I’m Almost Losing to a Muggle

But... this is all Zheng Ce. Pei Qianlong couldn't figure it out.

Others are racking their brains to take advantage, and some even enter this industry just to take advantage. Why do they have such a high level of ideological awareness when they come to Mr. Lin's side?

Old Pei, have you ever heard a saying that free things are the most expensive? Lin Dongfu thought of this sentence out of nowhere.

Pei Qianlong fell into deep thought, he seemed to understand what the boss meant.

Boss Lin, I'll talk about it later.

The people being talked to were dumbfounded, they had never encountered anything like this before.

Bank here.

The capital is still cold in February, and the manager is already sweating.

Mr. Wang, does your bank have any low-interest loans for companies like ours? If not, we can accept a 6% annual interest rate. Pei Qianlong first rejected the interest-free loan, and then began to bargain over the interest.

At present, Huaxia’s benchmark loan interest rate is uniform, with a tenor of 5.31%. Banks can fluctuate by 30% down and up by 50%. Local banks can float down by 50% and up by 70%. Banks have financial discount loans, namely interest Subsidized by the state finance, there are full subsidies and partial subsidies.

This is the so-called low-interest loan.

6% is actually no longer a low-interest loan.

20 billion can be loaned out casually, as long as you can mortgage enough effective assets.

For example, mortgaging the 800 mu of land, mortgaging the income of Miaomiao game in the next few years, or even directly mortgaging Miaoya live broadcast.

Neuropathy, Nima!

Manager Wang is not an ordinary bank manager. If the amount of money involved is not too large, there is no need for him to come forward at all.

He thought it was something that could be done easily, but he didn't expect the person involved to refuse.

Why do you refuse.

Can you tell me why, I don't want to communicate with psychos.

Go back to your six hospital emergency department.

Even if the annual interest rate is only 6%, 20 billion a year will be 1.2 billion in interest. Do you still have money to develop? Manager Wang was not a fuel-efficient lamp, and began to try his best to persuade Pei Qianlong.

blah blah blah...

Half an hour later, Pei Qianlong was also a little anxious: Mr. Wang, we really don't need an interest-free loan. You can just give me a low interest rate.

There is a limit to supporting the chip industry.

Why does this President Wang have a stupid temperament that I have 20 billion and I have to spend it.

1.28%, what do you think? Manager Wang was really helpless, and gave a figure that he had manipulated before.

In the past, an environmental protection company with a state-owned enterprise background applied for a low-interest loan of 400 million yuan in order to introduce a batch of new equipment. In the end, after frequent evaluations, the loan was opened to an annual interest rate of 1.28%.

If the loan is 20 billion, the interest that needs to be settled every year is 256 million.

Yes, yes. Pei Qianlong was overjoyed. This interest rate was much better than the 6% he expected.

It's not like it's free.

Is the five-year period too short, or ten years? Manager Wang has to consider the impact on himself if he doesn't take out the interest-free loan. Such a small matter can't be done, how does the leader think of himself.

Based on his speculation about this matter, it is that the superiors need to give great support.

Since I failed to loan out the loan without interest, it would be no problem for me to extend the term.

This is indeed a bit self-assertive, but those who never assert themselves, in their system, have no further possibility at all.

Pei Qianlong thought for a while, and Mr. Lin didn't seem to say anything about the age limit, so it wasn't free. We paid interest, and it didn't count as taking advantage of Guo Jia, so he agreed after hesitating for a while.

Manager Wang breathed a sigh of relief.

You guys, Kleist, are rarely involved in financial services, and you've been seeing each other for so long. Boss Pei is young and promising. If you don't think I'm outdated, why not have a meal together.

Haha, Mr. Wang, you look like you are only in your early forties. I can't be called young and promising in front of you. I have already arranged the place to eat. Let's go now.

Of course Pei Qianlong would not refuse.

The bank does not mean that they will leave you with the money.

Otherwise, what will you do if you mess around, so in theory there is still a regulatory mechanism.

This mechanism is generally not activated, but just in case.

So there is no harm in building a good relationship with the bank.

The two quickly became friends.

Kleist also received 20 billion low-interest loans in a very short period of time, and the approval and loan approval was fast, comparable to Lin Dong's investment in film and television dramas.

Then Pei Qianlong went to talk about the price of the land.

He took several experts from the chip business department to see it, and it was indeed very suitable for building a fab.

The estimated area given above is 432 mu, but the actual used area can even reach about 500 mu. If you add the hills on both sides—it’s cheaper to buy this, the actual area may be thousands of mu.

This L-shaped mountain is very gentle, and it is completely possible to build a research and development base on it.

Generally speaking, this place can completely accommodate Kleist's chip business department, even if it develops and expands production capacity in the future, it will be more than enough.

The land negotiations have had some twists and turns.

After all, if the land is approved, the land still belongs to Guo Jia, which limits how you can use it.

In theory, you can't keep this land for other use, and you can't transfer it.

But if you buy it, there are not so many restrictions.

In fact, no matter whether it is land grant or land purchase, it does not constitute a transfer of ownership, only the right to use is transferred. Guojia’s land is state-owned, and no collective or individual is allowed to buy or sell it.

Turning down a bank for an interest-free loan may seem like a fool's errand.

The refusal of the land approval and the request to buy the land is unavoidable. However, when Kleist’s funds are in place, the design sketches are drawn, and the construction unit has even been negotiated, it seems that there is no reason to suspect that they want to lower the price. Take the land and resell it.

Besides, Kleist has always had a good reputation above.

In the end, 432 mu of flat land was sold at a unit price of 8,000, and 620 mu of mountain land was sold at a unit price of 2,500.

The total price is 3.3 billion.

Don't think 3.3 billion is a lot.

Kleist spent 4 billion yuan to buy the 800 acres of land.

At that time, the land price in this area was underestimated, and several big real estate developers who owned land fled one after another, and there was no one to find a successor.

And now.

During the five-year sideways period from 2010 to 2015, housing prices across the country basically did not rise or fall, speculation disappeared, inventory continued to increase, real estate investment growth slowed down significantly, and real estate sales area and sales fell year-on-year. Declining profits in the real estate industry, slowing turnover, and stalled scale growth have all started to appear together, and real estate companies have experienced relatively difficult operating conditions.

The market's pessimistic expectations for the real estate industry are also increasing.

Until the end of 2015, destocking began to stimulate real estate, and housing prices skyrocketed in first- and second-tier cities.

At the same time, the big stock market crash in the summer of 2015 caused most of the funds in the stock market to be trapped in the ocean, and the funds that escaped from the stock market crash and other idle funds could not find a place to invest in the country for a while. The entire market lacks high-quality assets that can be invested, resulting in large-scale low-cost funds entering the real estate market through asset management companies and fund companies.

Under multiple stimuli, real estate companies around the world have also begun to charge high prices for that land, constantly refreshing the transaction price of the king of land.