Chapter 758
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"Although it's against the rules, I don't think it's a problem!"
The head of the loan department of the Royal Bank said to an aristocrat with a smile. The aristocrat had some unhappy faces and some reserved smiles.
The noble came early in the morning and asked to mortgage his manor, villa, luxury car and a large number of works of art and jewelry.
To be honest, meeting such an aristocrat often means making a lot of money. There are two kinds of aristocrats.
The first is that they may have participated in a gambling game and lost all their assets.
There are gamblers among the nobles, and they play very big.
It seems that the gamble of one or two hundred, one or two thousand, or even one or twenty thousand, one or two hundred is not exciting enough for them.
When there is a certain amount of money, winning or losing is really just a change in the number of digits, which is difficult to make people's heart beat faster.
Only by gambling on family property can these gamblers and nobles feel the happiness, the happiness of walking slowly on the steel wire of fate in the abyss, and the happiness of facing the unknown destiny.
Gavra's history is not without aristocrats who went bankrupt at the card table, and there are more than one.
There is also a possibility that the "life cycle" of these nobles is coming to an end. For example, it is uncertain whether they can get new enfeng from the emperor, and they may become civilians.
The assets they hold are likely to become an incentive for them to suffer. At this time, it is a good choice to exchange the industry for money and leave gavra. Of course, it is also possible to use the money to get through the relationship and find a way for the Privy Council to declare their favor for them.
In either case, they need to mortgage their property to the bank, which means that the bank can make a lot of money. Even if these people are aristocrats, the bank cannot lend them 100% of the market price.
70%, which is the biggest concession. If civilians want to borrow money and mortgage in noble and royal banks, they can only get 40% to 50% of the actual value of the collateral. In merchant banks, they can get a little higher, but no more than 60%.
Although 70% doesn't seem to be a lot, it's actually very much, especially there are always some good things in the hands of aristocrats.
For example, gifts from the royal family, gifts from the nobility, or various works of art that some capitalists want to rely on them. If the evaluation is too high, they may use the bank as a cash channel.
Early in the morning, the noble who came to the loan mortgaged almost all his industries at one go. Although the business could make money, it was not very good because there was too much money to borrow.
Fortunately, this is just a little aristocrat. His family is not so rich.
While saying that this matter is difficult to handle, he smiled and pressed his seal on the contract, which not only shows that this matter is really difficult to handle from the perspective of business, but also reflects his role and flexibility in the whole matter. No matter what happens in the future, he will not be a "villain".
"I'll have the money transferred to your account later..."
The little aristocrat 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... Surprised, "are you sure you want cash?"
"This cash can almost fill our house, transportation will also be a trouble, and people will know that there is so much cash in your house, which may cause uncontrollable security problems."
The little noble hesitated, "I'll make a call..."
Under the leadership of the supervisor, the little nobleman entered the lounge and came out a few minutes later. His expression returned to his original indifference, "yes, but you should ensure that when I want to withdraw the money at any time, they must be able to withdraw it. We need to sign an agreement..."
The supervisor didn't understand, but the nobles have always been a group of people who don't understand, "in fact, you don't have to worry about this problem at all. As the head office of Imperial Bank, we have the confidence and strength to honor any withdrawal request at any time!"
When he said this, he had a kind of heartfelt pride on his face. He also omitted the word "Royal". It should be imperial Royal Bank.
This also reflects the strength of imperial Royal Bank.
But he is confident that he can do this, but the little aristocrat doesn't think so. "If we can't sign a supplementary agreement, you have to give me cash. You don't need to consider the security issue."
Seeing that the aristocrat was not joking, the supervisor hesitated, "I need to ask, please wait a moment."
After leaving the room, he went to the next room and reported the news to the executive director who is currently presiding over the work of the bank through an internal telephone.
Although the executive director felt a little puzzled, it was really inconvenient to think about taking out so much cash at once - it was troublesome to open the underground vault used by Imperial Bank to store cash, which required many procedures, and five directors needed to insert their own keys at the same time.
He didn't think it was worth tossing about for an hour or two for such a little money.
"I agree with you in principle to sign this supplementary agreement, but pay attention to the wording and let the people of the legal department help you draw up the agreement..."
Not long after, the supervisor returned to the room with the agreement red letter and signed the supplementary agreement with the little aristocrat.
If the little aristocrat is unable to withdraw his money from the bank's account when needed, the bank shall give compensation of at least 1.5 times, and the total amount of compensation shall be increased by 5% on the basis of the total amount of the previous day for each day in arrears.
The agreement didn't seem to have much problem. After the two sides signed it, the supervisor personally sent the nobles away.
Before he had time to rest in his office, the reception desk called him, and another nobleman wanted a loan.
"What's the matter?" the supervisor looked at the phone and wondered, but he still received the noble.
This nobleman had the same requirements as the previous nobleman. He mortgaged as much as possible and asked for cash. The other party also prepared enough property rights certificates. Several servants brought in more than a dozen wrapped oil paintings with some works of art.
After having the same procedure, the other party also asked to sign a supplementary agreement.
After all the agreements were signed, the supervisor asked softly, "it's very presumptuous to ask a question. Why do you ask to withdraw cash at any time?"
The nobleman in front of the supervisor glanced at him, shook his head and didn't speak, but even if he didn't speak, the supervisor seemed to understand something.
"Sorry, I was rash." he took the initiative to stand up and send the noble away.
After the noble got on the bus, he immediately went to the executive director's office and said something confused him. "Just now another noble came to mortgage the industry and asked for cash. I think... There may be a third and a fourth!"
The executive director is a 60 year old man. He put down his work and looked at the head of the loan department, "what do you want to express?"
The supervisor hesitated whether he should say it or not. Finally, he felt that he should say that once something really happened, he might also bear some responsibility.
Now he speaks out the problem. If there is a problem, the responsibility is not on him.
"If they all come to borrow money and specify cash and withdraw at any time, will it affect our normal work?", the supervisor spoke politely. He didn't say whether there was enough money in the vault, but only that it affected our normal work.
The executive director thought for a while, then shook his head, "don't worry about this problem. We have the ability to meet their requirements. You have to believe in yourself. If you can't even cope with this, we won't be the largest bank in the Empire!"
The executive director picked up the pen, but his eyes were still on the supervisor, "is there anything else?"
What else did the supervisor want to say, but the executive director has told him not to disturb his work. If he asks again, he may offend the executive director and can only choose to leave.
What he wants to say is that the money of those nobles in the bank is not only part of their loans, but also their own deposits, which is also a large number.
However, the executive director is obviously not interested in these issues, and he will not be more involved.
He reported the problem to the superior. If something goes wrong, he doesn't need to bear joint and several liability. It doesn't matter what he loses.
Then there were new nobles, not only the imperial Royal Bank, but also all banks in and around the imperial capital. For a time, there seemed to be a special smell filled around the imperial capital, a faint smell of blood.
It's like... A drop of blood falling into the sea. It spreads in strands. You know it's in the water, but you can't see it.
You can't see, but some things can be "seen", such as sharks.
At 9:30 in the morning, the gevlar financial index plunged after the opening, falling directly by 2%.
The main reason for this sharp decline lies in what the finance minister said on the TV program last night. He wants to thoroughly investigate the operation of listed companies.
This is no joke. The trading of six heavyweight stocks was suspended, and all bank corporate accounts were frozen. The chancellor of the exchequer showed that he was really not kidding.
But just when people thought that the gevlar financial index might continue to plummet, an incredible scene appeared.
Not only did the financial index not continue to decline, but after a period of sideways trading, it tilted its head slightly. It was actually pulled up a little. Although it was not much, it did rise on the trend chart drawn by people!
The news soon spread throughout gavra, and the chancellor of the exchequer knew it.
However, he did not show any joy. Instead, he looked sarcastic and reportedly scolded.
"Bitch!"
Please report us if you find any errors so we can fix it asap!
"Although it's against the rules, I don't think it's a problem!"
The head of the loan department of the Royal Bank said to an aristocrat with a smile. The aristocrat had some unhappy faces and some reserved smiles.
The noble came early in the morning and asked to mortgage his manor, villa, luxury car and a large number of works of art and jewelry.
To be honest, meeting such an aristocrat often means making a lot of money. There are two kinds of aristocrats.
The first is that they may have participated in a gambling game and lost all their assets.
There are gamblers among the nobles, and they play very big.
It seems that the gamble of one or two hundred, one or two thousand, or even one or twenty thousand, one or two hundred is not exciting enough for them.
When there is a certain amount of money, winning or losing is really just a change in the number of digits, which is difficult to make people's heart beat faster.
Only by gambling on family property can these gamblers and nobles feel the happiness, the happiness of walking slowly on the steel wire of fate in the abyss, and the happiness of facing the unknown destiny.
Gavra's history is not without aristocrats who went bankrupt at the card table, and there are more than one.
There is also a possibility that the "life cycle" of these nobles is coming to an end. For example, it is uncertain whether they can get new enfeng from the emperor, and they may become civilians.
The assets they hold are likely to become an incentive for them to suffer. At this time, it is a good choice to exchange the industry for money and leave gavra. Of course, it is also possible to use the money to get through the relationship and find a way for the Privy Council to declare their favor for them.
In either case, they need to mortgage their property to the bank, which means that the bank can make a lot of money. Even if these people are aristocrats, the bank cannot lend them 100% of the market price.
70%, which is the biggest concession. If civilians want to borrow money and mortgage in noble and royal banks, they can only get 40% to 50% of the actual value of the collateral. In merchant banks, they can get a little higher, but no more than 60%.
Although 70% doesn't seem to be a lot, it's actually very much, especially there are always some good things in the hands of aristocrats.
For example, gifts from the royal family, gifts from the nobility, or various works of art that some capitalists want to rely on them. If the evaluation is too high, they may use the bank as a cash channel.
Early in the morning, the noble who came to the loan mortgaged almost all his industries at one go. Although the business could make money, it was not very good because there was too much money to borrow.
Fortunately, this is just a little aristocrat. His family is not so rich.
While saying that this matter is difficult to handle, he smiled and pressed his seal on the contract, which not only shows that this matter is really difficult to handle from the perspective of business, but also reflects his role and flexibility in the whole matter. No matter what happens in the future, he will not be a "villain".
"I'll have the money transferred to your account later..."
The little aristocrat 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... Surprised, "are you sure you want cash?"
"This cash can almost fill our house, transportation will also be a trouble, and people will know that there is so much cash in your house, which may cause uncontrollable security problems."
The little noble hesitated, "I'll make a call..."
Under the leadership of the supervisor, the little nobleman entered the lounge and came out a few minutes later. His expression returned to his original indifference, "yes, but you should ensure that when I want to withdraw the money at any time, they must be able to withdraw it. We need to sign an agreement..."
The supervisor didn't understand, but the nobles have always been a group of people who don't understand, "in fact, you don't have to worry about this problem at all. As the head office of Imperial Bank, we have the confidence and strength to honor any withdrawal request at any time!"
When he said this, he had a kind of heartfelt pride on his face. He also omitted the word "Royal". It should be imperial Royal Bank.
This also reflects the strength of imperial Royal Bank.
But he is confident that he can do this, but the little aristocrat doesn't think so. "If we can't sign a supplementary agreement, you have to give me cash. You don't need to consider the security issue."
Seeing that the aristocrat was not joking, the supervisor hesitated, "I need to ask, please wait a moment."
After leaving the room, he went to the next room and reported the news to the executive director who is currently presiding over the work of the bank through an internal telephone.
Although the executive director felt a little puzzled, it was really inconvenient to think about taking out so much cash at once - it was troublesome to open the underground vault used by Imperial Bank to store cash, which required many procedures, and five directors needed to insert their own keys at the same time.
He didn't think it was worth tossing about for an hour or two for such a little money.
"I agree with you in principle to sign this supplementary agreement, but pay attention to the wording and let the people of the legal department help you draw up the agreement..."
Not long after, the supervisor returned to the room with the agreement red letter and signed the supplementary agreement with the little aristocrat.
If the little aristocrat is unable to withdraw his money from the bank's account when needed, the bank shall give compensation of at least 1.5 times, and the total amount of compensation shall be increased by 5% on the basis of the total amount of the previous day for each day in arrears.
The agreement didn't seem to have much problem. After the two sides signed it, the supervisor personally sent the nobles away.
Before he had time to rest in his office, the reception desk called him, and another nobleman wanted a loan.
"What's the matter?" the supervisor looked at the phone and wondered, but he still received the noble.
This nobleman had the same requirements as the previous nobleman. He mortgaged as much as possible and asked for cash. The other party also prepared enough property rights certificates. Several servants brought in more than a dozen wrapped oil paintings with some works of art.
After having the same procedure, the other party also asked to sign a supplementary agreement.
After all the agreements were signed, the supervisor asked softly, "it's very presumptuous to ask a question. Why do you ask to withdraw cash at any time?"
The nobleman in front of the supervisor glanced at him, shook his head and didn't speak, but even if he didn't speak, the supervisor seemed to understand something.
"Sorry, I was rash." he took the initiative to stand up and send the noble away.
After the noble got on the bus, he immediately went to the executive director's office and said something confused him. "Just now another noble came to mortgage the industry and asked for cash. I think... There may be a third and a fourth!"
The executive director is a 60 year old man. He put down his work and looked at the head of the loan department, "what do you want to express?"
The supervisor hesitated whether he should say it or not. Finally, he felt that he should say that once something really happened, he might also bear some responsibility.
Now he speaks out the problem. If there is a problem, the responsibility is not on him.
"If they all come to borrow money and specify cash and withdraw at any time, will it affect our normal work?", the supervisor spoke politely. He didn't say whether there was enough money in the vault, but only that it affected our normal work.
The executive director thought for a while, then shook his head, "don't worry about this problem. We have the ability to meet their requirements. You have to believe in yourself. If you can't even cope with this, we won't be the largest bank in the Empire!"
The executive director picked up the pen, but his eyes were still on the supervisor, "is there anything else?"
What else did the supervisor want to say, but the executive director has told him not to disturb his work. If he asks again, he may offend the executive director and can only choose to leave.
What he wants to say is that the money of those nobles in the bank is not only part of their loans, but also their own deposits, which is also a large number.
However, the executive director is obviously not interested in these issues, and he will not be more involved.
He reported the problem to the superior. If something goes wrong, he doesn't need to bear joint and several liability. It doesn't matter what he loses.
Then there were new nobles, not only the imperial Royal Bank, but also all banks in and around the imperial capital. For a time, there seemed to be a special smell filled around the imperial capital, a faint smell of blood.
It's like... A drop of blood falling into the sea. It spreads in strands. You know it's in the water, but you can't see it.
You can't see, but some things can be "seen", such as sharks.
At 9:30 in the morning, the gevlar financial index plunged after the opening, falling directly by 2%.
The main reason for this sharp decline lies in what the finance minister said on the TV program last night. He wants to thoroughly investigate the operation of listed companies.
This is no joke. The trading of six heavyweight stocks was suspended, and all bank corporate accounts were frozen. The chancellor of the exchequer showed that he was really not kidding.
But just when people thought that the gevlar financial index might continue to plummet, an incredible scene appeared.
Not only did the financial index not continue to decline, but after a period of sideways trading, it tilted its head slightly. It was actually pulled up a little. Although it was not much, it did rise on the trend chart drawn by people!
The news soon spread throughout gavra, and the chancellor of the exchequer knew it.
However, he did not show any joy. Instead, he looked sarcastic and reportedly scolded.
"Bitch!"
"Although it's against the rules, I don't think it's a problem!"The head of the loan department of the Royal Bank said to an aristocrat with a smile. The aristocrat had some unhappy faces and some reserved smiles.The noble came early in the morning and asked to mortgage his manor, villa, luxury car and a large number of works of art and jewelry.To be honest, meeting such an aristocrat often means making a lot of money. There are two kinds of aristocrats.The first is that they may have participated in a gambling game and lost all their assets.There are gamblers among the nobles, and they play very big.It seems that the gamble of one or two hundred, one or two thousand, or even one or twenty thousand, one or two hundred is not exciting enough for them.When there is a certain amount of money, winning or losing is really just a change in the number of digits, which is difficult to make people's heart beat faster.Only by gambling on family property can these gamblers and nobles feel the happiness, the happiness of walking slowly on the steel wire of fate in the abyss, and the happiness of facing the unknown destiny.Gavra's history is not without aristocrats who went bankrupt at the card table, and there are more than one.There is also a possibility that the "life cycle" of these nobles is coming to an end. For example, it is uncertain whether they can get new enfeng from the emperor, and they may become civilians.The assets they hold are likely to become an incentive for them to suffer. At this time, it is a good choice to exchange the industry for money and leave gavra. Of course, it is also possible to use the money to get through the relationship and find a way for the Privy Council to declare their favor for them.In either case, they need to mortgage their property to the bank, which means that the bank can make a lot of money. Even if these people are aristocrats, the bank cannot lend them 100% of the market price.70%, which is the biggest concession. If civilians want to borrow money and mortgage in noble and royal banks, they can only get 40% to 50% of the actual value of the collateral. In merchant banks, they can get a little higher, but no more than 60%.Although 70% doesn't seem to be a lot, it's actually very much, especially there are always some good things in the hands of aristocrats.For example, gifts from the royal family, gifts from the nobility, or various works of art that some capitalists want to rely on them. If the evaluation is too high, they may use the bank as a cash channel.Early in the morning, the noble who came to the loan mortgaged almost all his industries at one go. Although the business could make money, it was not very good because there was too much money to borrow.Fortunately, this is just a little aristocrat. His family is not so rich.While saying that this matter is difficult to handle, he smiled and pressed his seal on the contract, which not only shows that this matter is really difficult to handle from the perspective of business, but also reflects his role and flexibility in the whole matter. No matter what happens in the future, he will not be a "villain"."I'll have the money transferred to your account later..."The little aristocrat 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... Surprised, "are you sure you want cash?""This cash can almost fill our house, transportation will also be a trouble, and people will know that there is so much cash in your house, which may cause uncontrollable security problems."The little noble hesitated, "I'll make a call..."Under the leadership of the supervisor, the little nobleman entered the lounge and came out a few minutes later. His expression returned to his original indifference, "yes, but you should ensure that when I want to withdraw the money at any time, they must be able to withdraw it. We need to sign an agreement..."The supervisor didn't understand, but the nobles have always been a group of people who don't understand, "in fact, you don't have to worry about this problem at all. As the head office of Imperial Bank, we have the confidence and strength to honor any withdrawal request at any time!"When he said this, he had a kind of heartfelt pride on his face. He also omitted the word "Royal". It should be imperial Royal Bank.This also reflects the strength of imperial Royal Bank.But he is confident that he can do this, but the little aristocrat doesn't think so. "If we can't sign a supplementary agreement, you have to give me cash. You don't need to consider the security issue."Seeing that the aristocrat was not joking, the supervisor hesitated, "I need to ask, please wait a moment."After leaving the room, he went to the next room and reported the news to the executive director who is currently presiding over the work of the bank through an internal telephone.Although the executive director felt a little puzzled, it was really inconvenient to think about taking out so much cash at once - it was troublesome to open the underground vault used by Imperial Bank to store cash, which required many procedures, and five directors needed to insert their own keys at the same time.He didn't think it was worth tossing about for an hour or two for such a little money."I agree with you in principle to sign this supplementary agreement, but pay attention to the wording and let the people of the legal department help you draw up the agreement..."Not long after, the supervisor returned to the room with the agreement red letter and signed the supplementary agreement with the little aristocrat.If the little aristocrat is unable to withdraw his money from the bank's account when needed, the bank shall give compensation of at least 1.5 times, and the total amount of compensation shall be increased by 5% on the basis of the total amount of the previous day for each day in arrears.The agreement didn't seem to have much problem. After the two sides signed it, the supervisor personally sent the nobles away.Before he had time to rest in his office, the reception desk called him, and another nobleman wanted a loan."What's the matter?" the supervisor looked at the phone and wondered, but he still received the noble.This nobleman had the same requirements as the previous nobleman. He mortgaged as much as possible and asked for cash. The other party also prepared enough property rights certificates. Several servants brought in more than a dozen wrapped oil paintings with some works of art.After having the same procedure, the other party also asked to sign a supplementary agreement.After all the agreements were signed, the supervisor asked softly, "it's very presumptuous to ask a question. Why do you ask to withdraw cash at any time?"The nobleman in front of the supervisor glanced at him, shook his head and didn't speak, but even if he didn't speak, the supervisor seemed to understand something."Sorry, I was rash." he took the initiative to stand up and send the noble away.After the noble got on the bus, he immediately went to the executive director's office and said something confused him. "Just now another noble came to mortgage the industry and asked for cash. I think... There may be a third and a fourth!"The executive director is a 60 year old man. He put down his work and looked at the head of the loan department, "what do you want to express?"The supervisor hesitated whether he should say it or not. Finally, he felt that he should say that once something really happened, he might also bear some responsibility.Now he speaks out the problem. If there is a problem, the responsibility is not on him."If they all come to borrow money and specify cash and withdraw at any time, will it affect our normal work?", the supervisor spoke politely. He didn't say whether there was enough money in the vault, but only that it affected our normal work.The executive director thought for a while, then shook his head, "don't worry about this problem. We have the ability to meet their requirements. You have to believe in yourself. If you can't even cope with this, we won't be the largest bank in the Empire!"The executive director picked up the pen, but his eyes were still on the supervisor, "is there anything else?"What else did the supervisor want to say, but the executive director has told him not to disturb his work. If he asks again, he may offend the executive director and can only choose to leave.What he wants to say is that the money of those nobles in the bank is not only part of their loans, but also their own deposits, which is also a large number.However, the executive director is obviously not interested in these issues, and he will not be more involved.He reported the problem to the superior. If something goes wrong, he doesn't need to bear joint and several liability. It doesn't matter what he loses.Then there were new nobles, not only the imperial Royal Bank, but also all banks in and around the imperial capital. For a time, there seemed to be a special smell filled around the imperial capital, a faint smell of blood.It's like... A drop of blood falling into the sea. It spreads in strands. You know it's in the water, but you can't see it.You can't see, but some things can be "seen", such as sharks.At 9:30 in the morning, the gevlar financial index plunged after the opening, falling directly by 2%.The main reason for this sharp decline lies in what the finance minister said on the TV program last night. He wants to thoroughly investigate the operation of listed companies.This is no joke. The trading of six heavyweight stocks was suspended, and all bank corporate accounts were frozen. The chancellor of the exchequer showed that he was really not kidding.But just when people thought that the gevlar financial index might continue to plummet, an incredible scene appeared.Not only did the financial index not continue to decline, but after a period of sideways trading, it tilted its head slightly. It was actually pulled up a little. Although it was not much, it did rise on the trend chart drawn by people!The news soon spread throughout gavra, and the chancellor of the exchequer knew it.However, he did not show any joy. Instead, he looked sarcastic and reportedly scolded."Bitch!"
