Chapter 63
If audio player doesn't work, press Stop then Play button again
"The total is... 3.24 million!"
In Joe griman's office, he looked at the statistical book in his hand and couldn't help but send out an exclamation tone.
When Lynch told him that there were almost millions of mortgages, Joe griman thought it was probably an exaggeration, which is very common in the financial field.
People never have much confidence in the figures spoken by others. Unexpectedly, Lynch gave him a surprise.
He put down the statistics sheet and slightly adjusted his sitting posture. "It's an amazing figure, but you should know that I can't lend you money according to the valuation. It can only be 50% at most, no more!"
He dialed the statistics sheet with his hand, and his face showed some regret, "these are not high-quality resources, and the risk of the bank is still great, so..." he shrugged and looked at Lynch again.
The bank has its own professional valuers. When they count these things, they find that there are no very tight valuables that can be sold immediately, such as precious metals, such as gold, or some jewelry that are easy to cash.
On the contrary, it is something... That is not easy to get rid of, such as some daily necessities and appliances, most of which are houses and cars.
Saibin is not a big city, the capital of a state, nor the center of the Federation. The preservation rate of houses here is not very safe, and most of the houses mortgaged in these agreements are ordinary community houses, without middle-class communities and upper urban areas.
In small cities, valuable real estate basically refers to those houses in middle-class communities and top upper class communities. They have the best lots, the most beautiful scenery and the most complete supporting services.
Such a house can be sold easily. As long as it is lower than the market price, 10% to 15%, it can be said that it can be sold immediately.
However, houses in civilian communities will not be like this. Real estate development in civilians and slums, especially residential development, is a thankless thing. The slow sales cycle is easy to drag down real estate developers.
In addition, some people like to mess around, and those poor people like to break into houses that are not sold, which often causes some trouble.
Local laws in some federal states have stipulated that after living in someone else's house for a certain number of years, they can naturally obtain the property right of the house, which also makes many people more interested in finding houses that have not been sold or empty houses that have been relocated.
The chaotic environment in civilian areas and slums and all kinds of creepy street culture are the reasons that restrict the rise of these house prices. This is not to say that they are worthless, but it is difficult to realize their real value.
Cars, too. There are no luxury car brands. Most of them are ordinary car brands, and there are still some years. Some valuers think it may be stolen cars that give up accountability.
The realization of these things is full of twists and turns. It is difficult to say whether they can break even if they are really hit.
If Lynch really wants to exchange these things for a sum of money, it's just this transaction. Joe griman will be more cautious. As for refusing the business with Lynch, he would rather not have this transaction than take risks.
But he has understood Lynch's idea. Lynch will take the money he gives Lynch to gatnau finance company to realize continuous rotation.
At that time, more similar agreements will be mortgaged to the bank, and an amazing number will eventually roll out, so he doesn't mind such a business.
Joe griman thought for a moment, "I'll give you 1.6 million at most!" he felt that the price was quite safe, and Lynch didn't have any need to object. For 1.6 million, he could get a service fee of 160000 and almost double or double the expected benefits.
This transaction alone has brought Lynch at least 250000 yuan, which is much faster than changing change. At the same time, he does not need to pay even a penny of interest to the bank.
This part of interest is paid by gatenau company by entrusting Dyson asset management company with full management of these assets and paying "management fee" for this purpose.
In other words, Dyson asset management company completely cut the relationship between gatnau finance company and Jinhui bank in the whole process, which is the basis for cooperation between the two sides.
Lynch didn't fight for more shares, so he agreed to make Joe griman feel more favorable to him, and there was a lot of smile on his face, "do you want a check, promissory note, money order or account transfer?"
So far, the cheques of the six major federal banks have limits. They can't write millions of cash cheques at all. They can't even write transfer cheques. Cheques are too easy to fake. Coupled with some technical reasons, they are difficult to achieve.
Joe griman actually means small cash checks, but Lynch obviously has a different view.
"I want cash!" Joe griman was stunned as soon as his words were exported. It's not that the bank can't take out the cash, but a series of procedures are needed for large cash to come out. It's a little troublesome. Maybe two people from the police station should cooperate.
Looking at Joe griman's expression, Lynch frowned slightly, unfolded randomly, looked as if he didn't care and asked, "can't you?"
Joe griman thought for a moment and finally nodded. "It's not impossible, it's just troublesome. There are many processes. I have to make documents first and then send them to the branch and headquarters. There are other judicial procedures that take at least four to five days."
"I can wait!" Lynch did not flinch in the face of these difficulties. They looked at each other for two or three seconds. Joe griman nodded his head and said that he would complete the deal as soon as possible.
Lynch stood up in time, "so..."
Joe griman also stood up and stretched out his hand across the desk. "Happy cooperation!"
After seeing Lynch off, Joe griman smiled and shook his head. He knew why Lynch wanted cash, and his attitude was so tough.
Millions of cash certificates are enough to confuse Lynch with more cash. Simply put, the bank issued a certificate proving that Lynch took 1.6 million cash from the bank. In subsequent work, it can be said to be legal as long as the amount of cash he took out at one time does not exceed 1.6 million, as long as he is smart enough.
In other words, Lynch can mix more, one million, two million or more money into this certificate and wash it thoroughly. He is really a smart man!
After signing this business and a series of follow-up cooperation in the future, Joe griman was in a high mood. In the evening, the three men invited him out to celebrate. They might get a lot of commission in this business. They have reason to indulge.
This is the daily work of dealing with money, making money, making a lot of money, and then completely indulgent and continuous cycle.
Joe griman declined their invitation. As the manager of the credit department, he was not suitable to appear with them at this time. He needed to avoid it.
When I drove home, I parked the car. When I passed the yard, I subconsciously looked at the mailbox. People like him will have letters from all over the country every day, some from peers, some self recommendation letters from major foundations, as well as orders from various financial institutions or free financial services.
After dinner in the evening, he stayed with his wife and children for a while. After watching TV for a while, he returned to his study alone and began to deal with these letters.
To his surprise, the first letter had no postmark. There was nothing on the envelope, no sender, no receiver, or even a word.
He was puzzled and cut the letter with a letter knife. The light in the room at night was never as sufficient as that in the day. His enlarged pupils contracted quickly when he saw the things in the envelope.
A check, a check for 30000 yuan, and the check smells of ink!
Although there was nothing on the envelope, he knew where the check came from.
Please report us if you find any errors so we can fix it asap!
"The total is... 3.24 million!"
In Joe griman's office, he looked at the statistical book in his hand and couldn't help but send out an exclamation tone.
When Lynch told him that there were almost millions of mortgages, Joe griman thought it was probably an exaggeration, which is very common in the financial field.
People never have much confidence in the figures spoken by others. Unexpectedly, Lynch gave him a surprise.
He put down the statistics sheet and slightly adjusted his sitting posture. "It's an amazing figure, but you should know that I can't lend you money according to the valuation. It can only be 50% at most, no more!"
He dialed the statistics sheet with his hand, and his face showed some regret, "these are not high-quality resources, and the risk of the bank is still great, so..." he shrugged and looked at Lynch again.
The bank has its own professional valuers. When they count these things, they find that there are no very tight valuables that can be sold immediately, such as precious metals, such as gold, or some jewelry that are easy to cash.
On the contrary, it is something... That is not easy to get rid of, such as some daily necessities and appliances, most of which are houses and cars.
Saibin is not a big city, the capital of a state, nor the center of the Federation. The preservation rate of houses here is not very safe, and most of the houses mortgaged in these agreements are ordinary community houses, without middle-class communities and upper urban areas.
In small cities, valuable real estate basically refers to those houses in middle-class communities and top upper class communities. They have the best lots, the most beautiful scenery and the most complete supporting services.
Such a house can be sold easily. As long as it is lower than the market price, 10% to 15%, it can be said that it can be sold immediately.
However, houses in civilian communities will not be like this. Real estate development in civilians and slums, especially residential development, is a thankless thing. The slow sales cycle is easy to drag down real estate developers.
In addition, some people like to mess around, and those poor people like to break into houses that are not sold, which often causes some trouble.
Local laws in some federal states have stipulated that after living in someone else's house for a certain number of years, they can naturally obtain the property right of the house, which also makes many people more interested in finding houses that have not been sold or empty houses that have been relocated.
The chaotic environment in civilian areas and slums and all kinds of creepy street culture are the reasons that restrict the rise of these house prices. This is not to say that they are worthless, but it is difficult to realize their real value.
Cars, too. There are no luxury car brands. Most of them are ordinary car brands, and there are still some years. Some valuers think it may be stolen cars that give up accountability.
The realization of these things is full of twists and turns. It is difficult to say whether they can break even if they are really hit.
If Lynch really wants to exchange these things for a sum of money, it's just this transaction. Joe griman will be more cautious. As for refusing the business with Lynch, he would rather not have this transaction than take risks.
But he has understood Lynch's idea. Lynch will take the money he gives Lynch to gatnau finance company to realize continuous rotation.
At that time, more similar agreements will be mortgaged to the bank, and an amazing number will eventually roll out, so he doesn't mind such a business.
Joe griman thought for a moment, "I'll give you 1.6 million at most!" he felt that the price was quite safe, and Lynch didn't have any need to object. For 1.6 million, he could get a service fee of 160000 and almost double or double the expected benefits.
This transaction alone has brought Lynch at least 250000 yuan, which is much faster than changing change. At the same time, he does not need to pay even a penny of interest to the bank.
This part of interest is paid by gatenau company by entrusting Dyson asset management company with full management of these assets and paying "management fee" for this purpose.
In other words, Dyson asset management company completely cut the relationship between gatnau finance company and Jinhui bank in the whole process, which is the basis for cooperation between the two sides.
Lynch didn't fight for more shares, so he agreed to make Joe griman feel more favorable to him, and there was a lot of smile on his face, "do you want a check, promissory note, money order or account transfer?"
So far, the cheques of the six major federal banks have limits. They can't write millions of cash cheques at all. They can't even write transfer cheques. Cheques are too easy to fake. Coupled with some technical reasons, they are difficult to achieve.
Joe griman actually means small cash checks, but Lynch obviously has a different view.
"I want cash!" Joe griman was stunned as soon as his words were exported. It's not that the bank can't take out the cash, but a series of procedures are needed for large cash to come out. It's a little troublesome. Maybe two people from the police station should cooperate.
Looking at Joe griman's expression, Lynch frowned slightly, unfolded randomly, looked as if he didn't care and asked, "can't you?"
Joe griman thought for a moment and finally nodded. "It's not impossible, it's just troublesome. There are many processes. I have to make documents first and then send them to the branch and headquarters. There are other judicial procedures that take at least four to five days."
"I can wait!" Lynch did not flinch in the face of these difficulties. They looked at each other for two or three seconds. Joe griman nodded his head and said that he would complete the deal as soon as possible.
Lynch stood up in time, "so..."
Joe griman also stood up and stretched out his hand across the desk. "Happy cooperation!"
After seeing Lynch off, Joe griman smiled and shook his head. He knew why Lynch wanted cash, and his attitude was so tough.
Millions of cash certificates are enough to confuse Lynch with more cash. Simply put, the bank issued a certificate proving that Lynch took 1.6 million cash from the bank. In subsequent work, it can be said to be legal as long as the amount of cash he took out at one time does not exceed 1.6 million, as long as he is smart enough.
In other words, Lynch can mix more, one million, two million or more money into this certificate and wash it thoroughly. He is really a smart man!
After signing this business and a series of follow-up cooperation in the future, Joe griman was in a high mood. In the evening, the three men invited him out to celebrate. They might get a lot of commission in this business. They have reason to indulge.
This is the daily work of dealing with money, making money, making a lot of money, and then completely indulgent and continuous cycle.
Joe griman declined their invitation. As the manager of the credit department, he was not suitable to appear with them at this time. He needed to avoid it.
When I drove home, I parked the car. When I passed the yard, I subconsciously looked at the mailbox. People like him will have letters from all over the country every day, some from peers, some self recommendation letters from major foundations, as well as orders from various financial institutions or free financial services.
After dinner in the evening, he stayed with his wife and children for a while. After watching TV for a while, he returned to his study alone and began to deal with these letters.
To his surprise, the first letter had no postmark. There was nothing on the envelope, no sender, no receiver, or even a word.
He was puzzled and cut the letter with a letter knife. The light in the room at night was never as sufficient as that in the day. His enlarged pupils contracted quickly when he saw the things in the envelope.
A check, a check for 30000 yuan, and the check smells of ink!
Although there was nothing on the envelope, he knew where the check came from.
"The total is... 3.24 million!"In Joe griman's office, he looked at the statistical book in his hand and couldn't help but send out an exclamation tone.When Lynch told him that there were almost millions of mortgages, Joe griman thought it was probably an exaggeration, which is very common in the financial field.People never have much confidence in the figures spoken by others. Unexpectedly, Lynch gave him a surprise.He put down the statistics sheet and slightly adjusted his sitting posture. "It's an amazing figure, but you should know that I can't lend you money according to the valuation. It can only be 50% at most, no more!"He dialed the statistics sheet with his hand, and his face showed some regret, "these are not high-quality resources, and the risk of the bank is still great, so..." he shrugged and looked at Lynch again.The bank has its own professional valuers. When they count these things, they find that there are no very tight valuables that can be sold immediately, such as precious metals, such as gold, or some jewelry that are easy to cash.On the contrary, it is something... That is not easy to get rid of, such as some daily necessities and appliances, most of which are houses and cars.Saibin is not a big city, the capital of a state, nor the center of the Federation. The preservation rate of houses here is not very safe, and most of the houses mortgaged in these agreements are ordinary community houses, without middle-class communities and upper urban areas.In small cities, valuable real estate basically refers to those houses in middle-class communities and top upper class communities. They have the best lots, the most beautiful scenery and the most complete supporting services.Such a house can be sold easily. As long as it is lower than the market price, 10% to 15%, it can be said that it can be sold immediately.However, houses in civilian communities will not be like this. Real estate development in civilians and slums, especially residential development, is a thankless thing. The slow sales cycle is easy to drag down real estate developers.In addition, some people like to mess around, and those poor people like to break into houses that are not sold, which often causes some trouble.Local laws in some federal states have stipulated that after living in someone else's house for a certain number of years, they can naturally obtain the property right of the house, which also makes many people more interested in finding houses that have not been sold or empty houses that have been relocated.The chaotic environment in civilian areas and slums and all kinds of creepy street culture are the reasons that restrict the rise of these house prices. This is not to say that they are worthless, but it is difficult to realize their real value.Cars, too. There are no luxury car brands. Most of them are ordinary car brands, and there are still some years. Some valuers think it may be stolen cars that give up accountability.The realization of these things is full of twists and turns. It is difficult to say whether they can break even if they are really hit.If Lynch really wants to exchange these things for a sum of money, it's just this transaction. Joe griman will be more cautious. As for refusing the business with Lynch, he would rather not have this transaction than take risks.But he has understood Lynch's idea. Lynch will take the money he gives Lynch to gatnau finance company to realize continuous rotation.At that time, more similar agreements will be mortgaged to the bank, and an amazing number will eventually roll out, so he doesn't mind such a business.Joe griman thought for a moment, "I'll give you 1.6 million at most!" he felt that the price was quite safe, and Lynch didn't have any need to object. For 1.6 million, he could get a service fee of 160000 and almost double or double the expected benefits.This transaction alone has brought Lynch at least 250000 yuan, which is much faster than changing change. At the same time, he does not need to pay even a penny of interest to the bank.This part of interest is paid by gatenau company by entrusting Dyson asset management company with full management of these assets and paying "management fee" for this purpose.In other words, Dyson asset management company completely cut the relationship between gatnau finance company and Jinhui bank in the whole process, which is the basis for cooperation between the two sides.Lynch didn't fight for more shares, so he agreed to make Joe griman feel more favorable to him, and there was a lot of smile on his face, "do you want a check, promissory note, money order or account transfer?"So far, the cheques of the six major federal banks have limits. They can't write millions of cash cheques at all. They can't even write transfer cheques. Cheques are too easy to fake. Coupled with some technical reasons, they are difficult to achieve.Joe griman actually means small cash checks, but Lynch obviously has a different view."I want cash!" Joe griman was stunned as soon as his words were exported. It's not that the bank can't take out the cash, but a series of procedures are needed for large cash to come out. It's a little troublesome. Maybe two people from the police station should cooperate.Looking at Joe griman's expression, Lynch frowned slightly, unfolded randomly, looked as if he didn't care and asked, "can't you?"Joe griman thought for a moment and finally nodded. "It's not impossible, it's just troublesome. There are many processes. I have to make documents first and then send them to the branch and headquarters. There are other judicial procedures that take at least four to five days.""I can wait!" Lynch did not flinch in the face of these difficulties. They looked at each other for two or three seconds. Joe griman nodded his head and said that he would complete the deal as soon as possible.Lynch stood up in time, "so..."Joe griman also stood up and stretched out his hand across the desk. "Happy cooperation!"After seeing Lynch off, Joe griman smiled and shook his head. He knew why Lynch wanted cash, and his attitude was so tough.Millions of cash certificates are enough to confuse Lynch with more cash. Simply put, the bank issued a certificate proving that Lynch took 1.6 million cash from the bank. In subsequent work, it can be said to be legal as long as the amount of cash he took out at one time does not exceed 1.6 million, as long as he is smart enough.In other words, Lynch can mix more, one million, two million or more money into this certificate and wash it thoroughly. He is really a smart man!After signing this business and a series of follow-up cooperation in the future, Joe griman was in a high mood. In the evening, the three men invited him out to celebrate. They might get a lot of commission in this business. They have reason to indulge.This is the daily work of dealing with money, making money, making a lot of money, and then completely indulgent and continuous cycle.Joe griman declined their invitation. As the manager of the credit department, he was not suitable to appear with them at this time. He needed to avoid it.When I drove home, I parked the car. When I passed the yard, I subconsciously looked at the mailbox. People like him will have letters from all over the country every day, some from peers, some self recommendation letters from major foundations, as well as orders from various financial institutions or free financial services.After dinner in the evening, he stayed with his wife and children for a while. After watching TV for a while, he returned to his study alone and began to deal with these letters.To his surprise, the first letter had no postmark. There was nothing on the envelope, no sender, no receiver, or even a word.He was puzzled and cut the letter with a letter knife. The light in the room at night was never as sufficient as that in the day. His enlarged pupils contracted quickly when he saw the things in the envelope.A check, a check for 30000 yuan, and the check smells of ink!Although there was nothing on the envelope, he knew where the check came from.
