
Chen Wei looked at President Zheng:
"President Zheng, please give me a plan."
President Zheng pondered for a moment:
"Let's do this. First, we want Henglong's letter of guarantee to be formal and unconditional.
Second, the buyer's down payment is increased to 40%, and the first payment is transferred to our custody account.
Third, the fund transfer after the transaction is completed must be supervised by us throughout the process."
He paused:
"If these three conditions are met, I will sign."
Zhang Qingxue quickly thought through it in his mind:
"President Zheng, 40% down payment, we can discuss it with the buyer.
But how to supervise the whole process of fund transfer, how to operate it specifically?"
President Zheng said:
"It's very simple. After the money arrives, repay the loan Principal and Interest first. The rest can be freely used by you."
Chen Wei thought for a while:
"What about the time? How long does it take from signing the contract to disbursing the loan?"
President Zheng looked at Manager Credit Department.
Manager Credit Department said:
"If all goes well, two weeks."
Chen Wei shakes his head:
"It's too long. President Zheng, in two weeks, the market direction may change. Can you compress it to one week?"
President Zheng was silent for a few seconds.
Then he looked at the Legal Department's female lawyer:
"Xiao Zhou, what do you think?"
Lawyer Zhou pushed up his glasses:
"From a legal perspective, one week is indeed a bit tight.
But if Henglong's letter of guarantee can be issued on the same day, the buyer's down payment will arrive the next day, and the transfer and loan will be completed within a week, it is theoretically feasible."
President Zheng nodded:
"That's one week. But there is one thing - if there is any problem in the middle, Henglong will intervene as soon as possible."
Chen Wei stood up and stretched out his hand:
"Deal."
President Zheng holds her hand:
"Mr. Chen, you Haoyu now have a good backer. Work hard."
Chen Wei laughed:
"Thank you President Zheng."
This problem is perfectly solved.
Walking out of the bank building, Chen Wei let out a sigh of relief:
"Lawyer Zhang, I really don't know what to do with the 40% down payment just now."
Zhang Qingxue pushed up his glasses:
"We have to talk whether we have a bottom line or not. You represent Henglong, so you can't show your cowardice."
Chen Wei laughed:
"Then I will learn more from you in the future."
Zhang Qingxue rarely curled his lips:
"Let's go back and report to Xiao Chen. He must be looking forward to the results we bring back."