No call means no call.

Fan Wumian just greeted Liu Yifei at the door, then returned to his room drunk and slept until after four o’clock in the afternoon.

After waking up with a slight headache, he finally remembered Uncle Qian’s three hobbies, which were “smoking, drinking, and perming hair.”

Although Fan Wumian can drink a little, he doesn’t like drinking. If he tries to accompany Mengzi to have fun, he will only be asking for trouble.

Having made preparations in advance for the next gathering where they would just have a few drinks to relax, he stretched himself and walked into the yard.

Pu Jiajing was sitting on a stone bench, eating melon seeds in the sun. There was a laptop on the stone table, which he used to browse Weibo and forums.

They are all working, but there are huge differences between jobs. This shows that being beautiful does have its advantages. After all, the reason why Pu Jiajing was picked out from a pile of resumes and recruited as an assistant was because she was the most pleasing to the eye.

Hear movement.

Pu Jiajing was not in a hurry. She handed him a handful of plain fried melon seeds and said:

“Boss, you finally woke up. Miss Zhuang called me and found out that you were drunk and sleeping, so she went home directly from school.”

“Well, what are you looking at?”

“Hot Topic List, this afternoon a distant relative of mine who doesn’t have much money called and asked my dad how he could move to Hong Kong City for work. He even wanted me to ask you for help, but my dad refused.”

Fan Wumian said disdainfully:

“Some people always have the illusion that if they can’t swim in this swimming pool, they can learn it in a deeper pool?”

Pu Jiajing nodded and said:

“Maybe they are jealous of my high salary, and don’t think about how expensive the prices of goods and houses in Hong Kong are, forcing many elderly people to come to Guangdong Province to retire and settle down.”

Fan Wumian took over her laptop and swiped the touch panel to check the hot topics list.

Liu Shishi’s beautiful photos became a hot topic, and there was also news that the TV series “Soldier Assault” starring Wang Baoqiang would be premiered soon.

The top spot on the list was occupied by Feng Ying’er.

She has charmed netizens with just a few beautiful photos. Since the hit drama “My Love from the Star”, countless people have felt her unique charm of being playful, clever, sexy and beautiful. The role of “narcissistic actress” in the drama is quite likable.

There are also countless young guys who encounter top-level “succubi” like Feng Ying’er as soon as they leave the novice village. Just by reading between the lines, one can imagine how they are drooling because of the greed.

After hearing Pu Jiajing talk about the lack of opportunities in Hong Kong, how it was difficult for ordinary people to make a fortune, and how even buying a house of 40 or 50 square meters was a luxury, Fan Wumian was moved and continued:
“Like other developed countries and regions, Hong Kong’s economic lifeline is also firmly controlled by chaebols, so I only do business in finance, the Internet, and entertainment. I have no chance to get involved in big businesses like water, electricity, communications, infrastructure, and real estate, which are almost guaranteed to make money.”

“But some wealthy families have been sitting on the fence for too long, making money from the east and running to the west. If they can’t figure it out one day in the future, they might be blocked from both ends and become unpopular on both sides.”

“If the East and the West were to fight, the first people to be stripped of their underwear by the bandits outside would probably be rootless duckweed like this. I am different. I have no filter for foreign countries. From the beginning, I was prepared to go abroad to make money and never stay there for a long time, in case I become too big to leave in time.”

Based on the preliminary foundation laid so far.

In the foreseeable future, as long as nothing serious goes wrong, Fan Wumian feels that he should become extremely rich, and even be able to try to sit on the throne of the “world’s richest man.”

The money has been spent for a long time, and how to hold these assets for a long time is the top priority. In his eyes, it is safest to take root in Asia, because the Roman Empire in Europe has long disappeared, but the “Rome” in Asia has always been there. More than a decade later, when the world is in turmoil, neighboring countries have been using cold weapons to fight each other, which has proved many problems.

Relying on the “stabilizing force” and using Hong Kong and Macao as a springboard to plunder wealth from around the world to strengthen itself will probably be the best choice for a long time to come.

I didn’t talk much about these with Pu Jiajing.

Looking through the missed calls on his phone, Fan Wumian discovered that in addition to Zhuang Muxi, the president of Bank of China Hong Kong had also contacted him. He called back, and the other party answered quickly, saying politely:
“Mr. Fan! Did I bother you? I called you this afternoon but no one answered, so I guessed you might be busy. In September, our bank celebrated its fifth anniversary and reserved a VIP gift for Mr. Fan. He hasn’t taken it yet. How about I send someone to deliver it to you?”

I guessed that the gift might not be light, otherwise there would be no need to go to so much trouble.

Fan Wumian was slightly curious and said politely:
“I almost forgot because I was so busy. I’ll ask someone to get it from Central later. I’m currently on a business trip in Yanjing and haven’t been back yet.”

The bank president surnamed Wei laughed and said:

“It’s okay. Reporters are reporting on your movements all day long. Some time ago, you accompanied Boss Zuo to Shanghai to inspect Wanda’s shopping mall, right?”

“Zuo’s Real Estate is our big client. I was very happy that we made a lot of money from selling the property, but I didn’t expect them to transfer more than 8 million yuan away in one go.”

“I want to ask Mr. Fan if you need money recently? Since your credit is so good, I can approve an unsecured loan for you. If you invest in the mainland, one or two billion is no problem.”

Small businesses that are truly in need of money cannot borrow money at all, but high-quality large customers like Fan Wumian can get credit lines and preferential interest rates from banks from time to time, and they will find ways to lend him loans.

Fan Wumian grasped the key word “unsecured” and immediately asked:
“President Wei, do you also have the task of helping to attract investment? Targeted investment in the mainland is fine, but the interest rate for unsecured loans is too high. I’m afraid the snowball will get bigger and crush me to death.”

President Wei was shocked after hearing this and said quickly:

“I don’t have any performance appraisal tasks here. I just contacted you because I thought Mr. Fan might need some support from the higher-ups to attract investment.”

“In the past, the interest rate for large unsecured loans was generally around 12% because the risk was too high. This time it has been reduced directly to 9%. I can also negotiate a discount for you, which will be around 8.5%.”

“You definitely won’t find such a low unsecured loan interest rate on the market. I was given a total budget of HK$100 billion, which I’m afraid will be used up soon.”

The loan interest rate of 8.5% per year is a bit scary.

However, some businessmen with poor credit cannot borrow money from formal bank channels and can only choose to seek help from underground money lenders. If there is no pledge or collateral, an annual interest rate of 30% can be considered a friendly price. Except for many gamblers, basically no one dares to lend to companies that are really desperate and need bridge funds for emergency.

This time, the situation Fan Wumian encountered was different.

Bank of China (Hong Kong) was optimistic about his credit and proactively lowered the interest rate on unsecured loans, which is a completely formal loan channel.

Compared with other loans, the only difference is that the interest rate is two or three percentage points higher. The advantage is that you can borrow money by scanning your face. There is no need to mortgage or pledge the asset like real estate or company shares, and the asset appraisal value must be discounted by 60% to 70%.

Considering the annual loan cost of 8.5%, if he invests casually, he will have a chance to earn it back, and the extra part will be all profit. Fan Wumian asked with interest:
“The lowest is 8.5%? If I borrow more, is there any chance to negotiate again?”

Governor Wei did not make any final decisions, but answered him:
“It depends on where the money will be used. As long as the project itself is not too risky, I should be able to help you get it. You are in Yanjing, so it is very convenient for you to go to our head office to handle the formalities. How about I reserve a loan amount for you first?”

Fan Wumian was so excited that he swallowed his saliva and continued:

“I’ll give you an answer tomorrow, okay? I’ve just had some thoughts lately, and there are some things I need to think about first.”

There are actually no ideas.

He was just looking for an excuse and was ready to think carefully about where to invest if he could borrow 1 or 2 billion Hong Kong dollars.

President Wei smiled and said:
“No problem, but this loan is mainly for developers and physical manufacturers in Hong Kong City. You need to be careful when applying. It’s OK as long as the purpose is reasonable. Otherwise, the head office may get stuck. I’ll send you the documents for your study later.”

Fan Wumian understood President Wei’s hint.

The prerequisite for reducing the unsecured loan interest rate this time is that the money must be invested in the mainland, and it is best to be a real business. Reasons such as using the money to speculate in stocks or repay other loans will most likely be difficult to pass review.

At least during the application stage, the back-end staff responsible for approval should not find any obvious problems. As for where the money is used after receiving it, as long as the loan interest is repaid regularly, they will not check it too carefully. (End of this chapter)