Chapter 5 - Chapter 5: Taking a Loan to Make Money

Zhang Yi answered, "My name is Zhang Yi. Is there any problem with me ordering 500 banquet tables from you?" The manager was startled. This was the first time their hotel had encountered such a request since opening. But such a large order, if it came in, they would certainly take it. "Mr. Zhang, 500 banquet tables would cost over a million. If you need it, we can start preparing immediately, but we will require a 200,000 yuan deposit in advance." Zhang Yi replied, "No problem, just send me your account details, and I'll transfer the money." With money in hand, things would be easier to arrange. The manager quickly agreed, added Zhang Yi as a contact, and sent him the bank account details. Zhang Yi immediately transferred the 200,000 yuan without hesitation. On the manager's side, after confirming the deposit had been received with the finance department, he immediately began giving orders to various departments. "Hurry up! We've got a big order! Tell the purchasing department to speed up the stock preparations, and the kitchen should temporarily stop accepting other takeaway orders!" "We need to prepare all 500 banquet tables within one day!" … Meanwhile, after hanging up the phone, Zhang Yi couldn't help but sigh, "Although the money won't be useful after a month, I still need it to buy things now." In his hands, the inheritance left by his parents and his own savings totaled around 2 million yuan. Now, half of that was gone. To be honest, he felt a bit pained. But after a moment of thought, he realized that this was actually a good thing. Many people had big sums of money, only for it to turn into scrap paper later on. Not everyone gets the chance to spend money. "However, there will still be many places where I need money, so I need to figure out a way to make more." Zhang Yi's gaze landed on his house. The house was located in the central area of Tianhai City, with a 120 square meter area, and the neighborhood was built 10 years ago. According to the current market, one square meter costs over 40,000 yuan. That means this house is worth at least 5 million yuan. "I got it. I'll take out a mortgage loan. That'll give me the money I need." Zhang Yi chuckled to himself. The money from the loan didn't need to be repaid immediately, which felt quite satisfying. He immediately left his house, got in his car, and headed to the bank to apply for the loan. On the way, he received a message from Fang Yuqing. "Zhang Yi, I'm so bored this weekend. I really wish someone could go out with me." Zhang Yi glanced at the message and tossed his phone aside. He arrived at the bank to process the loan application. Since Zhang Yi was applying for a large loan, had all the necessary documents, and the house was fully paid for, the loan approval process was quick. However, the bank only approved a loan of 4 million yuan. Zhang Yi didn't try to negotiate. After all, it was free money, and he didn't have the time to haggle with the bank. After signing the papers, the bank immediately transferred the money into his account. "Now, after paying over a million for the banquet, I still have around 5 million left." "Renovating the house should be enough. However, I still need to buy a lot of medicine and weapons. This money may not be enough." Zhang Yi stroked his chin, starting to think about how to get more money. At that moment, a young man with yellow hair noticed Zhang Yi, who was lost in thought. His eyes lit up, and he immediately walked over. "Hey, buddy, looks like you need some money?" Zhang Yi looked up at the young man. "Who are you?" The young man's smile widened as he lowered his voice and asked, "Let me ask you, do you need money right now, and the bank won't lend to you?" Zhang Yi immediately understood what was going on. This guy must be a loan shark! Zhang Yi's mind raced, and a plan formed. He sighed and pretended to look troubled, saying, "Yeah, my family business urgently needs capital, but the bank is being difficult…" As he spoke, Zhang Yi deliberately showed an expression of difficulty. The young man quickly understood. Anyone who could get a loan from the bank wouldn't come to borrow from a loan shark. He said to Zhang Yi, "Yeah, the bank is strict now! Too many rules, and the money takes too long to come through." "But, bro, if you need money urgently, I can help you out." Zhang Yi looked at the young man cautiously. "You? Can you really help? I need several million!" Upon hearing that it was a big deal, the young man's eyes clearly became more excited. He pulled a business card from his pocket and handed it to Zhang Yi. "Our company specializes in helping people in urgent need of money. If you need money, come to us. We're the right people for the job!" Zhang Yi glanced at the card, which read "Duoduo Loan Financial Services Co., Ltd." The young man's title was Business Manager, Hu Minghua. Zhang Yi replied eagerly, "Can you really lend me the money? I need 5 million yuan. If you can help me out, I promise to pay it back in three months at most!" Hu Minghua smiled and said, "This can be arranged. Our company is very strong. We specialize in helping people like you who need funding." "Let's go. We'll discuss the details at our office." Zhang Yi nodded eagerly, following Hu Minghua to their office. The so-called office was located in a somewhat remote office building. After entering, Hu Minghua led Zhang Yi to the boss's office. The boss of this loan company looked big and strong, but he was wearing a high-end Benetton suit. It was clear he was trying to create the image of a legitimate company. However, there was a hint of fierceness in his expression. If you hadn't been in the business world for years, you wouldn't recognize that look. Hu Minghua introduced Zhang Yi to the boss, saying, "Manager, this is the client who wants to borrow money from us." The boss, named Chen Xiong, smiled and asked Zhang Yi to sit down. "Mr. Zhang, how much would you like to borrow?" True to the nature of a loan shark company, the conversation was straightforward and blunt. Such companies were inherently unregulated, so there were no formalities or rules. Moreover, they had plenty of ways to ensure you paid back the money, so they weren't concerned about defaults. Zhang Yi replied, "I'd like to borrow 5 million yuan." Chen Xiong furrowed his brow. "Oh, that's a large amount. However, Mr. Zhang, I must inform you that our interest rates are quite high. You need to be prepared for that." Hu Minghua chimed in, "Mr. Zhang's business urgently needs funds. Once it's up and running, he'll easily pay this money back. Right?" The two of them played off each other, and Zhang Yi observed it all. Zhang Yi continued to act eager, saying, "Yes, I can pay it back soon. The interest is fine, just as long as you can lend me the money."