Chapter 126: Massive Cash

After breakfast, Zhang Yang sent Bei Wei back to the company and then prepared to go to the bank to look into the loan.

Real estate mortgage loans were services offered by all major banks.

However, in his situation, he also needed operating cash flow records. In short, there were quite a lot of conditions, and the upper limit of the loan was nowhere near the amount he had imagined.

Sure enough, after visiting several major banks in succession, the results were the same.

Getting a loan itself was not a problem. He met all the rigid requirements, and the house at COFCO Haijing No. 1 carried extremely high value.

But borrowing over a hundred million was simply impossible. Even borrowing seventy or eighty million would be very difficult.

The reason was simple. Houses worth a few million could be mortgaged at eighty or ninety percent of their value because they were easy to sell and had many potential buyers. But for houses worth over a hundred million, even if the bank ended up taking possession and auctioning them, it would still be difficult to find suitable buyers.

So being able to borrow forty or fifty million was already considered quite good.

Of course, that number was still far from what Zhang Yang had in mind.

“Forget it, then I’ll just sell it.” Zhang Yang did not hesitate and made the decision immediately.

Reluctant? Of course he was reluctant. After all, the former owner Luo Xinyu’s taste had suited him perfectly. The interior decoration was extremely to his liking. And in the house at COFCO Haijing No. 1, he also had some pleasant memories.

Although he had owned the house for only a short time, there was still some attachment.

But thinking about that asset worth over a billion, whose price was clearly below its actual value, once the opportunity was gone, it would not come again.

With that thought, he immediately cast aside all other considerations.

As for selling the house, there was no need to go far. Zhang Yang’s first thought was to look for his old classmate Pei Xiaoru.

That morning, Cornerstone Real Estate, Pudong Branch.

Zhang Yang sat in the office facing Pei Xiaoru and, as casually as possible, explained his request.

“What? You want to sell your house?” Pei Xiaoru could not hide her surprise.

“Yes. I need money,” Zhang Yang said without elaborating.

Pei Xiaoru stared at Zhang Yang. Looking at the slight gloom between his brows, she felt he seemed a little less carefree and relaxed than before, which made her heart skip a beat.

“Zhang Yang, did something happen to your family’s business?”

If someone suddenly had to sell a house and looked like this, Pei Xiaoru could not think of any other possibility besides a financial collapse requiring urgent funds.

“Huh?” Zhang Yang froze, thought for a moment, then nodded casually.

“Yes, something like that.”

“Is it that serious? Serious enough that you have to sell your house?” Pei Xiaoru asked cautiously.

“Yes. About to go bankrupt. The luxury house and luxury car are all things of the past.” Zhang Yang suddenly felt playful and casually made something up, wanting to see Pei Xiaoru’s reaction.

“Looks like this will be the last time I help your sales performance.”

“Huh? No, no.” Pei Xiaoru waved her hands quickly, then seemed to gather her courage. “Actually, I…”

“What do you want to say?” Zhang Yang asked.

“I… never mind. I’ll tell you later.” Pei Xiaoru’s cheeks flushed for some reason, and it was unclear what she was thinking. “Let me register the listing for you first and help you find buyers. By the way, what price are you planning to list it at?”

“Well… 140 million.” Zhang Yang knew the luxury housing market had recently warmed up and prices were rising.

Moreover, penthouses like those at COFCO Haijing No. 1 were always scarce. They were not the kind of listings that appeared everywhere.

Whenever one became available, it was quite rare.

“Alright.” Pei Xiaoru said nothing more and quietly helped Zhang Yang register the property listing.

“Help me promote it as much as possible. The agency fee won’t be lacking,” Zhang Yang added.

“Listen to yourself. What kind of relationship do we have?” Pei Xiaoru said with a light reproach. “By the way, I’ll treat you to lunch. It’s almost noon.”

“I’ll treat you.” Zhang Yang stood up.

“Oh stop being stubborn. You’re already at the point of selling your house,” Pei Xiaoru said, shaking her head.

The two left the office and walked together along the street. Pei Xiaoru cautiously hooked her arm around Zhang Yang’s arm and studied his face.

“You’re really okay, right?” she asked softly.

“What could happen to me?” Zhang Yang touched his face, feeling that he did not look like someone in trouble.

At most, he just had a slight headache about how to gather more than a hundred million.

Had he overacted?

“Zhang Yang, actually I still have some money here. The commissions I earned from you before… there’s still some left. Why don’t I just return it to the original owner?” Pei Xiaoru took a breath and held Zhang Yang’s hand.

“Ah, that’s not necessary.” Zhang Yang quickly declined.

Ding!

Hearing this event, Zhang Yang first felt delighted, but then his face immediately turned red.

“Why not? Too little?” Pei Xiaoru looked up at Zhang Yang.

Zhang Yang sighed softly and pulled Pei Xiaoru into his arms, feeling somewhat guilty.

“Well… earning money isn’t easy for you either. Besides, the gap on my side is too big…” Before Zhang Yang could finish his sentence,

“Even a little more helps,” Pei Xiaoru said without hesitation.

“You’re already selling your house and your car. How much more do you still lack? I still have several hundred thousand on hand. And there’s another sum I transferred to my parents earlier for their house down payment. I’ll ask them to give it back.”

Zhang Yang was completely stunned.

“Aren’t you afraid of losing everything? I might not recover from this.”

“I’m not afraid. It was all earned from you anyway,” Pei Xiaoru said with a smile.

“No, no.” Zhang Yang shook his head, completely suppressing the momentary temptation.

Even though if Pei Xiaoru’s money reached his hands, it would multiply one hundred times, returning tens of millions or even over a hundred million to his account.

But he truly could not bring himself to do such a thing.

“You’re not planning to ask your girlfriend for money, are you? I suggest you don’t,” Pei Xiaoru said hesitantly.

“Why not?” Zhang Yang asked with a smile.

“I’m not trying to stir trouble, but I think you’d better not tell her about something like this first.” Pei Xiaoru spoke softly. “You already bought her a car and a house before. Now if you turn around and ask her for money, what do you think she’ll think?”

In the past, Zhang Yang would definitely have lectured her a few words.

But now, facing a girl who was ready to hand over her savings and even retrieve house down payment money from her parents, he could not say anything else.

“Listen to me. I’ll give you the money. Just take it. When things get better later, you can return it to me.” Pei Xiaoru wrapped her arms around Zhang Yang’s waist. “I believe in you.”

“Why go to such lengths?” Zhang Yang finally asked as he looked at Pei Xiaoru in his arms.

“Because… I like you.” Pei Xiaoru’s eyes were bright as she said it openly. “I won’t say love. Love is too heavy a word. I can’t love you to the point of life and death. I’m helping you simply because I want to do something for you. Zhang Yang, it’s fine. At worst we just start from scratch. Keep going!”

Zhang Yang felt both bittersweet and strangely happy.

At noon, after the two finished eating nearby, Pei Xiaoru transferred the several hundred thousand from her account to Zhang Yang.

“Keep all this. I’ll hurry and find buyers for your house. And wait a bit about the money from my parents. I’ll go ask them.”

“That’s enough, that’s enough. Don’t bring it up with your parents.” Zhang Yang quickly stopped her.

He was afraid that if Pei Xiaoru asked them, her parents would curse him behind his back.

Curse him as a liar, curse Pei Xiaoru for meeting the wrong person.

From the perspective of any parent, if their daughter suddenly wanted to take the money meant for buying a house and lend it to a man, the first reaction would definitely be anger-furious anger-and perhaps even coming to confront him directly.

“It’s fine. Don’t worry about that.” Pei Xiaoru stood on her tiptoes and kissed Zhang Yang, her eyes filled with lingering affection.

In the car on the way back, Zhang Yang sat alone, looking at the fifty million that the system had just returned to his account, and silently cursed himself.

In the end, he was not the type of scumbag who would stop at nothing to achieve his goals.

The new event itself was simple and did not require much explanation.

With a cashback limit of three hundred million, it theoretically required women to spend three million for him.

It was an excellent opportunity to make money, but it also tested his moral bottom line. If he had to personally ask women for money, he truly found it difficult to say the words. It felt contrary to his own image.

But money was hard to earn and bitter to swallow. If such an opportunity fell into someone else’s hands, they would scramble for it.

Suppressing the heat on his face, Zhang Yang took out his phone.

He would not ask Bei Wei first. He still cared about maintaining some image. After all, how could a man who gave away houses and cars ask for tens of thousands?

Even though Bei Wei would definitely transfer money to him without hesitation.

Looking through WeChat, many girls had messaged him, and there were quite a few from whom he could borrow money without feeling burdened.

Zhuang Jiayi, whom he had met during a trip to Rongcheng, the former homeowner Luo Xinyu, his RedNote offline fan Tao Xiaoxiao, Dai Lu whom he had met at a bar, and even a few girls he had met in Yinghai.

“Let’s ask Wang Luyao first, that little troublemaker.” Zhang Yang looked at Wang Luyao, who had messaged him most frequently.

That girl was someone he had met at a bar in Yinghai while visiting his cousin, and he had even had a conflict with her boyfriend. Borrowing money from her gave him no psychological burden at all.

“Are you there?” he sent a message.

Soon, a reply arrived.

“I sent you so many messages and you didn’t reply. Why are you replying today? Are you thinking about a friendly match? Coincidentally, I’m free tonight,” Wang Luyao went straight to the point.

To be honest, having a girl with such a straightforward relationship was quite nice.

Everyone went straight to the point, no nonsense.

“Well… do you have any money? Can you lend me some?” Zhang Yang asked directly.

“Huh? Borrow money from me?” Wang Luyao froze for a moment, then seemed to understand something. “Fine then. Are you trying to make me back off by doing this on purpose? Dream on. Tell me, how much? I’m not afraid.”

Zhang Yang laughed speechlessly. He really had not expected Wang Luyao to interpret it like that.

“One hundred thousand. Do you have it?”

“I don’t have one hundred thousand, but I have fifty thousand. Wait a moment,” Wang Luyao replied.

Soon afterward, fifty thousand was transferred.

In the blink of an eye, the system immediately returned five million.

Zhang Yang blinked, feeling the exhilarating sensation of obtaining money so effortlessly, and he truly found it quite satisfying.

What face, what pride-seriously. Borrow from one after another; it’s not like he wouldn’t pay it back.

Starting with Zhuang Jiayi, Zhang Yang thickened his skin and began borrowing money. When he asked, he did not bother explaining anything. He simply asked directly.

“Is it convenient for you right now? Can you lend me some money?”

“Yes. How much do you need?” Zhuang Jiayi did not even ask what it was for and agreed readily.

“The more the better.” Zhang Yang did not waste words.

“I can lend you thirty thousand. I was originally planning to go to Hong Kong this summer for a trip, but forget it, I’ll go another time.” Zhuang Jiayi said.

Moments later, thirty thousand was transferred, and the system returned three million.

Repeating the process, Zhang Yang borrowed money from several more girls in succession. There were no obstacles at all. Everything went so smoothly that he even began to doubt his own charm.

“Am I really that trustworthy?” he muttered to himself.

In the blink of an eye, the system cashback he had received had already exceeded seventy million.

“And there’s this rich lady.” Zhang Yang’s finger paused on Luo Xinyu’s profile picture, hesitating slightly.

He was only pretending to be bankrupt, but Luo Xinyu had genuinely been selling her house to help her family through difficulties. Was it appropriate to borrow money from her?

“Well… if it’s convenient for you, could you lend me some money to help with a short-term cash flow issue?” Zhang Yang sent Luo Xinyu a message with a flushed face. Considering the time difference, he did not even know if it was convenient for her.

“What? You also have times when you’re short of money?” Luo Xinyu immediately started a video call.

“I just need to move some funds temporarily. Just tell me if you have it or not.” Zhang Yang glanced at the screen, seeing Luo Xinyu wearing a camisole with her fair shoulders exposed, and spoke casually.

“If someone else asked, I wouldn’t lend it. But if you ask, even if I don’t have it, I’d find a way to get some.” Luo Xinyu chuckled softly. “Send me your account number. I won’t ask how much you need. Right now I can transfer at most 1.5 million. You know my situation-I’m not very well off at the moment. If it were before, lending you five or six million wouldn’t have been a problem.”

“Thanks. I’ll return it very soon.” Zhang Yang was instantly overjoyed.

Once Luo Xinyu transferred the 1.5 million, it would mean 150 million credited to his account.

Adding the seventy million from earlier and the several tens of millions he already had, the total cash he held would instantly exceed 200 million.

The industry exchange was secured.

“No rush. If I need money, I’ll come ask you myself. Alright, bye… I’ll go transfer the money.” Luo Xinyu ended the call decisively.

Zhang Yang put down his phone, feeling extremely reassured.

The money was enough now, but thinking about the cashback cap of three hundred million, he had always felt that the cash flow on him did not quite match the identity of a wealthy man. Now that he finally had such a rare opportunity to accumulate cash flow, it would be a waste not to make full use of the quota.

So Zhang Yang’s reach inevitably extended to the people around him.

He did not contact Bei Wei, but instead messaged Bei Jiajia first.

“Bei Jiajia, are you there?”

“Yes, yes. Brother-in-law, do you need something?” Bei Jiajia quickly replied.