369: Chapter 369 A Physical Reprimand of Secretary Jiang! Mortgage Loan!

Chapter 369: Physically Knocking Sense into Secretary Jiang! Mortgage Loan!

She had noticed this woman at a glance during the interview; she was so beautiful it was almost unreasonable!

Jiang Yuzhen prided herself on being quite pretty as well.

But compared to this Yu Chengjun, she possessed enough self-awareness to know she fell short!

Her figure had always been her shortcoming!

Just then, she heard Su Yang's footsteps: "Secretary Jiang, what are you standing there for? It's time to get off work!"

It was nearly seven o'clock now, and Su Yang was ready to make his exit.

The tasks he had assigned to Jiang Yuzhen were for tomorrow anyway.

Jiang Yuzhen asked curiously, "Boss, between Yu Chengjun and Chen Tianxing, who do you favor more?"

"If there are no issues with the background check, I might keep both of them!"

He wanted both? How greedy!

However, Jiang Yuzhen didn't mind; this seemed to be the boss's style.

"So, this Yu Chengjun might become my colleague?"

"Most likely. Is there a problem?"

Jiang Yuzhen pointed at the beautiful woman on the resume and asked, "Isn't she a bit too pretty?"

Su Yang gave Jiang Yuzhen a deep look.

But then he felt that Little Jiang was a rational girl.

She shouldn't be showing such obvious jealousy!

Jiang Yuzhen continued, "Boss, even with someone like me by your side, people spread all sorts of rumors. If Yu Chengjun comes..."

"Hmm?" Su Yang frowned slightly, immediately catching the key point. "Spread what?"

"They say that the relationship between the boss and me is 'that kind' of relationship!" Jiang Yuzhen said with some grievance. "Today, since you're hiring a new secretary, I heard them saying behind my back that I... have fallen out of favor!"

"Who said that?"

Su Yang's mood soured instantly.

If he had actually done something with Jiang Yuzhen, he might feel better hearing the rumors.

But he clearly hadn't done anything!

This was a false accusation!

Jiang Yuzhen whispered the names of three headquarters employees—two women and one man.

These three were notorious gossips in the office and had spread rumors about her before.

At the time, Jiang Yuzhen had acted as if she hadn't heard them, but she wasn't in a great mood today!

Su Yang nodded. "I see!"

He was a bit disappointed; one of them was someone he had actually thought quite well of...

He felt he provided good compensation, yet these people were badmouthing him behind his back.

Su Yang comforted her softly, "Secretary Jiang, don't pay too much attention to these rumors!"

"Okay!"

"Also, you're actually no worse than Yu Chengjun. Looks aren't everything. Don't belittle yourself; I value you very much!"

Jiang Yuzhen looked at Su Yang and nodded heavily.

Hearing the boss's words of encouragement, Jiang Yuzhen's heart surged with excitement, feeling as if she'd been given a shot of adrenaline!

"Alright, let's head out!"

"Yes, Boss!"

Following behind Su Yang, Jiang Yuzhen thought of those three, and her mood improved slightly.

Everyone praised the boss for his good memory and for being able to remember every employee's name.

But they didn't realize how terrifying it was for a boss to have such a good memory!

As Jufan Holdings grew and expanded, the employees entering the headquarters were becoming more and more exceptional, making competition destined to be fierce.

Upon reaching the entrance of Hyatt Plaza, Su Yang and Jiang Yuzhen parted ways.

"Goodbye, Boss!"

Jiang Yuzhen bowed slightly.

But just then, she felt a sharp pain in her head.

She looked up to see her boss slowly retracting his hand.

"Boss?"

She called out, feeling a bit aggrieved and confused.

"Just knocking some sense into you!" Su Yang said with a smile. "In the future, speak your mind directly. Don't try to be clever!"

Then, Su Yang turned around, leaving Jiang Yuzhen with a dashing view of his back.

Watching the driver open the door as her young, handsome, yet steady boss sat into the maybach...

Jiang Yuzhen rubbed her forehead, feeling a complex mix of grievance, embarrassment, and a bit of happiness!

Although she had been 'knocked,' this physical knock also signified that the boss was close with her!

"Well! Even if I was seen through, at least the boss didn't blame me!"

She comforted herself this way.

Sitting in the car, Su Yang found it somewhat amusing.

He certainly wouldn't mind if his secretary had a bit of a scheming side.

If the secretary by his side were truly a naive 'sweetheart,' he would actually be worried!

The next day, people from the bank went to inspect Su Yang's villa, giving it an appraisal of 240 million.

"President Su, the location and renovation of this villa are actually quite excellent and rare. The market value could be estimated at 270 million, but we can't just throw numbers around!" Tian Hanxiong specifically explained to Su Yang. "After all, your transaction price was 240 million, so our bank's appraisal is on the conservative side!"

"I understand!"

Su Yang was already mentally prepared.

"Speaking of which, President Su definitely got a bargain buying this villa!" Tian Hanxiong said with a smile. "Given the location and land area of your villa, it must have been one of the crown jewels among the Lu Lake detached villas. Its market price at the time should have been around 150 million."

"I know!"

Yang Jingshan had mentioned this to him as well.

Su Yang asked in a low voice, "So, how much can your bank lend?"

"At most 170 million!" Tian Hanxiong whispered. "This is a mortgage loan based on 70% of the villa's value. Many domestic banks won't go as high as 70%; 50% or 60% is more common. Moreover, this requires your company's bank statements to meet the requirements and also needs approval from our superiors. However, with President Su's strength, it shouldn't be much of a problem!"

When it involved luxury homes worth over a hundred million, mortgage loans were very difficult to process because luxury homes were harder to sell!

Even though the luxury home market was still very active and showing an upward trend.

Therefore, it was best if the mortgagor was an operator with a physical operating company.

To loan 100 million, the company's annual corporate account flow must be at least no less than 150 million.

With the strength of Jufan Holdings, Tian Hanxiong estimated there would be no problem; the flow from Jiuxiang Catering alone was quite impressive!

Su Yang smiled and said, "Then please try to secure as much as possible for me!"

He had used a 50% discount card to buy the villa for 120 million, and as a result, he could loan 170 million from the bank by mortgaging it.

It felt like he had earned 50 million!

Tian Hanxiong said with a smile, "I will do my best, but your side also needs to cooperate with me!"

"That's definitely not a problem!" Su Yang thought for a moment and asked again, "Can I do interest-only for now? Like with Yanhu Vocational School!"

His advantage would grow larger over time, so he wanted to tie up as little capital as possible in the early stages!

Therefore, paying interest first and principal later was his best choice.

Time was always on his side.

"It's possible!"

"How about ten years?"

"President Su, long-term interest-only loans are hard to come by now. Three years is likely possible!" Tian Hanxiong explained seriously. "If the duration is too long, there are too many variables, and the bank takes on too much risk."

"Three years is fine too. What's the interest rate?"

Su Yang felt a bit helpless. Why could Dongcheng Group do it, but he couldn't?

Moreover, he had heard that companies in some regions could use 15 properties to loan out 1.5 billion...

He was only borrowing 170 million; surely they wouldn't block him?

He was a conscientious entrepreneur; he wouldn't default on the money!

"Interest-only rates are relatively high. For three years, 4% should be doable!" Tian Hanxiong did some mental math and said, "Roughly 570,000 in interest per month!"

Su Yang asked with a smile, "Over 20 million in interest over three years?"

Tian Hanxiong chuckled and said, "President Su's mental math is quite good; it's roughly like that!"

"Alright then!" Su Yang said with a smile. "By the way, help me ask if your leaders are free..."