London, the name of the city, was first known by Arthur when he was a child, or through the Sherlock Holmes series in the early 1990s. His imprint is the continuous gray rainy day, the lane mouth in the fog out of the cold light.


    Under the street lamp, walking on the gravel road with walking stick, high top hat and Cape, the black back figure, as well as the thieves and children in rags are reflected. There is no sun there, but muddy streets, dirty, evil old society should be like that.


    After growing up n years, I didn''t expect that he came to London in a way of crossing, which also broke many stereotypes.


    There are not only rainy days here, but also blue sky, with big floating clouds passing over the top of Big Ben. The famous 18th century royal deer hunting ground in Hyde Park shows luxury in London.


    Emerald green, clear blue and clean white clouds constitute a beautiful picture of ease. Once the industrial revolution brought it pollution, the "fog city" has become history. The sky is no longer gray with drizzle, and the wet streets are no longer under your feet.


    In the early autumn, on a warm sunny morning, Arthur''s whole life was dressed in a straight suit, a white shirt, a blue tie, a pair of black shoes, and a pair of golden glasses. He was a complete business elite. There was no trace of street gangsters.


    I''m afraid that even if they brush past his predecessors, they will not recognize themselves.


    Arthur followed James''s lawyer and financial adviser Robert long, stepping on the stone steps into the Santander bank in London, looking at his reflection in the glass door of the bank.


    For him, everything in the past has changed. He did not want to go to the street again, and his mobile phone was lost. Therefore, all the memories of London were deliberately lost by Arthur. His world has been different!


    Entering the Santander bank hall, Arthur and his party were met by the bank credit manager who had been waiting for a long time. They exchanged greetings and coffee in the VIP VIP room on the second floor. After passing through, the credit manager named Jerry Jones of Santander bank said with a smile and respect.


    "Your Lordship, I believe you also know the specific situation. At present, all banks have become more cautious in lending after suffering huge bad debt losses, and the examination of lenders is more stringent. We are very sincere in reducing the interest rate of two-year fixed loan to 1.66%.


    At present, we are very interested in the loan amount of the real estate bank, so we hope that you can take the risk of the real estate market according to the amount of the loan


    Hearing this, Arthur had to sigh that the other side would speak. At least, the service attitude was really good. There was no superior sense of being superior and indifferent. It made people sound very comfortable. He really had a kind of idea of making money by being amiable.


    However, the words are good, but the truth may not be the case. Banks do become cautious in lending, but on the other hand, a large amount of rescue funds make their funds very abundant. Banks are also very keen to increase the level of mortgage loans and make use of their savings. But there is little enthusiasm for real estate and land mortgages.


    Moreover, Arthur believes that even if banks reduce the price to 1.66%, they can still get 10% return on loans. Although the profitability is far lower than that before the financial crisis, it still exceeds the sluggish profits of most big banks in recent two years.


    As for the idea that the bank wants to borrow less money to reduce his own risk and to collect interest to make profits, Arthur can naturally understand, but understanding is understanding. For him, it is not so good.


    "If we insist on the assets appraisal data submitted by us, how much money can your bank lend us?"


    "70%, with total assets of 40 million pounds, we can only lend you 28 million pounds."


    The other side answers very quickly, did not have the slightest hesitation. This made Arthur frown slightly. After pondering for a moment, he looked at each other, shook his head and said, "70% is too little, which can''t meet my psychological expectation. I believe your bank should check the information of the manor. The profit level of the manor is very stable. In addition to the fixed farm rent and the agricultural subsidies from the European Union, I believe these can be guaranteed Ability to repay the loan.


    As a writer, I have just signed two contracts. One of them sold the film and television copyright at a high price of 750000 pounds. The novel will also be published in the near future. The other has signed a publishing contract with the famous multinational Publishing Group Langdon house, which will also be published in the near future. So you don''t have to worry about my repayment ability! "


    As soon as he said this, the face of the credit manager named Jerry Jones changed a little. He looked suspiciously at Robert Lang, the financial adviser he had been negotiating with. He seemed to ask again, why didn''t you talk about it before?


    "I''m sorry, these two business cooperation have just been concluded. However, as our boss said, the last thing your bank needs to worry about is the repayment ability of our boss, because our boss is an absolutely high-quality customer." Robert Lang opened his mouth and answered the other party''s doubts."So After listening to the explanation, Jerry Jones began to think with a slight frown. After a moment, he looked at Arthur and asked with a smile, "what''s your psychological number, sir?"


    "If I can, I hope it''s 40 million pounds. After all, my estate is valued at more than 40 million pounds."


    "I''m sorry, sir. This figure is definitely not acceptable. The risk is too high. 75%. What do you think?"


    Arthur smiles and shakes his head. He doesn''t want to test each other bit by bit with each other. Instead, he turns his eyes to his financial adviser. It''s better to leave this bargaining matter to his subordinates.


    "It''s too low. It''s too different from the assessed price of our manor. We''re obviously at a loss of 95%. I believe this figure is fair after all." Robert Lang naturally saw the look Arthur handed him, and without hesitation began to bargain with each other.


    More than ten minutes later, Robert Lang and the other party did not come up with a final result. The main reason is that the credit manager on the opposite side can only decide 75% of the total assets of the loan to Arthur. If he wants a higher loan ratio, he must report it and make the final decision.


    "I''m sorry, sir. I can only increase it to 75%. However, I will report the situation truthfully. You are definitely a high-quality customer our bank needs. I believe there will be a good result. This will take a little time. Please wait patiently."


    Before Arthur decided to end the discussion temporarily and prepare to leave, Jerry Jones, the credit manager, explained sincerely that the other party did not want to lose the cooperation opportunity.


    "Understandably, I''ll wait for your good news. Goodbye." Arthur smiles indifferently, shakes hands with the other party, and then leaves with others.


    Out of the Santander gate, Arthur said to Robert Lang next to him, "how much will Halifax Bank lend us?"


    "30 million pounds, but the interest rate is slightly higher than Santander bank, 1.7% interest, if the same amount of loan, we need to pay 1000 pounds more interest per month." Robert Lang immediately replied.


    Arthur frowned and nodded. "Come on. This afternoon, see what Halifax says."


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