Chapter 5: Getting Money Through Loans
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Zhang Yi replied, “My name is Zhang Yi. I want to book 500 banquet tables. Is there any problem on your end?”
The manager was startled; since the hotel opened, they had never encountered such a large order before.
However, with such a sizable booking, if it came through, they certainly had to accept it.
“Mr. Zhang, 500 banquet tables will cost over a million yuan. If you need, we can prepare immediately, but we require a 200,000 yuan deposit in advance.”
Zhang Yi answered, “No problem. Send me your account details, and I’ll transfer the money right away.”
With money involved, things were naturally easier to handle. The manager readily agreed and added Zhang Yi as a contact, sending over the bank account information.
Without hesitation, Zhang Yi transferred the 200,000 yuan.
After confirming the deposit with finance, the manager immediately started instructing the various departments.
“Hurry, hurry! We have a big order! Procurement, stock up quickly. Kitchen, hold off on other takeout orders for now!”
“We have to prepare 500 banquet tables within a day!”
Meanwhile, after hanging up, Zhang Yi sighed, “Although the money will be useless in a month, I still need it now to buy things.”
In his hands were the inheritance left by his parents combined with his own savings, totaling about two million yuan.
Half of it was gone just like that, and honestly, it stung a little.
But then he thought, this was actually a good thing.
Many people clutch large sums of money only to have it become worthless later.
Not everyone gets the chance to spend their money.
“Still, there will be many places needing funds ahead. I have to find a way to get more money.”
Zhang Yi’s eyes immediately landed on his own house.
This property was located in the city’s central district, covering 120 square meters. The community was built ten years ago.
At today’s market price, it was worth over 40,000 yuan per square meter.
That meant the house was now worth at least five million yuan.
“I’ve got it. I’ll mortgage it for a loan. That way, I’ll have money.”
Zhang Yi smiled slyly. Borrowing money he didn’t have to repay right away felt incredibly comfortable.
He left home and drove to the bank to apply for a loan.
On the way, he received a message from Fang Yuqing.
“Zhang Yi, this weekend is so boring. I really wish someone could accompany me for a stroll.”
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Zhang Yi glanced at it and tossed his phone aside.
He arrived at the bank and started the loan application.
Since the loan amount was large and all his documents were in order—and the house had been fully paid off—the loan was approved quickly, but the bank offered only four million yuan.
Zhang Yi didn’t haggle. After all, it was free money coming his way, and he didn’t have time to argue with the bank.
After signing promptly, the bank transferred the money into his account.
“After spending over a million on the banquet, I still have about five million left.”
“That should be enough to renovate the house. But I’ll also need a lot of money to buy medicine and weapons. This might not be enough.”
Zhang Yi rubbed his chin, pondering how to secure more funds.
Just then, a blond man on the roadside noticed Zhang Yi deep in thought and brightened up, quickly approaching him.
“Hey, buddy, do you need money?”
Zhang Yi looked up at the blond man.
“Who are you?”
The man’s smile deepened as he lowered his voice.
“I’m just asking—do you really need money? The bank won’t lend you any?”
Hearing this, Zhang Yi immediately understood the man’s intention.
It was definitely a loan shark.
Zhang Yi’s mind raced with a plan.
He sighed, feigning difficulty.
“Yes, my family business urgently needs funds for cash flow. But the bank…”
He deliberately made a troubled expression.
The blond man instantly caught on.
Anyone who could borrow from the bank wouldn’t come running to loan sharks.
He said, “Yeah, banks are strict these days. So many rules and red tape, and the money comes slowly.”
“But brother, if you’re desperate for money, I can help you out.”
Zhang Yi cautiously eyed the man.
“You? Can you really help? I need several million!”
The blond man’s eyes gleamed with excitement.
He pulled a business card from his pocket and handed it to Zhang Yi.
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“Our company specializes in rescuing people from financial distress. If you need money, come to us. You won’t go wrong!”
Zhang Yi glanced at it. The card read “DuoDuo Loan Financial Services Co., Ltd.”
The man’s name was Hu Minghua, the business manager.
Zhang Yi said eagerly, “Can you really lend me money? I need five million. If you can help me through this, I promise to repay it all within three months!”
Hu Minghua smiled, “That’s negotiable. Our company is very capable. We specialize in helping people like you who lack working capital.”
“Come with me; let’s discuss this properly at the office.”
Zhang Yi nodded with anticipation and followed Hu Minghua to their office.
The so-called office was in a remote office building.
Upon entering, Hu Minghua led Zhang Yi to their boss’s office.
The loan company’s boss was a burly man dressed in a branded Bandilu suit, clearly trying to present a professional image.
But his brow bore a hint of menace.
Only someone experienced in the rougher side of life would notice it.
Hu Minghua introduced Zhang Yi’s situation to the boss.
“Manager, this is a client who wants to borrow money from us.”
The boss, named Chen Xiong, smiled and invited Zhang Yi to sit.
“Mr. Zhang, how much do you want to borrow?”
True to a loan shark’s style, the conversation was blunt and straightforward.
Such companies were inherently informal, with no tangled rules.
Besides, they had plenty of ways to make sure you repay; they weren’t worried about defaults.
Zhang Yi said, “I want to borrow five million.”
Chen Xiong frowned. “That’s not a small sum. But Mr. Zhang, I must warn you, our interest rates are very high. You need to be prepared.”
Hu Minghua chimed in, “Mr. Zhang’s business urgently needs cash flow. Once the business turns around, he’ll make the money back quickly, right?”
The two played off each other, all under Zhang Yi’s watchful eye.
Zhang Yi still acted desperate, saying, “Yes, I can repay soon. High interest or not, as long as you lend me the money.”
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