I'm just a system porter

Chapter 20 Profit maximization
Although it took only one day to own the Super Shenhao system, Yang Yu has already grasped the essence of the Super Shenhao system.

The core of the Super Shenhao system is spending money, but among all kinds of consumption, borrowing is an alternative.

The loaned money can be included in the mission and exchanged for mission rewards, but one day, the money will return to Yang Yu.

Gong Tianhua also discovered this loophole and established Tianhua Credit Group.

You should know that for each daily task, the system will reward task coins for daily consumption.

When the task currency is lent out, it will become a real currency. After the borrower returns it, the money is still money, but it no longer belongs to the system, but to Yang Yu.

In other words, through borrowing money, Yang Yu can convert mission coins into real currency and get rid of the constraints of the system.

Wanting to understand this, Yang Yu couldn't wait to play the role of a boy giving money.

"Damn Tianyi Pavilion, you clearly agreed on an average price of [-] yuan. When the market opened, you actually added another [-] yuan. Isn't this killing people?"

"I scraped together 800 million yuan. I originally wanted to buy a small apartment, but now it seems that even the smallest house is unaffordable!"

"Developers cannibalize people without spit out their bones, and increase the price by [-] in one breath. I want to kill them!"

Along the way, Yang Yu heard such words all the time.

A common method used by developers is to temporarily increase the price when they see the sales are booming.

And this kind of temporary price increase will directly brush off many people.

Those who have been dismissed can only turn to buy other communities, or borrow money everywhere, in order to make some gains in the next opening.

However, most of those who choose the latter will end in failure. The next time the market opens, the price will increase again, which may exceed their expectations again.

For ordinary people, the developer's temporary price increase is equivalent to a disaster.

However, for those who can afford to buy, it is a good thing.

Invisibly, there are fewer competitors, and it is easier for them to win the house they want.

However, such people are a minority after all, and most people are hesitating between buying or not.

As Yang Yu walked among the people, he saw many people with huge exclamation marks on their heads, indicating that they were potential mission targets.

However, the color of the exclamation mark is different.

"System, explain to me why the color of the exclamation mark is different?" Yang Yu asked in his heart. He had only seen an exclamation mark above Uncle Hua's head before, but his exclamation mark was golden.

"When the host is performing a mission, the Super Shenhao System will help the host and mark potential mission targets with an exclamation mark. At the same time, according to the different values ​​of the mission targets, they are divided into five colors: gold, red, green, blue and gray, among which gold It means that the value of the mission goal is extremely high, the value of the red, green and blue mission goals decreases in sequence, and the value of the gray mission goal is extremely low. The Super Shenhao system reminds you that in order to maximize the host's interests, the host is asked to choose blue and above mission goals! "

"I don't choose blue. If I want to choose, I choose gold. For example..." Yang Yu looked around and found a target with a golden exclamation mark. When he walked closer, he realized that the other party was still an acquaintance.

"Director Zhang, what type of apartment do you plan to buy?" Yang Yu went directly to Director Zhang of the state-owned textile factory.

Normally, Factory Manager Zhang wouldn't pay attention to a high school student like Yang Yu.

But at this time, he regarded Yang Yu as the God of Wealth, after all, he saved him 20 in one sentence.

"This kind of 110 square meters, the total price needs to be more than 100 million, not counting the decoration cost. Even if calculated according to the 1000% discount, plus the various discounts of Tianyi Pavilion, it will be about [-] million." Zhang Chang Long said helplessly.

"I can lend you 1000 million!" Yang Yu said directly.

As soon as this remark came out, Director Zhang's face suddenly showed excitement. It felt like meeting his own father, "Xiao Yu, thank you so much!"

Zhang Chang has been in a high position for a long time, so he naturally understands the upper class.

He would not naively think that Deng Yiming would benefit Yang Yu for nothing.

The reason why Deng Yiming was willing to offer a super low discount must be because of some kind of benefit exchange, and Yang Yu must have the same strength as Deng Yiming.

Because of this kind of judgment, Director Zhang believed in Yang Yu's words.

"This time I lent it to you in my own name. Just give me an IOU. You can pay it back whenever you want. Don't talk about the interest. If you talk too much, it will hurt your feelings!" Yang Yu showed a traitorous businessman. face.

Although he holds a huge sum of 5000 million, he understands that if the money is not loaned out, it will be worse than waste paper.

It only has value if it is lent out.

"1000 million, Xiaoyu, what you said is true. I actually can't use that much. Four or five million is enough!" Director Zhang said a little embarrassed.

He also knew that his relationship with Yang Yu's family was not that good, so accepting 1000 million directly was indeed a bit excessive.

"Director Zhang is too outsider. My father has always taught me to be willing to help others. Now that I control Tianhua Group, I naturally want to help others!" Yang Yu used a very stupid excuse, but considering his age, he said Such words did not arouse Director Zhang's suspicion.

"That's really embarrassing. I'll borrow 1000 million from you. As long as I have the money, I will pay it back to you!" After saying that, Director Zhang directly found a piece of white paper and wrote down an IOU.

Factory Manager Zhang is also considered scheming. He thinks that with his own ability, he can completely manipulate this high school student.

On the IOU, the borrowing time is today, and the repayment date is ten years later. As for the interest during the period, it is 4% per year.

In ten years, with Director Zhang's ability, the 1000 million yuan will definitely be doubled several times.

The mere 4% interest rate is even lower than the bank interest rate. For Yang Yu, it is a blood loss.

You must know that depositing money in the bank is only the worst way to manage money, and the repayment interest rate of Director Zhang is even lower than that of bank deposits.

According to the current speed of economic development, after ten years, the purchasing power of 1000 million yuan may not be half of what it is now. Yang Yu has already lost 500 million yuan after signing this IOU.

But Yang Yu didn't think so, so he ran directly to a deserted corner, found a sack, put 1000 million in cash in it, and handed it to Director Zhang.

"Zhang Chaoyang, now the 1000 million is yours!" Yang Yu smiled and handed the 1000 million to Director Zhang.

Factory Director Zhang thanked him repeatedly. Although he looked thin, he directly picked up the sack weighing more than 100 kilograms and ran to the sales department to pay the house payment.

Seeing this scene, others shook their heads.

"This Yang Yu is too naive, I'm afraid the 1000 million will never come back!" An old man kept shaking his head.

Bank loan procedures are complicated because of the fear of bad debts.

Even though it is as powerful as a bank, it is helpless when faced with non-payment of money owed.

Even if the real estate is mortgaged in the end, it will take a long time to really recover the funds.

Banks are still like this, and microfinance is even more difficult.

But like Yang Yu, relying on a single IOU to hand over tens of millions of funds to others, in the financial market, it can only be described as childish.

Facing such a naive person, everyone did not think of sympathy, but how to gain benefits from Yang Yu.

It's just that they don't know that it's not that simple to get cheap from Yang Yu.

"After system testing, there are loopholes in the new debt relationship. Is the loophole exploited to maximize the interests of the host?"

After completing the loan with Director Zhang, the Super Shenhao System immediately sent a reminder to Yang Yu.

"It has been detected that the lender Zhang Chaoyang has extremely high value, and it is suggested that the host use relevant props to maximize the benefits!" Super Shenhao system reminded again.

(End of this chapter)