Blackstone Code Chapter 758: Boneless
"Although this is illegal, I don't think it's a problem!"
The head of the loan department of the Royal Bank said this to a nobleman with a smile. The nobleman's originally displeased face also had a reserved smile.
The aristocrat arrived early in the morning and demanded mortgages on his estate, villas, luxury cars, and a large collection of art and jewelry.
To be honest, encountering such aristocrats often means making a lot of money. There are two kinds of such nobles.
The first is that they may have taken part in a gamble and lost all their assets.
There are also gamblers among the nobles, and they play very big games.
Betting like one or two hundred, one or two thousand, or even 120,000, 200,000 wins or loses, seems a little too exciting for them.
When the money reaches a certain level, winning or losing is really just a change in the number of digits, and this kind of change hardly makes people's heart beat faster.
Only gambling family property can make these gamblers and nobles feel that kind of happiness, the kind of happiness that walks slowly on the abyss, the kind of happiness that faces the unknown fate.
Gavra's history is not without aristocrats who have gone bankrupt at the poker table, and there have been more than one.
There is also a possibility that the "life cycle" of these nobles is about to end. For example, it is uncertain whether they will be able to get new gifts from His Majesty the Emperor, and they may become commoners.
The assets they hold are likely to become the incentives for them to suffer. At this time, it is a good choice to exchange the property for money and then leave Gavra. Of course, use the money to open up the relationship and find a way to let the Privy Council work for them. It is also possible to declare a graceful seal.
No matter what kind of situation requires them to mortgage their property to the bank, it means that the bank can make a lot of money. Even if these people are nobles, the bank can't give them 100% of the market value.
70%, this is already the biggest concession. If the commoners want to take out a loan, they can only get 40% to 50% of the actual value of the collateral if they mortgage it in the nobles and the Royal Bank. , in the merchant's bank, you can take a little higher, but not more than 60%.
Don't look at 70%, it doesn't seem like a lot, but it's actually quite a lot, especially the nobles always have some good things in their hands.
For example, gifts from the royal family, such as gifts from nobles, or various works of art that some capitalists want to rely on them to donate, if the estimate is too high, they may regard the bank as a Monetization channel.
The aristocrat who came to take out a loan early in the morning mortgaged almost all of his property in one go. Although this business can make money, it is not easy to approve because the loan is too much.
Fortunately, this is just a small nobleman, and his family is not so rich.
While saying that this matter is not easy to handle, he smiled and pressed his signature on the contract, showing that this matter is really not easy to handle from the point of view of business affairs, and at the same time, it reflects that he is in The role and flexibility in the whole thing, no matter what happens in the future, at least will not be a "wicked person".
"I'll have someone transfer money to your account later..."
The little nobleman smiled and nodded to show his satisfaction with the supervisor's work. He seemed to ask casually, "Can I give you cash?"
The supervisor was a little... surprised, "Are you sure you want cash?"
"The cash could almost fill our house, shipping would be a hassle, and it would be known that you have so much cash in your house that it could cause uncontrollable security issues."
The little nobleman hesitated, "I'll make a call..."
Under the leadership of the supervisor, the little noble entered the lounge and came out after about a few minutes, his expression returned to the original indifference, "Yes, but you have to make sure that when I want to withdraw this money at any time, , they must be available for payment, and an agreement needs to be signed between us..."
The supervisor is a little confused, but the nobles have always been a group of people that people don't understand, "Actually, there is no need for you to worry about this issue. As the head office of the Imperial Bank, we have the confidence and strength to honor any withdrawals at any time. Request!"
He said this with a kind of visceral pride on his face, and he omitted the word "royal", which should be the Royal Bank of the Empire.
This also reflects the strength of the Royal Bank of England.
It's just that he's confident he can do it, but the little nobles don't think so, "If we can't sign a supplemental agreement, then you'll have to give me cash, and security doesn't need you to think about it."
Looking at the nobles, it didn't look like they were joking, and the supervisor hesitated, "I need to ask, please wait."
He left the room and went to the next room to report the news to the executive director who is currently presiding over the bank via an internal phone.
Although the executive chairman also finds it a bit baffling, it is really inconvenient to think about taking out so much cash all at once - the underground vault used by the Royal Bank of the Empire to store cash is very troublesome to open and requires a lot of procedures , and also need five directors to insert their keys at the same time.
For such a small amount of money, he thinks it's not worth it for an hour or two.
"In principle, I agree with you to sign this supplemental agreement, but please pay attention to the wording and let someone from the Legal Department help you draft the agreement..."
Not long after, the supervisor returned to the room with the red letter of agreement and signed this supplementary agreement with the minor noble.
If the petty aristocrat cannot withdraw his money from the bank's account when needed, the bank will pay at least 1.5 times the compensation, and for each day in arrears, the total compensation will be based on the total amount of the previous day. increase by five percent.
There seems to be no big problem with this agreement. After the two sides signed it, the supervisor personally sent the nobles away.
Before he had time to rest in the office, the receptionist called him, and another noble wanted a loan.
"What's the matter?" The supervisor looked at the phone with some doubts, but still received the nobleman.
This nobleman had similar requirements to the previous nobleman. He pledged as much as possible and asked for cash. The other party also prepared enough. All kinds of property rights certificates were brought over, and several servants were pushing carts. , brought in more than a dozen wrapped oil paintings along with some artworks.
After having the same set of procedures, the other party also requested to sign a supplementary agreement.
After all the agreements were signed, the supervisor asked softly, "A very presumptuous question, why do you ask to be able to withdraw cash at any time?"
The noble in front of the supervisor glanced at him, shook his head, and did not speak, but even if he did not speak, the supervisor seemed to understand something.
"Sorry, I was rash." He took the initiative to stand up and send the nobleman away.
After the noble got into the car, he immediately went to the executive chairman's office and said something that confused him, "Just now, another noble came to mortgage the property and asked for cash, I think... there may be more. There's a third, a fourth!"
The executive director is an old man in his sixties. He put down his work and looked at the director of the loan department, "What do you want to express?"
The supervisor hesitated whether to say it or not, but finally he felt that he should say that if something really happened, he might also bear some of the responsibility.
Now he speaks out about the problem, and if something goes wrong, the responsibility is not on his head.
"If they all come to borrow money and designate cash to withdraw at any time, will it affect our normal work?" The supervisor's way of speaking is very euphemistic. normal work.
The executive chairman thought for a while, then shook his head, "Don't worry about this problem, we have the ability to pay for their demands, you have to believe in yourself, if you can't even handle this, we will not It will be the largest bank in the empire!"
The executive chairman picked up the pen after speaking, but his eyes were still on the supervisor, "Is there anything else?"
The director wanted to say something, but the executive director has already told him not to disturb his work. If he asks more, he may offend the executive director and can only choose to leave.
What he wants to say is that the money those nobles have in the bank is not only the part of their loan, but also their own savings, which is also a small amount.
But the Executive Director is clearly not interested in these issues, and he won't give them any more attention.
He reported the problem, and he doesn't need to bear joint responsibility if there is a problem, no matter what the loss is, it has nothing to do with him.
Next, there will be new nobles, not only the Imperial Royal Bank, but also in the imperial capital and surrounding cities, all banks have a phenomenon of aristocratic borrowing a lot. For a time, there seems to be a special smell filling the surrounding area of the imperial capital. , a faint smell of blood.
It's like... a drop of blood falls into the sea, and the strands are scattered. You know it's in the water, but you can't see it.
You can't see, but some things you can "see", like sharks.
9:30am ~IndoMTL.com~ The Gavra Financial Index plummeted after the opening bell, dropping 2 percent.
The main reason for this slump lies in what the Minister of Finance said on TV last night, that he wants to thoroughly investigate the operation of listed companies.
This is not a joke. Six heavyweight stocks have been suspended from trading, and all bank accounts have been frozen. The Chancellor of the Exchequer has taken action to show that he is really not joking.
But just when people thought that the Gavra financial index might continue to plummet, an incredible scene appeared.
Not only did the financial index not continue to go down, but after a period of sideways, it tilted its head slightly, and it was actually pulled up a little bit, although not much, but on the trend chart drawn by people, it did go up Up!
The news quickly spread throughout Gavra and the Chancellor of the Exchequer knew it.
However, he didn't show any joy, instead he looked sneered, and it is said that he also scolded one sentence.
"Bad bones!"