Chapter 11

Returning to the luxuriously decorated villa, Zhao Lin greeted her mother and then sat on the sofa, making a long-distance call to her father who was far away.

"Computer room?" The voice on the phone was low and authoritative.

"Yes, Dad, have you heard of it?" Zhao Lin asked curiously.

"Hmm, I heard it's highly profitable! But! It also harbors filth and corruption, most of them don't have business licenses or cultural permits. What's the relationship between that friend and you?"

Hearing her father's tone was very dissatisfied, Zhao Lin stuck out her tongue, knowing that her always upright father was unwilling to help. She explained, "Ruo Xi's boyfriend, his family has had some changes, his parents divorced..."

After exaggerating Song Chen's situation, Zhao Lin said, "Dad, please help!"

"Hmph! If it's that girl Ruo Xi, it's fine to help..." Zhao Desheng snorted, "I understand, I'll call a friend in Dongou City later! Dad has something to do, hang up!"

Zhao Lin smiled and made a victory sign.

Unlike Zhao Lin, who was concerned about whether she could repay the favor, Zhang Ruoxi, whose boyfriend's financial problem was solved, couldn't sleep at home. Tossing and turning in bed, she couldn't fall asleep. Helplessly, she put on a cotton pajama and went to the living room to watch TV. She happened to see her mother, Zhao Yingying, who was about to bring a pot of tea to her husband.

Zhang Ruoxi's expression changed, and she smiled sweetly, taking the pot of tea from her mother, "Mom, I'll help you!"

"Hehe, it's rare to see you so proactive, okay! Be careful not to burn yourself!" Zhao Yingying reminded her. After her daughter entered her husband's study, she turned and went back to her room.

"Dad!"

Zhang Hua, who was handling today's documents, looked up and saw his beloved daughter carrying the teapot and smiling sweetly. Seeing him look up, Zhang Ruoxi lifted the teapot to indicate.

Zhang Hua chuckled, "Why is my Ruoxi so considerate to bring me tea? It's rare, very rare!"

"It's as if I never did it before!" Zhang Ruoxi pouted and rolled her eyes, placing the teapot on the redwood desk and carefully pouring tea for her father. Seeing her father focus on the documents again, she pouted and asked softly, "Dad, I have a question to ask you!"

"Hmm? Sure! Go ahead, I'm listening!" Zhang Hua put down his pen, crossed his hands on his stomach, and leaned back in his chair, looking at his daughter kindly.

Zhang Ruoxi pondered and recounted the plan Song Chen had mentioned. Zhang Hua listened, thought for a moment, and then said enthusiastically, "Is that so? Opening an internet cafe is so profitable? This is something we should investigate thoroughly!"

"Can it really be done?" Zhang Ruoxi asked.

"If we assume as you do, even if it's only 5 yuan per hour and 10 hours of usage time, the return on investment is still very high! Yes, it seems like a good investment plan!" Zhang Hua said with interest. Seeing his daughter lost in thought, he blushed and said, "This year, the Asian financial crisis has led to a significant reduction in domestic and foreign orders, and the company has been greatly affected! This is a big issue, and it has made me realize that the company is too dependent on foreign trade, which is a high risk. Diversified investments are necessary to ensure that our family won't be blown over by a single wind! I had this plan a year ago, but it was delayed by endless social engagements!"

"Right!" As he spoke, Zhang Hua seemed to just realize something, "Why did you suddenly ask this question? Is your friend planning to do business in this area?"

"No... no!" Zhang Ruoxi quickly shook her head, "A classmate is planning to drop out and start a business, it seemed interesting, so I asked!"

She turned around, stuck out her tongue, and pretended to be relaxed as she went back to sleep.

Zhang Hua was speechless, watching his daughter's back, he touched his chin and muttered, "Maybe I should find out more about Ruoxi's boyfriend, I don't know what kind of person he is to dare to take my precious daughter!"

...

On October 25th, the weather was particularly sunny, and a rare breeze blew through the "tin box" apartment. The room, with its windows open, welcomed the cool autumn breeze.

On such a beautiful day, Zhao Lin brought good news to Song Chen and left a fixed phone number. Song Chen called the number and quickly arranged a meeting time with someone from the Agricultural Bank.

Standing in front of her son, Li Wan had a complex expression as she tidied up Song Chen's collar. Seeing his calm demeanor, as if he had no intention of mortgaging all their assets, she sighed deeply. Just as she was about to speak, her son smiled and said, "Mom, I'm not arrogant, nor am I impulsive. I know exactly what I'm doing and what results I can achieve! Trust me, if I didn't have absolute confidence, I wouldn't use our home as collateral! Your son isn't crazy!" He winked at Li Wan.

"You're not crazy, but you're a monkey! You can't stand still!" Li Wan was amused by her son and couldn't help but smile.

"Hehe, this monkey can't escape from your palm!" Song Chen gazed at his mother with deep meaning, knowing that she was worried he might not be able to handle returning to the Song family.

Li Wan seemed not to notice the meaning in Song Chen's words and just nagged, "No matter what business you do, what matters is that you stay safe. If you have time, bring Ruo Xi home for a family dinner!"

Song Chen blushed and said awkwardly, "Mom, having a boyfriend or girlfriend in college is normal, but not many stay together after graduation! So don't push me on something that's not even a sure thing!"

Li Wan glanced at her son and snorted, "I don't know about others, but are you still a college student? Xiao Chen, from today on, you're a grown man who can stand on his own feet!"

Song Chen was slightly taken aback. He smiled and nodded, looking confident and determined.

...

Yuan Likai was about thirty years old, a local, who graduated from university and then became a civil servant. He was assigned to the Xiaonan Road branch of the Agricultural Bank and, after a few years as a credit officer, was promoted to a customer manager in the credit department. For someone without a strong background, he cherished his current position.

This morning, he was called to the branch manager's office and ordered to pay special attention to a person named Song Chen. He initially thought it was a connection of the manager, but the manager vaguely said, "Help him as appropriate," and Yuan Likai immediately understood. Soon, he received a call from Song Chen at home.

At 9:00 AM, in a coffee shop near the bank, Yuan Likai met Song Chen in person. After a brief conversation, he quickly understood why the manager said to help him as appropriate. The boy in front of him, not yet 20, had no background. The manager's involvement was likely due to a favor from a powerful person or a friend.

"The house is nice! It's very close to here, just a few steps from our bank!"

Studying the property deed Song Chen handed over, Yuan Likai nodded affirmatively and pondered, "I'm not an appraiser, but based on my years of experience, I estimate it at about 2500 yuan per square meter. Of course, the appraisal company might not give such a high estimate, probably around 2100 to 2200 yuan, with a total value of about 160,000 to 170,000 yuan."

The house was more expensive than he had imagined.

Song Chen breathed a sigh of relief and forced a calm smile, "Mr. Yuan, according to the bank's regulations, how much can I borrow for my house?"

"It's your mother's house, Mr. Song!" Yuan Likai smiled and corrected Song Chen, "The documents you brought are detailed, including the household registration, your mother's ID, and your ID, but you're missing proof of fixed income. However, it's not a big issue!"

Pondering, Yuan Likai sized up Song Chen and said, "In principle, the credit market is unwilling to accept private real estate as collateral, but since someone has taken an interest... I will do my best to help you! Oh, by the way, Mr. Song, what's your relationship with our bank's manager, Mr. Cui?"

If it were the Song Chen from his previous life, he might have been at a loss for words, but after his rebirth and enlightenment in the hospital, he wouldn't be so foolish as to say, "I don't know Mr. Cui!" He smiled and confidently said, "I know Mr. Cui, but he doesn't know me! However, it's no problem, my good friend can reach him, I'm sure Mr. Cui won't mind this small favor!"

Your good friend is that powerful? If he's so powerful, why did the manager use the word "appropriate" and not just order it? Yuan Likai thought to himself, but considering that his "good friend" could reach the branch manager, he must indeed be very influential. He nodded kindly, indicating understanding.

"Based on the current information, with a 70% loan limit, we can estimate that our bank can provide you with a loan of about 120,000 yuan. Do you plan to apply for a short-term or long-term loan? How will you repay it?"

Song Chen, who had already made up his mind, said decisively, "Long-term! Five years! Repayment by equal principal and interest!"

"For five years, the interest rate is 10.53%!" Yuan Likai calculated in his head and nodded, "In total, you will need to pay about 155,000 yuan over five years, including principal and interest. This result is close to the appraisal company's estimate of your apartment, with a small difference. Can you accept it, Mr. Song?"

Yuan Likai nodded in satisfaction and smiled, "Alright, I'll contact the appraisal company for your house as soon as I get back to the bank. The estimate I gave you is rough, and I'll notify you of the exact amount later. It usually takes two weeks to a month for others, but for you, it will take about three to four days to get the funds!"

Song Chen was overjoyed, stood up, and extended his hand, smiling, "Thank you, Brother Yuan!"

This person doesn't seem like a 19-year-old boy, but more like an old hand in the world! Thinking this, Yuan Likai didn't refuse Song Chen's attempt to get closer. They shook hands and smiled, "I'm much older than you, so I'll call you Little Song!"

"Hehe, we should get closer in the future. How about I treat you to a drink at the Hyatt Bar tonight?"

Yuan Likai originally wanted to refuse, but then he thought of the powerful person behind this smiling boy. He smiled and nodded, "That sounds great! I haven't been to a bar in a long time!"

"Then let's meet at the Hyatt Bar at 9:00 PM, no backing out?"

"No backing out!"

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