Rebirth of the Almighty Internet Celebrity
Chapter 109 Debt Repayment and Way Out
Chapter 109 Debt Repayment and Way Out
"That's not bad. Anyone who can get involved in real estate investment is not a simple person."
Wu Xia first praised Liang Teng.Then he said: "Let me make a guess first, according to Mr. Liang's usual daring style, you will definitely not choose to invest in real estate in this city. It is very likely that you will directly invest in real estate in first-tier cities. Right? "
"It's not that I don't want to invest in real estate in this city. This is my hometown. Although it is only a third-tier city, I am optimistic about its real estate industry. It will also enter a period of 'blowout' development in the next ten years."
Facing Wu Xia, Liang Teng was uncommonly humble: "It's just that, you see, I'm already actively preparing for the acquisition of 'Liwu Village Primary School'. This can be regarded as a meaningful investment... Except for this real estate project, I I still have some spare money, and plan to look for opportunities in first-tier cities. After all, the real estate industry in first-tier cities has better potential.”
Wu Xia said: "The four first-tier cities are recognized domestically, the imperial capital, the magical capital, the commercial capital, and the open capital. Now there are differences in housing prices between the first-tier cities, but the difference is not big. The basic average price is between seven and eight thousand per It’s about the size of a square meter.”
"It's probably at this price." Liang Teng said: "So at this moment, no matter which first-tier city I buy real estate, the cost I need to pay is actually about the same. But in the next ten years, I estimate that the real estate in these four first-tier cities will Prices will spread out. It won't be as 'average' as it is now."
"Did Mr. Liang come to test me again?"
Wu Xia smiled and said: "Now the company is in a period of rapid development of money. It is impossible to attack everywhere at the same time! If you really want to choose an investment city among the four first-tier cities, I guess Director Liang will eventually choose 'Open Capital' '."
"Oh, why do you know?" Liang Teng asked calmly.
"Because all the policies of the 'Open City' are at the forefront, because it has the lowest barriers to entry. From the perspective of the future, it has the greatest development potential...so its real estate prices will definitely increase the most in the future. "
Wu Xia expressed her personal judgment with certainty: "According to your usual foresight, Director Liang, you must have seen this earlier than anyone else. So after careful consideration, you must choose to invest in the 'Open City'."
Liang Teng was a little embarrassed when he heard this.
How can I be as "foresighted" as she said?
Among the four major cities, the "Emperor Capital" and "Magic Capital" were first "crossed out". The most straightforward reason was that the two major cities were too far away from his homeland.
There are too many things at home that hinder him, preventing him from going far away.
As for the two first-tier cities "Commercial Capital" and "Open City" south of the Yangtze River, Liang Teng has not yet decided which city to invest in.
Of course, Liang Teng would not reveal that he did not choose to go to the north because of such "shabby" reasons.
After all, Liang Teng is familiar with "the general trend of the world in the future", so it is not easy to find a suitable reason?
Liang Teng looked confident and pointed to Jiang Shan: "You can judge the housing price growth rate of the four major first-tier cities in the next ten years purely from the potential of the city. This is not entirely accurate. Because there are many factors that determine housing prices. I judge: Ten years later, the housing prices of the 'future capital' may not be far behind other first-tier cities!"
"Why do I judge like this?"
"First of all, Imperial City has an extremely powerful booster for housing prices. That is, the Olympic Games will be held in this city in a few years. With the help of the golden signboard of the Olympics, the housing prices of Imperial Capital will continue to skyrocket, and the increase will even exceed that of other cities in the short term. .This limelight will continue until a few years after the end of the Olympic Games, and then enter a period of stable housing prices..."
"Therefore, for short-term real estate investment, Imperial Capital is the first choice. Unfortunately, our goal is not to make money in the real estate industry in the short term, but then withdraw quickly, so Imperial Capital is not our best choice."
"Secondly, let's take a look at Shanghai. Because the "reform and opening up" in southern cities was earlier, a good atmosphere and environment for foreign trade have been formed. The boss who is committed to foreign trade business, of course, first chooses to start a business in a southern city. This leads to the Without the first-mover advantage of reform and opening up..."
"That's why the devils want to develop, so they can only find another way, and can only turn their attention to the high-tech field. The differentiated competition among cities has created the leading position of the devil in the high-tech field."
"If I want to invest in the 'IT industry' right now, I will naturally choose Shanghai. However, as discussed before, at least for three or four years, I will not get involved in the high-tech field. It is not so urgent for me to invest in real estate in Shanghai. .”
"As for the 'Commercial Capital' and 'Open Capital' in the south, I didn't really think about which of these two cities to invest in, which is more in line with my actual situation... If the housing price increase in the next ten years is used as the selection criterion , of course you can choose 'Open City' without hesitation."
"But you know, I have only been involved in business for a few years, and I basically have no connections at all. Now I finally met Qi Dahai, whose headquarters of the 'Vientiane Network' is located in the 'Shangdu'. His connections in the 'Shangdu' must be It’s very broad. If you choose an investor city, you can ask Lao Qi for help if you have something to do; when you come to the ‘open capital’, there are really no connections at all.”
"To get involved in a giant like 'real estate', it's not like being a self-employed small business owner. There are so many complicated things involved, it's hard to describe in one word."
What Liang Teng said was not a lie.
According to his understanding of housing prices in first-tier cities ten years later, the housing prices in the three cities of "Emperor Capital", "Magic City" and "Open Capital" can still "go hand in hand", and the gap is not too big. within range.
However, the housing prices of the "Shangdu" are far behind the other three metropolises.
The reason is probably also due to the rapid popularization of the Internet in later generations, and online shopping has caused an almost devastating impact on the real economy (especially physical stores).
The foundation of the "business capital" is to gain advantages through "foreign trade".Once online shopping becomes popular, many brick-and-mortar stores and individuals can choose to get goods directly from manufacturers online. Why go to the "business capital" to participate in various trade fairs and look for business opportunities?
Doesn't it mean that the large-scale trade fair in the "business capital" cannot go on?It's that the "dependence" of merchants on it is not so strong.
Gradually, the importance of "trade fairs" became less prominent.
Wu Xia highly recognized Liang Teng's analysis.
However, Wu Xia made a promise and said: "If it's just because of the 'connection', I would still choose the 'Open City' to invest in the construction of Director Liang. Even if my family's connections can't be counted on, there is still Hua Yishan. She There are still some contacts in the family. When our company invests in the real estate of the 'Open Capital', we can find her when we encounter problems. As long as it is not against laws and regulations, it is very useful for her to help out."
Wu Xia didn't elaborate on why she couldn't count on her connections?
Especially one thing that I can't disclose: Wu Xia now highly suspects that Qi Dahai has become one of her father's eyeliners.Maybe, as soon as she came forward to help Liang Teng buy real estate in the "Shangdu", her father would get the news immediately.
What will happen after knowing?According to Wu Zhenting's temper, there is a high probability that he will come forward and play "guiding chess" for her - what should you do!not how...
Young people yearn for freedom the most, especially talents like Wu Xia who come from a big family. They hope to get rid of the influence of their family on them through their own efforts, so as to prove their abilities.
If in the process of helping the company invest in real estate, the father kept dictating behind the scenes, regardless of the final investment success or failure?It's all annoying and annoying.
Qi Dahai became suspicious, and after suspecting that he had become his father's eyeliner, Wu Xia no longer planned to use Qi Dahai's connections.
Even if she is still in her father's "blockade" period, Wu Zhenting's or her own connections are almost useless.Qi Dahai is one of the few contacts that can be used, and Wu Xia still doesn't plan to ask him to help.
After all, Wu Xia's character is just like her father's, both are stubborn.
It's hard for Wu Xia to explain the above-mentioned tortuous thoughts to Liang Teng in too much detail, or even tell him.
It can only be summed up in general as "her family's connections can't be counted on".
Fortunately, Liang Teng was also very understanding and sophisticated, so he didn't bother to break the casserole and ask the bottom line.
Hearing Wu Xia's assurance that Hua Yishan would still be able to help him after he chose to invest in the "Open Capital", Liang Teng made up his mind.
"That's good. We've decided, let's invest in real estate in the 'Open City'."
After Liang Teng made a decision, he looked at Wu Xia again and asked, "Mr. Wu, do you have any good suggestions for real estate investment in the 'Open City'?"
"Of course I have some ideas. I can give Liang Dong a reference."
Wu Xia said: "But before that, I want to calculate how much capital Director Liang can really use? First of all, I need to be sure. Did Director Liang decide to invest all of the 1800 million yuan he got last night in real estate?"
Liang Teng really wanted to say that he planned to set aside one or two million yuan as an emergency fund.
But looking at Wu Xia's expression, although he used a questioning sentence, but his tone and expression, he has long believed that he will invest all 1800 million in real estate investment in the "open capital".
It's not a lot of money after all.For investment in real estate industry.
In addition, Wu Xia estimated that Liang Teng's entertainment company still had a lot of living money, and there was no need to intercept part of the 1800 million as "emergency funds."
But Liang Teng really wanted to keep 200 million from it.
All the funds needed for the operation of his company are spent on "system" money.He aimed at "loss" and dared to spend money hard.
But there are also some special expenses, no matter how hard you try, they are not related to "entrepreneurship" and cannot be reported to the "system".Therefore, I really want to keep my own 200 million "living money" to meet unexpected needs.
But looking at Wu Xia's appearance that he believed that he had "already left enough emergency funds", Liang Teng found it difficult to speak.
Sometimes, Liang Teng actually wanted to save face.Who is willing to reveal the truth about their own poverty?
Think again, investing in Open City requires using your own money.The next investment is not aimed at "loss". It must be done with caution and with all your strength.The original investment of 1800 million in real estate could not create much trouble, but withdrawing part of the funds made it even more difficult.
Then we won’t “withhold” funds from the 1800 million.
Thinking of this, Liang Teng sighed: "Use all of it to invest in the real estate of the 'Open Capital'. First use 1600 million yuan for investment, and 200 million yuan as an investment emergency fund. These funds are earmarked for real estate investment. The company's other businesses , shall not occupy this earmarked fund.”
Emphasizing this point is also to prevent my own money invested in real estate from being mixed with the "system" venture capital.In order to prevent him from being sentenced to "violating the regulations for using the venture capital" at the time of settlement.It is unfair to be punished in vain.
The "startup fund" from the "system" cannot be mixed in (although the "system" has always emphasized that the "startup fund" cannot be used for real estate investment, Liang Teng is still highly wary of it).
In short, it is in Liang Teng's best interest to defuse the danger in its infancy.
Liang Teng even thought that before officially investing in the "Open City", he would use 1800 million as "registered capital" to re-establish a company specializing in real estate investment.In the future, all investments in real estate will be made in the name of this company.
This company is equivalent to his own small treasury.
All the wealth accumulated in the future will be stored here.
Wealth has accumulated to a considerable extent, and we use the money from the "small treasury" to invest in any project that can "make money" with a high probability.
Notice!Only invest in projects with minimal risk and stable profits.
As for some projects that are destined to "lose", especially those projects with small losses and large losses, the "systematic" "startup funds" should be used to invest.
In this way, the public and private accounts are distinct, and there is no need to worry about the two types of investment, and the capital of the two "settlement methods" will be confused.
right!Just do it!
When Liang Teng was thinking carefully about how to use his 1800 million capital, he suddenly thought of a fact that he had ignored.
In the past, I used to spend the "system" money recklessly. In fact, the real wealth that belongs to me is only a mere 5 yuan.It is pitifully small.
What can more than 5 yuan do?
At most, he could deal with the meal expenses that the "system" would not reimburse, but Liang Teng had to pay for.No other great use.
I got 1800 million in the account last night.Liang Teng suddenly felt the taste of "getting rich", and couldn't recover for a while.
It wasn't until this moment that I suddenly thought: In fact, during the three years when I started my business in college, I owed more than 20 to nearly 30 in debt one after another.
These debts, the "system" thinks that it was previously generated by the "host".Therefore, it is impossible to use the "system" "startup fund" to repay the nearly 30 debts.
Liang Teng personally has only 5 yuan of money at his disposal, which is not enough to pay off the debt at all.
The debt of nearly 30 yuan was in arrears until last night, and Liang Teng couldn't solve it.
It's only now that he thinks about this debt, he is fully capable of repaying it all at once.
Liang Teng planned to draw 200 from the 30 million set aside for real estate investment to pay off the debt.
After paying off the debts that have weighed on him for more than three years, he can relax.
In particular, according to the tragic reality of later generations, the 30 is not just a simple debt, it is a huge debt for ordinary people, and it is simply a "death talisman" for the Liang family.
Liang Teng should also be blamed for hiding the truth from his father, Mr. Liang, in order not to worry his family: he was actually in debt to run the "Xiaoliang Food" video.
As a result, when Liang Teng couldn't bear it any longer, a large number of debtors came to collect debts, and Teacher Liang was shocked to realize that his precious only son had owed a huge debt of nearly 30%.
The huge blow hit Mr. Liang who was already a bit depressed.
There were various latent diseases in the body, and they broke out all at once.As a result, my father was hospitalized due to a sudden illness.
Teacher Liang lived frugally all his life and saved more than 10 in cash.It is ready to be used by the son to marry his wife.
After his son's huge "debt crisis" broke out, Mr. Liang once considered using it to repay part of the urgent money creditors for his son.
As a result, Mr. Liang fell ill and was sent to the hospital before he had decided who should be returned first.
Those savings are naturally used first to treat illnesses and save lives.
In the end, the money ran out, and even Liang Teng's mother owed more debts to relatives to save his wife, but Teacher Liang still couldn't save him.
Since being taken to the hospital by an ambulance, he has never left the intensive care unit.Not off the ventilator.
Liang Teng and his mother didn't have time to say anything to Teacher Liang.
Liang Teng recalled that the last conversation he had with his father before his "brain hemorrhage" broke out was still discussing how to repay the nearly 30 debt he owed.
In his previous life, Liang Teng had dreamed of a loving father countless times in his dreams.
I dreamed of what my father said to him at the end: "Fortunately, you are still young. You are only in your early twenties. What is the hurry? It will take a few years to pay off the debts, and then it will not be too late to ask for a wife. The 13 from Dad can be paid first. Take it and pay it back..."
The tragic scene before rebirth has been with Liang Teng for the rest of his life, and it has never faded because of the passage of time.
Later, Liang Teng became as frugal as his late father.
Even after paying off the 30 debts, the stinginess remains the same.It was the profound influence of his father.
At the beginning of his rebirth, what Liang Teng was most excited about was not having a golden finger like the "system", but that he finally had the opportunity to change his father's tragic fate.
Whether he resolutely decided to build a villa in his hometown, or persuaded the "system" to give him a "temporary start-up fund" for three months so that he could acquire the plot of "Liwu Village Primary School", these series of actions seem to be It is for shooting "house building videos", for the company to build office space, and to seek long-term development.
The reason for the explanation cannot be wrong, but it has been buried deep in Liang Teng's heart. The main reason is still to "save" his father.
In order to "save" a loving father who was still worrying about his son's debts before the sudden illness.
Money is something outside of the body, and it can be earned slowly.Debts can be paid off slowly.
Only the kindness of parents cannot be let down.
If you miss an opportunity to repay your parents' kindness, you may have to regret it for the rest of your life.
Now that he was reborn and had the ability to repay the 30 debt in such a short period of time, why wait any longer?
I was too excited last night, no, my mind was "short-circuited", and I didn't expect to pay off the 30 debt first.
Thinking of this, Liang Teng felt that he couldn't wait for a minute.
"I'm sorry. I thought of something very important just now. I was a little distracted." Liang Teng explained to Wu Xia apologetically.
He didn't say anything, but Wu Xia could tell.
Liang Teng suddenly fell into deep thought, Zheng Zheng was in a daze, with a faint sadness on his face.Even before he ate happily, he drank a bowl of "fish fillet and crab porridge" in one go, and stopped after eating a small spoonful of the second bowl.
From all the signs, the fool can see that he has something on his mind.
Wu Xia nodded to express his understanding, and wanted to say something to comfort him.
But Liang Teng said solemnly: "However, please continue to forgive me. I am in a hurry to repay the debts of some relatives and friends. It will take some more time."
Oh, it turned out that Director Liang had some spare cash, thinking that he hadn't paid back the money he borrowed from others, he was a little "hard to eat".
Director Liang is really a gentleman of integrity!In today's world, very few people will "know how to eat" because of debts.Most of them are "laolai" who have borrowed money and regard themselves as grandpas and those who lent him money as grandsons!
Wu Xia respected Liang Teng and said, "Don't get in the way, Mr. Liang! Did you get any news that something happened to your former creditors, and you are in a hurry to use the money? If necessary, I can take the car now." You go to the land and pay back the money to others... As for this table of seafood porridge, don't be afraid of wasting it, we can learn from Principal Li and pack it up."
Speaking of the last sentence, he deliberately winked at Liang Teng.Try to unravel the depression in Liang Teng's heart.
Liang Teng knew that she had misunderstood, but he was also touched by how much she cared about him.
"I'm not full for breakfast. You go on eating first, and I don't need to leave the porridge shop."
Liang Teng said: "It's not what you think. There is no creditor who is in a hurry to use the money. I have a total of 27 creditors, all of whom are relatives with very good relationships. If they are not relatives, it is generally difficult to lend you money. I have all creditors on hand. Those who have the WeChat account of these 27 creditors can directly transfer the money to them through WeChat. I will stay here and I don’t need to go anywhere.”
When he mentioned the words "relatives with a very good relationship", Liang Teng felt a little sad.
Although they once came together to collect debts, it became the direct cause of his father's sudden illness.But Liang Teng also knew that they didn't do it on purpose. Who would have expected that Teacher Liang wouldn't be able to bear such a small amount of debt?
No!It should be said, who knew that Liang Teng had been hiding all the debts from his father?
Another one, everyone thought that Liang Teng only borrowed money from three or five relatives and friends, and there were not many people who borrowed tens of thousands of yuan each.Unexpectedly, he actually borrowed more than [-] people.Doesn't the debt count as a general ledger become a huge debt?
In short, everything was wrong, and no one had an accurate assessment of the seriousness of the outcome in advance.
As a result, Teacher Liang's tragedy happened.
Afterwards, relatives and friends also felt guilty, and did not pursue Liang Teng to repay the debt.
Let him have a buffer time, both psychologically and financially.
Liang Teng gave up shooting food videos, which had been losing money but saw no profit, and found a stable job instead.
It took a few years to gradually pay off the debt.
Suffering made Liang Teng grow up.After he paid off his debts, he didn't particularly resent his relatives and friends coming to collect debts.
These relatives and friends were nothing more than an unintentional mistake.Before Liang Teng asked more than 27 people to borrow money.When he was impoverished but refused to give up his dream of shooting videos, he asked for help from no fewer than three figures, but only 27 of them were willing to lend him money.They were indeed "benevolent" to him.
If they didn't think that Liang Teng's filming of the food video was a complete waste of time, they might not have staged the scene of door-to-door pursuit.
These 27 people never even asked Liang Tengli for an IOU.What else can you complain about them?
This is often the case among relatives with good relations in rural areas, relying on a kind of blood connection and integrity to manage debts.
Even if there is no IOU, Liang Teng has never thought of being a "laolai" from the beginning to the end, and never repaying the debt.
The 27 debtors never thought that Liang Teng's family would renege on their debts.It's just that Liang Teng's repayment ability was questioned at that time, and he wanted to ask Mr. Liang, who was more financially capable, to "guarantee" the repayment.
that is it.
If Liang Teng had any major grievances against those 27 relatives, he really didn't.
It's just that after Mr. Liang's incident, everyone was embarrassed to meet each other.Contacts are naturally reduced.
Liang Teng picked up his mobile phone and found out his "Contacts", and the 27 "creditors" were all "impressively visible", and there were not many of them.
Because the tragedy of his father in his previous life had stimulated him so much, Liang Teng could tell exactly how much each of the 27 creditors had lent him without having to go through the ledger.
I was dazed for a moment.
Liang Teng was actually not that serious about "sentimentality". He was silently calculating three years in his mind. What is the bank's "fixed interest rate"?What time is it like 5 o'clock?
never mind!Just calculate the interest for them at a fixed rate of [-]%.
Nearly 30 debts, with an annual fixed interest rate of 1.8%, and an annual interest of about 5.After three years, the total amount of interest is about [-] yuan.
This little money is nothing to Liang Teng who now holds tens of millions.
Although none of the 27 debtors asked for interest.But Liang Teng felt that he had the ability to calculate some interest, so he didn't need to be too stingy.
Wu Xia drank the porridge slowly, paying attention to Liang Teng's thoughtful expression, and secretly thought: "Did Liang Teng owe others a lot of money? I guess it should be tens of thousands. Look at him pressing the calculator on the phone, as if Calculate interest or something. Does he have to pay back tens of millions of debts plus interest? Then does he still have money to invest in real estate in the "Open Capital"?"
It feels like a beautiful company investing in a great business, but suddenly cast a shadow.
Wu Xia asked cautiously: "Director Liang, do you want to calculate a lot of arrears and interest?"
Without raising his head, Liang Teng replied truthfully: "It's a bit much. There are 27 debts in total. The principal and interest need to be calculated one by one. The creditors will be paid back as much as they need to pay later."
Wu Xia was even more worried.
After a pause, he lowered his face and asked the truth: "Then how much is owed in total? Is it the 1800 million invested in real estate, which should be used to pay off these 27 debts first?"
"Ah, what's the use of it?"
Only then did Liang Teng raise his head in astonishment, glanced at Wu Xia, and said, "According to the statistics of debts and interest, the total is about 35."
ah?Why only 35?
Wu Xia was a little confused.
Stretching his neck to look at Liang Teng's cell phone, it was indeed a statistic of 35.
Later, Liang Teng began to repay the loans from relatives and friends one by one from memory.
All are based on the principal, plus a three-year bank fixed annual interest of [-]%.
After all, Wu Xia was a financial professional, so he quickly saw what interest rate Liang Teng was paying back the money.
Wu Xia's understanding of Liang Teng deepened.
In her former circle of rich friends, when borrowing money and repaying money, either no interest is charged, and if interest is paid, it must be paid on a monthly basis.Sometimes borrowing 30, and repaying 60 when repaying, it is not surprising that it doubles.
Although Liang Teng owes little debt, he insists on calculating the interest to his relatives and friends according to the legal and reasonable bank fixed interest rate, and does not recklessly charge the big money just because he has a lot of money.Wu Xia appreciates this style very much.I think this is what successful people should do.
At this point, Wu Xia felt at ease.I feel that no matter what, Liang Teng will not be able to invest in the most profitable real estate industry in the next ten years because of a mere debt.
It took Liang Teng about a quarter of an hour to calculate all the 27 loans from relatives and friends with interest, and transfer them to the other party through WeChat.
After finishing, Liang Teng "sent" a text message to these 27 people, which was a simple reminder of a few words: "Thank you for borrowing money for emergency. Now calculate the principal and interest according to the bank's fixed interest rate, and repay them together. Please check." Thank you for your help in the past.”
After repaying 27 debts, Liang Teng felt an unprecedented sense of relief.
At this point, something like a "time bomb" suspended above his father, Mr. Liang, finally successfully dismantled the "fuze".
Regardless of whether these relatives and friends will bring up the 30 debt in front of Mr. Liang in the future, Liang Teng is not worried that it will irritate his father.
Even if the older generation talked about it in casual chat, it would only be regarded as an elegant thing.Or Boss Liang's inspirational entrepreneurial story.
Even in the difficult situation of raising debts, Boss Liang still insisted on shooting a loss-making "food video", and the 27 creditors also "supported him firmly as always", believing that Boss Liang will eventually get out of the temporary trough.
The results of it?As a result, Boss Liang really became popular with the video of "Xiaoliang Food".Made a lot of money.Successfully joined the ranks of the rich ... and so on.
Isn't this an elegant business?What is an elegant thing?
Liang Teng was "prepared for danger in times of peace", and decided to set aside more than 200 million yuan in the account as "real estate investment emergency fund", deduct about 35 yuan for debt repayment, and put the remaining 160 million yuan first, not for investment purposes.
After all, my father is chronically ill. It doesn't look fatal now, but after all, he has to save some money for the two elders "just in case".
After the calculation was completed, Liang Teng said to Wu Xia: "You asked me before, about how much money can be used to invest in real estate? Let's invest 1600 million yuan. Please help me calculate it. Both', approximately how much real estate can be invested?"
"Based on what I know about you, Director Liang, you must be unwilling to take a steady investment path."
Wu Xia said with a smile: "Generally, when the capital is not too abundant, most investors will choose to use 'currency leverage', and it is estimated that Director Liang is no exception."
Liang Teng nodded.
In fact, he probably has an idea in his mind. If he does not use "monetary leverage", 1600 million yuan will not invest much in real estate in the "open capital".
Wu Xia began to settle accounts for him.
"Currently, the average price of housing prices in the 'Open Capital' is around 7000 per square meter. Taking investment in commercial housing as an example, the average area of each unit is 100 square meters. If you buy a house with full payment, you need to invest about 70 per unit."
"With a capital of 1600 million, if you buy the house in full, you can get a total of 22 suites. If you buy a large number, you can negotiate the price with the developer and strive for a larger discount on the house price. Then even if the deed tax is deducted, you can barely Can win 23 suites."
There are 23 suites in full.
Now each apartment is 70 yuan. Ten years later, at least the house price will increase by ten times, that is, more than 7 yuan per square meter. Such a suite will cost 700 million yuan in ten years.
There are 23 sets in total, and each set is about 700 million, so the total is 1.6 million.
This number is similar to Liang Teng's own calculation.
Seeing that "the small goal of earning [-] million yuan" can be accomplished so easily, Liang Teng is not satisfied at all.
If there is no comparison, then there is no harm.
In his previous life, Liang Teng had an acquaintance named "Jia Shengping". After moving to Shanghai, he and his husband mortgaged 70 houses in Shanghai with a capital of 10 yuan.As a result, it took about 17 or 18 years, and finally locked in the worth of owning 8 suites and fixed assets of over [-] million.
According to Wu Xia's analysis of the "full payment" way of buying houses, he won 23 sets of houses in the "Open Capital". After ten years, it is estimated that he will only have about 1.6 million fixed assets.
投资1600万，比贾升平两夫妻的70万投资多好多倍；最后拿到的房子23套，也比贾升平夫妻的8套多了两倍……为何最终双方的固定资产对比是：1.6亿对1亿。
It doesn't feel like they made much more money than Jia Shengping and his wife.How many times did the investment increase?
The ratio of input to output is seriously inconsistent.
Of course, that is the special case of Jia Shengping and his wife to calculate the income.There is a psychological gap.
Wu Xia felt that if he doubled his investment of 1600 million yuan in ten years, he would earn a total of 1.4 million yuan.It is equivalent to ten years, earning an average of more than 1400 million per year.
The principal is only 1600 million, and the principal is earned every year.
One profit ah.
No wonder it is said that real estate is a super profitable industry.
At least that was the case during the golden age of real estate!
Not satisfied yet?
In fact, Liang Teng did it intentionally or unintentionally, ignoring the huge difference between Jia Shengping's investment in "Magic City" real estate and his investment in "Open Capital" real estate.
First of all, when Jia Shengping invested in Magic City, he entered the industry earlier, several years earlier than Liang Teng does now.At that time, the average house price in the Magic City was less than 3000 yuan per square meter.Even if it is 7000 square meters, it is still more than half cheaper than the "open city" house price that Liang Teng has invested in now, which has risen to about [-] per square meter.
The sooner you invest, of course, you can make greater profits at a lower cost.
Secondly, Jia Shengping's two parents-in-law got 10 houses with mortgages.In other words, people have always had to repay the house on a monthly basis.It took a full 18 years to pay back, and how many 70 have been paid for the real money paid over so many years!
Besides, with the pressure of repaying the loan all the time, the quality of life is really bad.
Jia Shengping's parents-in-law are like two lonely ghosts, and they must receive long-term support from their retired parents in order to barely support the terrifying real estate.
The taste is not to mention how bitter it is.Even the two parties were "unbearable to look back".
Not to mention anything else, they didn't dare to have children at first, but later they couldn't even want to have children - just based on this, it can be called a great hardship in life.
Finally, it took Jia Shengping and his wife 18 years of hard work to own over [-] million yuan in fixed assets.
And if Liang Teng invests in real estate in the "open capital", it is estimated that it will take no more than 10 years to own "1.6 million fixed assets".
No matter how fast housing prices grow, it may take less than 10 years, and maybe 8 years to complete the expected task.
It's easy, and you don't have to think about the loan repayment pressure in the next few years.When the time comes, there will be money.
And once the "plan house" becomes an existing house, Liang Teng can also increase the fixed rent income every month.
After two or three years at the latest, the house should be handed over and rented out to collect money. In the next ten years, seven years' rent can be collected.There are a total of 23 suites, and the rent for these seven years is also an extremely considerable income.
So ten years later, this investment will eventually reap more than 1.6 million yuan.Maybe it can break through 2 million.
Why did Liang Teng disapprove of such a promising profit and such a stable investment, as if he was very dissatisfied?
Wu Xia's reaction to him had her own interpretation.
She said with a smile: "Of course, compared to buying a house in the 'Open City' with full money, you can earn more after ten years if you buy it with a mortgage."
She began to calculate another account.
If you buy multiple houses at one time, it is estimated that the local bank will not provide you with a 1% "down payment" mortgage.
The "down payment" for each suite must be at least 3%.
If you pay 3% of the "down payment" for each house, and buy a house with a mortgage, the average price of the house price is still 7000 per square meter, and the number of houses purchased with the mortgage can triple the number of "full payment", about 70 houses about.
If the house price is ten times higher in ten years, then the market value of each suite is 700 million. If all 70 houses belong to you, then your fixed capital can reach almost 5 million yuan.
If the fixed capital of 5 million yuan is included in the rental income of the 70 houses for several years after delivery, the capital owned by individuals may exceed the 6 million mark in ten years.
This net worth is far stronger than that of over [-] million.
However, everything must not only see the bright side.
If the plan to buy a house with a mortgage is put into action, then in the next ten years, it will have to bear the "mortgage" pressure of 70 houses.
It's like a huge pressure like "overwhelming mountains and seas".
Even if each apartment has a 30-year long-term housing purchase, each apartment needs to pay about 5 yuan per year to "repay the principal and interest".The monthly repayment amount for each suite is about 4000.
4000 yuan, multiplied by 70 mortgage houses, that is, 28 mortgages need to be repaid every month.
Repay 28 a month, and more than 300 million a year.
If the "system" money used by Liang Teng must lose at least hundreds of thousands every month, the monthly fixed expenditure of 28 will be a boon to him.
However, it is a pity that the "system" has always disapproved of investing in the "real estate" industry.It is impossible for Liang Teng to invest with the "systematic" venture capital.
It is very difficult for Liang Teng to invest with his own money, spending 28 yuan a month.very difficult.It is extremely difficult.extremely difficult...
He also made a windfall of 1800 million at once.
Not every month there is a large fixed income.
Using the tricks used by Jia Shengping and his wife, will the situation be better?
That is to say, after a few years of support, after the housing prices in the "open capital" have increased significantly, sell some of the houses to reduce the mortgage burden.
However, that was after all a few years later.
According to Liang Teng's current actual income, there are doubts about whether he can survive for a few months.Not to mention holding on for a few years, and then selling some real estate to reduce the burden after the housing price rises sharply.
Therefore, if you consider it comprehensively, it is actually not the best choice to speculate on as many as 70 houses with a [-]% down payment.
At least for Liang Teng's situation, that wasn't the best choice.
Liang Teng obviously considered this aspect last night.Feel too adventurous.
The main reason is that the monthly mortgage loan is nearly 30, which is too much to bear.
That's why Liang Teng woke up early in the morning, dragging Wu Xia to come to discuss the specifics of how to speculate in real estate in the "open capital".
Wu Xia is also worthy of being a child of a wealthy family. She is well-informed, and without Liang Teng pointing it out, she can directly see through the risks of 70 properties being mortgaged.
However, Wu Xia somewhat overestimated the ability of "Director Liang" to resist risks.
In her opinion, using 1600 million yuan to mortgage to purchase 70 sets of "open capital" houses is the most ideal investment method for Director Liang at present.
Why do you say that?
Because in Wu Xia's understanding: the company that filmed the videos of "Xiaoliang Food" and "Xiaoliang Building a House", and the company that is planning to acquire the former site of "Liwu Village Primary School", and is preparing to enter the "open capital" Companies in the real estate industry...they are all the same company owned by Mr. Liang.
In other words, the company founded by Mr. Liang is running so many businesses that it can survive, so why does it care about adding a "mortgage loan" expense?
In terms of funds, there may be pressure, but if you want to turn around, you can still make it happen.
(End of this chapter)
"That's not bad. Anyone who can get involved in real estate investment is not a simple person."
Wu Xia first praised Liang Teng.Then he said: "Let me make a guess first, according to Mr. Liang's usual daring style, you will definitely not choose to invest in real estate in this city. It is very likely that you will directly invest in real estate in first-tier cities. Right? "
"It's not that I don't want to invest in real estate in this city. This is my hometown. Although it is only a third-tier city, I am optimistic about its real estate industry. It will also enter a period of 'blowout' development in the next ten years."
Facing Wu Xia, Liang Teng was uncommonly humble: "It's just that, you see, I'm already actively preparing for the acquisition of 'Liwu Village Primary School'. This can be regarded as a meaningful investment... Except for this real estate project, I I still have some spare money, and plan to look for opportunities in first-tier cities. After all, the real estate industry in first-tier cities has better potential.”
Wu Xia said: "The four first-tier cities are recognized domestically, the imperial capital, the magical capital, the commercial capital, and the open capital. Now there are differences in housing prices between the first-tier cities, but the difference is not big. The basic average price is between seven and eight thousand per It’s about the size of a square meter.”
"It's probably at this price." Liang Teng said: "So at this moment, no matter which first-tier city I buy real estate, the cost I need to pay is actually about the same. But in the next ten years, I estimate that the real estate in these four first-tier cities will Prices will spread out. It won't be as 'average' as it is now."
"Did Mr. Liang come to test me again?"
Wu Xia smiled and said: "Now the company is in a period of rapid development of money. It is impossible to attack everywhere at the same time! If you really want to choose an investment city among the four first-tier cities, I guess Director Liang will eventually choose 'Open Capital' '."
"Oh, why do you know?" Liang Teng asked calmly.
"Because all the policies of the 'Open City' are at the forefront, because it has the lowest barriers to entry. From the perspective of the future, it has the greatest development potential...so its real estate prices will definitely increase the most in the future. "
Wu Xia expressed her personal judgment with certainty: "According to your usual foresight, Director Liang, you must have seen this earlier than anyone else. So after careful consideration, you must choose to invest in the 'Open City'."
Liang Teng was a little embarrassed when he heard this.
How can I be as "foresighted" as she said?
Among the four major cities, the "Emperor Capital" and "Magic Capital" were first "crossed out". The most straightforward reason was that the two major cities were too far away from his homeland.
There are too many things at home that hinder him, preventing him from going far away.
As for the two first-tier cities "Commercial Capital" and "Open City" south of the Yangtze River, Liang Teng has not yet decided which city to invest in.
Of course, Liang Teng would not reveal that he did not choose to go to the north because of such "shabby" reasons.
After all, Liang Teng is familiar with "the general trend of the world in the future", so it is not easy to find a suitable reason?
Liang Teng looked confident and pointed to Jiang Shan: "You can judge the housing price growth rate of the four major first-tier cities in the next ten years purely from the potential of the city. This is not entirely accurate. Because there are many factors that determine housing prices. I judge: Ten years later, the housing prices of the 'future capital' may not be far behind other first-tier cities!"
"Why do I judge like this?"
"First of all, Imperial City has an extremely powerful booster for housing prices. That is, the Olympic Games will be held in this city in a few years. With the help of the golden signboard of the Olympics, the housing prices of Imperial Capital will continue to skyrocket, and the increase will even exceed that of other cities in the short term. .This limelight will continue until a few years after the end of the Olympic Games, and then enter a period of stable housing prices..."
"Therefore, for short-term real estate investment, Imperial Capital is the first choice. Unfortunately, our goal is not to make money in the real estate industry in the short term, but then withdraw quickly, so Imperial Capital is not our best choice."
"Secondly, let's take a look at Shanghai. Because the "reform and opening up" in southern cities was earlier, a good atmosphere and environment for foreign trade have been formed. The boss who is committed to foreign trade business, of course, first chooses to start a business in a southern city. This leads to the Without the first-mover advantage of reform and opening up..."
"That's why the devils want to develop, so they can only find another way, and can only turn their attention to the high-tech field. The differentiated competition among cities has created the leading position of the devil in the high-tech field."
"If I want to invest in the 'IT industry' right now, I will naturally choose Shanghai. However, as discussed before, at least for three or four years, I will not get involved in the high-tech field. It is not so urgent for me to invest in real estate in Shanghai. .”
"As for the 'Commercial Capital' and 'Open Capital' in the south, I didn't really think about which of these two cities to invest in, which is more in line with my actual situation... If the housing price increase in the next ten years is used as the selection criterion , of course you can choose 'Open City' without hesitation."
"But you know, I have only been involved in business for a few years, and I basically have no connections at all. Now I finally met Qi Dahai, whose headquarters of the 'Vientiane Network' is located in the 'Shangdu'. His connections in the 'Shangdu' must be It’s very broad. If you choose an investor city, you can ask Lao Qi for help if you have something to do; when you come to the ‘open capital’, there are really no connections at all.”
"To get involved in a giant like 'real estate', it's not like being a self-employed small business owner. There are so many complicated things involved, it's hard to describe in one word."
What Liang Teng said was not a lie.
According to his understanding of housing prices in first-tier cities ten years later, the housing prices in the three cities of "Emperor Capital", "Magic City" and "Open Capital" can still "go hand in hand", and the gap is not too big. within range.
However, the housing prices of the "Shangdu" are far behind the other three metropolises.
The reason is probably also due to the rapid popularization of the Internet in later generations, and online shopping has caused an almost devastating impact on the real economy (especially physical stores).
The foundation of the "business capital" is to gain advantages through "foreign trade".Once online shopping becomes popular, many brick-and-mortar stores and individuals can choose to get goods directly from manufacturers online. Why go to the "business capital" to participate in various trade fairs and look for business opportunities?
Doesn't it mean that the large-scale trade fair in the "business capital" cannot go on?It's that the "dependence" of merchants on it is not so strong.
Gradually, the importance of "trade fairs" became less prominent.
Wu Xia highly recognized Liang Teng's analysis.
However, Wu Xia made a promise and said: "If it's just because of the 'connection', I would still choose the 'Open City' to invest in the construction of Director Liang. Even if my family's connections can't be counted on, there is still Hua Yishan. She There are still some contacts in the family. When our company invests in the real estate of the 'Open Capital', we can find her when we encounter problems. As long as it is not against laws and regulations, it is very useful for her to help out."
Wu Xia didn't elaborate on why she couldn't count on her connections?
Especially one thing that I can't disclose: Wu Xia now highly suspects that Qi Dahai has become one of her father's eyeliners.Maybe, as soon as she came forward to help Liang Teng buy real estate in the "Shangdu", her father would get the news immediately.
What will happen after knowing?According to Wu Zhenting's temper, there is a high probability that he will come forward and play "guiding chess" for her - what should you do!not how...
Young people yearn for freedom the most, especially talents like Wu Xia who come from a big family. They hope to get rid of the influence of their family on them through their own efforts, so as to prove their abilities.
If in the process of helping the company invest in real estate, the father kept dictating behind the scenes, regardless of the final investment success or failure?It's all annoying and annoying.
Qi Dahai became suspicious, and after suspecting that he had become his father's eyeliner, Wu Xia no longer planned to use Qi Dahai's connections.
Even if she is still in her father's "blockade" period, Wu Zhenting's or her own connections are almost useless.Qi Dahai is one of the few contacts that can be used, and Wu Xia still doesn't plan to ask him to help.
After all, Wu Xia's character is just like her father's, both are stubborn.
It's hard for Wu Xia to explain the above-mentioned tortuous thoughts to Liang Teng in too much detail, or even tell him.
It can only be summed up in general as "her family's connections can't be counted on".
Fortunately, Liang Teng was also very understanding and sophisticated, so he didn't bother to break the casserole and ask the bottom line.
Hearing Wu Xia's assurance that Hua Yishan would still be able to help him after he chose to invest in the "Open Capital", Liang Teng made up his mind.
"That's good. We've decided, let's invest in real estate in the 'Open City'."
After Liang Teng made a decision, he looked at Wu Xia again and asked, "Mr. Wu, do you have any good suggestions for real estate investment in the 'Open City'?"
"Of course I have some ideas. I can give Liang Dong a reference."
Wu Xia said: "But before that, I want to calculate how much capital Director Liang can really use? First of all, I need to be sure. Did Director Liang decide to invest all of the 1800 million yuan he got last night in real estate?"
Liang Teng really wanted to say that he planned to set aside one or two million yuan as an emergency fund.
But looking at Wu Xia's expression, although he used a questioning sentence, but his tone and expression, he has long believed that he will invest all 1800 million in real estate investment in the "open capital".
It's not a lot of money after all.For investment in real estate industry.
In addition, Wu Xia estimated that Liang Teng's entertainment company still had a lot of living money, and there was no need to intercept part of the 1800 million as "emergency funds."
But Liang Teng really wanted to keep 200 million from it.
All the funds needed for the operation of his company are spent on "system" money.He aimed at "loss" and dared to spend money hard.
But there are also some special expenses, no matter how hard you try, they are not related to "entrepreneurship" and cannot be reported to the "system".Therefore, I really want to keep my own 200 million "living money" to meet unexpected needs.
But looking at Wu Xia's appearance that he believed that he had "already left enough emergency funds", Liang Teng found it difficult to speak.
Sometimes, Liang Teng actually wanted to save face.Who is willing to reveal the truth about their own poverty?
Think again, investing in Open City requires using your own money.The next investment is not aimed at "loss". It must be done with caution and with all your strength.The original investment of 1800 million in real estate could not create much trouble, but withdrawing part of the funds made it even more difficult.
Then we won’t “withhold” funds from the 1800 million.
Thinking of this, Liang Teng sighed: "Use all of it to invest in the real estate of the 'Open Capital'. First use 1600 million yuan for investment, and 200 million yuan as an investment emergency fund. These funds are earmarked for real estate investment. The company's other businesses , shall not occupy this earmarked fund.”
Emphasizing this point is also to prevent my own money invested in real estate from being mixed with the "system" venture capital.In order to prevent him from being sentenced to "violating the regulations for using the venture capital" at the time of settlement.It is unfair to be punished in vain.
The "startup fund" from the "system" cannot be mixed in (although the "system" has always emphasized that the "startup fund" cannot be used for real estate investment, Liang Teng is still highly wary of it).
In short, it is in Liang Teng's best interest to defuse the danger in its infancy.
Liang Teng even thought that before officially investing in the "Open City", he would use 1800 million as "registered capital" to re-establish a company specializing in real estate investment.In the future, all investments in real estate will be made in the name of this company.
This company is equivalent to his own small treasury.
All the wealth accumulated in the future will be stored here.
Wealth has accumulated to a considerable extent, and we use the money from the "small treasury" to invest in any project that can "make money" with a high probability.
Notice!Only invest in projects with minimal risk and stable profits.
As for some projects that are destined to "lose", especially those projects with small losses and large losses, the "systematic" "startup funds" should be used to invest.
In this way, the public and private accounts are distinct, and there is no need to worry about the two types of investment, and the capital of the two "settlement methods" will be confused.
right!Just do it!
When Liang Teng was thinking carefully about how to use his 1800 million capital, he suddenly thought of a fact that he had ignored.
In the past, I used to spend the "system" money recklessly. In fact, the real wealth that belongs to me is only a mere 5 yuan.It is pitifully small.
What can more than 5 yuan do?
At most, he could deal with the meal expenses that the "system" would not reimburse, but Liang Teng had to pay for.No other great use.
I got 1800 million in the account last night.Liang Teng suddenly felt the taste of "getting rich", and couldn't recover for a while.
It wasn't until this moment that I suddenly thought: In fact, during the three years when I started my business in college, I owed more than 20 to nearly 30 in debt one after another.
These debts, the "system" thinks that it was previously generated by the "host".Therefore, it is impossible to use the "system" "startup fund" to repay the nearly 30 debts.
Liang Teng personally has only 5 yuan of money at his disposal, which is not enough to pay off the debt at all.
The debt of nearly 30 yuan was in arrears until last night, and Liang Teng couldn't solve it.
It's only now that he thinks about this debt, he is fully capable of repaying it all at once.
Liang Teng planned to draw 200 from the 30 million set aside for real estate investment to pay off the debt.
After paying off the debts that have weighed on him for more than three years, he can relax.
In particular, according to the tragic reality of later generations, the 30 is not just a simple debt, it is a huge debt for ordinary people, and it is simply a "death talisman" for the Liang family.
Liang Teng should also be blamed for hiding the truth from his father, Mr. Liang, in order not to worry his family: he was actually in debt to run the "Xiaoliang Food" video.
As a result, when Liang Teng couldn't bear it any longer, a large number of debtors came to collect debts, and Teacher Liang was shocked to realize that his precious only son had owed a huge debt of nearly 30%.
The huge blow hit Mr. Liang who was already a bit depressed.
There were various latent diseases in the body, and they broke out all at once.As a result, my father was hospitalized due to a sudden illness.
Teacher Liang lived frugally all his life and saved more than 10 in cash.It is ready to be used by the son to marry his wife.
After his son's huge "debt crisis" broke out, Mr. Liang once considered using it to repay part of the urgent money creditors for his son.
As a result, Mr. Liang fell ill and was sent to the hospital before he had decided who should be returned first.
Those savings are naturally used first to treat illnesses and save lives.
In the end, the money ran out, and even Liang Teng's mother owed more debts to relatives to save his wife, but Teacher Liang still couldn't save him.
Since being taken to the hospital by an ambulance, he has never left the intensive care unit.Not off the ventilator.
Liang Teng and his mother didn't have time to say anything to Teacher Liang.
Liang Teng recalled that the last conversation he had with his father before his "brain hemorrhage" broke out was still discussing how to repay the nearly 30 debt he owed.
In his previous life, Liang Teng had dreamed of a loving father countless times in his dreams.
I dreamed of what my father said to him at the end: "Fortunately, you are still young. You are only in your early twenties. What is the hurry? It will take a few years to pay off the debts, and then it will not be too late to ask for a wife. The 13 from Dad can be paid first. Take it and pay it back..."
The tragic scene before rebirth has been with Liang Teng for the rest of his life, and it has never faded because of the passage of time.
Later, Liang Teng became as frugal as his late father.
Even after paying off the 30 debts, the stinginess remains the same.It was the profound influence of his father.
At the beginning of his rebirth, what Liang Teng was most excited about was not having a golden finger like the "system", but that he finally had the opportunity to change his father's tragic fate.
Whether he resolutely decided to build a villa in his hometown, or persuaded the "system" to give him a "temporary start-up fund" for three months so that he could acquire the plot of "Liwu Village Primary School", these series of actions seem to be It is for shooting "house building videos", for the company to build office space, and to seek long-term development.
The reason for the explanation cannot be wrong, but it has been buried deep in Liang Teng's heart. The main reason is still to "save" his father.
In order to "save" a loving father who was still worrying about his son's debts before the sudden illness.
Money is something outside of the body, and it can be earned slowly.Debts can be paid off slowly.
Only the kindness of parents cannot be let down.
If you miss an opportunity to repay your parents' kindness, you may have to regret it for the rest of your life.
Now that he was reborn and had the ability to repay the 30 debt in such a short period of time, why wait any longer?
I was too excited last night, no, my mind was "short-circuited", and I didn't expect to pay off the 30 debt first.
Thinking of this, Liang Teng felt that he couldn't wait for a minute.
"I'm sorry. I thought of something very important just now. I was a little distracted." Liang Teng explained to Wu Xia apologetically.
He didn't say anything, but Wu Xia could tell.
Liang Teng suddenly fell into deep thought, Zheng Zheng was in a daze, with a faint sadness on his face.Even before he ate happily, he drank a bowl of "fish fillet and crab porridge" in one go, and stopped after eating a small spoonful of the second bowl.
From all the signs, the fool can see that he has something on his mind.
Wu Xia nodded to express his understanding, and wanted to say something to comfort him.
But Liang Teng said solemnly: "However, please continue to forgive me. I am in a hurry to repay the debts of some relatives and friends. It will take some more time."
Oh, it turned out that Director Liang had some spare cash, thinking that he hadn't paid back the money he borrowed from others, he was a little "hard to eat".
Director Liang is really a gentleman of integrity!In today's world, very few people will "know how to eat" because of debts.Most of them are "laolai" who have borrowed money and regard themselves as grandpas and those who lent him money as grandsons!
Wu Xia respected Liang Teng and said, "Don't get in the way, Mr. Liang! Did you get any news that something happened to your former creditors, and you are in a hurry to use the money? If necessary, I can take the car now." You go to the land and pay back the money to others... As for this table of seafood porridge, don't be afraid of wasting it, we can learn from Principal Li and pack it up."
Speaking of the last sentence, he deliberately winked at Liang Teng.Try to unravel the depression in Liang Teng's heart.
Liang Teng knew that she had misunderstood, but he was also touched by how much she cared about him.
"I'm not full for breakfast. You go on eating first, and I don't need to leave the porridge shop."
Liang Teng said: "It's not what you think. There is no creditor who is in a hurry to use the money. I have a total of 27 creditors, all of whom are relatives with very good relationships. If they are not relatives, it is generally difficult to lend you money. I have all creditors on hand. Those who have the WeChat account of these 27 creditors can directly transfer the money to them through WeChat. I will stay here and I don’t need to go anywhere.”
When he mentioned the words "relatives with a very good relationship", Liang Teng felt a little sad.
Although they once came together to collect debts, it became the direct cause of his father's sudden illness.But Liang Teng also knew that they didn't do it on purpose. Who would have expected that Teacher Liang wouldn't be able to bear such a small amount of debt?
No!It should be said, who knew that Liang Teng had been hiding all the debts from his father?
Another one, everyone thought that Liang Teng only borrowed money from three or five relatives and friends, and there were not many people who borrowed tens of thousands of yuan each.Unexpectedly, he actually borrowed more than [-] people.Doesn't the debt count as a general ledger become a huge debt?
In short, everything was wrong, and no one had an accurate assessment of the seriousness of the outcome in advance.
As a result, Teacher Liang's tragedy happened.
Afterwards, relatives and friends also felt guilty, and did not pursue Liang Teng to repay the debt.
Let him have a buffer time, both psychologically and financially.
Liang Teng gave up shooting food videos, which had been losing money but saw no profit, and found a stable job instead.
It took a few years to gradually pay off the debt.
Suffering made Liang Teng grow up.After he paid off his debts, he didn't particularly resent his relatives and friends coming to collect debts.
These relatives and friends were nothing more than an unintentional mistake.Before Liang Teng asked more than 27 people to borrow money.When he was impoverished but refused to give up his dream of shooting videos, he asked for help from no fewer than three figures, but only 27 of them were willing to lend him money.They were indeed "benevolent" to him.
If they didn't think that Liang Teng's filming of the food video was a complete waste of time, they might not have staged the scene of door-to-door pursuit.
These 27 people never even asked Liang Tengli for an IOU.What else can you complain about them?
This is often the case among relatives with good relations in rural areas, relying on a kind of blood connection and integrity to manage debts.
Even if there is no IOU, Liang Teng has never thought of being a "laolai" from the beginning to the end, and never repaying the debt.
The 27 debtors never thought that Liang Teng's family would renege on their debts.It's just that Liang Teng's repayment ability was questioned at that time, and he wanted to ask Mr. Liang, who was more financially capable, to "guarantee" the repayment.
that is it.
If Liang Teng had any major grievances against those 27 relatives, he really didn't.
It's just that after Mr. Liang's incident, everyone was embarrassed to meet each other.Contacts are naturally reduced.
Liang Teng picked up his mobile phone and found out his "Contacts", and the 27 "creditors" were all "impressively visible", and there were not many of them.
Because the tragedy of his father in his previous life had stimulated him so much, Liang Teng could tell exactly how much each of the 27 creditors had lent him without having to go through the ledger.
I was dazed for a moment.
Liang Teng was actually not that serious about "sentimentality". He was silently calculating three years in his mind. What is the bank's "fixed interest rate"?What time is it like 5 o'clock?
never mind!Just calculate the interest for them at a fixed rate of [-]%.
Nearly 30 debts, with an annual fixed interest rate of 1.8%, and an annual interest of about 5.After three years, the total amount of interest is about [-] yuan.
This little money is nothing to Liang Teng who now holds tens of millions.
Although none of the 27 debtors asked for interest.But Liang Teng felt that he had the ability to calculate some interest, so he didn't need to be too stingy.
Wu Xia drank the porridge slowly, paying attention to Liang Teng's thoughtful expression, and secretly thought: "Did Liang Teng owe others a lot of money? I guess it should be tens of thousands. Look at him pressing the calculator on the phone, as if Calculate interest or something. Does he have to pay back tens of millions of debts plus interest? Then does he still have money to invest in real estate in the "Open Capital"?"
It feels like a beautiful company investing in a great business, but suddenly cast a shadow.
Wu Xia asked cautiously: "Director Liang, do you want to calculate a lot of arrears and interest?"
Without raising his head, Liang Teng replied truthfully: "It's a bit much. There are 27 debts in total. The principal and interest need to be calculated one by one. The creditors will be paid back as much as they need to pay later."
Wu Xia was even more worried.
After a pause, he lowered his face and asked the truth: "Then how much is owed in total? Is it the 1800 million invested in real estate, which should be used to pay off these 27 debts first?"
"Ah, what's the use of it?"
Only then did Liang Teng raise his head in astonishment, glanced at Wu Xia, and said, "According to the statistics of debts and interest, the total is about 35."
ah?Why only 35?
Wu Xia was a little confused.
Stretching his neck to look at Liang Teng's cell phone, it was indeed a statistic of 35.
Later, Liang Teng began to repay the loans from relatives and friends one by one from memory.
All are based on the principal, plus a three-year bank fixed annual interest of [-]%.
After all, Wu Xia was a financial professional, so he quickly saw what interest rate Liang Teng was paying back the money.
Wu Xia's understanding of Liang Teng deepened.
In her former circle of rich friends, when borrowing money and repaying money, either no interest is charged, and if interest is paid, it must be paid on a monthly basis.Sometimes borrowing 30, and repaying 60 when repaying, it is not surprising that it doubles.
Although Liang Teng owes little debt, he insists on calculating the interest to his relatives and friends according to the legal and reasonable bank fixed interest rate, and does not recklessly charge the big money just because he has a lot of money.Wu Xia appreciates this style very much.I think this is what successful people should do.
At this point, Wu Xia felt at ease.I feel that no matter what, Liang Teng will not be able to invest in the most profitable real estate industry in the next ten years because of a mere debt.
It took Liang Teng about a quarter of an hour to calculate all the 27 loans from relatives and friends with interest, and transfer them to the other party through WeChat.
After finishing, Liang Teng "sent" a text message to these 27 people, which was a simple reminder of a few words: "Thank you for borrowing money for emergency. Now calculate the principal and interest according to the bank's fixed interest rate, and repay them together. Please check." Thank you for your help in the past.”
After repaying 27 debts, Liang Teng felt an unprecedented sense of relief.
At this point, something like a "time bomb" suspended above his father, Mr. Liang, finally successfully dismantled the "fuze".
Regardless of whether these relatives and friends will bring up the 30 debt in front of Mr. Liang in the future, Liang Teng is not worried that it will irritate his father.
Even if the older generation talked about it in casual chat, it would only be regarded as an elegant thing.Or Boss Liang's inspirational entrepreneurial story.
Even in the difficult situation of raising debts, Boss Liang still insisted on shooting a loss-making "food video", and the 27 creditors also "supported him firmly as always", believing that Boss Liang will eventually get out of the temporary trough.
The results of it?As a result, Boss Liang really became popular with the video of "Xiaoliang Food".Made a lot of money.Successfully joined the ranks of the rich ... and so on.
Isn't this an elegant business?What is an elegant thing?
Liang Teng was "prepared for danger in times of peace", and decided to set aside more than 200 million yuan in the account as "real estate investment emergency fund", deduct about 35 yuan for debt repayment, and put the remaining 160 million yuan first, not for investment purposes.
After all, my father is chronically ill. It doesn't look fatal now, but after all, he has to save some money for the two elders "just in case".
After the calculation was completed, Liang Teng said to Wu Xia: "You asked me before, about how much money can be used to invest in real estate? Let's invest 1600 million yuan. Please help me calculate it. Both', approximately how much real estate can be invested?"
"Based on what I know about you, Director Liang, you must be unwilling to take a steady investment path."
Wu Xia said with a smile: "Generally, when the capital is not too abundant, most investors will choose to use 'currency leverage', and it is estimated that Director Liang is no exception."
Liang Teng nodded.
In fact, he probably has an idea in his mind. If he does not use "monetary leverage", 1600 million yuan will not invest much in real estate in the "open capital".
Wu Xia began to settle accounts for him.
"Currently, the average price of housing prices in the 'Open Capital' is around 7000 per square meter. Taking investment in commercial housing as an example, the average area of each unit is 100 square meters. If you buy a house with full payment, you need to invest about 70 per unit."
"With a capital of 1600 million, if you buy the house in full, you can get a total of 22 suites. If you buy a large number, you can negotiate the price with the developer and strive for a larger discount on the house price. Then even if the deed tax is deducted, you can barely Can win 23 suites."
There are 23 suites in full.
Now each apartment is 70 yuan. Ten years later, at least the house price will increase by ten times, that is, more than 7 yuan per square meter. Such a suite will cost 700 million yuan in ten years.
There are 23 sets in total, and each set is about 700 million, so the total is 1.6 million.
This number is similar to Liang Teng's own calculation.
Seeing that "the small goal of earning [-] million yuan" can be accomplished so easily, Liang Teng is not satisfied at all.
If there is no comparison, then there is no harm.
In his previous life, Liang Teng had an acquaintance named "Jia Shengping". After moving to Shanghai, he and his husband mortgaged 70 houses in Shanghai with a capital of 10 yuan.As a result, it took about 17 or 18 years, and finally locked in the worth of owning 8 suites and fixed assets of over [-] million.
According to Wu Xia's analysis of the "full payment" way of buying houses, he won 23 sets of houses in the "Open Capital". After ten years, it is estimated that he will only have about 1.6 million fixed assets.
投资1600万，比贾升平两夫妻的70万投资多好多倍；最后拿到的房子23套，也比贾升平夫妻的8套多了两倍……为何最终双方的固定资产对比是：1.6亿对1亿。
It doesn't feel like they made much more money than Jia Shengping and his wife.How many times did the investment increase?
The ratio of input to output is seriously inconsistent.
Of course, that is the special case of Jia Shengping and his wife to calculate the income.There is a psychological gap.
Wu Xia felt that if he doubled his investment of 1600 million yuan in ten years, he would earn a total of 1.4 million yuan.It is equivalent to ten years, earning an average of more than 1400 million per year.
The principal is only 1600 million, and the principal is earned every year.
One profit ah.
No wonder it is said that real estate is a super profitable industry.
At least that was the case during the golden age of real estate!
Not satisfied yet?
In fact, Liang Teng did it intentionally or unintentionally, ignoring the huge difference between Jia Shengping's investment in "Magic City" real estate and his investment in "Open Capital" real estate.
First of all, when Jia Shengping invested in Magic City, he entered the industry earlier, several years earlier than Liang Teng does now.At that time, the average house price in the Magic City was less than 3000 yuan per square meter.Even if it is 7000 square meters, it is still more than half cheaper than the "open city" house price that Liang Teng has invested in now, which has risen to about [-] per square meter.
The sooner you invest, of course, you can make greater profits at a lower cost.
Secondly, Jia Shengping's two parents-in-law got 10 houses with mortgages.In other words, people have always had to repay the house on a monthly basis.It took a full 18 years to pay back, and how many 70 have been paid for the real money paid over so many years!
Besides, with the pressure of repaying the loan all the time, the quality of life is really bad.
Jia Shengping's parents-in-law are like two lonely ghosts, and they must receive long-term support from their retired parents in order to barely support the terrifying real estate.
The taste is not to mention how bitter it is.Even the two parties were "unbearable to look back".
Not to mention anything else, they didn't dare to have children at first, but later they couldn't even want to have children - just based on this, it can be called a great hardship in life.
Finally, it took Jia Shengping and his wife 18 years of hard work to own over [-] million yuan in fixed assets.
And if Liang Teng invests in real estate in the "open capital", it is estimated that it will take no more than 10 years to own "1.6 million fixed assets".
No matter how fast housing prices grow, it may take less than 10 years, and maybe 8 years to complete the expected task.
It's easy, and you don't have to think about the loan repayment pressure in the next few years.When the time comes, there will be money.
And once the "plan house" becomes an existing house, Liang Teng can also increase the fixed rent income every month.
After two or three years at the latest, the house should be handed over and rented out to collect money. In the next ten years, seven years' rent can be collected.There are a total of 23 suites, and the rent for these seven years is also an extremely considerable income.
So ten years later, this investment will eventually reap more than 1.6 million yuan.Maybe it can break through 2 million.
Why did Liang Teng disapprove of such a promising profit and such a stable investment, as if he was very dissatisfied?
Wu Xia's reaction to him had her own interpretation.
She said with a smile: "Of course, compared to buying a house in the 'Open City' with full money, you can earn more after ten years if you buy it with a mortgage."
She began to calculate another account.
If you buy multiple houses at one time, it is estimated that the local bank will not provide you with a 1% "down payment" mortgage.
The "down payment" for each suite must be at least 3%.
If you pay 3% of the "down payment" for each house, and buy a house with a mortgage, the average price of the house price is still 7000 per square meter, and the number of houses purchased with the mortgage can triple the number of "full payment", about 70 houses about.
If the house price is ten times higher in ten years, then the market value of each suite is 700 million. If all 70 houses belong to you, then your fixed capital can reach almost 5 million yuan.
If the fixed capital of 5 million yuan is included in the rental income of the 70 houses for several years after delivery, the capital owned by individuals may exceed the 6 million mark in ten years.
This net worth is far stronger than that of over [-] million.
However, everything must not only see the bright side.
If the plan to buy a house with a mortgage is put into action, then in the next ten years, it will have to bear the "mortgage" pressure of 70 houses.
It's like a huge pressure like "overwhelming mountains and seas".
Even if each apartment has a 30-year long-term housing purchase, each apartment needs to pay about 5 yuan per year to "repay the principal and interest".The monthly repayment amount for each suite is about 4000.
4000 yuan, multiplied by 70 mortgage houses, that is, 28 mortgages need to be repaid every month.
Repay 28 a month, and more than 300 million a year.
If the "system" money used by Liang Teng must lose at least hundreds of thousands every month, the monthly fixed expenditure of 28 will be a boon to him.
However, it is a pity that the "system" has always disapproved of investing in the "real estate" industry.It is impossible for Liang Teng to invest with the "systematic" venture capital.
It is very difficult for Liang Teng to invest with his own money, spending 28 yuan a month.very difficult.It is extremely difficult.extremely difficult...
He also made a windfall of 1800 million at once.
Not every month there is a large fixed income.
Using the tricks used by Jia Shengping and his wife, will the situation be better?
That is to say, after a few years of support, after the housing prices in the "open capital" have increased significantly, sell some of the houses to reduce the mortgage burden.
However, that was after all a few years later.
According to Liang Teng's current actual income, there are doubts about whether he can survive for a few months.Not to mention holding on for a few years, and then selling some real estate to reduce the burden after the housing price rises sharply.
Therefore, if you consider it comprehensively, it is actually not the best choice to speculate on as many as 70 houses with a [-]% down payment.
At least for Liang Teng's situation, that wasn't the best choice.
Liang Teng obviously considered this aspect last night.Feel too adventurous.
The main reason is that the monthly mortgage loan is nearly 30, which is too much to bear.
That's why Liang Teng woke up early in the morning, dragging Wu Xia to come to discuss the specifics of how to speculate in real estate in the "open capital".
Wu Xia is also worthy of being a child of a wealthy family. She is well-informed, and without Liang Teng pointing it out, she can directly see through the risks of 70 properties being mortgaged.
However, Wu Xia somewhat overestimated the ability of "Director Liang" to resist risks.
In her opinion, using 1600 million yuan to mortgage to purchase 70 sets of "open capital" houses is the most ideal investment method for Director Liang at present.
Why do you say that?
Because in Wu Xia's understanding: the company that filmed the videos of "Xiaoliang Food" and "Xiaoliang Building a House", and the company that is planning to acquire the former site of "Liwu Village Primary School", and is preparing to enter the "open capital" Companies in the real estate industry...they are all the same company owned by Mr. Liang.
In other words, the company founded by Mr. Liang is running so many businesses that it can survive, so why does it care about adding a "mortgage loan" expense?
In terms of funds, there may be pressure, but if you want to turn around, you can still make it happen.
(End of this chapter)
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