Extraordinary Genius

Kirilenko helped Feng Yu with his bank loan in Ukraine and, in any case, could not bypass his brothers. However, Feng Yu can tell from the attitude of the brothers that the brothers were not happy with Feng Yu's choice, but did not show obvious disgust. It should be Kirilenko who talked to the brothers.

Feng Yu thought that meeting with the governor of the Ukrainian bank was definitely at the bank, but the energy of the brothers was amazing, and the governor of the Ukrainian bank came to the house of the brothers.

“Von, let me introduce you to Mr. Kovsky, the president of the Ukrainian branch of our Soviet bank, Mr. Kovsky, and this is Von from Huaxia, my good friend in Huaxia. ”

“Mr. Feng, hello.” For Feng Yu's youth, Kowski was not too surprised. He met many Soviet generations, thinking that Feng Yu must be Hua Xia's second generation, otherwise how can they be friends?

“Mr. Kowski, hello. I've heard so much about you, it's only the first time I've seen you today. ”

Feng Yu's Huaxia-style chill did not work, and Kowski went straight to the subject: “I heard Mr. Feng intends to borrow a sum in our Ukrainian bank, I don't know how much you intend to borrow, what collateral you use, or who will guarantee you? ”

Simply put, loans are divided into mortgages and secured loans, the others being irregular. Of course, banks have not lent without bright and significant irregularities, such as Citibank in Xiangjiang. In previous life, there were a great many loans of HK $1 billion to Superman Li, and the mortgaged assets were less than 100 million, and there were no guarantors.

However, Citibank still has the loan and is not worried that the other party will not be able to repay the loan. Just because the old man was Superman Lee, they didn't believe Superman Lee would go to jail for the district's billions of Hong Kong dollars. Even if the bank doesn't win, Superman Li can't abandon him.

Since anyone else can do it at Citibank, Feng Yu believes that the corrupt Soviet Union will be all the more fine at this time.

“Mr. Kowski, I'd like to borrow a hundred million rubles. ”

Kowski looked at Feng Yu with surprise and looked at his brother again. He came this time just to give the brothers a face. He thought that the brothers' friend, that is, the loan of millions of rubles, he never thought that this Huaxia man would have to lend so much money!

A hundred million rubles. What's he gonna do? If it weren't for my brother's house, he would have turned around and gone. Do you know how much a hundred million rubles is?

“What do you take as collateral?” Kowski frowned and asked.

Feng Yu took out some of the documents already prepared, which were, of course, photocopies, the originals of which had long been mortgaged to the Icelandic industry.

Of course, Kowski understands the information in Russian, but the Chinese assets prove that he doesn't understand it at all, but he just sees the figure calculated above, worth a little over 800 million dollars.

Hey, this guy has so much money, that loan of 100 million is definitely not a problem.

Wait a minute. This is Huaxia's file. The value of the assets on it is not measured by Huaxia's RMB, is it?

If it was just 800 million RMB, it would be 30 million rubles, too far from a billion rubles!

Mortgages and loan amounts in general banks are lower than the value of the encumbered assets, as the risk of possible devaluation of the encumbered assets is taken into account.

With over 30 million rubles, he can lend 30 million rubles, and even if it's the highest, he wants to lend 100 million?

“What is the total value of your assets? ”

“At the rate of exchange at this time, over 30 million.” Feng Yu answered seriously.

Kowski just stood up and said, "I think you've got the wrong guy, over 30 million assets, and I can't lend you a hundred million rubles without another guarantor! ”

The brothers are not big enough to be worth 70 million rubles. Moreover, the brothers had no intention of offering guarantees at all.

Without a guarantor, only a few assets, he would never lend so much to this Chinese man!

“Don't worry, Mr. Kovsky. If you look at this document, it says a little more than 800 million, so long as the censors relax a little, they'll pass?” Kirilenko said slowly.

“What do you mean?” Kowski was furious.

Kirilenko sticks out a slap: “Mr. Kovsky, if you raise your hand in this matter, I can take charge of Von and let him give you half a million rubles, which exist in your overseas bank account. Half a million rubles. How much do you get for a year? ”

Although Kowski is the president of the Ukrainian branch, his salary for a year is only 10,000 rubles, 500,000 rubles, but his wages for 40 to 50 years combined.

Seeing Kowski hesitate, Kirilenko continued: "And I can get someone to vouch for him, and I can assure you that he will pay on time and will never be in arrears. Can Mr. Kowski not even trust me and my brothers? ”

“Half a million rubles is too little. You borrowed at least 70 million more rubles to give me this? I want seven million rubles! ”

When Kowski came, he thought the other loan must be a problem, otherwise why don't you invite him over and go straight to the bank? But he didn't think that the other party wanted to borrow so much more in violation. He felt it was too risky and he needed a sum of money to reassure himself.

Feng Yu didn't say a word, Kirilenko continued: "Mr. Kovsky, 7 million rubles, don't you think that's too much? We're not just hitting you alone, a million rubles, with this money, enough for you to be worry-free. ”

Feng Yu thought that he might be able to save a million rubles for a dollar, but if he still has the rubles, it would surely cost him all in less than two years!

“At least five million. ”

“Just a million, you're at risk, we're at risk, and I think we've paid you enough, people can't be greedy. But if you can promise me one more condition, I can raise the price a little.” Kirilenko put up a finger.

“On what terms? ”

“My friend Feng, wants to borrow for eight years, and the interest is at the end of the eighth year, with the principal fully repaid. ”

“What do you mean, you don't even want to pay interest until the eighth year? It's impossible!” He's under a lot of pressure for a loan of this magnitude without paying back the interest first.

“Interest can be a little higher than standard, and I can give you two million rubles. Listen up, it's two million rubles. Loan it down, put it in your account now! ”

“Neither can that. It's not a rule. ”

“Three million rubles, that's the highest price I can offer, and you know that the Soviet Union is not the only Ukrainian branch.” Kirilenko continues to attack.

Kovsky's hands trembled with the cigar, and he hesitated inside. With three million rubles, his wife and children would have a better life, and all of that, as long as he was the president of the Ukrainian branch, would not be discovered, even if he could be planted on someone else's head, and his risks were actually manageable.

Feng Yu waited patiently, he believed that Ki Brother, giving gifts in the Soviet Union, Ki Brother was obviously more familiar with “the price” than he!

Kowski pushed the cigar out of the ashtray and sat up straight: "Eight years is no good. I can promise you six years at most. ”

Kirilenko looked at Feng Yu and Feng Yu nodded.

“Okay, six years is six years, but the loan has to come down in a month!” Kirilenko said.

“You can find the right guarantor, and I guarantee that you will be able to make a loan in a week when the process is complete! ”

Feng Yu clenched his fist and was very excited. The first loan seemed to be settled!