Chapter 1277 Apply for interest-free loan
Li Shouquan and the others were easy to talk to, and there was nothing wrong with saying hello in advance. Anyway, when their ship was full, they just came over in time to collect the goods.
They come here every day to harvest, but their cabin is actually not full. They just think that there are many fishing boats, and the harvest boat comes out every day, which can just fill up one boat and go back.
At first, it was for Ye Yaodong's sake, as they were worried that he would consume fuel by traveling back and forth. They didn't care. The catch during the day was not as good as at night, but now it was good to save a little time and not have to weigh the goods every day.
After Ye Yaodong and Li Shouquan discussed it, they took away all the cargo of their last remaining ship, and then immediately returned.
It has been more than ten hours since I went to sea last night, and I have made two round trips. Now I have just finished selling the goods and just went to bed.
When he gets up tomorrow, he will go to the government to ask about the garbage land, whether it will be approved, how much it will cost, and an approval letter.
All the fantasies he had just now were based on the fact that he could get an interest-free loan after the land was approved.
On the way back, his mind continued to refine what he had just imagined.
If he really pulls up all the boatmen and sends them to work alone, at least he won't need to go to the deep sea in recent years. He can make money by driving a harvesting boat in the fishing ground.
However, this will definitely not last a few years. After everyone has worked for one or two or three years and made money, they will probably be as unwilling as Father Pei to let him earn so much.
Don't look at the fact that everyone is on his side now, condemning Pei's father with righteous indignation. When it's his turn, he may be even more uncomfortable than Pei's father and all the money was made by him.
However, he won't do it to death.
If these boatmen also want to build a boat and don't have enough funds, he will buy shares. Then he can say in advance that he will help invest in the early stage. If they want to redeem other shares of the fishing boat in the later stage, they can redeem it at the market price.
You can also set a time limit, for example, he will invest in the shares for three to five years. After three or five years, they can redeem all the shares of the fishing boat at the market price. After redemption, he will not participate in dividends.
This also gives people something to look forward to, so that if they don’t provide good help, they will be hated later.
In this way, all the villagers in the village have to benefit from him. The old people raise kelp at home, the young ones go to the fishing grounds to make money, and the women and girls work in his workshop and kill fish. Except for the children, the whole village's labor force is busy making money and making a fortune. The average household per capita is tens of thousands of yuan.
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Their village must become a model for the entire province, or even the country.
As for those who have invested in the company before, it belongs to those who have invested in the company before, such as Fengshouhao. When they joined, they did not say anything about withdrawing their shares after making enough money.
And now that this incident has happened, if he withdraws his shares, it will look like he has a guilty conscience. Father Pei may be even more proud. If he does it himself, the whole ship will belong to them.
A Guang might also think too much about whether he had taken this matter to heart and had a problem with the father and son.
No matter what, they are still father and son. His father made him grow up by pooping and peeing. Even if he blames his father for messing up things and blaming his father for severing the relationship, he is still his biological father.
If he just withdraws his shares in the boat and returns it to them, he might even stalemate the relationship.
The best thing for everyone right now is that this matter will be brought to a close and the ship will be temporarily under the control of A Guang.
At the same time, Aguang will build a boat that belongs to their own family. No one will interfere with it. The Pei family will collect the money earned by themselves, and the Harvest will be rented out. When the money is divided among the three parties, everyone will be happy.
Then, in the next few years, boatmen helped him to fight the battle. In addition to his fame rising to the next level, he could also accumulate a lot of wealth. He successively ordered several more fishing boats that were as good as cargo ships and sent them to the deep sea.
It was probably the 1990s at that time, the technology of fishing boats was more mature, and there would be more domestic fishing boats exploring the deep sea.
No matter how you calculate it, it is all beneficial and harmless to him.
As for the people he trained, he has supported them in building fishing boats. He will be short of manpower, so there is no need to worry too much.
As soon as the surrounding villagers heard that they wanted to follow him, they all bought boats, lived in big houses, and became wealthy households. Many people from neighboring villages wanted to join him.
Besides, isn't the next generation also growing up? After hearing about his great achievements, the next generation in the village will only worship him and then follow his lead.
It is also impossible to ensure that every household has a boat, and production takes time.
And he will definitely not be floating in the sea all the time. After arranging the fleet and getting on the right track, he will definitely arrange to hire people to do it. He only needs to collect money on the shore, reduce risks, and do well.
Just enjoy life.
It's perfect when you think about it.
The more Ye Yaodong thought about it, the more he realized it was feasible. This interest-free loan was really an opportunity to solve internal problems, increase his wealth, recruit boatmen, and enhance his prestige in the village.
It can also lay the foundation for his future deep-sea fleet.
After all, if he directly pays for it, how can the state pay for it? He has to take his time when he pays for it, and there is no need to hesitate at all for the state to pay for it.
Seeing that he was about to dock, he quickly put his thoughts back and put the fish he had brought back on the dock for sale. After the sales were almost complete, he called a big truck to pull a load of shrimps to the processing factory.
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Although these fresh dried shrimps are not as valuable as hairtail, they cannot sustain the large quantity, and there is enough for eight boats.
Moreover, in addition to Shopee, these eight boats also caught some other fish and sold them to him together. With just two trips back and forth today, he earned double what he earned from the previous trip.
The total sales today were probably more than 28,000. You must know that there is one less harvest number today, and those shrimp boats only harvested in one day.
The three boats he owns are probably sold for more than 12,000 yuan, and he gets 30%, which is about three to four thousand yuan. In addition, he owns the Dongsheng and 30% of the SF Express, so he can earn around 9,000 yuan.
He can get half of Shopee's commission, which is about 8,000. Today, he earned 17,780 from just one trip.
A few days ago, he repaid Aguang 20,000 yuan, and in the next few days he saved more than 10,000 yuan. He now has a lot of things on hand, and his own money alone adds up to about 30,000 yuan.
A Guang still owes 15,000, so he can pay it back directly to him now, but he still wants to buy a house and land, so he will keep the money for now and pay back whatever is left after he finishes the work. Anyway, he is already owed
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When the next fishing boat comes back, we will calculate the accounts for the several boats and the accounts for the dozens of trawlers at the end of the month. It will be more than enough to repay Ah Guang's 15,000.
After Ye Yaodong calculated the savings on hand, he had a good sleep and regained his energy before he went to find A Guang, and the two of them went to the government together.
Originally, the two of them had been looking around and asking around, and they had decided together where they wanted the land.
It had been three or four days since they proposed it and they came again. They already had a plan. When he went over and asked, someone immediately greeted him.
Moreover, the price of the land they each wanted was also known. His piece of garbage land had been measured and it was three acres and two acres. Because of his status as the vice president of the Fisheries Association, he was given a preferential price of 20,000 yuan.
What Aguang is interested in is a piece of open space near the seaside. It is far from the pier and is considered the edge of the fishing port. But it is close to the shore. The locals are worried about typhoons and waves. There are no residents living there. It is only two acres and costs 20,000 yuan.
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The two compared each other, and Aguang was a little unhappy. The gap was too big.
He argued hard, and the reason given by the government was that the land was different. It was filled with domestic garbage and dock garbage, so it would be cheaper.
The attitude is also whether to buy or not.
When Ye Yaodong saw the price, he thought that the 13 acres of land he had in the city last year only cost 10,000 yuan, and he wanted to secretly pat his thigh and get a big deal.
Although the port is different from the port, and the other side of the city is already a village on the edge of the suburbs, there is a market.
This side is next to the fishing port, but the gap is really big, 10 times.
There are really too many foreigners and fishing boats here. It is probably well known that the bosses of those boats are rich, right?
A Guang also thought about the land that Ye Yaodong bought in the city. Comparing the two prices, it was simply a bargain. Thinking about it, he was even less willing to spend the 20,000 yuan.
In order to get a loan of 50,000 yuan, he had to spend 20,000 yuan first, and he was a little reluctant to do so. He originally wanted to get nothing but nothing, but now the gap is too big.
If you don't spend much, then it will be spent.
He was retreating in his heart.
But Ye Yaodong immediately responded. In his plan, this land must be captured.
Besides, if you can buy it at this price, it’s just a bargain. After 10 years, it will have doubled hundreds of times. This is worth any investment.
The land near the port, if you think about it, is worth it, not to mention that this is a fishing ground. This land is worth buying for 100,000 yuan now, let alone only 20,000 yuan.
And he can use this piece of land for another 100,000 yuan. No one is going to occupy this garbage dump, right?
value!
A Guang quickly stopped Ye Yaodong when he said he wanted it.
"Don't you think about it anymore? It's too expensive. You bought 13 acres of land before. How much does it cost?"
"It can't be compared. The places are different, and the value is of course different. Moreover, this is a fishing port. A large number of people naturally means high value. More and more people will rely on this fishing port to survive, and the local land will only become more and more popular."
It’s becoming more and more valuable.”
"This is so different from before. You have to spend 20,000 yuan for nothing. What if you can't get a loan?"
Ye Yaodong thought that he had reached this point and needed to be persuaded no matter what.
"Whether you can get a loan or not, it's worth it if you can buy land. When living conditions improve in the future, people will definitely have higher pursuits, and land will naturally become more valuable."
"I don't know what to say about the rest. Anyway, if you can buy a piece of land for 20,000 yuan, and then get a loan, it's worth it."
"That interest-free loan is simply a gift of money from the state, and Shen Ming'e also made it very clear that she would arrange fishing boats for us through the back door. For me, there is nothing to hesitate about."
"My 20,000 yuan won't be much in my hands, but by using it like this, I can turn it over countless times."
"If you can trust me and listen to me, then buy it. But I have to be the first to say something ugly. When I buy land, it is easy to be invaded if people are not in the area. Don't blame me then."
"If you buy your current piece of land, you'd better spread the word and say that it has been mortgaged to the government, so that people will not dare to move it."
"I bought a junkyard, so I don't have to worry too much."
After Ye Yaodong finished speaking, he left him alone to think, and followed others to go through the formalities first. After completing the formalities, he had to take the money home and pay it over, and then register again.
A Guang didn't make a decision after hearing this, he just said he would think about it.
Ye Yaodong didn't care about him. 20,000 yuan was not a small amount, so he had to think it over before making a decision.
He ran back and forth several times that day. After completing the land registration procedures, he also got a stamped slip with the seal of the government and the Land Bureau.
These are very crude now, and when they are improved in the future, he will take them and exchange them for notebooks.
This piece of paper was also a top priority. He folded it again and again and locked it in the password box. When Shen Ming'e needed it, he would take it out.
The matter of the house has not been settled yet, but he is not worried. If he can't buy it, he can't buy it. Anyway, he already has the land. He will go to Shen Ming'e to ask about it the next day.
He hadn't gone to sea in the past two days, so he wanted to seize the time and get this matter done. If he did it earlier, he would be able to book the ship earlier and deliver the goods earlier.
When he went to see Shen Ming'e the next day, Aguang was no longer with him because he was still debating whether to buy the land.
Intellectually, he knew that Ye Yaodong would not lie to him, but his words still exceeded his expectations. 20,000 was not a small amount, and he had to think about it.
Ye Yaodong didn't care about him, he just went to do things on his own.
Shen Ming'e was also very happy to see him coming.
"If you don't come, I will go look for you tomorrow. It's been several days. How are things going with your house and land?"
"I spent 20,000 yuan to buy a piece of land. There is no news about the house yet, so I came here to ask first. Is it okay to clear up the land?"
"It should be no problem. You are the vice-president of the Fisheries Association of the two cities. You have an identity recognized by the Ocean Bureau, and the certificate also has the seal of the Ocean Bureau. You are also a party activist. This will give you preferential treatment. I have asked, you can do it if you don't have land.
If you have land, I can probably lend you more money."
Ye Yaodong's eyes lit up, "Can we borrow more?"
"Yes, I asked for you before. Didn't you ask me to ask if you could vouch for your other friends? The leader said no, they are all from out of town, and they will not provide loans through approval."
"But if you want to borrow more, you can get preferential treatment because you have proof of identity and proof of assets, such as the land purchase contract, the fishing boat purchase contract, etc. These are all proofs of assets."
Ye Yaodong looked forward to it, "What's the maximum loan you can give me?"
"200,000 is the maximum. If you still have a factory supported by the government, you can increase the amount even more."
"Damn, I have this too!" he said immediately when he was excited.
Now Shen Ming'e's eyes widened, "Huh?"
She just said it casually.
"You still have government-supported factories?"
"I have a lighter factory in Wenzhou in partnership with a friend, and I also have a factory with 13 acres of land in my hometown."
"13 acres of land!" Shen Ming'e's voice was so loud that it suddenly alarmed the entire bank.
She immediately smiled awkwardly at the others and waved her hand to indicate that she was okay.
"Is it true or false? This cannot be faked. The bank needs to verify it and you must have an actual stamped certificate."
Ye Yaodong frowned silently, "If you want an actual stamped certificate, I really can't get it now, and I can't fly back."
It probably wouldn't be that easy if he was an agent. His 13 acres of land could only be regarded as a workshop. He didn't dare to make it bigger. He just blurted out his bragging.
Fang Jingfu didn’t know if it would work.
Shen Ming'e looked at him with bright eyes, "Why are you so capable? To show you, my brothers are all useless."
"Haha...that can't be said."
Ye Yaodong didn't make any pretentious rebuttal, he was focused on thinking about the arrangements after receiving the 200,000 yuan.
Spending 100,000 yuan to order a fresh-harvesting boat of about 40 meters should be more than enough.
The remaining 100,000 yuan can be used to invest in the boatmen to book ships, or he can simply book it himself.
Order another 5 like the Dongsheng ship, and then from the more than 20 workers currently on hand, select 5 who are honest and old enough to be the boss of the ship, and give them 10% of the shares.
As for the other boatmen who wanted to build their own fishing boats in the new year, if they had ideas, they could do it. He would then persuade Ah Qing to take money from home to support them in buying shares, just like the plan he came up with on the boat when he came back the night before yesterday.
Anyway, his family has hundreds of thousands of dollars, and he will probably earn more than ten or two hundred thousand in the next two months.
This much money must be put to good use.
Besides buying a boat, he has no better idea. Now is not the best time to buy a house or land.
If he meets an opportunity and buys a little bit, he should only do so if he has an opportunity. The general market does not support him spending all his money to buy.
Buying a boat has no impact, and it can maintain its value and create more value, which can make it several times more in the short term.
He likes the feeling of making money steadily and steadily. If he buys a large amount of land, it will be in vain if he cannot hold on to it.
And because he only supports the purchase of boats as big as the Dongsheng, he does not support small trawlers. He has enough. In this way, there will be fewer boatmen buying boats on their own next year.
He can also connect it with his hands, bringing the old with the new.
After all, that boat costs 20,000 to 30,000 yuan. Even if he invests half of the capital, they still have to find brothers and relatives as partners.
However, the speed at which the Dongsheng makes money is not comparable to that of ordinary fishing boats. Everyone is here, and each other can understand how much the boat can sell every day.
I will also compare in my mind to see which size of boat is more cost-effective, and big boats will not be easily eliminated.
Then he used the money to order a fishing boat here in Zhoushi. The workers would definitely have to go back to their families to discuss it at the end of the year, and they would definitely make reservations in the county or city by then.
If the quantity is not large, it can be delivered in the second half of the year and it will not fail to be manufactured.
Or the cousin who rented his boat may be able to get more money. After all, they share half of it, and the boatman only has dead wages, so the boat costs 20,000 to 30,000 yuan.
The cousins are more hopeful, and his investment can be regarded as helping relatives.
He thought that this was the best plan. He could fully utilize the interest-free loan funds and create maximum returns for himself.
After a few years, when the fishing boats they invested in were redeemed one after another, he made enough money and was able to book another 40-meter boat to form a team.
At that time, for him, there would be no pressure on funds, and his shipbuilding technology would reach a higher level.
Now there is still a certain amount of pressure for him to spend money to build a 40-meter boat, and he cannot build a few. If it is not enough for a fleet, it is not cost-effective.
It's better to just pick up the fresh ships and collect the goods here to make a lot of money.
Ye Yaodong lowered his head and thought for a long time. Shen Ming'e saw that he was thinking about something, so she said nothing and waited quietly for him to finish thinking.
Seeing that he seemed to be immersed in his thoughts and could not easily come back to his senses, she went to get him an interest-free loan contract and help him write the application first.
Anyway, he is in good condition for the loan, and the boss has no problem with the loan. Now he has to write the contract and ask him to bring the certificate later. After the boss reads it and there is no problem, he can lend.
Ye Yaodong clarified the thoughts in his mind, and after he had a rough idea, he wanted to talk to Shen Ming'e about loaning 200,000 yuan first.
After all, the current thinking is like this. Who knows whether it will change in time, whether there will be a better plan, and the plan cannot keep up with the changes.
Anyway, if you can get an interest-free loan of 200,000 first, do it first.
Maybe this loan will be available next year?
Or when he returns home, maybe there will be an interest-free loan there?
The policies promulgated by this country should be unified across the country, right?
Then when he goes back, he can take out the interest-free loan at home again. If he doesn't, don't let this kind of benefit go to waste. Anyway, as long as he repays it, it will be fine.
You don’t necessarily have to focus on harvesting wool here. It might be easier to get an interest-free loan somewhere else.
When he just turned around to say something, it turned out that she was already writing the application form.
"Hey, has it been written down?"
"Yeah, I saw you were thinking about something so I didn't bother you. Anyway, you can certainly do this and you know how to borrow money, so I'll write it for you first. You sign it first and I'll give you the proof of land purchase later.
, as well as the fishing boat’s certificate and your ID card, bring them over and make copies, and I’ll submit them for review together.”
"Okay, thank you very much."
He was quite considerate. He knew he was thinking about something and didn't bother him, but he didn't boast about it to avoid being teased by him.
He is so handsome, what if you really have any thoughts about him?
Ye Yaodong looked at the application form she pushed over, reading it carefully from beginning to end. Fortunately, he was not illiterate, otherwise it would have been a joke.
After there was no problem, he signed his name and stamped his fingerprints.
"Is this good? I'll go back later and get all the supporting documents to copy?"
"Yes, you can bring it over and make copies later. I also need the identity certificate issued by your village, and the certificates from the fishery associations of the two provinces, so that I can submit them together. After the review is passed, I will go to your home to ask you to sign, and then
Waiting for the loan."
"Understood."
Anyway, if you can give him extra code and prove his identity, just take them all and make copies.
"By the way, why are you the only one here today? Where is your friend? He doesn't want to borrow money anymore?"
"Didn't he think that it would be enough to apply? Now, because he is from out of town, he still needs proof of assets, land and real estate to back it up, and he has to spend money first, so he is a little hesitant."
"There's nothing you can do about it. He's from out of town. He doesn't have as many identities as you to prove, and he doesn't have as many assets as you do. Your cargo ship alone costs more than 100,000 yuan, but you can borrow 200,000 yuan.
capital."
"Well, let him think about it anyway."
"It's a pity. I think this is very good. Your thinking is too backward. It's normal to make loans abroad, and they all require interest. We don't need interest now, it's interest-free. You just think too much.
, it would be great if it can be affordable, it will definitely become more common in the future.”
"Yes, I think so too. It would be great to get a good deal. Their thinking is just too backward. If you pass this village, there may not be this store anymore."
"Definitely. How can I be interest-free all the time? But few people listen to me. They all think that I am too young to listen to what I say. They all think that I am too feudal."
Ye Yaodong laughed.
The older generation is mostly uneducated and has backward thinking. How can the new generation of young people have the confidence to take out loans?
Nowadays, news spreads slowly and not so well-informed.
Otherwise, how come only a small number of smart people can soar to the sky with this interest-free loan?
After all, Shen Ming'e studied abroad, so it's normal for her to be open-minded.
She smiled and said to him again: "Okay, you go home quickly and get the information and copy it. I have done it for you today. Submit it."
"Okay, then you wait here for a while, I can ride a bicycle very fast."
At first, he didn't know if it could be done immediately, so he didn't bring it with him. Anyway, it wouldn't be troublesome to go back and forth.
He rushed back and forth, and by the time he got off work at noon, he had just finished all the application matters, which was considered efficient.
I bought land yesterday and applied for the interest-free loan today. Next, I have to sign to confirm that the application is approved, and then wait for the loan.
When he came home humming a song, everyone could see that he was in a good mood.
"Brother Dong, you are in such a good mood. Did you find the money?"
"You already know this." Ye Yaodong said with a smile.
Didn’t you find money? You picked up 200,000 yuan as soon as you picked it up, which can be converted into fishing boats, one 40-meter one and four 24-meter ones!
So cool!
Taking advantage of his free time in the afternoon, he went to the shipyard to reserve the fishing boat after dinner, and asked Captain Shen to arrange the earliest possible delivery date in advance.
Then, as soon as the bank releases the loan, the bank will immediately transfer it to the shipyard's public account.
I don’t know if there is a public account, which a state-owned shipyard should have?
He didn't have this experience. At the shipyard in the county where his home was located, they all came and went with cash.
You can ask him in the afternoon, which saves him from carrying money in his hand, which is too risky.
The maximum denomination is still 10 yuan, and the hundred-dollar bill has not yet been issued. It will have to wait until 1988 to be officially issued and then widely circulated in the market.
If this was a big deal worth 200,000 yuan, he wouldn't even know if it could fit in a lockbox if he brought it over.
The family's original more than 30,000 yuan was packed into a whole box, including large donations and a lot of dimes.
Yesterday, I counted the 20,000 RMB for the land purchase in a large group, and took out all the banknotes. Now they are all in small amounts, and they look like a big box.
He figured that he would have to carry money back in sacks during the Chinese New Year.
"You really found money? Then you don't get extra meals?"
"You usually eat less?"
"The meaning of windfall is different. As everyone said, you should spend the money immediately after you find it, so that you can continue to pick it up in the future."
"It makes sense. Fortunately, I can spend it immediately after I picked it up."
"Haha, you are joking."
"It's time to eat!"
Chapter completed!