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第三十三章 很多人都是这么干的

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“林先生是在市委工作?”徐建指了指玻璃幕墙下来的尼桑车。

“这车跟司机都是借来撑场面的,免得徐总不重视。”

“林先生说笑了,能从市委借车借人,说明林先生的能耐很大啊。”徐建考虑了一会儿,“林先生,你看这样行不行?林先生有公司,有贷款承诺书,完全可以向银行审请个人按揭贷款,我有律师朋友,可以为林先生做一份完全无缺的收入证明。”

“我可没有首付的钱?”

“将房价定在860元,以七成的按揭贷款比例,正好是600元每平方米,将由银行为林先生代交全额房款,产权移至结束之后,只要林先生筹款还给银行就行,跟星湖没有一点关系。”

“真是好主意啊,”林泉笑了起来,“不如将房价定为1710元,银行将为每平方米的房子掏1200元,这样只要拿一半房子去抵押按揭就能支付所有的房款,其余的房子就直接移到联合投资公司的名下。”

徐建惊讶的望着林泉,让他的口气吓着了:“林先生神通广大,不知哪家银行会为林先生提供按揭贷款?如果骗贷的事情捅出来……”

“骗贷?徐总开玩笑呢,我每月按期还贷,怎么会是骗贷呢?徐总律师朋友的事务所能为我做一份收入证明的话,我可以考虑以三百八十万元的价格买下九号楼,这样的话,徐总就不用为工程款的事头疼了……”

“咚咚咚……”张碧筠推门进来,看见徐建的脸色有些发白,林泉的眼睛却灼灼发亮,身子前倾着,气势有些咄咄逼人。张碧筠不知道她离开的时候里,徐建跟这位林先生谈了什么,气氛有些怪异。

林泉靠向椅背,从孙菲菲手里接过那张贷款承诺书:“张经理,这张贷款承诺书是否真实有效?”

张碧筠对徐建说道:“去过中心支行,确实是滨江道分理处出具给联合投资有限公司的贷款承诺书。”

林泉将贷款承诺书放进包里,盯着徐建:“徐总希望采用哪一种方案?”

徐建太需要那笔资金来缓解公司的财务压力,他心里清楚,林泉既然能搞来贷款承诺书,按揭贷款时,通过银行的审查也就不是问题。徐建犹豫了一会儿,站了起来,伸出手来:“林先生的建议相当好,我亲自给林先生办手续。”

林泉站起来,握住徐建厚实的手掌:“那好,明天,孙助理将代表我来议定相关细节。”

林泉还是将老宅做了高价评估,作为个人的资产证明连同律师事务所根据空壳公司文件做的收入证明一同提交给吴国新所在的滨江道分理处。通过吴国新的关系,对星湖苑房产价值的评估,个人资产评估资料、现实收入证明资料的审核没有遇到任何困难。十六天后,星湖苑九号楼共二十四套房产作为按揭贷款的抵押品抵押给建行滨江道分理处,其余二十四套房产转入静海联合公司的名下,与此同时,银行存入指定公证账户的三百八十万元转入星湖房地产开发公司的账户。

林泉又以静海联合公司名下的二十四套房产,作为抵押品,透过吴国新的关系,由建行天星湖分理处向“静海联合”提供五百万的项目贷款,用这笔贷款提前归还先前办理的个人按揭贷款。

林泉转身又向滨江道分理处提出贷款审请,要求将刚刚归还的三百八十万给贷出来,抵押品就是即将由个人名下转入联合投资有限公司名下的二十四套房产。孙菲菲这些天正跑商业贷款的手续,只要建行指定的律师事务所通过材料的审查,这笔三百八十万的巨款就会给转入公司的账户。

短短不足半个月的时间,在吴国新的配合下,联合投资名下就有四十八套商品房,帐户还有近五百万资金,当然还欠银行将近九百万的贷款。

林泉虚报房价,将房产高价抵押给银行,获得五百万商业贷款的事,孙菲菲比谁都清楚,绝大多数的手续都是她代替林泉跑的。孙菲菲对基础方面的金融知识有些了解,想起来难免有些后怕。购买星湖苑的房产时,林泉与徐建约定,今后一年的时间内,星湖苑的楼盘标价不得低于一千五百元每平方米,这样做只是在法律程序上无隙可击,但是表面的繁华只能维持到贷款到期之日。

但这其中的过程,让孙菲菲感到难言的兴奋。认识林泉以来,她接触到以前很少有机接触的人群,林泉仿佛将她带入一个秘密梦境。

[记住网址龙腾小说ltxsba.com]

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