Break out of the courtyard

"I want you to introduce me to a bank with low loan interest rates and high loan limits. I need a house mortgage loan."

"Ah?" Chen Shuting, a young stockbroker, was stunned for a moment and asked tentatively: "Are you borrowing money to trade stocks?"

"Yeah! I have too little cash on hand."

When she heard that Zhang Heping wanted to trade stocks, stockbroker Chen Shuting was excited, "You don't need to borrow money from the bank. You just need to open a margin account when you open a stock account at Yongsheng Stock Company."

"At that time, you only need to give a 10% deposit, and you can mobilize 90% of the funds from our company to trade stocks."

This margin account is an early credit account, the same as financing and leverage.

"The risk is too great and it is easy to close the position. Plus I am leaving Hong Kong next month and have no time to look at stocks." Zhang Heping frowned and said: "In addition, I need to borrow about 3000 million for one year. Do you have any?" Bank recommendation?”

"3? 3 million? Stock trading?" Stock broker Chen Shuting was shocked. You must know that her monthly guaranteed salary is only 100 yuan, and she doesn't have a single client yet!

"Is there any problem?" Zhang Heping stretched out his hand and waved it in front of the other party's eyes. "Since your company can open a margin account, it means that it can borrow money from the bank. Go back and ask your boss if you can help me get the lowest loan interest rate, and Maximum loan amount.”

"Tomorrow, I'll call you!" Zhang Heping walked around the still confused little girl and walked straight away.

Back in the car, Tang Xin took Zhang Heping's business card between his fingers and looked at it, then asked casually, "Are you ready to trade in stocks?"

"Yeah!" Zhang Heping hugged his second daughter, Zhang Nan, and said casually: "House prices have almost risen. Rich people will feel that it is not worthwhile to continue investing in houses, and will most likely look at the stock market."

"The Hong Kong stock index has more than tripled in the past three years, which should be due to the inflow of international funds into the Hong Kong stock market. This year and next will probably be their final battle. We can ride on this wave and double our assets. You dare?"

"You make up your mind about major family matters, and I will listen to you." Tang Xin returned the business card to Zhang Heping, and asked: "How much money do you plan to spend on stock trading? Do you want to sell some houses?"

"No need!" Zhang Heping looked at Tang Xin and said with a bad smile: "I am going to take all the properties under my name to the bank as mortgage, buy all the shares of Sir Zhou's milk company, and urge him to send fresh and good milk to our baby. "

"Sir Zhou's milk company?" Tang Xin thought for a moment and said, "Sir Zhou was in the wrong team a few years ago, and we rarely see him now."

"His milk company's performance is very stable. Unless they use the land in Causeway Bay for real estate, they can significantly increase profits and benefit the stock. Do you think the milk company will engage in real estate?"

"As expected of my wife, who is a student at Capital University, she reacted so quickly!" Zhang Heping said with a smile:

"Whether the dairy company will engage in real estate, I can't guess. But, using such good land in Causeway Bay to raise more than a few hundred cows, isn't it too wasteful? Now that housing prices have risen so high, other real estate companies must be greedy!"

Zhang Heping finished talking about stock trading in a few words, and then talked about the issue of housing mortgage loans.

After returning home, my wife Tang Xin made more than a dozen phone calls.

Finally, Huifeng Bank provided a loan line of HK$2580 million, with a one-year interest rate of 5%, which is currently the largest loan line and the highest interest rate.

The next morning, Zhang Heping called stock broker Chen Shuting. The other party's boss answered the phone. After asking about Zhang Heping's real estate situation, he gave him a loan line of 2300 million yuan with an interest rate of 4%. It was a Chinese-owned bank.

After comprehensive consideration, Zhang Heping chose Huifeng, firstly because they offered a large loan amount, secondly because they could act as agents for gold trading and vault services, and thirdly, it was convenient for them to exchange foreign currency, such as Japanese yen.

After making an appointment with Huifeng Bank for loan business in the afternoon, the next morning, Tang Xin invited a female lawyer from a law firm that Heping Real Estate Company had often cooperated with to accompany them to the bank to open an account and obtain a loan.

After that, they went to the Chinese Bank Building on Red Queen Avenue to check the qualifications of Yongsheng Stock Company. Then they opened a stock account with stock broker Chen Shuting in Tang Xin's name, with a commission of 1%.

Walking out of the China Bank Building, Zhang Heping held hands with his wife Tang Xin and said with a smile: "Are you afraid that you owe 2580 million yuan?"

The reason why Zhang Heping used Tang Xin's name for loans and stock trading was mainly because stock transactions at this time were a bit troublesome. Buying and selling required personal signature for confirmation.

"Don't be afraid!" Tang Xin stretched out her other hand, held Zhang Heping's right arm tightly, and said with a smile, "I believe you!"

Zhang Heping put the female lawyer into the car and asked the driver to send the lawyer back first, leaving the couple alone.

Afterwards, Zhang Heping took his wife Tang Xin to visit the Red Queen Avenue and walked towards Central.

"Although our properties are not appraised high, the market price is there. As long as we sell all the properties this year and next, we can conservatively recover 3000 million yuan." Zhang Heping explained to his wife Tang Xin while looking at the high-rise buildings around him. :

"For the milk company's stocks, if there is still no good news related to real estate by the end of November this year, all stocks will be sold regardless of profit or loss."

"Then, we will start selling our real estate, and after paying off the bank loan, we will buy all gold spot and deposit it in Huifeng Bank's vault!"

Tang Xin listened carefully to Zhang Heping's arrangements, and then asked: "If the milk company releases good news about real estate, how much should we sell it for?"

"If the stock price per share exceeds 200 yuan, let Chen Shuting sell it in batches. Don't be greedy!" Zhang Heping frowned and thought about several articles he read in his previous life.

Those articles that deceive traffic said that in the Hong Kong Land Milk Drinking Incident, Jardine Matheson’s Land Company was worth 5 yuan per share, and the Chinese Milk Company was worth 7 yuan per share. The milk company’s stock price was as high as 5 yuan.

But the reality is that neither of these two companies has such a low price, and the next year will be a bull market, and there is no chance for them to fall to that low price.

So, the only explanation is that those articles that deceive traffic use "pre-right restoration" and adjust the historical stock price forward to achieve a low price of 7 yuan.

Four seven twenty-eight, four six two hundred and four, Zhang Heping made a rough "post-rights restoration" and speculated that the milk company would be adjusted to a minimum of 28 yuan per share and a maximum of more than 240 yuan.

Therefore, he gave stockbroker Chen Shuting instructions to complete the position before the 27th of this month; there would be a buffer of more than days to prevent the average price from being too high.

"200 yuan!" Tang Xin heard that the price had increased nearly seven times. If that were true, their family would be billionaires.

"Sir Zhou has a wide network of contacts and there is a possibility of cooperation with Chinese real estate companies, but it is difficult for the stock price to reach 200!" Tang Xin followed Zhang Heping's thinking and analyzed the feasibility of this price.

"Didn't you say that he is on the wrong team?" Zhang Heping said with a smile: "Do you think foreigners will take the opportunity to maliciously acquire the milk company?"

"If foreigners take action, it will be a battle to defend Chinese capital!" Tang Xin thought for a while and said, "If this kind of news is hyped up, the price may really go up to 200 yuan!"

"Don't focus on the number 200. When the market reaches its peak, you have to sell. Don't wait until foreign capital withdraws. It will be ruined in our hands." Zhang Heping looked at his wife Tang Xin and suddenly changed the subject: "Let's go see a movie and spend the night tonight." How is the world between two people?"

"No! I haven't seen the children all day."

……