Break out of the courtyard

"Ask him to bring a copy of the housing price information of various districts in the east capital of Japan." Zhang Heping said casually to his wife Chen Shuting, who was holding the phone.

As Zhang Heping's assets skyrocketed and his debt of approximately HK$6.7 million in principal and interest was due in October, Huifeng Bank's account manager came to solicit business again.

The current Hong Kong dollar interest rates are extremely low, while the magnesium dollar interest rates continue to rise. Banks in Magnesium offer 15% interest on magnesium dollar deposits, while Huifeng Bank only gives 10.5% interest on magnesium dollar savings.

Therefore, since last year, many Hong Kong Islanders have exchanged magnesium dollars and put them in banks to earn interest.

This is also the reason why it is so smooth for Xiongqi Wine to pay with magnesium yuan, because rich people are using magnesium yuan recently.

However, Huifeng's bankers have a big business and don't care about the income brought by the deposits. Loans are the business they value.

Gray intermediary fees are a key income item for Huifeng Bank’s internal staff.

Therefore, Zhang Heping, who owns more than 50 billion in gold, stocks, and real estate, is what they think of!

Zhang Heping doesn't care about the intermediary fees. What he cares more about is the value-added services that Huifeng Bank provides him.

Perhaps it was to share the account manager's commission, or perhaps because Zhang Heping's assets were so strong that he was a super VIP. Huifeng Bank Chairman Shen Bi, Chief Executive Officer Wei Li, and the bank account manager who had been serving Zhang Heping conscientiously all came.

When the three of them came over, they happened to meet the Zhang family's driver and bodyguard taking their six children out to study. The two classic cars in front and behind were inconspicuous, but the Hongqi car in the middle was too eye-catching!

The outside world thought that the Hongqi car was given to Tang Ming, a member of the Chinese People's Political Consultative Conference. Some said it was compensation for him, while others said it was bought by him to show his face. There are different opinions.

However, one thing is worthy of affirmation, the Tang family is very powerful.

Especially, Xiongqi wine, which has become very popular recently...

"Welcome Chairman Shen and Mr. Wei!" After Zhang Heping shook hands with the two, he nodded and smiled at the account manager, and invited the three of them into the living room of Villa No. 9.

After Zhang Heping and other nannies came over to ask the guests what they were drinking, they smiled and said, "I originally just wanted to know about the house prices in Rishima, but I didn't expect to alarm both of you two busy people."

"Every investment made by Mr. Zhang is a big business for us and deserves to be taken seriously." Wei Daban was the first to compliment: "Mr. Zhang, are you planning to liquidate the assets of Hong Kong Island to buy real estate in Japan? Or are you going to take out a loan?”

"Gold!" Zhang Heping looked at Chairman Shen who was silent and said with a smile: "I want to sell all my gold this year at a price of 500 magnesium yuan an ounce. I wonder if you can contact buyers in the Middle East?"

The account manager was glanced at by Wei Daban and hurriedly came out to explain: "Mr. Zhang, although the gold price rebounded last night, it was only 232 magnesium yuan per ounce."

Zhang Heping ignored the account manager and still looked at Chairman Shen, "Don't worry, you know, I like to make long-term investments. When the gold price goes up, you can contact me again. Remember, they are Middle Eastern buyers. Their "More magnesium!"

"Hearing what Mr. Zhang said, I want to buy some gold!" Chairman Shen said, and asked Wei Daban and the account manager to write down this request in a small notebook on the spot and find a buyer in the Middle East to collect the gold.

After the nanny brought three cups of coffee, Chairman Shen spoke again, "Is Mr. Zhang interested in controlling Hutchison Whampoa?"

Zhang Heping was a little surprised. Shouldn't Hutchison Whampoa be sold to the Li family?

But think about it, he owns 10% of Hutchison Whampoa stocks, and Huifeng Bank has more than 12%. If he agrees to the other party, Zhang Heping can own 22% of the shares.

However, this ratio is only the second largest shareholder of Hutchison Whampoa. If he wants to control Hutchison Whampoa, he has to spend money to buy it, which will consume a lot of his funds.

Zhang Heping picked up his tea cup, thought for a moment, shook his head and said: "Forget it, Hutchison Whampoa's efficiency is not good."

Zhang Heping's words may seem arrogant to outsiders, but this is a multinational company.

But in the eyes of Director Shen and Wei Daban, it seemed real and cruel. The Chinese named Zhang was indeed very good at making money.

"Is Mr. Zhang willing to transfer his Hutchison Whampoa shares?" Chairman Shen asked again.

Hearing the other party's urgent question, Zhang Heping smiled again, "Chairman Shen is sending me money! However, the stock market in Hong Kong Island is starting. What conditions is Chairman Shen prepared to exchange with me?"

Shen Bi seemed to have expected that Zhang Heping would not sell stocks directly, and said with a smile: "How about offsetting your debt?"

The Hutchison Whampoa stock held by Zhang Heping currently has a share price of about 15 yuan and a market value of HK$5.8 million.

The principal of his loan is HK$5 million, and the accumulated interest is HK$1.69 million, totaling HK$6.7 million.

If offset, Zhang Heping could still earn 9000 million.

The key is that when he originally bought that Hutchison Whampoa stock, he only spent HK$8924 million!

"My target price for Hutchison Whampoa is HK$30, and it's only reached HK$15 now..." Zhang Heping said hesitantly.

The living room suddenly became quiet, everyone was looking at Zhang Heping who looked thoughtful, waiting for his next words.

"Okay! If Chairman Shen hadn't helped me facilitate the five-year loan, I wouldn't have been able to make so much money." Zhang Heping didn't pretend for too long, and stretched out his right hand to Shen Bi in a carefree manner, "Happy cooperation!"

"Happy cooperation!" Shen Bi shook hands with Zhang Heping in slight surprise. This was only his minimum condition, and he was still waiting for the other party to bargain!

"If Mr. Zhang wants to control Wharf, I can help you contact the relevant shareholders." Shen Bi, chairman of Huifeng Bank, planned to give some rewards.

"I plan to sell Wharf stocks when the price is 60 yuan." Zhang Heping revealed another selling point and said with a smile: "I may want to invest in real estate in Nishima Todu. I don't know what the interest rate is on Japanese yen loans from your bank. ?”

Shen Bi picked up the coffee, and Wei Daban answered: "The Japanese yen started to appreciate from 1971 to 1 yen. Last year it rose to 360 yen, but now it has dropped to 1 yen to 195 yen." "Does Mr. Zhang want to invest in Nishima Real Estate and wait for the yen to continue to appreciate?"

"Awesome!" Zhang Heping gave the other party a thumbs up without further explanation.

As for borrowing Japanese yen and waiting for the Japanese yen to appreciate to repay in dollars, Zhang Heping did not mention it.

Everyone is not a fool. If Zhang Heping dares to raise it, he will have to accept higher interest rates.

"Mr. Zhang, I have to remind you!" Shen Bi, chairman of Huifeng Bank, said solemnly: "Japanese people are very exclusive. If you invest a lot of real estate in Japan, it may be difficult to realize it in the end!"

"Is that so..." Zhang Heping seemed to be entangled, frowning and asked: "Does Chairman Shen have a solution?"

"You can register a limited company in Ridao and use this company to invest in Ridao real estate; when you want to sell Ridao real estate, you can come to our Huifeng Bank Dongdu Branch to borrow real estate as collateral; wait until Ridao company accounts After transferring the funds to the overseas company, you can file for bankruptcy of the Japanese island company.”

This eagle man is very good at calculating. If he really follows his method, let’s not talk about whether it violates Japan’s tax laws, but only takes the real estate mortgage loan as an example, he is afraid that he will be slapped by Huifeng Bank Dongdu Branch. fracture!

At least 20% loss!

With Zhang Heping’s amount of capital investment and expected returns, tsk tsk…it’s a beautiful idea!

"Okay, thank you Chairman Shen for reminding me! When I encounter difficulties, I will ask Chairman Shen for help." Zhang Heping replied with a smile, and then looked at Wei Daban.

"If Mr. Zhang is willing to use the Viagra powder patent as collateral, Huifeng can borrow 5000 billion yen with a term of 5 years and a compound annual interest rate of 3.8%."

……