Blackstone Code Chapter 63: Being a grateful person can gain more friendship

"The total is... 3.24 million!"

In Joe Grimman's office, he looked at the statistics book in his hand in amazement, and couldn't help but let out a tone of amazement.

When Lynch told him that he had several million in collateral, Joe Grimman thought it was probably an exaggeration, as is often the case in finance.

Various installments, discounts, and discounts make people never have much confidence in the numbers that others say, but Lynch gave him a surprise.

He put down the statistics sheet and adjusted his sitting position a little, "It's an amazing number, but you should know that I can't lend you money according to the estimate, it can only be 50% at most, no more! "

He dialed the statistics sheet with his hand again, and the expression on his face showed some regret, "These are not high-quality resources, and the risk of the bank is still very high, so..." He shrugged and looked again. to Lynch.

Banks have their own professional appraisers. When they count these things, they find that there are no valuables that are very tight and can be sold immediately, such as precious metals, such as gold, or some jewelry that are easy to cash. thing.

On the contrary, there are some things that are not easy to get rid of, such as some daily necessities and some utensils, most of which are houses and cars.

Sabine is not a big city, it is not the capital of a state, nor is it the center of the federation. The value preservation rate of houses here is not very safe, and most of the houses mortgaged in these agreements are ordinary community houses, and there is no middle class. Class neighborhoods and uptown houses.

The most valuable real estate in small cities basically refers to those houses in the middle-class neighborhoods and top-class upper-class communities. They have the best locations, the most beautiful views, and the most complete supporting services.

Such a house can be easily sold. As long as it is lower than the market price, 10% to 15%, it can be said that it can be sold immediately.

But this is not the case for houses in civilian communities. Real estate development in civilian and slum areas, especially residential development, is a thankless thing, and a slow sales cycle can easily drag down real estate developers.

In addition, some people like to mess around. Those poor people like to break into and live in houses that are not for sale, and often cause some trouble.

The local laws of some federal states have stipulated that after living in someone else's house for a certain number of years, they can naturally acquire the property rights of the house, which also makes many people more keen to find those unsold houses to live in, Or find a vacant house that has been relocated.

The chaotic environment of civilian areas and slums, and all kinds of creepy street culture are the reasons that restrict the rise of these housing prices. This is not to say that they are not valuable, but it is difficult to realize their actual value.

The same is true of cars. There are no luxury car brands, most of them are ordinary car brands, and there are still some years. Some appraisers think that they may be stolen cars that give up accountability.

The road to realization of these things is full of twists and turns. It is difficult to say whether the capital can be guaranteed if it is really hit.

If Lynch really wants to exchange these things for a sum of money, and it is only this transaction, Joe Grimman will be more cautious, and even refuse to do business with Lynch, he would rather not have this transaction trade and are not willing to take risks.

But he already understood Lynch's thoughts. The money he gave Lynch, Lynch would give it to Gatnau Finance Company, would achieve continuous rotation.

By then there will be more similar agreements being mortgaged to the bank, which will eventually roll out a staggering number, so he doesn't mind this kind of business.

Joe Grimman thought for a while, "I'll give you a maximum of 1.6 million!" He felt that the price was quite safe, and Lynch had no need to object. 1.6 million, he could get it To 160,000 service fees, and almost double to double the expected benefit income.

This transaction alone brought Lynch at least no less than 250,000 income, which is much faster than changing change, and he does not need to pay even a penny of interest to the bank.

This part of the interest is paid by Gattenau by entrusting Dyson Asset Management with full management of these assets and paying a "management fee" for it.

In other words, during the whole process, Dyson Asset Management completely cut the relationship between Gatnau Finance Company and Jinhui Bank, which is the basis for the cooperation between the two parties.

Lynch agreed without getting more shares, which made Joe Grimman more favorable to him, and his face also had a lot of smiles, "Do you want a check, a cashier's check, a money order, or an account. transfer?"

Up to now, the six major federal banks have limited cheques. They cannot issue cash cheques worth millions, not even transfer cheques. Cheques are too easy to be faked. Coupled with some technical reasons, it is difficult to accomplish.

Joe Grimman actually meant petty cash checks, but apparently Lynch had a different view.

"I want cash!" Joe Grimman was stunned as soon as he said it. It wasn't that the bank couldn't take out the cash, it was just that a large amount of cash required a series of procedures to come out of the closet. Let two people from the police station cooperate.

Looking at Joe Grimman's expression, Lynch frowned slightly, then stretched it out at random, as if he didn't care to ask, "Can't you?"

Joe Grimman thought for a moment, and finally nodded, "It's not impossible, it's just very troublesome, there are many processes, I have to make documents first and then send them to the branch and headquarters, and some other The judicial process will take at least four to five days.”

"I can wait!" In the face of these difficulties, Lynch did not flinch at all. The two looked at each other for two or three seconds, and Joe Grimman nodded, saying that the deal would be completed as soon as possible.

Lynch stood up at the right time, "Then..."

Joe Grimman also stood up and stretched out his hand across the desk, "Happy cooperation!"

After sending Lynch away, Joe Grimman smiled and shook his head. He knew why Lynch asked for cash, and his attitude was so tough.

A certificate issued by millions of cash is enough for Lynch and the others to confuse more cash. To put it simply, the bank issued a certificate to prove that Lynch took 1.6 million in cash from the bank, then In the subsequent work, as long as the amount of cash he took out at one time does not exceed 1.6 million ~IndoMTL.com~, it can be said to be legal, as long as he is smart enough.

In other words, Lynch can mix more, one million, two million or even more money into this certificate and wash it thoroughly. What a smart person!

After signing this deal and a series of follow-up cooperation in the future, Joe Grimman was in high spirits. In the evening, three of his subordinates invited him out to celebrate. They would probably get a lot of this deal. Commission, they have reason to indulge.

This is the daily routine of working with money, making money, making big money, and then completely indulging in a constant cycle.

Joe Grimman declined their invitation. As the manager of the credit department, it was not suitable for him to appear with them at this time. He needed to avoid it.

Parked the car when driving back home, and subconsciously checked the mailbox when passing by the yard. People like him receive letters from all over the country every day, some are from colleagues, some are self-recommendation letters from major foundations , and some subscription or free financial services from various financial institutions.

After dinner, he stayed with his wife and children for a while, and after watching TV for a while, he went back to the study alone and started to deal with the letters.

What surprised him was that the first letter had no postmark, nothing on the envelope, no sender, no recipient, not even a word.

He used a letter knife to cut the letter in confusion. The room at night is never as bright as in the daytime. His dilated pupils quickly contracted when he saw the contents of the envelope.

A check, a check for 30,000 yuan, and the check still smells of ink!

Although there was nothing on the envelope, he knew where the check came from.