Kirilenko wanted to help Feng Yu get a loan from Ukraine's bank. No matter what, Kirilenko must have talked to Brother Ke. But Feng Yu could tell from Brother Ke's attitude that Brother Ke was not happy with Feng Yu's decision. But he did not show any signs of disgust. Kirilenko must have spoken to Brother Ke.
Feng Yu thought that the meeting with Ukraine's Bank Manager would be at the bank. But Brother Ke's influence was too powerful. The Manager of Ukraine's Bank actually came to Brother Ke's house.
"Feng, let me introduce you. This is Ukraine's Bank Manager, Mr. Kovsky. Mr. Kovsky, this is Feng from Hua Xia. He is my good friend from Hua Xia."
"Mr Feng, nice to meet you." Kovsky was not surprised by Feng Yu's young age. He had seen many second generations of the Soviet Union and thought that Feng Yu must be Hua Xia's second generation. If not, how could they be friends?
"Mr. Kovsky, nice to meet you. I often hear them talking about you. This is the first time I met you. "
Feng Yu's Hua Xia style of greeting did not work. Kovsky went straight to the point: "I heard that Mr Feng wants to get a loan from Ukraine's Bank. How much do you want to get, what are you going to use as collateral, or who is going to be your guarantor?"
Loans were divided into mortgage loans and guaranteed loans. The rest were against the rules. Of course, the banks had given out loans in the past. For example, Hong Kong's Citibank had lent Superman Li's eldest son 1 billion HKD in Feng Yu's previous life. The collateral was less than 100 million HKD, and there was no guarantor.
But Citibank still got the loan. They were not worried that Superman Li could not repay the loan. It was because Superman Li's father was Superman Li. They did not believe that Superman Li would let his eldest son go to jail for 1 billion HKD. Even if the bank could not win the lawsuit, Superman Li could not afford to lose.
Since Feng Yu could get a loan from Citibank, Feng Yu believed that it would not be a problem in the corrupt Soviet Union.
"Mr. Kovsky, I want to get a loan of 100 million Rubles."
Kovsky looked at Feng Yu in shock and then at Brother Ke. He had come here to give face to Brother Ke. He had thought that Brother Ke's friend would only need a few million Rubles. He had never expected that this Hua Xia wanted a loan of so much money!
What was he going to do with 100 million Rubles? If he was not at Brother Ke's house, he would have turned around and left. Do you know how much 100 million Rubles is?
"What are you using as collateral?" Kovsky asked with a frown.
Feng Yu took out some documents he had prepared. Of course, these were all photocopies. The originals had been mortgaged to Bing City's ICBC.
Of course, Kovsky could understand the information in Russian. However, he couldn't understand the Chinese proof of assets at all. He could only see the figures on the paper. The total value was 180 million.
Eh, this person has so much money. A loan of 100 million is definitely not a problem.
Wait a minute, this is Hua Xia's document. Could the value of the assets be measured in Hua Xia's RMB?
If it was only 180 million RMB, then it would only be 30 million Rubles. It was a far cry from 100 million!
Normally, the amount of a loan from a bank would be lower than the value of the assets. This was because the bank had to consider the risk of the assets depreciating.
30 million Rubles was the highest Kirilenko could get, and this Kirilenko wanted to get a loan of 100 million Rubles?
"How much is the total value of your assets?"
"Based on the current exchange rate, about 30 million Rubles." Feng Yu replied seriously.
Kovsky stood up: "I think you all are talking to the wrong person. 30 million Rubles worth of assets, and there are no other guarantors. I will not give you a loan of 100 million Rubles!"
Although Brother Ke was influential, it was not to the extent of 70 million Rubles worth. Furthermore, Brother Ke had no intention of giving any guarantees.
Without any guarantors and with so little assets, Kirilenko would never lend so much money to this Hua Xia!
"Mr. Kovsky, don't be anxious. Look at this document. The number written on it is more than 180 million. As long as the examiners relax a little, won't it pass? "Kirilenko said slowly.
"What do you mean?" Kovsky was furious.
Kirilenko stretched out his hand and said: "Mr. Kovsky, please be merciful. I can help Feng Yu to give you 500,000 Rubles and deposit it in your overseas bank account. 500,000 Rubles! How much is your annual salary? "
Although Kovsky was the head of the Ukraine branch, his annual salary was only slightly more than 10,000 Rubles. 500,000 Rubles was the sum of his 40 to 50 years of salary.
Seeing Kovsky hesitating, Kirilenko continued: "I can also get someone to be his guarantor. I can also guarantee that he will repay the loan on time. Mr. Kovsky, you don't even trust me and Brother Ke?"
"500,000 Rubles is too little. You all had borrowed at least 70 million Rubles, and you are only giving me this little? I want 7 million Rubles! "
When Kovsky came to the bank, he knew that there must be a problem with the loan. If not, why would they invite him over? They could just go straight to the bank. But Kovsky did not expect the other party to break the rules and borrow so much. He felt that the risk was too high, and he needed a sum of money to set his mind at ease.
Feng Yu did not say a word, and Kirilenko continued: "Mr. Kovsky, don't you think 7 million Rubles is too much? We are not just bribing you. One million Rubles is enough for you to live a comfortable life. "
Feng Yu thought that if he were to convert 1 million Rubles to USD and save it, he might be able to live comfortably. But if he were to save it in Rubles, it would be used up within 2 years!
"At least 5 million Rubles."
"Just 1 million. You are at risk, and we are also at risk. I think we have paid you enough. Humans should not be too greedy. But if you can promise me one more thing, I can increase the price. "Kirilenko showed one finger.
"What is it?"
"My friend, Feng Yu, wants to get a loan for 8 years. The interest will be paid at the end of the 8th year."
"What do you mean? You want to wait until the 8th year to pay the interest? This is impossible! "Kovsky was under a lot of pressure to get such a large loan without paying the interest first.
"The interest can be higher than the standard, and I can give you 2 million Rubles. Listen carefully. 2 million Rubles. Once the loan is approved, I will transfer the money into your account immediately!"
"That is still not possible. This is against the rules."
"3 million Rubles. This is the highest I can offer. You should know that the Soviet Union does not only have one Ukraine branch." Kirilenko continued to attack Kovsky.
Kovsky's hand that was holding the cigar was trembling. He was hesitating. 3 million Rubles, his wife and children would have a better life. As long as he was still the manager of the Ukraine branch, no one would find out about this. He could even blame it on someone else. His risk was manageable.
Feng Yu waited patiently. He trusted Kirilenko. In the Soviet Union, Kirilenko was more familiar with the "market rate" than him!
Kovsky extinguished the cigar in the ashtray and sat up straight: "8 years is not enough. I can only promise you 6 years."
Kirilenko looked at Feng Yu, and Feng Yu nodded.
"Fine, 6 years it is. But the loan must be approved within 1 month!" Kirilenko said.
"If you can find a suitable guarantor, I guarantee that the loan will be approved within 1 week!"
Feng Yu clenched his fist. He was very excited. The first loan was settled!
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