"This is a borrowed car for me, and so is the driver. Can I join the Mercedes family in this way?"

In front of Song Shiwei, Chen Zhu did not conceal the true origin of the vehicle.

Song Shiwei was not very surprised. When she heard about it in the morning, she guessed that it was borrowed.

But what puzzled her was why Chen Zhu needed to use the car again today and drove to school specifically.

If this is the case, wouldn’t it confirm those disturbing rumors?

The two did not go into Starbucks immediately, but stood outside and chatted.

At noon in Guangzhou in early February, the weather was neither cold nor hot.

The sunlight was filtered by the layers of leaves, leaking onto the two of them and turning into a faint, round, gently swaying halo.

Song Shiwei originally wore a white Nike sweatshirt, but now he looks like he is wearing a sports floral long-sleeved shirt.

One of them is handsome and gentle, holding a textbook in his hand;

A beautiful, leisurely, cool expression with a touch of gentleness.

In the eyes of others, this scene of chatting under the shade of a tree may be the real picture of handsome men and beautiful women in love in youth novels.

"That's what I thought."

Faced with Sister Sweet's question, Chen Zhu must have thought about it carefully, so he said without thinking:

"The current situation is a bit difficult to get out of. It feels like everyone has already determined that this car is mine, and no matter how I explain it, it is useless."

"If I insist on denying it, it is likely to have a certain degree of negative impact on the reputation of myself and the company."

"The company will also have various receptions and business negotiations in the future, and it does need a car."

"In addition, from the students' reactions, we can know that a high-end car is quite a bonus."

"so……"

Chen Zhu looked at Song Shiwei, his meaning was already obvious.

"Are you going to make it real?"

Song Shiwei's eyes narrowed.

Chen Zhu nodded.

Song Shi frowned slightly. She naturally knew that a company could not survive without a business car, so she also agreed to retroactively purchase a car.

But is it necessary to be so expensive?

Chen Zhu's current total assets are only 3 million to 4 million. After buying the S600, he still has spare money for other things?

This is not Chen Zhu's usual style of doing things. Could it be possible...

"Are you going to take possession of this second-hand car?"

Song Shiwei suddenly asked.

There is no doubt that second-hand cars are a good choice. They can add dignity and show off, and they are much cheaper than new cars.

If you buy a car from a friend, you might be able to get a better discount.

"second hand?"

Chen Zhu smiled. The school beauty Song didn't guess correctly this time.

"I'm going to buy a new car."

Chen Zhu calmed down and said seriously.

Song Shiwei said nothing. His bright eyes were like brown glass beads, and he looked at Chen Zhu calmly, waiting for his explanation.

Chen Zhu is not the kind of person who spends money in the future to enjoy the present.

“Do you know the current operating model of real estate companies?”

Chen Zhu did not explain directly, but suddenly changed the topic to another place.

Song Shiwei knew that Chen Zhu meant something, but she really didn't know much about real estate, so she shook her head.

The fair and tender beautiful face also swayed. If there weren't so many people here, Chen Zhu would have wanted to reach out and pinch it.

"They first obtained the land through bidding. For example, the land was worth 2 billion yuan. After the real estate group got the land through bidding, it did not pay, but mortgaged it to the bank."

There was some sarcasm in Chen Zhu's eyes: "Because the internal relationships have been well established for a long time, the mortgage amount is generally not lower than the land price, so for the real estate group, it is equivalent to getting a certain piece of land without spending a penny."

"After the house is built and the funds are recovered through pre-sale properties, the mortgage loan from the bank will be paid off first."

Chen Zhu said quietly: "The rest are net profits."

"That's it..."

This was the first time Song Shiwei heard this kind of industry insider information.

After all, it was only 2008, so it was considered top secret news in the real estate industry.

From a financial point of view, this is equivalent to leveraging billions or even tens of billions of real estate in the future at zero cost. It is the ultimate way to play with nothing, and it does not violate relevant laws.

In other words, this loophole seems to have been specially left for those with connections to exploit.

The reason why real estate companies are prone to explosions fifteen years later is because the houses cannot be sold and the capital chain is broken, making them unable to repay bank loans.

But after hearing this, the smart thing is that Sister Sweet also knows what Chen Zhu means.

He planned to buy a brand new Mercedes-Benz S600 and then mortgage it to the bank.

This is equivalent to getting back at least half, or even all, of the money you paid for the car.

Then, while using the new car, you only need to pay low mortgage interest.

When you make money, you can just pay it back in one lump sum before the contract expires.

For Song Shiwei, a student majoring in finance at the Business School, she never thought about not repaying the loan.

First of all, this is illegal.

Secondly, people have borrowed and repaid since ancient times. Which good person borrowed money and then planned to run away and go abroad in order to get rid of it.jpg Dog Head.

Of course, Chen Zhu never thought about not paying back the money, even his logic was:

Instead of lending it to companies that cannot repay it later, it will end up being a bad debt.

Why don't you lend it to me? I know Mr. Chen has a strong party spirit and strong consciousness, and the projects under his command have a bright future.

It is absolutely possible to repay the debt on time with interest and promote the vigorous development of the country's GDP and economic internal circulation.

Song Shiwei only felt that this method of lending required deep banking relationships. Did Chen Zhu have any connections in this area?

However, Chen Zhu obviously didn't want to talk more about this point. After all, this was on the side of the road, and things like ears on the walls happened from time to time.

The line of Brother Zheng Wenlong of the Agricultural Bank of China is more important, so it must be treated very carefully.

In short, Chen Zhu expresses this meaning, since the students all think that I, Mr. Chen, should have a car worth 3 million.

Okay, then I will really have it soon.

The car matter was over for the time being. Since Chen Zhu had his own plan, Song Shiwei did not continue to ask any more questions.

S600 is relatively rare for other people, but for Song Xiaohua, she has one at home and can ride on it at any time.

Next, Chen Zhu began to inquire about the negotiation process between Song Shiwei and the 3D animation production company in Hangzhou.

Why was the set goal not achieved?

"It feels like... they look down on me and Cong Ni a little."

Song Shi said with a little bit of unhappiness in his eyebrows.

In front of Chen Zhu, she unconsciously showed more and more of her personal emotions.

Chen Zhu looked inside Starbucks and saw a small round table filled with documents and notebooks.

Besides Cong Ni, there were three other people, two men and one woman.

They were also looking at themselves through the glass windows.

Chen had a gentle smile on his face, showing a row of white teeth.

In 2024, he would look a bit like a harmless college boy with a cute voice.

"Because of your age and status?"

Chen Zhu asked Song Shiwei.

"Um……"

Song Shiwei also didn't expect that the three people who were polite on the phone before would still speak respectfully after knowing his age and identity as a freshman.

However, there is no longer the same sense of awe as before, and they insist on not retreating in terms of financing conditions.

This made Song Shiwei a little frustrated.

The negotiations also reached a stalemate for a time.

Just at this moment, Chen Zhu came over.

······

(There’s another chapter tonight.)
Chapter completed!