Soon, Luofeng’s Lamborghini came to a stop in the open-air parking lot.

Thickly made-up, scantily clad young women started to approach.

Luofeng really wanted to interview them. In the dead of winter. How do they manage in such revealing, low-cut outfits? Plus the mini skirts? Alright, black stockings do offer some warmth. But are they really not cold? Truly, is beauty worth freezing for?

Luofeng got out of the car first, and a Korean-style girl with blonde hair inquired, "Handsome, are you here by yourself to have fun?"

Luofeng had no interest in scanning the girl. With girls like these, you don’t have to look to know their level. Their ’purity’ score is probably already below fifty, right? At least the likes of Yuan Mei and Yang Meng, though they mess around in their offices, are not professionals. But these girls? They’re not just about the office. They’re adversaries to thousands! Taught by Xiang Yu, no doubt? Where do these girls get such courage? From Teacher Liang? Hitting on me? They’d need a perfect score for looks and a clean bill of health for that.

Seeing that Luofeng wasn’t interested in talking, the girls quietly walked away. If Luofeng were alone, they might have continued to flirt, confident that there was a chance. But as soon as Tangya got out of the car, they naturally saw the difference and backed off. Hitting on a man accompanied by a woman was dangerous, after all. Who knew what kind of power this woman wielded? She could make someone disappear from Shanghai before they knew it.

"Auntie, this way," Luofeng called out.

The two walked side by side toward the izakaya.

The establishment was doing well. It was 11 o’clock at night, and there were still customers. However, the dining environment was very private. Each dining space had semi-enclosed private booths. 𝙧𝙚𝙚𝔀𝒆𝓫𝓷𝙤𝓿𝒆𝙡.𝒄𝙤𝓶

Luofeng and Tangya chose one such booth, and a waiter handed them two menus. While perusing, Luofeng began to recommend, "Auntie, their skewers are pretty good. The grill chef isn’t a Sakura National, but I heard they trained in Sakura Country for five years!"

Tangya also started to peruse the menu. She casually ordered some chicken skewers. Luofeng added some seafood skewers. Then he ordered a bottle of sake.

How can you have skewers without booze? As for driving, whether there’s a designated driver or not, I’ll just take a taxi home.

After placing their orders, Tangya pulled out her phone. "Student Luo, I’ve sent you the two proposals. Take a look first, and if there’s anything you don’t understand or disagree with, we can discuss it further."

Luofeng checked the messages Tangya sent. The bank was indeed offering two methods for the loan to Jiamei Construction Company, and there were many related ancillary conditions.

The first proposal offered a six-year term with an interest rate of 2.5 percent. This loan term was fixed: Jia Mei Company could not repay early for the entire six years. Even if they wanted to repay early, the total interest would still be calculated based on the full six-year loan period. Under normal circumstances, a loan’s interest rate for six years hovers around 4.9 percent. Now, offering a rate of 2.5 was almost half off.

This was an exceptionally good rate. Just how good is it? But it also depends on your own situation. If you’re uncertain whether you can repay a portion early within those six years to reduce pressure, then this type of loan is very good. If there’s a huge capital inflow in the second year and you’ve chosen a fixed interest rate, then you can’t make an early repayment. And if project funds are only likely to come in towards the end of the six years, then don’t hesitate; simply opt for the fixed interest. Of course, the first proposal included two options: a fixed interest rate and a variable interest rate.

In the second proposal, the loan term was still six years, but the annual interest rate increased to three percent. However, it permitted Jia Mei Company to repay early, with interest calculated precisely to the day of repayment.

Luofeng silently calculated. Over six years, the total interest paid would likely be around fifteen percent of the principal, especially since you can make installment payments. With a two billion loan, that would be three hundred million in interest. Actually, regardless of which proposal is chosen, there isn’t much difference. The interest is about the same. But you choose whichever plan is more cost-effective depending on your own situation.

"Auntie, which of these proposals do you recommend more?" Luofeng asked.

Tangya replied, "Actually, both are very good. I can assure you that no other bank would offer more favorable terms. However, the choice must be based on your Jia Mei Company’s actual situation. If you want to take on less risk, I recommend the first proposal with the fixed interest rate. With that, you don’t have to worry too much about when to pay it back; the interest remains the same. The other option in the first proposal, the completely flexible 4.9 percent interest, is too high unless you can secure a lot of project funds in the second year or so, but that doesn’t seem likely."

Tangya continued, "As for the second proposal, it can reduce the interest on payments. However, if the funding from the West City development is too slow, then Jiamei’s development will need external financial support!"

The West City Project was an official development plan. Although funds were guaranteed, how many real estate developers have been financially ruined by official delays? So, if payments aren’t timely, Jia Mei Company will face significant pressure.

After Tangya’s analysis, Luofeng didn’t make a decision. Such matters should still be discussed with Luo Lin to see what Dad thinks. After all, Dad is managing the company now, not me.

"Alright, Auntie, I’ve noted it down. Tomorrow, I will discuss these matters with my father and see what he decides," Luofeng said with a light smile, making no promises.

Just then, various Sakura Country-style grilled dishes were served, and Tangya and Luofeng began their late-night meal.

"Care for a drink?" Luofeng opened the sake.

Tangya hesitated for a moment, but she did not refuse.

Luofeng poured a cup of sake for Tangya, then one for himself. They clinked glasses, each drinking about a fifth of their glass. Drinking a fifth shows sincerity. Some girls just take a sip, just to moisten their lips. In the end, the liquor in their cups never seems to diminish.