Chapter 829: Behind-the-scenes Blacklisting

"Bang!"

Zhao Tianyu slammed his phone hard against the car window.

The screen shattered.

Like a mocking face.

He lay over the steering wheel, his shoulders heaving violently. Not sorrow, but anger! An extreme, pent-up anger with no outlet.

He thought:

Over these years, I've been calling the shots in Wuzhou—how many people have fawned over me, flattered me, begged me?

Back then, I could decide a project's fate with a casual remark, even a person's future! Countless people used to grovel before me.

Damn it!

Life is just like a roller coaster.

Lin Dongfan, that bastard, as soon as he took office, threw out a combo of punches and knocked me, Zhao Tianyu, into life's low point in just a few moves.

Damn it!

These people are too damn realistic!

Now I'm not really about to die, just hit a snag, but those who used to call me brother are all fleeing faster than rabbits…

Damn!

They're all a bunch of damn bastards!

Zhao Tianyu gritted his teeth and cursed, but anger solves nothing.

Money—I still have to raise it.

Not a cent can be missing.

Zhao Tianyu lifted his head, gazing at the gradually darkening sky outside the car window, and a helpless thought flashed through his mind—mortgage.

No other choice—I can only mortgage my property and cars.

Only this way can I raise funds as quickly as possible.

Zhao Tianyu started the car and headed straight for the Wuzhou branch of the Industrial and Commercial Bank of China.

Manager Xiao of the Wuzhou branch's credit department, an old acquaintance of his, had even begged him last year to shift Zhao Group's business over.

Back then he casually gave him some minor business, making Manager Xiao overjoyed as if he'd found a treasure.

Seven o'clock in the evening.

The bank had already closed.

But Zhao Tianyu made a phone call, and Manager Xiao still rushed over, his face full of smiles: "General Manager, why did you come in person? You could have just called…"

Manager Xiao.

Zhao Tianyu got straight to the point: "I called you here urgently because I want a mortgage loan. I have a courtyard house in Jingcheng valued at 1.2 billion. I want to borrow 100 million—how fast can you release the funds?"

Manager Xiao's smile froze instantly: "This… General Manager, please have a seat, let me pour you some tea."

No tea.

Zhao Tianyu stared fixedly into Manager Xiao's eyes: "Give me a straight answer—can you do this? Interest as per your rules, fees as usual, just make it fast!"

Well…

Manager Xiao rubbed his hands, looking embarrassed: "General Manager, it's not that I don't want to help, but… recently policies have tightened, and the approval for real-estate mortgage loans has become especially strict. Especially for this sector, the head office just issued a document saying recent property price fluctuations are too large, so the loan-to-value ratio must be strictly controlled…"

"How strict is the control?" Zhao Tianyu asked.

"At most… fifty percent…" Manager Xiao's voice was low.

"Fifty percent?!' Zhao Tianyu nearly jumped up: 'My Jingcheng courtyard house worth 1.2 billion can only get a loan of sixty million? You guys are extorting money?!'"

"Don't be angry, General Manager, this is the head office's policy—I can't do anything about it." Manager Xiao gave a bitter smile: "Not only is the loan-to-value ratio low, the approval process is also long—at least a month…"

"One month?!"

Zhao Tianyu flew into a rage: "I need the money tomorrow! If I wait a month, even the yellow flowers will be cold!"

"Well… I can't do anything either…"

Manager Xiao accompanied an embarrassed smile, as if this were truly difficult to handle.

The office was eerily quiet.

After Along while…

Zhao Tianyu took a deep breath, his voice helpless: "What about the properties in Wuzhou? I have three villas in Bi Shui Wan valued at eighty million—how much can I borrow?"

"Well…"

Manager Xiao flipped open a folder and pretended to examine it.

He replied: "The villas in Bi Shui Wan… transaction volume has dropped recently, so the assessed value may need to be lowered. Moreover, for local properties in Wuzhou, the loan-to-value ratio also cannot exceed fifty percent…"

"So, at most forty million?" Zhao Tianyu asked.

Manager Xiao nodded: "Yes."

"Plus the cars? I have five vehicles in the garage worth a total of twenty million." Zhao Tianyu said.

Manager Xiao gave a bitter smile: "Car loans are even stricter—at most thirty percent."

Zhao Tianyu said nothing.

The courtyard house loan would be sixty million, the villas forty million, the cars six million—all together that's only a little over a hundred million.

Adding his thirty million in cash brings the total to 136 million.

The shortfall is still huge.

Zhao Tianyu pondered for a moment, then resignedly compromised: "Just go by what you said earlier—lend whatever you said you could. I have only one demand: the funds must be in my account by noon tomorrow. Help me think of a way."

"General Manager, the approval process really isn't something I can control—at earliest it takes a month to disburse." Manager Xiao again wore a bitter smile.

Zhao Tianyu glared, furious: "You, a senior credit officer, are telling me this?!"

"General Manager, it's not that I don't want to help you, I really have no way to handle this."

"Manager Xiao let out a bitter laugh."

"Again, he weakly advised: 'How about... you think of another way? Going to a local bank for a loan might not be so troublesome...'"

"Thank you!"

"Zhao Tianyu rose angrily and walked out, feeling that even staying another second would be an insult to himself."

"Upon reaching the door, Zhao Tianyu suddenly turned back: 'Manager Xiao, I ask you straight: has someone greeted you, causing you to block my loan?'"

"Hearing this, Manager Xiao's face slightly changed: 'General Manager, you can't say such things recklessly...'"

"'I'm just asking if it's so!' Zhao Tianyu's voice suddenly rose."

"This time, Manager Xiao merely smiled without speaking, offering no further explanation. And to Zhao Tianyu, silence was the answer!"

"Zhao Tianyu laughed, his laugh uglier than crying."

"Now he could figure it out even with his ass: any policy tightening, any strict review—all are damn excuses!"

"The real reason is that Lin Dongfan said hello!"

"The Lin-surname guy is determined to block Zhao Tianyu's path completely, force him into a desperate situation, leave him with no way out, and then obediently hand over the Zhao Group."

'"Lin-surname, you've got guts! If you can't kill me this time, I'll kill you! Sooner or later I'll mess up your whole family! Grass mud horse fucking the Gobi!"'

"Zhao Tianyu walked away swearing, and didn't care whether Manager Xiao would pass the word to Lin Dongfan."

"After Zhao Tianyu left."

"Manager Xiao also closed the door, wiped the cold sweat from his forehead."

"After hesitating a few seconds."

"Manager Xiao finally took out his phone and dialed Lin Dongfan's number."

'"Hello, Mayor Lin,"'

'"It's me, Xiao Ming of ICBC. As you expected, Zhao Tianyu just came to me for a mortgage loan. I have followed your instructions and turned him down…… but he also sensed something, just now he swore and said he would kill you, please be careful…… yes, yes, yes, I understand, I will definitely follow policy…… rest assured, I will not open a private green channel for him……"'

"After hanging up, Xiao Ming let out Along sigh."

'He walked to the window, watching Zhao Tianyu's car drive away from the bank, and couldn't help but say: "Zhao Tianyu, Zhao Tianyu, you could have provoked anyone, but you had to provoke Lin Dongfan with a Jing circle background……"'