Chapter 309: If I don't achieve results, I'm not worthy of you
Xu Zhixi's gentleness always brings Chen Jianghe the ultimate enjoyment as if he is in the clouds.
It’s a pity that time is something that catches people off guard.
It was still light at the beginning, but it was dark at the end. Xu Zhixi covered her lips and said incoherently, "I'm going to rinse my mouth."
Chen Jianghe squinted his eyes, lying on the bed with a lingering feeling, and spread his arms to form a "Tai" character on the bed. After a moment, it slowly turned into a "Mu" character.
After Xu Zhixi came back from rinsing her mouth, she lifted the quilt and hid in the bed. Chen Jianghe raised his hand slightly and covered her completely.
…
The next morning, the long-lost sunshine briefly showed its face in the eastern sky, and soon hid in the quilt woven by dark clouds like a shy little girl and took a nap.
The weather was still very cold. Chen Jianghe opened his eyes and moved slightly. His entire right arm was numb. He turned to look at Xu Zhixi who was sleeping beside him.
She slept particularly soundly, with half of her thick black hair scattered between Chen Jianghe's arms and the other half on the pillow. Her pure and flawless face was like a peerless painting, which made people hold their breath and admire it.
Chen Jianghe watched for a long time. Finally, Xu Zhixi's eyebrows moved slightly and she opened her eyes. He then moved his right arm and muttered softly, "It's numb..."
Xu Zhixi smiled and turned her head sideways, leaving a gap between her fair neck and the pillow, naturally freeing Chen Jianghe's right arm.
Chen Jianghe wanted to pull his hand out and move it around, but he soon felt a warm and soft touch.
Xu Zhixi placed her slender and soft hand on his palm, interlocking their fingers.
Her hands seemed to have magical powers. She clenched and unclenched, clenched and unclenched. After repeating this cycle for more than a dozen times, Chen Jianghe felt as if his entire right arm had come back to life.
"Chen Jianghe." Xu Zhixi called him, softly and gently as if talking in a dream: "Hold me."
"Yeah." Chen Jianghe also turned sideways and hugged her from behind.
"Do you have anything important to deal with today?" Xu Zhixi held his hand tightly and said, "If not, hold me and sleep a little longer."
"I have to go to the bank today." Chen Jianghe answered truthfully, looking up at the wall clock: "It's still early, only 7:20. The bank will not open until at least 9 o'clock. I can sleep with you until 8 o'clock, then get up to wash up and have breakfast."
"Do you need someone to accompany you to the bank?" Xu Zhixi suddenly asked.
"I can go alone." Chen Jianghe smiled and leaned in to kiss Xu Zhixi's cheek: "If my wife is willing to accompany me, I would be more than happy to do so."
"Then I'll get up." Xu Zhixi lifted the quilt and climbed up. She raised her hand to try to close her suspender skirt, but found that both straps were broken... She simply put on fluffy cotton slippers, changed her clothes, and went out to the kitchen.
"Why should you be so virtuous?"
When Chen Jianghe saw her take some ingredients out of the refrigerator, he sighed inwardly, then he also threw off the quilt and got up.
After a simple breakfast, Chen Jianghe went to the company to prepare all the documents required for the loan, and then drove Xu Zhixi to the Tianhe Branch of China Merchants Bank.
At this time, you can often see food delivery drivers wearing light chaser uniforms walking through the streets of eastern Guangdong.
"It's not easy to deliver food. You have to run outside in wind and rain, regardless of whether it's the hottest summer or the coldest winter." Xu Zhixi said softly.
“It’s not easy in every walk of life.”
Chen Jianghe said: "My father used to work on a construction site. Every year when the weather was hot, he would fall ill. He would be given intravenous drips for several days, and when he felt a little better, he would force himself to go back to work. Every time he came home from work, his whole body was wet, as if he had just been fished out of the river."
"So as soon as you entered college, you tried every way to make money." Xu Zhixi said with emotion.
“If you don’t work hard, you can’t live the life you want.”
Chen Jianghe said seriously: "If I don't make achievements, I'm not worthy of you."
"You are already very good ." Xu Zhixi held the back of his hand and said softly, "Don't put too much pressure on yourself. I don't want you to live too hard."
Chen Jianghe smiled and then asked her, "If I make a mistake someday, will you still be as gentle to me as you are now?"
Xu Zhixi's eyes flickered, and after thinking for a while, she replied: "As long as it's not domestic violence, I can consider other mistakes."
"Oh." Chen Jianghe said "Oh" and didn't say anything more, because Teacher Xu's answer was completely beyond his expectations.
Xu Zhixi walked into the bank door holding Chen Jianghe's hand. The lobby manager, who had been standing in the hall and not looking away, was suddenly enlightened when he saw the handsome man and beautiful woman. He greeted them with a smile: "Hello, what can I do for you?"
"I have made an appointment with your President Zhu regarding corporate loan business." Chen Jianghe took out a business card and handed it to the lobby manager.
The lobby manager took the business card and glanced at it. His smile became even warmer and he said in a gentle manner, "Mr. Chen, please come with me to the VIP room and sit for a while. I will go and inform you."
"Thanks."
Chen Jianghe said a polite word, then calmly took Xu Zhixi and followed the lobby manager to the bank's VIP room.
The two sat in the VIP room for about ten minutes before they met Zhu Xingyan.
"Who is this?"
Zhu Xingyan shook hands with Chen Jianghe in a friendly manner, and then turned his gaze to Xu Zhixi who was beside him.
"My girlfriend." Chen Jianghe introduced her openly.
Zhu Xingyan immediately turned around and took a gift box from the assistant, and gave it to Xu Zhixi with a smile on his face: "It's a small gift to show my appreciation."
Xu Zhixi smiled faintly but did not reach out to take it.
Seeing that the president was so good at handling things, Chen Jianghe smiled and raised his hand to block him: "President Zhu, you are too polite. Let's get down to business first. It won't be too late to accept the gift after we're done."
"OK."
Zhu Xingyan smiled and nodded, then asked his assistant to take out the loan contract and sat down to go over it with Chen Jianghe himself .
"300 million working capital line, 3 years, 3.75% annual interest. 50 million credit line."
Chen Jianghe is concerned about the loan amount, annual interest rate, repayment period and loan conditions.
A credit line is similar to a credit card. A certain amount of money is given and can be used at any time. This type of money provided directly by the bank requires real estate mortgage according to regulations.
But for customers of Chen Jianghe's level, the rules are dead, but people are alive. As long as he is willing to apply for a business loan of 300 million, the credit is equivalent to a half-sale and half-free deal.
However, Chen Jianghe had a big appetite. After looking at the credit limit, he said to Zhu Xingyan without a smile: "I am very satisfied with the working capital limit given by President Zhu. The credit limit is a bit low."
Zhu Xingyan seemed to have anticipated this and took out another credit contract and handed it to Chen Jianghe.
"150 million credit line."
Chen Jianghe raised his eyebrows, thinking that if he had not asked more questions just now, President Zhu would definitely not have taken out the contract.
At present, major banks have sufficient funds and loan demand is sluggish. The benefits of banks approving hundreds of millions of loans are far greater than attracting hundreds of millions of deposits. Therefore, after Chen Jianghe made the request, Zhu Xingyan immediately made adjustments.
"Can it be lifted a little higher?" Chen Jianghe smiled.
Chen Jianghe will not use these two funds for company operations. The best place to use them now is to buy Volkswagen shares. After they have rolled over in the stock market, he can free up some money to buy properties at a bargain price. The annual interest rate of 3.75% is almost negligible.
Of course, the prerequisite is that the Volkswagen stocks purchased do not suffer huge losses.
Zhu Xingyan and Chen Jianghe looked at each other, smiled and shook their heads. It was not impossible to increase the credit limit further, but real estate had to be mortgaged.
The real estate under Mr. Chen’s name is cleaner than his face, and the bank has already known it clearly.
"Okay, let's do this."
Chen Jianghe made a quick decision and asked, "How long will it take to complete the procedure?"
"If it's urgent, the earliest would be before three o'clock this afternoon," Zhu Xingyan replied.
Chen Jianghe picked up the pen and signed. After signing, he stood up and shook hands with President Zhu again: "Thank you for your trouble."
"It's my duty." Zhu Xingyan said with a smile.
