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Xu Huizhen felt her horizons were broadened, but she raised a concern: "However, with so many families nowadays, a house that is too big may result in high costs.

"You can find a bank to use your property as collateral for a loan and repay it in monthly installments. This is called a home loan and is very common in Hong Kong Island," He Yuzhu suggested.

“Oh, they’re called pre-sale properties.

Xu Huizhen nodded in understanding.

Although she had gained a lot today, she understood that one person’s power was limited and she needed a complete team, and might even need to hire professionals from Hong Kong Island.

The initial framework needs to be built, and even if we act decisively, it will take time.

Xu Huizhen is busy with work, and Chen Xueru comes to visit again.

She already knew about Xu Huizhen's news and was just observing from the side.

After Xu Huizhen came back from Hong Kong Island, Chen Xueru could no longer sit still and brought her husband Fan Jinyou directly to He Yuzhu's house.

"Zhu Zi, has Xu Huizhen come to you for cooperation again?" Chen Xueru asked after sitting down.

"420"

He Yuzhu smiled and said, "Sister Chen, you should have known this news a long time ago. Now our two families are already relatives!"

"Isn't the import and export business done together?"

Chen Xueru curled her lips and said, "I went with her. When we look for partners, we act together. Of course, we all make money.

"What a shame, you missed your chance.

“It’s nothing to regret, I don’t need to do such a risky business.

"He Yuzhu shook his head and asked, "Sister Chen, are you here for the real estate project this time?"

"Yes, I can do what she can do.

"Chen Xueru replied.

"Then why don't you cooperate?" He Yuzhu frowned, "Since we are relatives, why do we have to argue?"

"There will be no conflict between the in-laws. Zhuzi...my sister wants to do it. Are you willing to join?" Chen Xueru asked.

“Of course, I accept everyone.

"He Yuzhu said: "You two are strong women. I am happy to make money with you. I will own 49% of the shares.

"Anything else?" Chen Xueru asked with raised eyebrows.

"Of course, I will tell you what I know.

"He Yuzhu replied: "You can also go to Hong Kong Island to investigate in this regard. You know Lou Xiao'e, and she can introduce some suitable companies to you."

"That's great, it's settled, I'll go register the company tomorrow.

"Chen Xueru nodded with satisfaction, and so did He Yuzhu, but Chen Xueru would be more strict in fund supervision.

After all, her and Fan Jinyou's son is not very promising!

The life trajectories of Xu Huizhen and Chen Xueru deviated. They no longer considered opening a travel agency, but instead targeted the real estate industry.

At that time, the real estate market had not yet prospered, and there were very few people capable of investing, but there were many people with abundant resources.

……

Two real estate companies were established in the city of Hong Kong. They began to form their own engineering teams, hired engineers from Hong Kong Island, and started planning the parks and buildings.

He Yuzhu gave the same advice, making the two models similar, with both strong women committed to building their own brands.

He Yuzhu provided many suggestions for the parks they designed respectively, such as activity centers, which can not only provide convenience and improve service quality, but also bring profits.

For example, the swimming pool in the park is a good way to generate income.

Develop your own property management team and have your own engineering team to carry out construction, which can save costs and ensure quality.

If the project is put out to external tender, the quality of the project will be difficult to guarantee, so it is crucial to have one's own technical qualifications.

In the long run, we can build higher-level buildings and at the same time cultivate our own design team and cultivate talents from the beginning to be more competitive in the future.

(The establishment of the real estate company is progressing smoothly, and the design of the park and buildings has been completed.

But Xu Huizhen and Chen Xueru had another dispute over land division.

Because being too close may affect sales, they plan to divide their respective development areas, but everyone knows the good locations in the city, and the best ones naturally become the focus of competition.

In fact, He Yuzhu believes that there is no need to argue. It is definitely not suitable within the first ring road, but there is still a lot of space within the second ring road.

Finally, He Yuzhu took out a piece of paper and tore it into four pieces, marking them as east, west, south and north respectively. He asked the two people to take two copies each and decide the development area based on the directions they took.

"Is that fair?" he asked.

）

“As for the land auction, forget it. After all, I have invested in both of your companies. If you compete among yourselves, I will lose money.

"After He Yuzhu said this, both of them were too embarrassed to argue anymore. After all, their original intention of seeking investment from He Yuzhu was to solve the funding problem.

At that time, the real estate market had not yet expanded wildly and there were only a few participants. First, the land had to be purchased, then the buildings had to be built, and finally they had to be sold, which required a lot of money.

If the capital chain breaks, the project may fail. At that time, there was no concept of pre-sale.

Even for home loans, they discuss together and provide loan services to home buyers. The specific operation methods depend on the situation.

Xu Huizhen and Chen Xueru negotiated with the bank together and the progress was quite smooth.

He Yuzhu did not participate in any aspect of the groundbreaking ceremony. After all, they were all busy all day and it was difficult for him to take care of both.

"Tell me, is it really okay for Xu Huizhen and Chen Xueru to be like this?" Wen Li complained, "Don't you feel embarrassed being caught between them?"

"Besides, they are relatives, so you are not pleasing both sides?" He Yuzhu smiled and said, "Let them do what they want.

"As long as I can make money, that's all," he continued, "and I don't have to do the work myself..."

At this time, there was a knock on the door. He Yuzhu was startled and then stood up. If it was an acquaintance, he would open the door directly.

When he opened the door, it was Xu Damao. "Hey, Damao, why are you here?"

"Hey, buddy, I'm here to talk to you about something!" Xu Damao is in his fifties and has not retired yet.

"Okay, come in!" He Yuzhu invited him in. Liang Ladi didn't come, so he was the only one who came in pushing his bicycle.

"Hey, it's nice to have your own yard!" Xu Damao exclaimed, "But yards are not cheap nowadays.

“Indeed, it has increased several times compared to when I bought it.

He Yuzhu echoed.

The two came to the courtyard. Wen Li was surprised to see Xu Damao and asked, "It's...Xu Damao?"

“Wen Li, my wife is at home taking care of her grandson, otherwise she would have wanted to come too.

"Xu Damao said happily.

"Come together next time, just to look after the kids.

"Wen Li asked Xu Damao to sit down and poured him a cup of tea. "Is your family very lively now?"

“It is lively, but with so many children, the place seems small.

"Xu Damao sat down and said, "I heard that you are in real estate, so I came here to ask..."

He Yuzhu suddenly realized that when Xu Damao's family had four children, life must have been lively with their two children.

"Every house has an attic, how can it not be big enough to live in?" He Yuzhu asked.

"We are just making preparations in advance," Xu Damao replied, "House prices are getting higher and higher, and we are thinking about selling a few units.

He Yuzhu nodded in agreement and continued, "Your idea is very good. Buy the house as early as possible. This time I am working with someone else. I participated in the design of the house and the planning of the park. It will definitely be cost-effective to buy it.

“Now is probably the lowest price, and you can buy it as soon as the house is built.

"

"I feel relieved when you say that, but what about the price?" Xu Damao asked, "It's too expensive and we can't afford it.

"Don't worry, your children all have jobs, right?" He Yuzhu suggested, "Just apply for a mortgage and pay the bank a portion every month.

“To put it simply, it’s fine for each of your children to buy one set, and you can just pay it back over time.

"What's the matter with the mortgage?" Xu Damao looked confused.

He Yuzhu went on to explain, and Xu Damao suddenly realized what was going on, so he asked, "What if I sell the bungalow?"

“We have already issued the documents. Those are ancient buildings and will not be demolished.

“It cannot be sold. Simply put, things are valuable because they are scarce.

There will be fewer and fewer bungalows in the future, so their value will naturally increase.

"He Yuzhu said: "You keep them now and don't have to do anything. Twenty years later, those houses can be sold at sky-high prices.

Xu Damao touched his chin and nodded slightly: "That makes sense!"

“Then don’t sell it!”

"Zhu Zi, remember to ask me for advice when you buy a house!"

"Don't worry about this, I will leave you a good choice.

He Yuzhu promised, “I’ll help you with it when the time comes.”

"Hey, I came here for another thing. Second Master has a way to get steel.

Do you think it's okay for me to cooperate with him?" Xu Damao asked again.

“This can be done, but it certainly won’t last long.

There is a shortage of steel in the country now. It may be feasible for you to trade it a few times, but it is definitely not feasible in the long run.

"He Yuzhu said: "It's better not to resign. You should continue to work. Anyway, you are only a few years away from retirement."

“You still need retirement benefits, after all, your working hours are more flexible.

Xu Damao also thought it made sense. After all, this matter was indeed not sustainable, and it was all thanks to an apprentice among the second uncle's Liu Hai.

This apprentice came from a poor family, but he was diligent and studious, and Liu Haizhong provided a lot of help, especially financial support.

Therefore, the apprentice has now become successful and has become the director of a steel plant, and can give Liu Haizhong some steel quotas.

He Yuzhu did not stop it, after all, stopping it would easily cause dissatisfaction, but he also reminded Xu Damao that this would not last long.

“Da Mao, not all businesses are suitable for you.

"He Yuzhu said, "The market is in chaos now, but it will definitely be rectified in the future.

Just make some money, don't break the law.

“Especially, you can’t listen to other people’s sweet talk about how to make money.

If it's that easy to make money, why don't they make it themselves?"

"Okay, I get it, you're doing this for my own good.

Xu Damao nodded to show his understanding.

Then, He Yuzhu asked about other things: "How are the second uncle's and the third uncle's families?"

"The second uncle's three sons still haven't come back.

He wants to make money by dealing in steel, and then all his sons will come back, right? "Xu Damao said with contempt, "He also knows his sons' personalities.

"As for the Third Uncle's family... they opened a small hot pot restaurant with Yu Li in the Glasses City. They saw that your Sichuan restaurant was making money, right?"

"They also opened a Sichuan hotpot restaurant, and business is OK, but it's hard for the three aunties.

After listening to this, He Yuzhu shook his head secretly: "Tsk tsk, the two families are still the same, we can't control them.

I also advised the third uncle at the beginning, but the result was still the same.

He asked again: "What about Yi Zhonghai?"

"Yi Zhonghai is now being taken care of by Qin Huairu's family. He gave up his position to Banggeng, and the deaf old lady's house was also given to Banggeng to live in.

Now Bang Geng is getting married soon.

"Xu Damao said," It seems that he is doing well.

“After all, Yi Zhonghai owns two houses, and when he is gone, these houses will belong to the Jia family.

"Not bad!" He Yuzhu nodded slightly when he heard this. It seemed that the atmosphere in the compound was quite calm.

However, it is hard to predict what will happen in the future. For example, the retirement issue of the second uncle Liu Haizhong and the third uncle Yan Bugui is always a thorny issue. "I have to remind the second and third uncles to hold on to their houses tightly. After all, the housing prices there will definitely rise in the future, and their retirement issue will be easily solved.

"That's right!" Xu Damao suddenly realized.

"It's rare for us to get together, why don't we have a drink?" He Yuzhu suggested.

"Sure!" Xu Damao was immediately happy when he heard it, then he remembered something and asked, "By the way, how is your father doing?"

"They probably know I'm doing well, so they've been asking my dad to come back over the years to control me, and the White Widow should still be here!" He Yuzhu said, "As long as she's here, my dad won't come back, so I ignore them.

“They are dreaming of taking advantage of me.

"He Yuzhu stood up and said, "Wait a moment, I'll get some snacks."

"Okay..." Xu Damao rubbed his hands. He didn't drink much because he was spoiled by his wife at home.

He Yuzhu prepared a few side dishes, and the two of them drank and chatted. Xu Damao opened up and talked about the trivial matters in the slum.

But he still had some worries in his heart because the factory's performance was not good, which gave Xu Damao a headache.

But he also understood that he was not young anymore and would have to retire in a few years.

Liang Ladi has retired, which is common among women, and she is at home taking care of the children.

The city would naturally be more lively with more children, but as they thought about the future, they began to think about the issue of housing. Coincidentally, the TV news reported that construction of a new residential area had begun.

Xu Damao and He Yuzhu did not completely cut off contact, and their relationship remained good after recovery.

He Yuzhu is not an ungrateful person. He has never forgotten his friends even though he has become rich.

Xu Damao hummed a little tune and rode his bicycle home. He pushed the bicycle into the gate. Nan Yi's house was right in front of the door, and Nan Yi had no plans to sell it yet.

The house was rented to Qin Huairu's family, and now Xiaodang and Huaihua live there.

He pushed the cart into the front yard and then came to the middle yard, where he saw the second uncle Liu Haizhong and the third uncle Yan Bugui playing chess, with Yi Zhonghai standing beside them watching.

"Da Mao is back?" Yi Zhonghai greeted him.

"You're back. Are the three old seniors playing chess again?" Xu Damao pushed the cart over.

"Oh, there's a strong smell of alcohol?" Yan Bugui noticed it immediately, "Did you just go out to drink? Aren't you afraid that your wife will be angry?"