之前跟农轻影聊天，得知在办理抵押贷款。

苏业豪从农轻影那里，要到了帮她贷款的银行经理电话，是一家曰本的公司，名字叫做“第一劝业银行”。

本来，苏业豪对这种“没什么名气”的银行，心存抵触。

他了解不多，还是头一回听说第一劝业银行，理所当然觉得规模不大，像是杂牌军。

但农轻影告诉说，这几年曰本银行的日子不好过，破产的破产、重组的重组，为了抢生意争夺市场，优惠力度相当大。

在不明着破坏市场秩序，按照规定利率贷款的基础上，可以通过其他方式返利。

“返利”两个字，顿时就勾起了苏业豪的兴趣。

当年曰本签署广场协议之后，房价跳水、经济萧条。

这些苏业豪是知道的，曰本的银行业，目前仍然陷入了所谓失落的年代里。

尹琉璃床头有本《东京爱情故事》，前几天这本书封页晃动，刚巧被苏业豪看见了。

事后随手还翻过几页，竖排版的繁体字，看得头都大。

当然了。

也可能是缺氧眼花的缘故。

反正就在赛车场玩闹期间，第一劝业银行港城分公司，安排了一位经理，带着两位小职员赶来，约苏业豪详谈拿豪宅抵押贷款的细节。

涉及到一大笔资金，不得不谨慎些。

苏业豪身上的职业赛车服还没换，肩膀被四点式安全带勒疼了，难得有机会猛踩油门，刚刚过足了瘾，差点冲上草地。

三位银行职员，都是港城当地人，挨个跟他打过招呼，递了名片。

总怕一不小心吃了闷亏，苏业豪警惕道：“我在上风上水的那套豪宅，跟农轻影小姐的户型差不多，装修还多花了几百万，如果现在贷款，最多能给我贷多少钱？”

“冒昧问一句，房产证那些……”

“都有，都齐全，在我手里。”

说完，苏业豪不忘补充道：“之前问了其他银行，但农小姐告诉我，你们行的利息低，还有返利，今天主要是想先了解一下。”

模棱两可的套路。

话里意思，无非是哪里实惠，就跟哪家银行合作。

英文名叫大卫的经理听出来了，脸上挂起笑容：

“我们行正处于扩张期，随便去哪里问，肯定是我们这里最优惠。一般能按照评估价的七折发放贷款，如果跟农小姐的房子户型一样，三千五百万左右应该没问题，有人负责担保还能贷到更多，我看你好眼熟，请问少爷……你父母是谁？还有贷款用途，方不方便告诉我？”

“贷款还要查户口？我就是不想从我爸妈那拿钱，所以才想贷款，自己投资创业。放心，用途方面肯定是正道。”

苏业豪摆出一副阔少嘴脸。

想着最好趁机多贷一点，跟可能到手的利润相比，银行利息还是挺划算的。

有句话叫做有钱人善于用银行的钱挣钱。

虽说前世没几个钱，但这句话苏业豪倒是记住了。

于是，他继续对大卫经理说：“不找别人担保，我自己替我自己担保行吧，我在渣打银行旗下的渣打信托理财公司，有个资产六千多万港币的账户，成年之后老爸老妈非要让我学会管钱，真烦啊。”

凡尔赛。

明目张胆的凡尔赛。

苏业豪担心贷款审批出问题，抓住机会露了一手。

大卫经理脸皮一颤。

好在常跟富人打交道，还能稳住。

他身后两位年纪轻轻的小姑娘，火候功力不够，这时已经投降，花痴写在脸上。

苏业豪长得帅气，先干掉九成半的人。

因为年轻，再加几分。

另外还是拥有数千万房产和其他资产的富家子，四肢健全、头脑清晰，没有明显不良的怪癖。

就这些综合起来，已经足够秒杀掉超过99.9999%的男性。

只能说苏业豪一直低估了自己在异性眼中的竞争力。

赵乙梦的嫌弃、姜渔的爱搭不理，南宫甜的忍辱负重，琳达&

He learned from Nong Qingying during a chat that she was applying for a mortgage loan.

Su Yehao got the phone number of the bank manager who was helping her with the loan from Nong Qingying. It was a Japanese company called Dai-Ichi Kangyo Bank.

Originally, Su Yehao was resistant to this kind of "unknown" bank.

He didn't know much about it and was hearing about Dai-Ichi Kangyo Bank for the first time. He naturally thought it was small in scale, like a motley crew.

But Nong Qingying told him that the Japanese banks had been having a hard time in recent years, with bankruptcies and reorganizations. In order to grab business and compete for the market, the preferential treatment was considerable.

Without openly disrupting market order and based on the regulated interest rate for loans, rebates could be given in other ways.

The word "rebates" immediately piqued Su Yehao's interest.

Su Yehao knew that after Japan signed the Plaza Accord, housing prices plummeted and the economy declined.

The Japanese banking industry is still mired in the so-called lost decade.

There was a copy of *Tokyo Love Story* on Yin Liuli's bedside table. A few days ago, Su Yehao happened to see the cover of the book shaking.

Afterwards, he flipped through a few pages. The vertically arranged traditional characters gave him a headache.

Of course.

It may also have been due to hypoxia and blurred vision.

Anyway, while they were playing around at the racetrack, the Hong Kong branch of Dai-Ichi Kangyo Bank arranged for a manager to come with two junior staff members to discuss the details of mortgaging the mansion for a loan with Su Yehao.

Involving a large sum of money, he had to be cautious.

Su Yehao hadn't changed out of his racing suit yet. His shoulders were sore from the four-point seat belt. It was a rare opportunity to floor the accelerator, and he had just had his fill, almost rushing onto the grass.

The three bank employees were all local Hong Kong residents. They greeted him one by one and handed him their business cards.

Afraid of being taken advantage of, Su Yehao asked vigilantly, "The mansion I have in Sheung Fung Hau Shui has a similar layout to Miss Nong Qingying's, and I spent a few million more on renovations. If I get a loan now, what's the maximum amount you can lend me?"

"May I ask, the property ownership certificate..."

"I have everything, it's all complete, and it's in my hands."

After speaking, Su Yehao didn't forget to add, "I asked other banks before, but Miss Nong told me that your bank has low interest rates and also rebates. Today, I mainly want to understand the situation first."

An ambiguous routine.

The implication was that he would cooperate with whichever bank was more affordable.

The manager, whose English name was David, understood and smiled.

"Our bank is in a period of expansion. Wherever you ask, our offer will definitely be the most favorable. Generally, we can issue loans at 70% of the assessed value. If the layout is the same as Miss Nong's house, about thirty-five million should not be a problem. If someone is responsible for providing a guarantee, you can borrow even more. You look very familiar. May I ask, young master... who are your parents? Also, what is the purpose of the loan? Is it convenient for you to tell me?"

"Does getting a loan require checking my family background? I just don't want to take money from my parents, so I want to get a loan and start my own business. Don't worry, the purpose is definitely legitimate."

Su Yehao put on the airs of a rich young master.

Thinking it would be best to borrow a little more while he had the chance, compared to the possible profits, the bank interest was still quite worthwhile.

There's a saying that rich people are good at using the bank's money to make money.

Although he didn't have much money in his previous life, Su Yehao remembered this sentence.

So he continued to say to Manager David, "I won't ask anyone else to guarantee me. Can I guarantee myself? I have an account with Standard Chartered Trust, a wealth management company under Standard Chartered Bank, with assets of more than sixty million Hong Kong dollars. After I came of age, my parents insisted that I learn how to manage money. It's really annoying."

Versailles.

Blatant Versailles.

Su Yehao was worried that there would be problems with the loan approval, so he seized the opportunity to show off.

Manager David's face twitched.

Fortunately, he often dealt with rich people and was able to remain calm.

The two young girls behind him didn't have enough experience, and had already surrendered at this time, with infatuation written all over their faces.

Su Yehao was handsome, knocking out 95% of people right off the bat.

Because he was young, add a few more points.

In addition, he was also a wealthy young man with tens of millions of dollars in real estate and other assets, with sound limbs, a clear mind, and no obvious bad habits.

Combining these factors, it was enough to kill more than 99.9999% of men.

It can only be said that Su Yehao had always underestimated his competitiveness in the eyes of the opposite sex.

Zhao Yimeng's disdain, Jiang Yu's indifference, Nangong Tian's bearing the burden of humiliation, Linda &