I am a nobleman in England

"Boom boom——"

"Please come in."

"Earl, financial adviser Robert Long and lawyer James Cronin have arrived."

While Arthur put the picture album in his hand and put the stone in the box, he said to Paul the housekeeper standing at the door: "Please come in."

"Okay, count." Paul the butler nodded slightly in response, then turned and left.

After installing the picture book and the stone, Arthur put the box aside, stood up and walked to the coat mirror, sorted out the clothes on his lower body, straightened the cap on his head, and walked to the middle of the study, waiting The arrival of guests.

Before long, the door was knocked again.

"Please come in."

The door was pushed open, and the butler Paul was in front. He reached out and followed the two middle-aged men in suits and meticulous combing of hair. They looked very capable. Both of them managed their bodies more successfully. The pair of glasses is James Cronin, a lawyer familiar with Arthur, so it goes without saying that the other is Robert Lang, his Boleyn family's asset management consultant.

"Good afternoon, MyLord."

"Good afternoon, MyLord."

Regarding the two gentlemen’s greetings, Arthur also smiled back. To tell the truth, the British are really hypocritical. On the one hand, they reject the aristocratic class, but when they really meet the nobles, they will maintain the etiquette and courtesy of the nobles. Respect, I can't wait for them to become a member of the nobility.

"Please sit down, what can you two drink? Coffee or black tea?"

Arthur smiled calmly and entertained the two to sit down, and then asked politely.

"Black tea, thank you."

"I am also black tea, thank you."

Arthur smiled and nodded, and looked at the steward Paul on the side with a smile: "Paul, three cups of black tea."

"Okay, please wait for the count and the two of you." Paul the butler said with a smile, and then walked towards the door with his head high.

"Lord, this is part of the tuition refunded by the Castle School of Management...a check for £15,000." The lawyer James Cronin took out an envelope from his purse and handed it to Arthur with a pale face. Explained with a smile.

"Hehe, I knew that it was the most correct decision to leave it to you, and you won't disappoint." Arthur took the envelope, raised his mouth, and praised with a happily smile.

"Thank you for your compliment, this is what I should do." James Cronin responded with a smile.

Arthur opened the envelope, took out the check inside, took a look at the number, and then reloaded it into the envelope. This was the first loss he recovered as the earl, and he was happy.

In the space between the three chatting, the butler Paul walked into the study with the waiter carrying black tea. After pouring the black tea, the waiter left, and the butler Paul stood beside Arthur as before.

When the three of them had a few sips of black tea, Arthur put the teacup on the table first, looked at his lawyer and consultant with a smile, and said, "I will invite two people over this time. The main reason is that I need two people to help me. ."

Both Robert Long and James Cronin put down the tea cups in their hands, looked at each other, and said one after another: "I am willing to help you at any time."

Arthur smiled and nodded, without going around in circles, he said straightforwardly: "I want to use the land of Bolin Manor to mortgage the bank..."

Although Paul, the butler who has been standing next to Arthur, was prepared, he heard a hint of helplessness on his face when Arthur said it himself. He could not understand why Arthur had to take this step. A loan in pound sterling, the annual interest generated by the production value of the manor and the profits of the newspaper and publishing houses are a huge burden. If it is not done, it will go bankrupt and the risk is too great.

Similarly, Robert Lang, a consultant who understands the financial situation of the Bolling family, frowned. He has been serving the Bolling family for more than 15 years since the old Earl Francis, although now due to the inheritance tax issue, There have been some problems with the financial situation of the Boling family, but as long as the income is reduced and the expenditure is kept for two years and the economic environment improves, the financial situation of the Boling family will return to balance. There is no need to take such a big risk to borrow from the bank.

"Lord, in fact, the financial situation of the Bolling family is still good. It is of good grade. There is no need to borrow from the bank. If you are worried about the debt problem of the Southern Daily Echo, I have a solution here. Any loss will wipe out the debt."

Arthur did not show upset about Robert Long’s advice. After all, the other party was also out of good intentions. He had to say that the people his cheap father left him were very good in character and ability, and he was also What the other party said that the debt can be easily wiped out aroused interest.

"Oh? What can I do?"

"In the first two months, the government has just amended some provisions of the bankruptcy law, and the bankruptcy conditions have become more relaxed. It only takes one year for enterprises or individuals to complete the entire bankruptcy process and discharge their debts.

As long as we put the "Southern Daily Echo" newspaper into bankruptcy protection, we can complete the procedure within December and then easily wipe out all debts. This method has been implemented by many business representatives or individuals from other European countries. , Totally feasible."

Hearing this, the corners of Arthur's mouth twitched, and he complained. Can TM's be so shameless?Thinking, turned his gaze to the lawyer James who was aside.

"It is indeed feasible. Compared with other European countries such as Germany, Austria, France and Iceland, our bankruptcy conditions are extremely loose. Taking Germany and Iceland as examples, due to the imperfect German bankruptcy laws, general companies or individuals have to wait 6 years after declaring bankruptcy. Debts cannot be discharged until 9 years, and bankrupt companies or individuals in Iceland have to wait an average of 12 years.

We can complete the procedure in December and get rid of bankruptcy restrictions and debt distress.Lawyer James nodded and explained to Arthur who was looking at him.

Well, it can really be so shameless!Sure enough, the old capitalist countries will play......

If it weren’t for the use of money to make money and invest, maybe he would really use this method to cheat the bank and wipe out the debt. However, this method will not work now, because he cannot bear the burden of bankruptcy, and he needs to get from the bank. Borrow money, borrow tens of millions of pounds!

"Haha, a good way, but it's a pity..." Arthur shook his head and smiled, his eyes firm, and he looked at Robert Lang seriously and continued: "I still insist on using the estate of the manor as a mortgage and borrowing from the bank. I need this. Money is very much needed!"

Hearing the firm and persistent attitude in Arthur’s words, Robert Long frowned slightly and looked at Paul, the butler standing next to Arthur, without any trace. Paul nodded at him with a helpless look. Robert Lang was also quite Feeling helpless, there is no way, these assets belong to Arthur Boleyn, he can deal with it whatever he wants, but Robert's eyes look at Arthur with an invisible indifference and contempt.

"Lord, how much do you want to borrow?"

"Of course, the more the better. I know that Boleyn Manor has consulted with the appraisal company before. It is worth 40 million pounds. If possible, I hope it will be a 40 million pounds loan." Arthur keenly felt Robert Lang's change. , However, he didn't care, but said indifferently.

Robert Lang twitched, shook his head and said: "Impossible, banks will not lend in full based on the assessed price. Moreover, in the current economic environment, you should also know that major banks have already tightened their lending business. Commercial land is falling, and the land of the manor cannot be used for commercial development, so the value will be discounted by the bank.

Fortunately, because of the financial crisis, the central bank lowered the benchmark interest rate to 0.5% in March this year to promote the increase in the number of mortgage loans. Correspondingly, investors' mortgage interest rates have also remained at historically low levels.The loan interest rate can generally be controlled between 2.8% and 3.5%. For local residents living in the UK for a long time, if their income and credit history are good, the mortgage interest rate can be as low as 0.99%..."