Jensen couldn't wait to say:

"Xiao, let's talk about the contract now."

"Yes, but before we negotiate the contract, we have to solve a problem first."

"Please say it."

"Jason, you've hurt me this time."

"Mr. Xiao, what does it mean?"

"You started to tell me about the autumn auction. I thought it was in mid-September. I needed to use the money to buy a Napa winery, but now I need a deposit to start the acquisition negotiations."

"This, Mr. Xiao, our London autumn auction has been held in late October."

"But I don't know the specific time. You only talked about the autumn auction, but not the specific time."

Jensen was also depressed. Every year, Sosby and Christie's hold two grand auctions, spring auctions and autumn auctions. This kind of auction is a feast for collectors. Those who play with collectors know that they know the time when they mention autumn auctions. But when they meet newcomers like Xiao Yifei, they can only be speechless.

"What do you mean?"

"I originally wanted you to provide a proof of funds, saying that I have several oil paintings in Sosby waiting for auction, and the expected transaction price will definitely exceed the purchase price of the winery. This shows that I have enough funds to acquire the winery."

Jansen said without hesitation:

"Of course, this is OK."

Xiao Yifei waved his hand:

"No need, the other party doesn't accept this. You must see the cash before you can consider whether to sell it."

"Which winery is such a big brand? I also know some people. Do I want me to find someone to see if I can convince him?"

"No, I thought of a solution."

"Mr. Xiao, please tell me that we will definitely help if we can use us."

"You guys, Sosby, should you have money?"

Jansen paused:

"Mr. Xiao, what are you trying to say?"

"My meaning is very simple. I believe you are very satisfied with these 4 paintings just now, right? I just want to use your art financial services to borrow some money from you as a deposit. It won't take too long, just borrow 3 months."

Xiao Yifei's plan is actually a "bridge loan". That is, institution A or individual wants to do a business but has no money for the time being, and temporarily borrows from institution B or individuals, and returns it to Institution B after the funds of Institution A are in place. This is a common short-term lending business.

"Then how much does Mr. Xiao want to borrow?"

“40 million.”

Jansen's face changed, and he was in a dilemma now.

Originally, he thought that Xiao Yifei had the money to sell those 6 oil paintings, and he would definitely be enough to buy a winery. Art financial services will not use the functions of lending in the short term. If you want to use them, it will be at least next year. The company may have alleviated the current cash flow exhaustion by then.

Who knew that judging by Xiao Yifei's attitude, he wanted to acquire the winery within a few months.

If it only takes a few hundred or ten million, I might be able to squeeze out some after discussing with the company, but 40 million, Sosby's company can't afford so much money at all. But if this problem is not solved, the financial services of these four oil paintings will be invalidated. If Xiao Yifei directly withdraws the six oil paintings, although Sosby can get some liquidated damages, the subsequent plans will be completely lost.

Seeing that he didn't speak for a long time, Xiao Yifei and Ryan knew that there must be something wrong. Under the questioning of the two, Jansen could only reveal the current situation of Sosby's company. In the end, Xiao Yifei basically understood Sosby's current dilemma and Jansen's abacus.

After knowing all this, Xiao Yifei was convinced that he jumped into Sosby's pit without hesitation. Perhaps Jensen did not deliberately cheat Xiao Yifei, but in fact he still cheated Xiao Yifei.

Of course, Xiao Yifei has a way, such as withdrawing the auction from Sosby. But Xiao Yifei's current funds are only more than 2 million euros. If he withdraws the auction, he will have no money once the liquidated damages are paid, so he still has to find another auction house to auction oil paintings. The only one who can compare with Sosby is Christie's. Not to mention that Christie's is unhappy for auctioning the beast head of the Old Summer Palace. Even if he gives it to them, he will probably go to the autumn auction, and the conditions are similar to Sosby. He still cannot get enough funds before the transaction as a deposit.

Other auction houses, such as Phillips or Nagao, think that such expensive oil paintings are more reliable for the largest auction house.

After talking about the company's dilemma, Jansen began to try his best to dissuade Xiao Yifei from withdrawing the film, and agreed to find a solution immediately. So Xiao Yifei and Jansen and several other people discussed together, and finally came up with a solution, which was to use these 4 oil paintings to bring a bank in to do a three-party transaction. The role of B institution in the bridge loan was given to the bank.

So Wells Fargo, the largest bank in California, was selected by three people in the directorial team to play the role of B.

After all, Sosby was very face-saving. Soon, Marshall, vice president of Wells Fargo, came to the laboratory. Jansen pulled him and muttered for a while, explaining the current situation clearly. Marshall immediately called the headquarters to send a group of experts.

Wells Fargo's headquarters is in San Francisco, and soon several cars came with experts. The 4 oil paintings also caused a burst of exclamations, and then continued to make trouble. Finally, Wells Fargo confirmed the authenticity of the oil paintings and the estimated price was US$250 million.

But next, Marshall changed his face and they were unwilling to do this bridge loan.

"Mr. Xiao, you are planning to use the money from the 6 auction paintings to repay the loan, but we are a bank and we must consider the risks and we must consider the failure. Therefore, we do not agree to this temporary loan agreement."

Seeing that both Jason and Xiao Yifei's faces changed, he immediately explained:

"But we can consider pledging loans, and we will cooperate with the tripartite."

Marshall, Jansen, Xiao Yifei and their respective lawyers began to discuss the plan. In the end, everyone reached a unified plan.

First, Xiao Yifei entrusts the four oil paintings to Sosby Art Financial Services for a fee of 50,000 US dollars per year to sign an art custody contract. (In fact, the 50,000 US dollars is not enough to buy insurance for oil paintings.)

Then, Xiao Yifei mortgaged these four oil paintings to Fuguo, which could be loaned up to US$200 million from Wells Fargo. During the loan period, the oil paintings were still kept and rented by Sosby, and the profits were shared equally by three parties. After the principal and interest of Fuguo's loan was paid off, Wells Fargo withdrew, and the oil paintings were shared equally by Sosby and Xiao Yifei.

Originally, Xiao Yifei planned to estimate one value for each oil painting and mortgage it separately. However, the rich country of dogs is too smart and they don’t do it. They can separate Renoir’s oil paintings, but "Sunflower", "Water Lily Pool" and Picasso’s must be tied together. They are really monkey spirits and monkey spirits. And no matter how much the loan is, these three paintings must be mortgaged together. In addition, the loan period cannot be less than three years. Of course, the interest rate gives Xiao Yifei the biggest discount.

In this plan, Wells Fargo is the biggest winner, and can get 400,000 yuan in rent every year. Originally, the bank had no right to rent out the customer's collateral during the loan period, but according to the tripartite agreement, the 400,000 US dollars was purely additional income.

In addition, Fuguo has also found a high-quality customer. Although it is an economic crisis now, banks also have money to lend. Fuguo is a traditional bank, whose main business is deposits, withdrawals, loans and other businesses, and does not account for a large share of investment businesses like other banks. It is precisely because of this that the impact of the financial crisis is much smaller than that of other banks. Traditional banks have always had a lot of cash to lend, but now everyone dares to borrow from foreign countries easily. If it becomes a bad debt, they cannot explain to shareholders. Xiao Yifei is different. Seeing the oil paintings with absolutely appreciation, it is estimated that the shareholders and executives of Wells Fargo Bank would not want him to pay back the loan, so the oil paintings will belong to them. Even if Xiao Yifei pays back the loan, they will get interest without any loss.

The second winner is Jensen. He successfully completed his original idea and signed a supplementary agreement for the 6 oil paintings for sale, stipulating that these oil paintings cannot be withdrawn, and once they are withdrawn, they will face a sky-high liquidated damages. The rental business of these four oil paintings can not only bring an additional income of nearly 400,000 yuan to the company every year, but also Fuguo cannot die when he sees Sosby, and also promises to provide them with financial support at the appropriate time.

For Xiao Yifei, it was the second time he was cheated.

Originally, he was debt-free, but he had to take a loan to buy a winery. But it didn't matter, he was a master who borrowed money to make money. He had also considered a loan plan to borrow money from the bank, but this time Fuguo delivered it to him to save him a lot of procedures. (Xiao Yifei could only comfort himself like this.) With Fuguo's loan, Xiao Yifei completely solved the problem of funds. Even if all the six oil paintings were not sold, he also had funds to buy a winery. It was just that short-term loans became medium-term loans.

The next day, the Executive Meeting of Fuguo Executives successfully passed the plan. In the debate between Fuguo, Sosby's lawyer and Ryan, it finally took a day to draw up the contract. After the three parties signed the contract, the agreement was reached. Xiao Yifei could apply for a loan at any time, and the bank guaranteed to complete the allocation within one working day.

Oil paintings worth more than 200 million yuan, and Jensen has no space for Osiris. He dare not get on the plane with a barrel of oil paintings. Even if he dares, Fuguo will not do it. He can only find an insurance company, an art transportation company, and a transportation company to find an insurance company. Oh my God, there are still a lot of documents and negotiations waiting for Jensen and Sosby's lawyers, but all this has nothing to do with Xiao Yifei.

Fuguo knew that Xiao Yifei had just arrived in the United States and had not obtained the social security card, and he had to open an account, so he offered to help say hello. Marshall and Xiao Yifei promised that as soon as his social security card was obtained, he would immediately send Fuguo credit card. In addition, he also took his credit card record in the German bank, ensuring that he would give him a good credit score at that time. He was willing to contribute to Xiao Yifei's application for a green card.

Speaking of credit cards and credit scores, this thing has bothered many new immigrants.

After the economic crisis, banks no longer dared to issue credit cards indiscriminately, and they strictly approved credit card applications in accordance with regulations. However, new immigrants had just arrived in the United States and had no credit history at all, so they could not apply for credit cards. Without credit cards, they had no credit history. This thing became a vicious cycle.

Some people may say that if you don’t have a credit card, then I will use a debit card, but in the future, you will need a credit record if you buy a house, a car, an insurance, a job, a transaction, etc.

The United States looks very free. You can live as you want, and no one will come to direct you to discipline you. The government shut down, shut down, bankrupt, and the daily lives of the people seem to be unaffected at all, and the entire society is still moving forward in an orderly manner.

In this process, credit records play a huge role

When looking for a job, the employer will check your credit record, understand your past, and then decide whether to hire you. When renting a house, most landlords will also ask the tenant to fill out the application form and check the credit record to see if the tenant has relied on the account in the past, whether he has been to court for this and was driven away by the landlord.

When buying a house, when the other party receives your offer, they will still check their credit history when choosing the offer. Sometimes, others are obviously the first priority than you, but the other party just bought it because his credit history is better. Of course, except for all cash.

For loans, if you have a good credit record, the amount of loan you can get is high, and the interest rate is low. If you have a poor credit record, you will either not get a loan or you will have to accept high interest rates from the bank.

In addition, the credit score depends on the record of your repayment on time, not how much money you have. Even if a new immigrant deposits tens of thousands or hundreds of thousands of dollars in his bank account, he cannot contribute to the score. Of course, if you have more money, it is still useful. For example, if you have tens of millions or hundreds of millions, the bank will definitely give you a good credit card limit.

If an ordinary new immigrant wants to obtain a credit card, he can only apply for a credit card that freezes equal deposits. That is to say, if you deposit a few thousand dollars on the card, the bank will give you a credit limit of several thousand dollars, which is equivalent to spending your own money and paying interest. With a credit card, you can repay more and slowly accumulate your credit history.

When the credit record score is high, the host and the guest will be transferred. You keep receiving invitation letters from some credit card companies, telling you that we have pre-approved your credit card. Although you have not applied, we beg you to apply for the credit card issued by us. You just need to fill out a form on our website and do not need to go to the company. We will send you a credit card immediately. After receiving it, you only need to call or open the card online to use it.

Although Xiao Yifei doesn’t have much money now, the people in the rich country are not stupid. They know the background of Xiao Yifei, a future billionaire. After they get Xiao Yifei’s card swiping record at the German bank, they will naturally add his consumption record in Europe to the United States, making Xiao Yifei’s high credit score reasonable and well-founded.

Xiao Yifei finally got the money done. With an agreement with Fuguo and Sosby, he only needed to come up with an agreement to lend 40 million from Fuguo as a deposit, but Xiao Yifei did not plan to do so.

After all, Bo has to see the proof of funds before he can consider whether to sell it. Although it seems that the plan to sell it now is the upper hand, if he borrows the loan and he doesn't sell it, wouldn't he bear the loan interest for nothing? And even if he wants to sell it, the negotiation will take several months. Then wouldn't he bear the interest for several months in vain? The interest is hundreds of thousands of dollars, and you can buy a small apartment in San Francisco.

"Will he have time tomorrow? Please help me make an appointment with him and I'll talk to him."

The concubine took out her phone and contacted Bo Barrett, and agreed that the two of them would visit him tomorrow morning. Xiao Yifei called his lawyer Ruian and agreed on his itinerary tomorrow morning.

When he returned to the hotel, Xiao Yifei continued to translate Hans' diary. When he was tired, he went to dig a hole and cultivate the land.

Black Nose was very happy that Xiao Yifei entered the space. Xiao Yifei played with it for a while. It was not that Xiao Yifei didn't want to get the black nose out, but that if the black nose was made, there would be a lot of trouble. Not everyone can bring pets in it. Xiao Yifei was not sure whether the black nose was aggressive. And there were people around him at any time during this period. He couldn't have the black nose appear for a while, and the black nose disappeared again. So Xiao Yifei simply let it stay inside and wait until he settled down before getting it out.

The next day, everyone drove into Napa Valley. Xiao Yifei had been looking forward to it for a long time, and this was the first time he had entered the "Bordeaux" in the United States.

The United States is the fourth largest wine producer in the world, and California, located on the West Coast of the United States, produces a large amount of wine, accounting for 90% of the country. Although Napa wine production accounts for only 4% of the entire California wine production, its output value accounts for about 30%.

Located about 50 miles north of San Francisco, Napa Valley is the first world-class wine producer in the United States. Napa Valley is a narrow and 35-mile long and 5-mile wide area. In addition to the winery and several small towns, the entire valley is full of grapes.

Once you pass by Napa City, Napa County, you enter Napa Valley.

Let’s talk about the administrative structure of the United States here. The top is the federal government, and then the state. The county is below the county (county, also translated as county.) The city and town are of the same level. There is no problem of who cares about whom. Therefore, we often see a small town in movies and TV. For the sake of need, this article calls the bigger ones the city and the smaller ones the town.

Napa Valley is worthy of being an American wine country. On the bottom of the valley and on the gentle slopes on both sides, there are vineyards everywhere, and rows of neatly arranged vines. At this time, it is the time when the vineyards are the greenest, and there are emerald green everywhere.

Vines are the absolute pillar industry of Napa. In 2008, the agricultural output value of Napa, including planting and animal husbandry, was US$409 million, of which grape cultivation accounted for 400 million, which means that the other output value was only 9 million after grape cultivation.

Most of the more than 100,000 residents in Napa are engaged in grape-related and wine-related jobs, and there are also a large number of illegal workers here who become seasonal workers, waiting to be hired by the vineyards.

Xiao Yifei looked at other people's vineyards, neat and clean, and it looked refreshing. However, in his Osiris space, there was no plan at all, and the gap was huge.

Thank you for your support. Yesterday, the new book signing list of newcomers who climbed to the homepage are ranked fifth in the new book list. You are so powerful. Thank you for your book friends "youngshine", "final - fantasy", "xiaotang246", and "Supplement to the heart of the sky".
Chapter completed!