I Have a Treasure Trove

Chapter 145 Mortgage shop

In the next few days, Qin Yun has been buying, buying, and buying.

The negotiation was also very smooth, and there was no situation where the merchant was unwilling to sell. After all, Zhao Tianqiang took this situation into consideration when he did these things before.

Those who are unwilling to sell will not appear on Qin Yun's list.

Of course, there were also those who failed to reach an agreement halfway through. The other party’s asking price was too high, and Qin Yun was not a fool, so naturally he couldn’t be taken advantage of.

He is not the only one to choose.

In the end, in four days, Qin Yun bought two shops with a total of more than 200 square meters in full, each of which cost 12 million, and spent a total of 24 million!

The money withdrawn from the store before plus the money from the store, Qin Yun has a total of 34 million,

Once the two big stores bought it, only 10 million was left.

With the ten million yuan, he bought five small shops of 40 square meters.

Add up to 2 big stores and 5 small stores, and then the 34 million will be spent.

However, several days have passed, and Zhao Tianqiang had time to investigate and buy these shops. In just over a week, Qin Yun’s shop was able to draw out another two million funds!

After all, he now has six small shops in Jinling, plus four in Qingwu County, each of which has a daily turnover of at least 130,000, and ten of which have a daily turnover of at least 130,000!

More than a week has passed, and nearly 1 million from these small shops can be drawn out.

In addition, Qin Yun also has three big stores, each with a daily turnover of more than 70,000 yuan, and the combined turnover of the three big stores in one day exceeds 200,000 yuan. More than a million!

So Qin Yun was able to make up another two million.

Of course, if the money is taken out, the money earned in the remaining ten days can only be used to pay the employees of Tianyun Clothing Store and Garment Factory next month, and then they will not be able to get any money out.

However, with the money gathering formation here, Qin Yun didn't worry about anything at all.

Finally, Qin Yun came to a commercial street, where there was a small shop of 40 square meters.

"Xiaoyun, how much money do you have?" Qin Lu looked at her younger brother and couldn't help asking.

Before she heard Qin Yun say more than 30 million, she estimated that it was exactly 30 million, Qin Yun overreported.

But Qin Yun has already spent 34 million now, and he even wants to buy a shop!

"Second sister, this is the last family." Qin Yun smiled and said.

After buying this house, let him buy it again, he can't afford it anymore.

Soon the owner of the shop arrived. They were a husband and wife, but it seemed that their relationship was a little delicate and very discordant.

Looking at the situation, it is likely that the couple got divorced and sold the shop to share the assets.

Qin Yun didn't say much about this. The previous landlords sold their shops for various reasons.

After some bargaining, in the end, the last shop was sold for about two million.

So far, Qin Yun has bought eight stores.

The six houses were 40 square meters, and the two houses were more than 200 square meters. The total cost was 36 million!

This is already the money that Qin Yunji took out now.

Standing in the store, Qin Yun looked into the distance. There was a large clothing store there, which was Hanlu Clothing Store, with an area of ??150 square meters.

Such an area is only average for Hanlu clothing store. Most of its stores in Jinling are 100 square meters, and there are several large stores with an area of ??more than 300 square meters.

"However, these are not enough." Qin Yun thought silently in his heart.

In ten days or so, it will be December 1st, and by that time, there will be three new Jucai Arrays, and he will have twelve shops in Jinling!

"Sister, I use the shops I bought to mortgage the bank, how much can I borrow?"

Qin Yun looked at his second sister, Qin Lu, and asked suddenly.

"Mortgage?"

Hearing this, Qin Lu was shocked. She thought her younger brother bought these shops for stability and waiting for appreciation, but now that she just bought them, Qin Yun actually thought about mortgages.

"Xiaoyun, what are you going to do with the loan?" Qin Lu couldn't help asking.

Qin Yun explained: "My plan is to buy four shops of more than 200 square meters with full payment, and eight shops of 40 square meters. Now there are four left."

According to Qin Yun's estimation, he still wants to buy two stores of more than 200 square meters and two stores of 40 square meters.

Hearing Qin Yun's words, Qin Lu shook her head directly and said, "Xiaoyun, you are buying a house after you mortgage the house. House mortgage loans are a type of consumer loans. As for this, the bank has a Some requirements cannot be used to directly buy houses, because the state wants to prevent some real estate speculators."

She explained to Qin Yun.

Hearing this, Qin Yun frowned slightly and said, "There are still these restrictions?"

He actually doesn't know much about these.

"Then I can't get a loan?" Qin Yun asked.

He mortgaged the money from the store to buy another store, but the bank has great restrictions.

"Neither."

Qin Lu thought for a while, and said: "You have opened nine shops in Jinling, and you can use this to get a loan. And the money from your mortgage is not necessarily for buying a house, it can be used for the operation of the Tianyun Clothing Store, disbursement Employee salaries and so on, after all, these are big expenses. The money earned by Tianyun Clothing Store can be used to buy a house. There is no special limit for these banks, and there is a lot of room for manipulation. All they care about is the ability to repay the loan in time .”

"However, these must provide the monthly turnover of the Tianyun Clothing Store and so on."

The bank is to make money. If it has the ability to repay, etc., it will naturally be willing to provide loans.

Qin Yun nodded.

Tianyun clothing store is increasing rapidly every month, and this month's turnover is estimated to be close to 10 million, which is enough to prove his repayment ability.

"However, Xiaoyun, are you really using the money to continue opening the clothing store?" Qin Lu hesitated, but couldn't help asking.

Although she is Qin Yun's older sister, the Hanlu costume is obviously much stronger than Tian Yun, which cannot be denied.

But now Qin Yun still chooses to compete and has not given up.

"Well, of course we have to open it. Any branded clothing will encounter various problems in the process of starting a business. If you encounter problems, you will shrink back. How can I be called a branded clothing?" Qin Yun looked at the shop behind him and smiled. road.

Success is not so easy, but for him, the road to success is far wider than others.

Looking at her younger brother, Qin Lu seemed to feel a strong sense of confidence.

"it is good."

She nodded and said, "Then we will go to the bank to apply for a loan tomorrow."

Now it is evening, and the bank is about to close.

Time flies, and the next day will come soon.

(Thanks to Bansheng Liangliang for the 1500 tip, thanks to Wei Shi’s Azhong for the 200 tip, and thanks to Z188888888 for the 100 tip, thank you.)

Recommend a book:

"Rebirth of Russia as an Oligarch" by Liu Liwan

Reborn at the turn of the century, in Moscow, just off the plane, ready to study abroad...

Originally, Wang Ye only wanted to get rich and live his life in peace and happiness.

But being pushed by the hand of fate, I can't help but walk towards the road of oligarchs!

(end of this chapter)

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