MTL - Reborn In the Tokyo Bubble Era-Chapter 23

   Chapter 23

  Tao Zhiming said while arranging the cuffs and placket, "After all, the resume that was filled out at that time had height and weight written on it."

  Tao Dalang, fortunately, his figure is not out of shape, and he is not a fat man.

   He walked to the mirror in the bathroom. After all, he was wearing a new high-end suit, which made him look even more handsome.

   "Miss Runa, please cut off the label for me, that's all, no need to change it."

   "Sea Wing!" Onodera Runa walked over, "Well... just use a fruit knife."

   "Anything."

   Onodera Runa took a knife from the shelf in the kitchen next to it and stretched out her hand.

   Her fingers touched the back of Tao Zhiming's neck, and she took out the tags of her coat and shirt from the inside.

   Out of the corner of his eyes, he quickly glanced at him in the mirror, and saw that he was also looking at this side, and immediately pursed his lips and carefully prepared to cut the rope.

   The sharp blade was attached to the back of his neck, and she felt a sense of trust in her heart.

   Then came the trousers tag, she squatted on the ground, suddenly felt that this action seemed too close, and her heart beat a little faster.

   quickly dealt with the tags, and she quickly stood up: "It's done!"

   After he finished speaking, he put down the fruit knife and hurriedly walked to the place where the garbage was thrown aside with a few tags in his hand.

   She was afraid that her reddish face would be seen.

  Tao Zhiming didn't pay attention to this. He just looked at the mirror left and right when the door was knocked again.

   "Is he from the bank." He walked to the door.

  Although I have unexpectedly received a huge sum of 1.26 million yen, these are only enough to allow myself to have a limited margin for additional space, and it is not enough to withstand greater leverage.

  The amount of the loan, if you can have 30 million to 50 million yen, then even if you have more than 200,000 meters of gold on hand, you can have more room for maneuvering.

   opened the door, and sure enough, it was Segawa Hibuka from the bank, along with a female clerk.

   Seeing Tao Zhiming, his eyes lit up, and then he said with a smile, "Good evening, Tao Jun, you look even more handsome today!"

  Tao Zhiming smiled humbly, and then asked: "It's really troublesome for Big Brother Segawa, and you have to come here so late, who is this sister?"

   "She is my colleague Won Hee-mu."

   "First meeting, please come in..."

   Entered the room and saw Yosuke Ueno and the three of them inside, Segawa and Genxiki were slightly taken aback for a moment.

  Tao Zhiming introduced: "His name is Yosuke Ueno, and he is my classmate. This is Miss Runa and her daughter. Yosuke is tutoring Miko-chan. I'm sorry."

   "Ah! Then Ueno-kun is also a genius of Tohoku University. Xi Mu-chan, please leave your business card to Ueno-kun as well."

   That Yuan Ximu immediately stepped forward, bowed his hands and handed a business card: "Ueno-kun, please take care of me!"

   Ueno Yosuke felt a little flustered, took the business card and returned the gift: "First meeting, thank you very much!"

"Brother Segawa, please wait a moment, I have already sorted out the information." After speaking, he went into the room and took out the information that was sorted out last night, and sat at the low table, "The total purchase price at that time was almost 25 million, Among them, more than 11 million yen has not been paid off. Now, the real estate company has come to negotiate, hoping to acquire it for 70 million yen. Please evaluate Segawa-san, if it is used as a mortgage, how much amount can be approved.”

   He said the figure of 70 million yen, but Rana Onodera didn't respond. In fact, this is the first time she has said a very clear psychological price from Tao Zhiming's mouth.

  To be honest, maybe the president can agree.

   But, since I heard that he was asking about the loan, I'm afraid...he's not going to sell the house so easily? After all, if he needed money, he could get it this way.

   Could it be that you are prepared to wait for further rise in housing prices and propose higher prices?

   But Mogami Hengsan is bound to win, President... Maybe he can't help but resort to that kind of harassment, right?

   He said he wanted to meet the president to talk about it. What was he talking about?

  Tao Zhiming's words, not only Onodera Rana listened, but Hibuka Segawa also kept nodding his head while looking at the documents.

  Tao Zhiming found all the information, and the house loan contract with the bank, the purchase of the house and the ownership certificate, including Tao Dalang's identification information, the required information is here.

   It can be confirmed that the property rights of the houses are clear, and they are also clear about the current housing prices in this area of ​​the port area.

When    arrived on the ground, he almost had a number in his mind.

After putting down the information, he first joked: "Tao Jun is a man who owns a luxury house in the port area, and he is also a genius of Dongda University. He is so handsome. How about you, do you want to join us with Ueno-kun and join us with our beautiful bank members. their friendship?"

   Yosuke Ueno, who was sitting not far away, was stunned, Tao Zhiming smiled and said, "Brother Segawa is really funny..."

   "I'm quite serious." Segawa Hibuka looked at him up and down, "Is Armani? It seems that today's explanation will go well? Is this Sumitomo's handwriting? As expected of a powerful giant!"

   "...Brother Segawa laughed, I couldn't help but just put it on and try to see if it would fit." Tao Zhiming was noncommittal, "How is it, how did Brother Segawa evaluate it?"

"70 million is a figure with a premium proposed by Tao Jun based on the acquisition of the current real estate company. In fact, according to the current market price, it is between 45 million and 50 million. Apart from the housing loan, Tao Jun has no other credit. Consumption records, but this at least shows that Tao Jun's financial situation is good. Coupled with Tao Jun's educational status, if this real estate is used as collateral..."

   He thought about it and said, "Probably can give Tao Jun a loan amount of 40 million yen."

"But..." Tao Zhiming thought for a while, and then said, "Once the interest rate starts to fall, and the adverse effects of exchange rate changes on the manufacturing industry and exports are eliminated, the interest rate will probably continue to be cut. This is my judgment. There is no deposit. So it’s a good deal, and sure enough, I will still invest in real estate and other places with higher returns. Otherwise, the real estate company would not be so eager to buy my house. Therefore, the amount of the loan should be able to consider the expected appreciation in the future. It is."

   When he said these words, Segawa Hibuka looked at him in surprise.

   "Besides, even if I decide to sell this house soon, I can probably get 60 million yen. So, can this amount be as high as possible?"

"...Tao Jun really surprised me, as expected of Dongda." Segawa Hibuka sincerely sighed, and then let go, "Actually, considering this factor, I can make the decision and win 50 million for Tao Jun. The amount of yen. If it exceeds this number, the risk will be difficult to control.”

   "I see." Tao Zhiming asked, "So, what about the interest rate?"

   "The loan for real estate..." Segawa Hibuka asked, "It depends on how many years Tao Jun chooses the loan term. The figure of 50 million yen is really still at least 5 years, so the pressure will be much less."

   "But loans with a term of more than 5 years also have the highest annual interest rate, right?" Tao Zhiming asked with a smile, "How much can the interest rate be given?"

"Sure enough..." Hibuka Segawa smiled again, "3 to 5 years, 9.36%, 5 to 10 years, 10.08%, more than 10 years, 10.8%. Tao Jun, with my authority, can Not much down."

  Tao Zhiming gritted his teeth: "So many?"

   In my impression, when the hot money is flooding in, isn’t the interest rate even as low as about 4% for those powerful customers?

   After thinking about it, he is also right. We have not yet started a large-scale fiscal stimulus, and the interest rate cut has only been reduced by a little bit.

   Considering the future trend, it doesn’t matter.

In front of this financing cost, the benefits are even more considerable, so he asked: "Sure enough, we can only consider long-term loans, and the pressure will not be so great. But Brother Segawa, 10 years or more is too high, right? "

   (end of this chapter)