Fight to the third generation

It is a good thing that can be mortgaged by the bank and directly loaned out.

Ever since Nong Qingying opened the door to the new world of "take a house loan and then invest", in Su Yehao's eyes, everything can be loaned, and the interest is not in his consideration at all.

If it wasn't for him to be the master, the Sihai International Hotel, the golf course, and the Sihai International Building in Central would have already been pledged to the bank.

In just half a year, he has lost at least a billion dollars.

Su Yehao's thinking is simple and simple - if you don't make the money you should make, then you are losing money.

Mr. Tang said speechlessly: "Don't just talk but don't practice. How can you give me a baby? The house has been given to you, and you have used it to make money with a loan. At the age of 19... you can start preparing. Otherwise, I will arrange for some granddaughters of friends to meet you?"

Watches and the like are nothing, these are the most important things in the eyes of his grandfather.

After hanging up the phone.

Su Yehao felt relieved, and turned his head to Nong Qingying and said: "You heard it too, I didn't lie to you about the child's surname Tang, did I? It's really more profitable than a listed company. The two promised before are not enough, and I will give away another one. Now there are going to be three."

"Fuck you, I don't want to have three, at least not in the last few years."

Squeezing her waist, Nong Qingying said worriedly:

"It's hard to maintain my current figure. After giving birth, how can I wear a navel-baring dress? Let's talk about being chic for a few years. Remember to share half of it with me..."

Chapter 168

The news about taking Big Wave Bay Road and the penthouse as a mortgage has just appeared in the newspapers.

In the Gangcheng branch of Daiichi Kanye Bank, several account managers couldn't sit still immediately, because it was also written in the newspaper that the news was spread from the mouths of "a certain bank insider".

And these people, recently, have indeed often used the name of Young Master Su as a typical example to sell loans and wealth management products to other customers.

If you don't call yourself, you are guilty of being a thief.

Doing so is clearly a breach of the rules that disclose customer privacy.

It doesn't matter usually, but when it is published in the newspaper, the nature is different immediately.

A small supervisor sent by the Japanese headquarters ran to report the matter to his superiors. The vice president became angry on the spot after hearing this, mainly because he was worried that the reputation of their bank would be damaged and a large customer with a loan of hundreds of millions of Hong Kong dollars would be lost. , I must apologize and appease properly.

And just like that, the ball was kicked back into the hands of account executives.

After spending a lot of time thinking about it, they decided to send representatives, apply for money to buy gifts, and come to the door to apologize.

Considering the potential interest relationship behind Su Yehao, that is, Earl Medical Group of the Tang family and Sihai International Group, the chief executive of the Hong Kong branch of First Quanye Bank, he readily approved the budget, which was a full 20 Hong Kong dollars.

The little supervisor in charge of the account managers personally called Su Yehao to inform Su Yehao of the matter according to the number reserved during the loan, and asked him what compensation he wanted.

Su Yehao, who hadn't planned to pursue it after learning that he could pick anything within 20 Hong Kong dollars, suddenly regained his spirits.

He has nothing missing. He has a watch worth millions of dollars on his wrist, a Rolls-Royce worth more than 1000 million Hong Kong dollars, and he has no chance to live in the billion-dollar mansion on Big Wave Bay Road.

For a while, I really couldn't think of what was missing.

Simply let the other party buy three different styles of Hermès handbags, intending to give them as gifts, so as not to have to pay for them.

Although the account managers of First Quanye Bank couldn’t figure out why they wanted to buy three handbags in different styles, they obediently complied.

The next day.

During the purchase, I called Su Yehao again to ask what style and color he wanted.

In the end, he chose the orange platinum series and the white Kelly series, and let the account manager choose the other one, as long as it is beautiful.

As a super VIP of the bank, the service attitude is really different.

Although there is still a certain gap between the price and the Hermès limited edition crocodile bag of the second aunt at home, but fortunately, none of the girls around me are too vain, so they have to choose the best.

As a gift, it's just right.

Whenever there are New Years and festivals, you can also send some jewelry, feasts and travel.

woman.

No matter how good the relationship is, they always have to be coaxed.

……

It happened to be Saturday.

Nangong Tian participated in the activities of the aerobics club and accompanied a group of girls on an outing in Lantau Island.

Su Yehao didn't go.

Last night, he and Nangong Tian rarely lived in the mansion on Big Wave Bay Road, feeding the fish and arranging for cleaning.

Otherwise, such an expensive house is left unused here, and I always feel that I have lost a lot of money, losing five or six thousand rents every day.

Just this house, according to the annual rent of 200 million Hong Kong dollars, it can be easily rented out. If you come to Big Wave Bay Road to buy land and build a house, it will cost hundreds of millions of dollars. Compared with the two, renting a house is very cost-effective, and Hong Kong City never lacks There must be a market for the rich.

It's just that Su Yehao always feels a little uncomfortable when he thinks of letting someone else live in the new house. At the same time, he doesn't lack the 200 million yuan, so he simply keeps it in his own hands.

Although it hurts, it is very cool to live here occasionally.

Especially the mattress, which is full of elasticity and requires no effort.

Don't ask him how he knows.

Just tried it last night...

The vice president of First Quanye Bank personally brought his subordinates over to apologize.

He said sorry, bowed, and handed over the orange bag with the Hermes logo printed on it. In addition, he also had the membership card of the race track, the annual card of the hot spring club, a thick stack of buffet coupons for the Peninsula Hotel, etc., which made Su Yehao quite satisfied.

He was no longer the Su Yehao who could be satisfied with just a cup from the bank, but the compensation worth more than 20 yuan still seemed quite sincere.

It happened that the old man called in the morning and said that he would donate 1000 million Hong Kong dollars to the church charity in the name of the woman next door. The matter of the watch has been resolved by taking the opportunity, and the price is still lower than expected.

Su Yehao took the opportunity to ask the vice president about taking the collection as collateral and continuing to lend 2000 million Hong Kong dollars.

That kind of watch is no longer just a watch, but more like a wealth management product and a valuable artwork. The vice president discussed on the spot to find a professional appraisal agency to issue a certificate.

The more cash on hand, the better.

In addition, Mrs. Tang has agreed to let him manage the tens of millions of Hong Kong dollars stored in the Standard Chartered financial institution, and Su Yehao's wealth has increased again.

If you don't consider the TAT chat room, which currently has only [-] registrations and a maximum of [-] simultaneous online users, there is nothing to say about these days, and there is almost nothing wrong with it.

……

The person who led the bank walked around in his yard.

The amazement and envy in their eyes... Su Yehao found out and was very satisfied with it.

After sending these guests away.

After looking through the gifts from the bank, Su Yehao called Nong Qingying and asked her if she would like an orange or blue bag.

Nong Qingying already has an orange Hermès Birkin bag.

Su Yehao asked in advance, and he was right.

Bringing a sky-blue Hermes Roulis handbag, I went to look for Nong Qingying in the Shangfeng and Sheungshui community. It was near noon, and after sitting at home for a while, I went to Fulinmen Restaurant for lunch.

afternoon.

Su Yehao took Nong Qingying to the wealth management company under the Standard Chartered Bank. He accompanied his mother last time, and everything was still the same.

The company's public and private offerings are separate and located on different floors.

The private equity department is luxuriously decorated, and the investment threshold is set at 100 million Hong Kong dollars, which is neither high nor low, enough to keep most of the middle class out.

Assets of 100 million Hong Kong dollars and being able to spend 100 million Hong Kong dollars for financial management seem to be the same thing, but there is a difference. The latter is often richer.

The account manager responsible for receiving them is named William in English.

After learning about Su Yehao's intentions, Mr. William was a little embarrassed and told:

"According to the company's rules, fixed-term private equity products have not expired and cannot be redeemed in advance. The product you bought is mainly invested in the UK and Australian markets. It has high returns and is guaranteed. It has not been affected by the financial risks of Hong Kong City recently, Young Master Su. Why would you want to redeem it early?"

"Because I'm short of money to invest, I recently started a company and invested millions of dollars without even a splash."

Su Yehao crossed his legs and asked:

"So the more than 3000 million shares of Berkshire Hathaway can be liquidated and cashed out at any time, right? Only the more than 2000 million from the private equity side cannot be used? Can you please think of a way for me, when the time comes It will still be placed in your company, and I would like to ask you to buy another company’s stock for me, about 5000 million Hong Kong dollars, which is equivalent to just changing the financial management project and will not affect your performance.”

After hearing this, Manager William smiled and said:

"Master Su, you misunderstood. It's really because of the company's regulations and closed management. But... there are solutions. For example, you give up part of the proceeds and transfer the contract to someone else, and the buyer directly calls the money to For you, it means that they can save time and earn more interest money, while you can get the funds as soon as possible."

Su Yehao sorted it out carefully, understood the meaning of the other party, and asked William: "Your company also had this kind of operation before? Is it safe?"

"Of course there will be customers who are temporarily short of money. The process of trading through our company is also very safe. But the premise is that you must first find a buyer who is willing to take over the order. I will help inquire about it. More than 2000 million is not a small amount. The number, maybe you have to wait patiently for a while."

As soon as Manager William finished speaking, Su Yehao continued to ask: "Then can I sell the order directly to my mother?"

"...It's better this way, so as not to suffer a little more."

William, who was wryly smiling, asked curiously: "Master Su, your mother is so rich, and her name is on the list of the richest women in Hong Kong, so just ask her for money?"

Su Yehao smiled, and told him calmly: "It's better to be more clear. I want to achieve success through my own efforts, so as not to be said to rely on my family's bad money."

This sounds a bit embarrassing.

The corners of Manager William's eyes twitched slightly, ignoring his conscience, and praised: "It's really rare to see a young man like you now. Others only eat and drink with family money and lack ambition. You are different, Young Master Su. Look It belongs to those who can do great things, no wonder your mother trusts you to manage so much money by yourself."

According to the company's regulations, if one more deal is closed, the bonus and commission can be a lot more.

Of course William was very polite.

When flattering, he didn't even blush.

"Fortune tellers say that I am a born god of fortune, and those who believe in me will definitely get rich, which is definitely different from those second-generation ancestors."

Su Yehao was half joking and half serious.

Sit down and negotiate the fees for managed funds and the details of cashing out Berkshire Hathaway stock.

Since buying Berkshire Hathaway shares at the end of March this year, the rate of return has been 9.49%. It just happened to hit a small bull market in the US stock market.

At the beginning, I bought a total of 3000 million Hong Kong dollars, and now I have earned more than 280 million yuan. I can't get it until Monday, Eastern Time, and the market is closed on weekends.

According to Mr. William, it may rise at the opening of the market on Monday, and there is still a chance to round it up and earn more than 300 million Hong Kong dollars.

Of course, it may go up, or it may go down.

As for the more than 2000 million private placement, Su Yehao called his mother on the spot, and his mother was willing to take over.

Su Yehao only needs 2000 million.

The income in the past six months should be regarded as filial piety to my mother, there is no need to worry about the more than 100 million yuan...

Nong Qingying listened the whole time.

She only thinks that her man is a bit handsome, talking about a tens of millions of business is an understatement.

After leaving the wealth management company, Su Yehao remembered something and asked, "Xiaoying, how is the business of your Pilates club after it reopens?"

Mentioning this, Nong Qingying became angry.

She shook her head and said, "It's not very good. In the past, relying on the status of a fake daughter-in-law, I still had the opportunity to personally sell and attract customers, attracting some famous ladies to come to exercise. Now people go to tea, and the reputation of the club is not as good as before. It was much more difficult to start a business last time, and I feel sorry for my 120 million rent."

"It's a big deal to sublet it out, or open a high-end restaurant or bar. There are many rich people in the middle of the mountain, and there is nothing to lose."

"...By the way, Ahao, I remember you have a restaurant in Las Vegas, or should we partner?"

Nong Qingying smiled and asked: "The fortune teller really said that you are a born god of wealth? No wonder my business is not easy to do, maybe because I didn't bring you with me this time. Let's open a restaurant together. It just so happens that you have experience."

Su Yehao immediately thought of Yin Liuli.

I am worried that the life trajectories of the two women will overlap one day in the future, which will eventually cause Mars to hit the earth.

therefore.

He shook his head resolutely, and made an excuse to tell him, "Let's forget about my restaurant. It's of ordinary price and grade. I'm afraid those rich people will look down on them and feel superior."

Nong Qingying's identity has changed.

The guests in the clubhouse used to be very realistic, and they began to alienate her one after another, which made Nong Qingying disheartened, and gradually had no expectations of continuing to operate the Pilates clubhouse.

She was worried that the shop rented at a high price would remain idle for a while, so she went on to say:

"Double the price of the dishes, the decoration environment is more elegant, I think it may be successful. There are only a few people living in the middle of the mountain and the top of the mountain, and the main income is to attract customers from other places. Speaking of going to the middle of the mountain for dinner, it is very stylish and suitable for couples dating. They can see the night view of the city at night, so they should be willing to pay more... Oh, are you worried that Aunt Hua will find out and tell your mother?"

"Huh? Absolutely not."

Su Yehao was worried that this girl was thinking too much, so he immediately stated his position, and found a reason to say: "It's so easy to buy Yahoo with me, but it's easy to lose money when opening a restaurant, and the risk is too great."