JS149 Loan!【775
Time flies, and it is May 22nd in a blink of an eye. ≤≤Little≤Say,
In the past two days, Anliang has not lost his time, but has contacted a real estate agency to find more possible stores.
However, although Anliang also looked at more than ten locations, none of them met Anliang's needs. The best location was in the residential area of Apgujeong, which was located in the riverside.
On this day, Anliang and nhard real estate agency agreed to go to the housing management department together to change the property rights of Fengen Apartment.
nhard is the real estate agency Anliang originally contacted, meaning no.hard, which means "no problem".
At nine o'clock in the morning, Pei Yongyuan arrived at Guangming Hotel on time, and then went to the nhard real estate agency with Anliang, and then joined the service staff of the nhard real estate agency to go to the housing management department of Jiangnan District.
Pei Yongyuan seemed to know the staff of the housing management department. He confirmed that there was no problem with the transfer of the property rights of Fengen Apartment. The owner of the property rights of the house has been successfully changed to Anliang, and Anliang obtained the certificate of property rights.
After obtaining the property ownership certificate, Park Jung-tae took the opportunity to walk to Anliang and whispered: "Mr. An, the owner of the store in Linjiangyuan, Apgujeong has already let go. If you can pay it in one lump sum, the other party will accept the price of 1.8 billion won!"
The shops in Apgujeong have an area of more than 300 square meters, and the total price has dropped from 2 billion yuan to 1.8 billion yuan, a total of 200 million yuan. It is converted into Xia Guoyuan, and the decline is also about one million yuan, which is a relatively large decline.
It seems that Park Jung-tae is indeed working hard!
An Liang nodded slightly and whispered: "I'll consider thinking about it, and I'll contact you again."
Park Jung-tae nodded a little disappointedly.
With the house ownership certificate, Pei Yongyuan took An Liang back to the Much City Hotpot Restaurant. This time he returned to Seoul, An Liang never came. He complained to Yaling for several days.
It was almost eleven o'clock in the morning, Xiang Yaling was scolding An Liang in the Wucheng Hotpot Restaurant, "You kid, are you rich and look down on your sister?"
An Liang looked at Pei Yongyuan with grievance and signaled Pei Yongyuan to help.
However, Pei Yongyuan pretended not to see it. Although South Korea has a strong patriarchy, Xiang Yaling is not a Korean. But Wucheng, and Wucheng has a heavy feminism. In addition, Xiang Yaling's personality is a bit popular, but Pei Yongyuan has a good temper. Therefore, Pei Yongyuan often gives in to Xiang Yaling.
"Sister Yaling, stop talking, stop talking, I was wrong, I was wrong, I was wrong, it would be okay!" An Liang hurriedly begged for mercy.
Xiang Yaling was not really angry. She stopped criticizing Anliang. Instead, she asked: "You bought a house in Seoul. Are you planning to settle down in Seoul? Do you like that Jessie Jeon or Jessie Jeon?"
Jung Soo-yeon is the name of Jes private A, Jung Soo-kym is the name of Krystal, and the two are real sisters.
An Liang coughed again, "Sister Yaling, I'm just staying in Seoul for a while. Some changes have occurred in my industry in Mist City, and I'm going to be transferred to Seoul."
"Well! Let's eat hot pot here at noon! In the afternoon, let your brother-in-law take you to buy household supplies. Then have dinner at your house in the evening!" Xiang Yaling said.
"Okay!" An Liang agreed affirmatively.
In a foreign country, there is such an older sister. Although she is not a relative, she is no different from a relative.
The hot pot at noon is naturally the original flavor of Wucheng, but Xiang Yaling did not ask Anliang to configure the hot pot base, but Hong Fei to configure it. Although Xiang Yaling was very hard-pressed, she also had a careful side and did not allow Anliang to configure the hot pot base. That was because she was worried that Anliang would misunderstand. She thought she had any thoughts about Anliang's unique recipe.
While eating hot pot, An Liang thought about it and asked, "Brother Yongyuan, I have something to consult."
"What's the matter?" Pei Yongyuan put down his chopsticks and said that he had listened carefully.
"I want to mortgage the Fengen Apartment, not usury, but a regular bank loan. How much can I get a loan at most and what is the loan interest rate?" An Liang also put down his chopsticks and asked.
Before Pei Yongyuan could speak, Xiang Yaling interrupted, "What are you doing for a loan? There is not enough liquidity?"
An Liang nodded, "So, I like a commercial store in the Linjiang area of Apgujeong. It has two floors and an area of more than 310 square meters. The total price is about 1.8 billion won. I now only 1.2 billion won. So, a gap of about 600 million won was created."
Pei Yongyuan lowered his head and thought about it, and did not immediately answer An Liang.
Xiang Yaling continued: "Sixty million won is enough? The decoration of more than 300 square meters is not a small amount. Brother, I have to remind you that the labor costs and material costs here are much more expensive. Don't calculate it using the wage and prices of our Wucheng City. I calculated it. If you have a simple decoration, it will probably be close to 100 million. If you want to have a delicate decoration, you must prepare at least 200 million to 300 million."
"This is not a problem! As long as you get the store in full, use the store as collateral to make a second loan. At that time, not only the decoration, but also the expenses of the early operation will be all included!" An Liang replied with a smile.
Xiang Yaling said worriedly, "Brother, you have to think about it! I know that it is a living area in the Linjiang area of Apgujeong, called Linjiangyuan. There are very few people there and the locals don't have much money. What are you planning to run? If you run the high-end catering industry like in Wucheng, I advise you not to be there. In addition, have you ever thought about it? Although the loan is OK, if the capital chain is broken, it will be a complete collapse."
An Liang nodded seriously, "Of course I know! However, that shouldn't happen. I don't plan to run a high-end catering industry, but rather a cafe."
"What? Cafe?" Xiang Yaling frowned and said, "You kid, aren't you looking for death when you run a cafe in Linjiangyuan? Why don't you choose Odyssey Street and Cheongtan Cave? Even though the store costs in these two places are very high, you can't choose Linjiangyuan! It's too remote and has very few migrant populations, and more than 80% are locals. Who do you sell your coffee to?"
"Of course, it's someone who is willing to come and drink coffee!" An Liang explained with a smile, "Sister Yaling, I plan to run a high-end cafe. The location of high-end cafes will not be too serious. Although the cafes in Cheongtandong and Odyssey Street have a lot of customer flow, most of them are just ordinary consumers. The purpose of entering the cafe is not to drink coffee, but to pretend to be a little bourgeoisie. Their consumption level is not high, and they usually choose mid- and low-end coffee, and the profit margin will not be too large."
After taking a break, Anliang continued, "The high-end coffee I plan to operate has a high profit margin and people who really like to drink coffee don't care where the cafe is. After all, this is an era where taste is king, and it is no longer the purpose of eating and drinking enough."
"How sure are you?" Xiang Yaling stopped persuading An Liang.
An Liang considered it and had a fountain of life, so he was naturally 100% sure about running a cafe, but An Liang couldn't say that!
Because under normal circumstances, who can say that he is 100% successful?
"At least 70% sure!" An Liang said affirmatively, and then said again, "Although it is a cafe, it does not necessarily only sell coffee. Sister Yaling knows my grandfather's skills? Once the cafe is on track, I plan to make wine and eventually sell it in the cafe. At the same time, I can also sell some bread, pastries, even steaks, red wine, etc.."
"What if it fails?" Xiang Yaling gritted her teeth and said.
An Liang smiled helplessly, "If you fail, you can go to Yeouido to sell private dishes! You know, I sell private dishes in the Mist City, and the price is very high!"
"How tall is it?" Xiang Yaling hummed.
"A plate of fried cabbage is priced at 88 yuan; tomato and egg soup is 128 yuan; green peppers are refried pork with 168 yuan; secretly made of 100-year-old true braised beef is 2288 yuan!" An Liang responded in a humming response.
Xiang Yaling rolled her eyes, "It's so expensive, can anyone eat it?"
"Of course! In April, just dividends were distributed, and it was just over 400,000 yuan. So, some people were jealous and the restaurant was forcibly bought!" An Liang said helplessly.
Anliang has not cancelled the spring of life in Qinglin Village Farm and has not made any changes. It is not that Anliang is generous, but that Anliang wants to stabilize Ji Haoran.
At the same time, An Liang was also investigating whether Ji Haoran and Lin Juefei were in the same group. If they were in the same group, An Liang would probably plan to develop in Seoul in the future, or change to another country, but he would never return to Mist City. If it was not in the same group, if Lin Juefei defeated Ji Haoran, An Liang could still go back.
Xiang Yaling comforted: "Don't worry, South Korea is different from Xia Guo. The laws here are relatively complete and the media is relatively free, so things like Xia Guo won't happen."
"Yeah!" An Liang breathed a sigh of relief.
Pei Yongyuan raised his head and looked at An Liang, explaining the question An Liang asked before, "An Liang, if you plan to use Fengen Apartment loans and just invest in buying shops in Apgujeong, you can borrow up to 800 million yuan. But this amount of money can only be used specifically to purchase shops. In terms of interest, a regular loan is not too high. Within six months, an annual interest rate of 5%; seven months to twelve months, an annual interest rate of 5.2%; one to three years, an annual interest rate of about 5.5%. Since you are a foreigner, the maximum life is about three years."
In fact, Pei Yongyuan did not finish his statement. Even if An Liang has a foreign identity, it is not convenient to get a bank loan even if he has a mortgage.
"Well, the interest rate is not high!" An Liang breathed a sigh of relief. South Korea is a usury country. Due to weak human feelings, it is basically impossible for him to borrow money if he is not a very close friend. Therefore, this situation has led to a highly developed usury industry.
Some Korean celebrities choose to commit suicide because they borrowed loans and loans. At the same time, there are more examples of ordinary people committing suicide because of loans and loans.
"Brother, how long are you planning to take out a loan?" Xiang Yaling asked with a slight change in her heart.
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Will it be the third update tomorrow? (To be continued.)
Chapter completed!