Rebirth of the Almighty Internet Celebrity

Chapter 110 Mysterious Strength
Purchasing 70 houses seems like a lot, but the monthly housing loan only needs to be able to settle about 28.

Wu Xia didn't believe it at all. Boss Liang couldn't even afford this little money every month.

How could it not be possible?

You know, Director Liang hired her with an annual salary of 120 million.The monthly salary is 10.He also planned to recruit Hua Yishan to the company together.And offered the same annual salary as her.

That is to say, he only hired her two employees, and he had to pay 20 yuan a month.

A big boss who spends money like him, who says he can't pay the monthly mortgage payment of 28 yuan, who will believe it?

I don't know whether others believe it or not, but Wu Xia was beaten to death anyway.

Precisely because of the "preconception" concept, Wu Xia decided that Liang Teng would adopt a "3 down payment" mortgage to invest in real estate in the "open capital".

Wu Xia was well-informed and remembered something, so he solemnly warned Liang Teng: "If you really want to buy a house in the 'Open City' with a mortgage, you must pay attention to one thing! Don't buy something that looks cheap and affordable. It's a 'time bomb' house!"

"How to say?" Liang Teng asked.

"I wonder if Director Liang has heard of the concept of 'small property rights housing'?" Wu Xia asked.

With Wu Xia's reminder, Liang Teng woke up suddenly.

Almost forgot about this one.

Wu Xia said: "The so-called small-property houses refer to real estate buildings that are not approved by the relevant land departments, and are built by village organizations in the countryside with income-generating funds from the village. Those real estate buildings seem to be built in the style of normal commercial housing. Up to more than 30 floors, the greenery is pretty good, even the access control system, underground parking lot, everything is available.”

"But because the 'small property rights housing' has no normal construction approval procedures and is not recognized by relevant departments, it can only be sold at a more favorable price than normal commercial housing, which is much cheaper. For example, the surrounding commercial housing sells for 7000 or 8000. Houses with small property rights are only sold for 2000 to 3000, which is more than half the price.”

"In the past few years when housing loans were the most relaxed, banks even provided normal mortgage loans for small property rights in order to consider business volume, and only charged normal loan interest rates... For a period of time, small property rights houses in the 'Open City' have indeed It's selling like hot cakes!"

"But the danger of investing in this kind of small property right house is that it does not preserve its value, and it is almost impossible to transfer the ownership! The other is that it is not recognized by the relevant departments. It has the risk of being demolished as an 'illegal building'."

"Don't think that demolition is impossible because of the huge land area and tall buildings. In a certain area of ​​the 'Open Capital', there are a lot of small-property houses built, and a small-property house was demolished two years ago. The direct consequence of this was that several small property rights houses under construction at that time were shocked and suddenly fell into a state of suspension."

"Some of the small property rights houses that have been suspended have been built up to more than [-] floors. Not only have they been 'suspended' before they are completed, even many local sales offices that were popular in the local area have almost disappeared. No There is only a phone number left on the banner hanging on the completed small property right house real estate, and there is no other information. There is no sign of any intention to sell..."

"Under the severe limelight of cracking down on small-property houses, investors stopped working and waited and watched. Small-property houses have become hot water. If you want to change hands, you can't find a next home to take over."

"However, those districts were severely cracked down, and houses with small property rights are no longer allowed to be sold. However, in some districts of the 'Open Capital', the construction and sale of small property rights houses have not been explicitly prohibited...but depending on the trend, it will follow sooner or later forbidden."

"So I have to remind Director Liang that if you really want to buy real estate in the 'Open City', you must not be greedy for cheap and buy a house with small property rights. I have a few old colleagues I know, so I bought the 'Open City' 'The houses with small property rights. One house was demolished, and although the other two houses were not demolished, people were panicked. They wanted to change hands, but after more than a year, no one dared to take over. Even if the house price was lowered again I sold it at a loss, but I still can't find anyone to buy it..."

Speaking of this, Wu Xia let out a long sigh.Do you feel sorry for her old colleagues?
"I know. I must not be greedy to buy a house with a small property right at a low price. I will be very careful and review the property's land use property. For those that cannot be verified, I would rather not buy it."

Liang Teng reassured Wu Xia sternly.

"Be careful not to buy houses with small property rights. No, it should include all houses that have not completed the legal approval process and cannot obtain a real estate certificate. You must not buy them."

"Director Liang, just pay attention to this aspect." Wu Xia emphasized again, and finally said: "Now I want to confirm, have you decided to purchase 70 apartments in the 'Open City' using a mortgage with [-]% down payment? Confirmed? With this in mind, I can do further research on which location to buy a house in.”

Liang Teng shook his head slowly.

Wu Xia's face changed slightly.

"I have a better plan."

Liang Teng emphasized it again.He also said: "I got 70 houses in the 'Open City' with mortgages in one go, which is similar to 'group buying'. Its risk comes from the pressure of repayment of the loan in the next ten years. I have to repay the 'mortgage loan of more than 300 million and 400 million a year. '. And the houses in the 'Open City' are basically 'off-plan properties'. During the few years from the bank loan to the formal delivery of the house, there is no rental income to 'offset' the mortgage. And the company does not have many profit-making products. In short , the company's ability to repay loans may not be able to keep up in the short term."

"Aside from all this. The most important thing is to mortgage 70 houses in one go. I always feel that it is not the best investment model."

"If we are optimistic, in ten years' time, the house prices in the 'open city' will soar to the expected height. By then, by selling a few houses, we can pay off the entire mortgage... But at least ten years of mortgage payments will not be able to escape, right?"

"A mortgage of nearly 400 million yuan per year, if you repay it for ten years, then you have to fill in more than 4000 million yuan. Add the 2000 to 5 million yuan invested before. With such capital investment, the final income is about [-] million yuan, which is not a loss. But I don’t think it’s earning enough.”

Wu Xia's eyes widened when he heard that.

The total investment is expected to be 6 million before and after, and the expected profit is about 5 million. Is this just "no loss"?Dong Liang still felt that he didn't earn enough?

Is he too ambitious? !

Of course, when Wu Xia was at home, she also watched her father use tens of billions of capital to invest in the non-ferrous metal industry, and made tens of billions in profits in just a few years... But the entry threshold of the "non-ferrous metal industry" is too high. High, in addition to hundreds of millions of capital operations, you also need to have strong network resources.Ordinary people cannot get involved in this industry.

Another one, the more you invest in a huge industry, such as investing hundreds of millions or billions, the broader the prospect of profit, and sometimes the rate of return is as high as dozens or even hundreds of times.

The lower the investment in the business, the more difficult it is to obtain ten times or dozens of times the profit.

This is not difficult to understand.

Just like a rich man with a net worth of billions, as long as he invests in the right project (or even buys the right high-quality stock), his wealth can become tens of billions or tens of billions in a short period of time.

And those who invest tens of thousands of dollars to open a restaurant, even if the business is good, but it is very difficult for him to make ten or twenty times the profit in a short period of time, and earn one million.

This shows that money is more profitable after capital has accumulated to a certain extent.

So Wu Xia thinks that if he invests a total of tens of millions, he can reap ten times the profit within ten years, which is enough.This is why real estate is called a "profiteering industry".

For other ordinary businesses, if you invest tens of millions and spend a few years, you can only earn back tens of millions of capital.

So, Liang Dong is still not satisfied?
Wu Xia really doesn't know how angry Director Liang is?How else can he use the 1600 million cash on hand to earn such an amazing wealth?
Wu Xia shook his head with a wry smile, and said to Liang Teng, "I really can't imagine what kind of real estate project is more profitable than mass mortgage purchases? Safer? Lower risk? Of course, if you say that you just buy the land and build it yourself It’s more profitable to sell the house, that’s for sure. But that’s not something you can play with just 1600 million.”

Liang Teng didn't seem to care about Wu Xia's kind ridicule, and spoke slowly.

"I have a comprehensive plan. I still invest in real estate, but the expected profit in ten years is at least [-] times that of 'mortgage purchase'. However, if my plan is to succeed, I must have certain contacts resource."

Liang Teng unknowingly lowered his voice, very furtively revealing an amazing plan.

Wu Xia was the first to be surprised.

"Mortgage purchase of 70 houses" in one breath, the expected income in ten years is as high as 5 million.Director Liang actually boasted that the expected income of his planned real estate investment was 5 times higher than 20 million.At least!
Just use 20 times of "at least" to calculate, 5 times of 20 million, that is a profit of 100 billion.

Wu Xia was completely speechless.

No matter how blindly she believed in Director Liang's miraculous ability, she still couldn't believe that he could earn more than 1600 billion in just ten years with [-] million.

How can a normal business generate such terrifying profits!

Not bad!

Wu Xia felt that it was more than amazing.It's almost reached the level of "horrible like this".

Wu Xia settled down, unconsciously imitating his appearance, lowered his voice and asked: "Are you sure, you are not going to do some illegal activities, are you? Even, you plan to gamble your life, spend more than 1000 million to hire a group of desperadoes, Are you going to engage in the business of selling white noodles!? Oh my god, Liang Dong, you are young and promising, and you have a bright future! Don’t be stupid and ruin yourself and your family!"

Liang Teng looked at her dumbfounded, couldn't help touching his nose (of course his own), and said, "I'm so stupid, you won't join my small company anymore. You don't believe my brain, You should also trust your IQ and eyesight. Don’t worry, you will never engage in illegal and criminal things.”

Wu Xia calmed down a bit.

Liang Teng denied the possibility of engaging in illegal activities, and Wu Xia's curiosity was aroused again.

What kind of real estate investment can make tens of billions of profits in ten years with an investment of 1600 million?

However, Liang Teng played tricks.

Still focusing on the previous question, I asked her: "The 'connections' I need, one is from the land department, and the other is from the banking system. Do you know anyone in this area?"

Speaking of this, I emphasized some specific requirements: "Do you know that there is a county-level district called 'Fengyuan' in Nanbian City? What I need is the contacts of the land department of 'Fengyuan District', and it must be the land department' The head of the cadastral section'. Of course, it would be good to know the head of the land department."

"People from the banking system, ICBC, ABC, CCB...it doesn't matter which bank it is. As long as it's from the banking system in the 'Fengyuan District', it's fine to approve the loan."

Wu Xia used his own way of thinking to interpret that Liang Teng needed contacts in the banking system, needless to say, to obtain loans.However, according to normal procedures, even a huge mortgage of 70 houses can be approved without any additional relationship.

Liang Teng actually wanted to use his contacts in the banking system. Could it be that his loan was tricky?

But he just promised that he would never do illegal activities.

I can't figure it out, I really can't!
In addition, contacts from the land department are needed, apparently for the purpose of land transfer.But when buying a house and transferring ownership, shouldn’t it be better to find contacts in the “real estate department”?
(It is not like later generations. The land department of later generations has been upgraded to a "natural resources department", and the authority of the real estate department to handle "property certificates" has been taken over, and it has become unified to handle "real estate certificates". Now the processing of real estate certificates still belongs to the "property certificate" The real estate department” is in charge. Wu Xia thinks Liang Teng does not seek out the “real estate department”, but only seeks contacts from the “land department”, which is a bit weird.)
Wu Xia was also puzzled by one point: Liang Teng repeatedly mentioned a small place called "Fengyuan District" for the land he needed and the "connections" at the bank.Could it be that the "sealed source area" is the key to Liang Dong's layout?
Shame to say.

Wu Xia has always been quite conceited about his knowledge of geography.

But she had never heard of the "Fengyuan District" in Nanbian City.

It is estimated that it should be a relatively small district, and it is not outstanding in all aspects of economy, tourism, humanities, and popularity.

Otherwise, Wu Xia should have heard of even a little bit of fame.

Wu Xia smiled bitterly: In such a remote community, do you need to know the person in charge of the land department in the area?Isn't this embarrassing her?

However, Wu Xia suddenly had a flash of inspiration.She doesn't know anyone in the "Fengyuan District", but Director Liang just said that Fengyuan District happens to be under the jurisdiction of Nanbian City.

She knows the mayor of the south.

Of course, it was the mayor of the south that she met because of her father.The mayor, surnamed Xie, was very warm to others (maybe because he knew she was Wu Zhenting's daughter).

Wu Xia knew that in order to force her to return to the family business for development, her father told many large and small companies not to accept her.

But it is impossible for Wu Zhenting to exert influence on his acquaintances in official career, telling them not to "pay attention to his daughter Wu Xia".

Because Wu Zhenting feels that no matter what, it is impossible for her daughter to transfer to an official career to develop, right?
Besides, there are many large and medium-sized enterprises in China, so it is very easy for Wu Zhenting to exert influence.

But in terms of official career, Wu Zhenting knows tens of thousands of "connections", all of whom are individuals. How could Wu Zhenting send a signal to so many and scattered "individuals": tell everyone not to sell face to Wu Xia?
So Wu Xia felt that she could still contact Mayor Xie of Nanbian City.Ask her to introduce the person in charge of the "Fengyuan District Land Department"... Isn't Liang Teng's designated contacts already there?
In the same way, Mayor Xie certainly knows the person in charge of the banking system in the "Fengyuan District".

Even if you need a loan to invest in real estate, because the "Fengyuan District" is under the jurisdiction of "Nanbian City", Mayor Xie can directly greet the banking system of "Nanbian City" and introduce Liang Teng to which bank in Nanbian City to apply for a loan. .

Contacting the banking system in Nanbian City is the easiest for Mayor Xie.

After figuring this out, Wu Xia didn't hide it, and said bluntly to Liang Teng: "I know the mayor of the south. But is what you want to do difficult? If it's too difficult , I'm worried that I don't have enough face."

Liang Teng cheered up, and said: "It is enough to have such a strong network. The matter I want to entrust is not particularly difficult. It is nothing more than when I need to transfer the ownership of some land in the 'Fengyuan District'. The local land department can complete the transfer procedures for me in the shortest possible time. My wish has come true.”

"As for the relationship with the banks in Nanbian City, of course you need to borrow money to find a bank. At that time, I hope that the bank will issue loans based on the true value of the 'collateral' I provided... instead of only providing collateral Loan me half its value."

Wu Xia asked suspiciously: "Is it that simple? These things sound quite legitimate. Even if you don't find contacts, there is a high probability that it can be done. Why bother to find someone to owe favors to?"

Liang Teng laughed dryly: "Following the normal procedures, it may not be so easy to complete. After all, the amount I will borrow from the bank may be a bit large."

"How big can it be?"

Wu Xia said disapprovingly: "I guess you can borrow at most tens of millions, plus the previous 1600 million, it should be enough for you to go to the 'Open Capital' to speculate in real estate."

Liang Teng told the truth: "I want to borrow 3 million yuan from a local bank. At least 2.6 million yuan should be borrowed. Otherwise, I'm afraid that the funds will not be enough to turn around and I won't be able to win a real estate project in the 'Open City' that I locked."

Wu Xia was so startled that she almost jumped up.

For a long time, he looked at Liang Teng's serious expression, not like joking.

Wu Xia couldn't help muttering: "Do you have collateral of equivalent value? The best collateral is land or real estate. If you want to borrow 3 million from the bank, according to the usual practice, the collateral must be valued at 6 million, and the bank will use the estimated value of 50.00 % to lend..."

"This is not difficult to handle. You have to provide a 'collateral' worth at least 3 million yuan. Mayor Xie can find an appraiser and estimate the value at 4 million yuan. Then the bank will pay 4% of the estimated value of 70.00 million yuan. You lend. You have achieved your goal of borrowing 3 million yuan."

"In this way, the appraiser estimated the collateral of nearly 3 million yuan as 4 million yuan. This valuation is not outrageous. After all, if the collateral is real estate, it is reasonable to estimate the value of the thing with a slight increase of 20.00%. After all, the reference is the selling price of the surrounding land. There are so many plots of land and real estate, and if you choose different references, the evaluation price will be different. This is normal."

"When it comes to the bank, it makes sense for the bank to lend at 4% of the assessed value of the collateral at 70.00 million yuan. After all, it is a common practice to only lend at half the assessed value. In order to ensure the safety of the loan. But it is really necessary to lend the loan Seventy-five percent of the price, it's okay."

"As long as the real value of the collateral you provide can reach 3 million yuan, Mayor Xie will come forward and help the two parties to lend you 3 million yuan. She doesn't have to take any risks. Please leave it to her, she Nothing to help."

"I can rest assured that."

Liang Teng nodded frequently when he heard this, and asked a little greedily: "Since there are connections, as long as the loan does not exceed 4% of the appraised price, it is theoretically possible. It is rare for us to find Mayor Xie's favor. Don’t just ask the bank to lend us 4 million based on the appraised price of [-] million? An extra [-] million can do a lot of things. I’m more confident when I go to the ‘Open City’ to work on that big real estate project.”

"You also know that it is only theoretically possible to lend 100% at the appraised price?!"

Wu Xia gave him a white look: "Don't go too far. It's too eye-catching to lend 20.00% of the appraised price. The original "appraisal" collateral has a premium of [-]%. Do something eye-catching If there are too many, the risk everyone has to take is a bit big. Be safe. You said at the beginning that you should not do illegal activities. Let’s play a bit of a side ball. If it is too much, it will be bad if you don’t clean it up. "

Liang Teng sighed.It's a pity.

It seems that as long as you take a little risk, you can add an extra [-] million out of thin air.But can't take that risk.Panic.

In the end, he nodded and agreed with Wu Xia's opinion.

Wu Xia looked Liang Teng suspiciously up and down, then changed the subject, and questioned, "Mr. Liang, it's not that I look down on people. But I can't imagine that you can take out a mortgage equivalent to 3 million yuan to borrow from the bank." Huh? Could it be that some ancient and rare antique was dug up from the ruins of your hometown? Then I have to remind you: it is difficult to evaluate the price of antiques, and the law stipulates that they cannot be used as collateral Get a loan from the bank!"

Liang Teng said nonchalantly: "If I have an antique at home, I will sell it directly. Even if the price of the antique is difficult to estimate, it is worth something. I will put it at the auction, and I will sell it for as much as I can. Who still thinks about it? Go to the bank and get a mortgage."

"Then you really have land or real estate worth 3 million yuan, can you take it to the bank for a mortgage?" Wu Xia asked in surprise.

"It's a large amount of land, and there are several sporadic properties. I want to take these to the bank for mortgage loans."

Liang Teng said this weakly.I added a sentence in my heart: It's just that I haven't got those large land and many sets of properties.I'm ready to buy it.And the success of the transaction is quite sure, as high as [-] to [-]%.It's just that it's not easy to reveal the source of my house to Wu Xia.This shouldn't be considered cheating on her.

Wu Xia was really shocked.

How old is the boss Liang in front of you?How can you have fixed assets worth 3 million yuan?The most important thing is that Liang Dong is young, he has almost no backing.Nor did he come from a wealthy family.Under such circumstances, where did he get fixed assets worth 3 million yuan? !

Can't figure it out!I really can't figure it out!
Every time Wu Xia thought that he had seen the details of Liang Teng's strength.As a result, when he turned his head, Liang Dong was able to show her a more powerful and terrifying strength.

The disclosure of this terrifying strength is not limited to wealth, but also includes artistic talent.

At first Wu Xia thought that his talent was limited to shooting "high-quality videos", but Liang Teng stunned and released N "Divine Comedies" in just a few days!
That is the "Divine Comedy" that can shake the music world dozens of times!

At first, he thought that with Boss Liang's financial strength, it would be very difficult to go to the "open capital" to buy a house with a mortgage. Who would have thought that he hadn't bothered him much? Bank Mortgage!

Perhaps, the strength mentioned above is still just the "tip of the iceberg" of Liang Teng's strength.

Mysterious strength!
I can't tell, I don't know the way.When it is really needed, Director Liang can take it out.Unambiguously.

Wu Xia said numbly: "Mr. Liang, why didn't you tell me earlier that you have 3 million fixed assets? With such rich financial resources, I naturally wouldn't just think about planning small things like 'mortgage purchase'" investment plan."

"It's not cash. You have to successfully apply for a loan from the bank in the 'Fengyuan District'. Only when you get the 3 million yuan can you have the funds to invest in the 'Open City'." Liang Teng said with a guilty conscience.

"Why do you need a bank loan in the 'closed source area'?"

Wu Xiagang asked in doubt, and suddenly realized: "Could it be said that all the real estate owned by Director Liang was purchased in the 'Fengyuan District'?"

"Of course. Otherwise, who would go to the bank there to find a loan." Liang Teng said, "It's very difficult to get approved for a loan in a different place. It's especially difficult to evaluate the value of mortgaged real estate in a different place. No bank is willing to take this risk. .”

Wu Xia stared at Liang Teng strangely.

She doesn't even know where the "sealed source area" is in the corner of the mountain?

This is not because her geographical knowledge is unqualified, but it proves that the place is "mountainous" enough.

Liang Teng actually went to such a "mountain" place to buy real estate.Moreover, he bought a land worth 3 million yuan as soon as he bought it.

Even if you don't need so much money when you buy it, the expenses will definitely be indispensable.

What is rhythm?What is he thinking?
What is so special about the "Sealed Source Area" that attracts him?
Why didn't he go to the "four first-tier cities" to invest in real estate early when he was rich?
Land was so cheap back then!Investing in real estate in the four major first-tier cities, no matter what, is more valuable than investing in that "closed source area"! ?
Many doubts filled Wu Xia's head.

But compared to these questions, Wu Xia felt that there was one more urgent matter, and he had to remind Liang Teng: "Borrow 3 million from the bank, as long as your collateral is fine, it should be fine. But, you've done the math Is it? For a loan of 3 million yuan, no matter if it is borrowed for 10 years, or 20 years or 30 years, the interest rate of the bank is not cheap. I did a rough calculation, and the annual interest that needs to be paid is between 1000 million and 600 million. Mainly See how long your loan term is."

Speaking of this, Wu Xia emphasized: "Pay bank interest of 1000 million to more than 1600 million a year. Director Liang, what kind of big investment are you planning to make in the 'Open City'? Can you guarantee that investment, every year?" Does the income far exceed the interest expense?"

Speaking of this, I couldn't help but look at Liang Teng with worry.

This guy said at the beginning that he wanted to invest in a very risky project.

Could it be that he took too much risk in the end? If he couldn't stop, he would lose everything.

(End of this chapter)