The world of Chinese style creates a prosperous era for girl groups

At the Xia family in Wen City, the two sisters-in-law were discussing the third child, Xia Haoyang, who was far away in Yancheng. In Yancheng, Xia Haoyang also encountered a problem and was hesitating whether he should consult his family. . .

"Brother, I suggest you consult my sister-in-law. She is most familiar with the financial field and my mother often praises her. You can't go wrong by asking her." Zeng Jingyi explained her views to Xia Haoyang on the phone.

"Let's not talk about this anymore. Are you going back to Yancheng tomorrow?"

"Well, I'm heading to Shashi now. I have to record a program tomorrow. I should be able to come back after I finish the recording."

"Okay, then I'll make you something delicious tomorrow and reward you well."

"I want roasted lamb leg with more cumin, thank you." Qin Jiali, who was sitting next to Zeng Jingyi on Xia's private plane, suddenly interrupted.

"Then should I add more minced garlic?" Xia Haoyang replied speechlessly.

"That's fine. I'm not picky, but use less salt. Oh, and add more chopped green onions and chili peppers." Qin Jiali answered seriously.

Suddenly, a head popped out from the front seat and shouted into Zeng Jingyi's phone: "I want to eat roasted pig's trotters, and roast goose legs. I want the left leg! It was Boss Han who told me that when eating roast goose, you have to eat the left leg."

"Then you might as well roast my leg and eat it."

"Hey, Senior Brother Xia, you are so disgusting. Your legs are so smelly and dirty. How can I eat them? The reason why pork in our country is delicious is because boars are castrated. Pork that has not been castrated has a fishy smell. Europeans and Americans don't eat pork because pork in the West tastes bad. How about you get castrated, Senior Brother Xia? Then your legs will definitely be delicious when they are castrated."

"Minzhi, you have been led astray by Qin Jiali. She was such a lovely girl back then. I hate her so much." Xia Haoyang on the other end of the phone said deliberately with emotion.

"What does it have to do with me? Minzhi is telling the truth. If she really became a bad person, it was you, the bad fat boss, who taught her that." Qin Jiali said dissatisfiedly.

"Fatty boss, I want to eat grilled corn, grilled steamed bread slices, grilled enoki mushrooms, grilled cabbage, and grilled fish." Another little head popped up and said to Zeng Jingyi's phone.

"No problem, you come back tomorrow and we will have a barbecue at home." Faced with Xiao Mengyan's request, Xia Haoyang accepted it.

"The bad fat boss is biased." Qin Jiali pouted and said softly.

He was originally talking to his girlfriend on the phone in a sweet and affectionate manner, but suddenly this incident happened. Xia Haoyang hung up the phone without saying anything more, then thought for a moment and dialed another number.

"Sister-in-law? I'm Xia Haoyang."

"Third brother, is there something wrong?" Kuang Yurou's surprise was justified, because she was talking about him with Sun Na in the yard, and suddenly received a call from him, which really scared her.

Sun Na was also surprised that Xia Haoyang would call Kuang Yurou, but out of respect for her sister-in-law and not eavesdropping on other people's privacy, she nodded to her sister-in-law, then turned and walked towards the living room door.

"Oh, you want to ask about the fund, right? Why do you suddenly ask this? Did someone ask you for investment?" Kuang Yurou deliberately said loudly, then found a chair and sat down.

Sun Na, who was walking towards the gate, obviously heard it, but continued walking slowly. However, Sun Na suddenly lowered her head, gently stroked her belly, her eyes full of tenderness.

"How much do you know about stocks? Do you have the most basic understanding of bonds and funds?" asked the sister-in-law calmly and confidently.

"Actually, I don't want to buy funds. It's like this, sister-in-law. I was chatting with a friend today. One of my buddies, who is a colleague in the company, Juzi and his wife, bought a house in Yancheng before. At that time, they had to pay in installments for 30 years. Because they have money now, Juzi wants to pay it off in advance to save the bank interest. Shenzi thinks that the interest is not much, and now the national policy is to lower interest rates again, and the deposit interest rate has increased again. Shenzi suggested that it is better to pay in installments like this, which will not be a problem."

"What's even more bizarre is that Juzi consulted a professional accountant. It would have been fine if he hadn't consulted her. The consultation made us even more confused. The accountant talked about a lot of things like banks and private funds. We were even more confused. Whether I repay my bank deposit in advance, what does it have to do with private funds? So I wanted to ask you for clarification."

"So that's how it is. I understand what you want to ask." Kuang Yurou smiled and took a sip of tea calmly.

"Really? I don't even know what I said, and you understand this?" Xia Haoyang on the other end of the phone expressed confusion.

"Let me explain it this way: you bought a house in Yancheng for 100 million yuan, and you paid it back in installments over 5 years. The interest rate is about 200%, which means you have to pay the bank a total of million yuan plus interest over years. Do you understand? But for this million yuan, you have to pay to yuan a month for years."

"Yes, that's what I mean. So, do you think I should pay it back in advance or continue to pay in installments?" Xia Haoyang said excitedly.

"Don't be in a hurry, just continue listening to me." The sister-in-law smiled.

"You say."

"After the bank helps you advance the developer's 100 million house payment, it will make a net profit of 100 million from you, but it will take 100 years for it to recover this million, right?"

“Yes, this is interest.”

"Yes, this is the 5% interest you paid for buying a house, but the bank will not wait until 30 years to recover the 100 million, because it is too slow for them to make money this way. They will mortgage your payment to private venture capital companies or some fund companies in exchange for cash. For example, for your payment, the bank advances 100 million and makes a profit of 100 million. After 150 years, the bank will directly sell it to the venture capital company for 100 million. In this way, the bank will help you advance 150 million and immediately recover million. This is cash. Do you understand? You don't have to wait years to get it slowly?"

"I understand. They collect cash, and then use the 1.5 million to help the next person pay for a house. And they can collect cash right away. Damn, banks make a lot of money."

"Haha, yes, this is how money makes money in the financial market, but your account has actually been transferred to a venture capital company, right? Or another fund company or trust company."

"Yes, what about my $200 million? What will those venture capital firms do with it?"

"If the venture capital company doesn't deal with it and waits for you to pay the bank back every year, then he will make a net profit of half a million in 30 years, right?"

“Yes, is this how venture capital firms make money?”

"Haha, of course not. They will put the money into the financial market and sell it under any name, such as in the name of a certain fund, and let ordinary consumers buy it. For example, I set up an angel fund with an interest rate of 2.5% and a limit of 200 million. I will immediately put the money into the market for ordinary people to buy. This means that they can get their investment back immediately, without having to wait for years, and they can also make a profit from the interest difference. The interest income they pay to investors is actually part of your bank loan."