The Zhou family took out an existing idle house as collateral, so the developer took pre-examination of the materials instead of the cooperative loan on the same day, and thought there was no problem, so he accepted it.

The procedures were run by two girls Feng Yiji and Zhou Tianyin. Especially Feng Yiji, a top financial student at Qianjiang University for four years, now lives in the four major offices, and is very clear about these abilities.

However, Feng Yiji's own materials were in trouble.

That day, she was still very hesitant whether to take advantage of this muddy water. After calling Feng Jianxiong, Feng Jianxiong told her that she must buy it. The value-added house must be cost-effective and there will be money. This made Feng Yiji determined that even after receiving the 7 million yuan final payment from Jin Chengyi in September, he would immediately have a new way of making money so that his sister would not have to worry.

Considering Feng Jianxiong's repeated miracles now, Feng Yiji's trust in his younger brother has been completely overwhelmed, almost to the point where she believes whatever Feng Jianxiong said.

However, Feng Yiji's willingness to believe in his younger brother does not mean that outsiders, especially the bank's asset appraisers, are willing to believe in it.

The Feng family has no other mortgaged property, so they can only pay a mortgage. The official face of the siblings can expect that the income will not meet the standards, so the mortgage will not be approved.

Things failed that day, and even Zhou Tianyin felt it was a bit unreliable and advised her best friend: "Don't show off. If you really can't change the market, you were just hanging out with me, and there is no reason to admit it and buy it here."

"No, Xiaoxiong said this place must be the most cost-effective. I believe Xiaoxiong's vision the most now." Feng Yiji refused, completely like a woman who lost her will.

Zhou Tianyin bit her lip and thought about it, but she didn't want her best friend to be too embarrassed, so she tried to ask: "Or, I have more than one empty house in my house. I will convince my parents to mortgage another one to help you turn around?"

"Cha? Why are you so embarrassed?" Feng Yiji thought about it and suddenly felt that it was inappropriate. Although she was her best friend, she was not a relative or a friend. Of course, Zhou Tianyin was so generous, which still touched her quite a lot.

Zhou Tianyin forced a smile and did not take credit: "Actually it's nothing, it's not that I'm lending you for nothing. It's just that the bankers don't believe you and Xiaoxiong can make a fortune, I'm willing to believe it."

"It's really no need. I'll ask Xiaoxiong again. He should have a solution." Feng Yiji refused his best friend's kindness tenaciously.

...

That night, Feng Jianxiong and Snicker returned from learning to drive.

Feng Yiji had just put up dinner and told him this trouble: "Neither of us has a qualified income certificate, and the bank will not pay a mortgage."

Feng Jianxiong was just sitting down at the dining table. He was stunned when he heard this. He thought for a moment and smiled indifferently: "What's the matter? The income proof required for the mortgage may not be a stable salary income. The operating income is also counted. I handed over the revenue and financial materials of the 'Jianxiong Business Consulting Company', plus our equity proof, can't it be mortgaged?"

When Feng Jianxiong mentioned this, Feng Yiji immediately remembered that Feng Jianxiong did run two companies last semester.

According to the old Company Law, it is necessary to open a normal company in China to have at least two shareholders. Even if the new law, which was just revised in 2006, has the concept of "one-person company", there are five additional restrictions on "one-person company".

For example, a natural person can only establish a one-person company, and a one-person company cannot establish another one-person company as a shareholder. Therefore, for people like Feng Jianxiong who have to do a lot of business and need a lot of empty shells, they will not encounter the trouble of "one-person company" and there is no need to make a mistake.

When Feng Jianxiong opened a company, he borrowed the authorization from his sister. The money was actually all paid by Feng Jianxiong, and he nominally gave Feng Yiji 5% of the shares. At that time, Snicker had not yet become Feng Jianxiong's woman, so he naturally could not trust the other party. Moreover, even now, Snicker's efforts are not worthy of Feng Jianxiong's 5% of the shares.

Feng Jianxiong didn't want to pollute Snicker as a gold-worshiping woman and use money to humiliate the other party. He would rather believe that Snicker was committed to him because of his admiration and gratitude.

After Feng Yiji remembered this incident, she sorted out her thoughts and asked back: "But aren't your two companies? How much revenue can they have?"

Feng Jianxiong smiled wisely: "My transaction with Jin Chengyi was completed between a disguised as a 'Jianxiong Business Consulting Company' and a technical service company that Jin Chengyi specially opened for patents. My contract with Jin Chengyi cannot be seen in the light, nor can we use it to prove our strength. But the revenue of the business consulting company can be proved to be seen in the light, isn't this a waste?"

Feng Yiji thought about it, and then suddenly felt a little uneasy: "Did you ask Jin Chengyi for money through the shell of a business consulting company? Wouldn't you still have to issue a 10 million consultation fee ticket to him? What should you do if the tax is done at that time? You are a business without a foundation, and there is no place to deduct the deduction."

Feng Jianxiong shrugged: "Isn't this the money I received just at the beginning of the month? The third quarter account is still early. At that time, I will definitely find a way to make the cost report."

Feng Yiji bit her lip and thought for a while, and said, "Do you have returned the accountant you are looking for now. I'll find a way for you to do this. You are really, if you didn't ask about the mortgage today, you would have forgotten it!"

There is no reason why there is a sister who is a PwC accountant and a major shareholder at home, so she doesn't need to go outside to find CFO.

Snicker, who had been listening like a young wife, lowered his head to peel shrimps for Feng Jianxiong and Feng Yiji, while thinking to himself: "It turns out that I'm so useless. I haven't even figured out how to operate such a leather bag company. I'm sorry I'm still studying law..."

...

The bank did not handle loan business on weekends, so Feng Yiji took a special leave on Monday. There were still some procedures for the Zhou family’s loan to be completed in person, so Zhou Tianyin drove and took Feng’s siblings and Snicker to the mortgage deal early in the morning.

Just after nine o'clock, the hall of China Merchants Bank Xixi Branch was crowded with people, and it was much better to get the window to apply for mortgages.

The tellers are all girls with at least six points in appearance, and they are also beautiful girls with seven or eight points in sight, but they are all working hard and reviewing the materials.

The lobby manager Cheng Yanyan was busy patrolling, helping her subordinates verify the ambiguous materials of customers and answering questions.

"It seems that the out-of-print villa of Greentown Real Estate last week sold well, and so many people came to apply for loans. Moreover, the proportion of additional mortgage loans for existing houses is so high, it seems that real estate speculators are taking action." Cheng Yanyan handled several problems and lost some unreliable applications, thinking in her heart.

She is about 26 or 27 years old, younger than some better tellers. She came to China Merchants Bank after graduating from undergraduate studies and was a loan reviewer. Because she was very good at risk control, she was promoted to the position of lobby manager.

So although she only has three or four years of work experience, she has a very keen eye for clients. Many times, by looking at someone with intuition, you can see how many figures this person can count money.

Cheng Yanyan had just taken a break and wandered around for less than two minutes when she heard Wen Ying at counter No. 3 shouting: "Manager, there is a mortgage application here. The property I received is a personal company revenue. Can you help me see if it meets the requirements?"

Cheng Yanyan put down the teacup that was drinking Jin Junmei and hurried over. Wenying had a good relationship with her. She knew her in college and was a junior girl who was two levels lower than her in the same major, so she naturally had to take care of her.

While walking quickly, she kept saying: "What's wrong? It's okay to use the company's revenue as a proof of property. As long as the flow is normal, there is no bad record of refusing dividends, and it confirmed the purchaser's holdings in the company..."

When she said this, she had already scanned a few pages of the materials submitted by Feng Yiji, but her brows frowned.

"A consulting company that has just established such a short time? It actually has so much revenue? It's not just a waste of money or a bridge of funds for people, right?" This idea almost instinctively jumped into Cheng Yanyan's mind.

After four years of loan review in the bank, she has seen too many cases of using a bag company to cross the bridge funds to falsely prove her own financial resources.

She subconsciously looked up and asked, "May I ask, are the two major shareholders stated in this license, Feng Jianxiong and Feng Yiji, here? Which of you?"

She asked while scanning the group of people in front of her, and then she thought that Zhou Tianyin was the "Feng Yiji"?

After all, Zhou Tianyin looks like an intellectual and mature lady, and she looks like a lady from a wealthy family. It is not surprising that such a person has family support, so it is not surprising that he has big business.

However, the next second, the Ogami who looked only 15 years old in front of her, who looked like a junior high school student or a senior high school student, spoke up and immediately broke her imagination: "I am Feng Yiji, this is my brother Feng Jianxiong."

Feng Yiji pointed at Feng Jianxiong while admitting her identity.

"So young!" Cheng Yanyan was shocked, "Oh no, it should be said that...small teeth! That man looks almost 20 years old, but his sister is still so young, this boy is not developing too anxiously, right? How can such a child runs a company that can have financial resources? No, is the reviewer of the industrial and commercial registration department vegetarian? How can such a child who is so young that he has no civil capacity to start a company?"

Even though she has good psychological quality, most of her inner activities have not been expressed, but a little bit of it is enough to offend people. She only heard her question awkwardly: "Little kid, please don't joke with us, we are very busy..."

Wen Ying, a junior girl next to her, knew she was going to be affected by this. She quickly pulled the corner of Cheng Yanyan's skirt - Xia Tian wore short-sleeved clothes, without any sleeves to pull.

"Manager, their identities are fine. I have checked the certificate - the girl is 21, and the man will be 19 in a few months."

Cheng Yanyan suddenly wanted to die: The girl of 21 looks like this? God is unfair! Why don’t you let your sister grow up for 6 years? Now you can go out and pretend to be a girl of 21!

Fortunately, she is very professional. After calming down, she looked carefully again, and then explained with a sincere smile:

"Ahem, sorry, I didn't understand the situation just now. But Miss Feng, Mr. Feng, I think the loan for your material is not easy to handle - this company has been established too abruptly, there is no physical business, and it is impossible to prove that they can maintain such high revenue in the long run. And your down payment is only 30%, and you have to borrow more than 5 million... In the case of unclear housing price trends, we are too risky."
Chapter completed!