Rebirth 1990: I have three golden fingers

In Shanghai in April, everything revives and spring is in full bloom.

From April 8th to April 9th, Fang Bai plans to meet with the presidents of various banks in Shanghai.

Except for the two previous bank presidents in Shaxian County, Fang Bai was not familiar with several bank presidents in Shencheng City.

Loans from multiple banks are safer and can increase contacts. Otherwise, Fang Bai would directly go to the presidents of two banks in Shaxian County.

Years later, these banks took the initiative to come to us for loans, but Fang Bai was not in the country.

On the morning of April 8, Fang Baixian made an appointment with Chen Jian, the president of Shanghai G Commercial Branch, in his office.

Chen Jian didn't expect Fang Bai to return to China, so he brought two assistants to Xinghai Machinery Company.

After the two parties met, Chen Jian was very enthusiastic about Fang Bai. After all, Fang Bai's personal wealth had reached several billion yuan, and he could be said to be the richest man in Shencheng.

As for Zhou Zhengyi, the richest man in Shanghai in later generations, he will not open Amao Stew until next year and earn his "first pot of gold" in the true sense. In his eyes, Fang Bai is a super boss, unattainable.

After the meeting, Fang Bai talked about the loan and wanted a loan of one billion yuan.

What Chen Jian didn't expect was that Fang Bai wanted to borrow so much. He thought it was only one or two hundred million yuan.

Xinghai Group has many high-quality assets. The two thousand acres of industrial land alone are currently worth several hundred million. If it is converted into commercial land, it will be even more valuable.

In addition to the two thousand acres of industrial land, there are also 600 acres of commercial land, which is also worth 600 million.

However, this is not enough to mortgage a billion yuan.

Chen Jian said: "Director Fang, it is not a problem for your company to borrow one to two hundred million yuan, but it cannot borrow one billion yuan."

Shanghai City's capital management is stricter, but not as loose as Wencheng's. They dared to give Fang Bai a loan of 2 billion without any mortgage based on favors. It was a complete gamble.

Therefore, Fang Bai had no choice but to take out a copy of the order data and a copy of the contract for the management of one billion US dollars by a foreign investment company to prove the bank flow problem and the funds on hand, saying: "Look, one billion yuan is nothing, I I don’t just have this little money on hand, I just need to do things, and foreign money is not suitable for investment in China.”

After Chen Jian read the information provided by Fang Bai, he was very shocked.

"this……"

Fang Bai only went abroad for a month or two and raised one billion US dollars. What kind of magic is this?

That was in Chou Country, and the place was unfamiliar to me. It was not like I could rely on personal connections in China.

Chen Jian was a little embarrassed, and instantly felt that they were stingy. They looked down upon one or two hundred million yuan.

Of course, he also had doubts: "Director Fang, logically speaking, you are not short of several hundred million. I am curious about where the loan will be used?"

"It's just to purchase land for development. I'm not short of several hundred million, but most of the funds have been thrown into other investments and it's not convenient to misappropriate it." Fang Bai told the truth.

Chen Jian hesitated for a moment and finally made a decision: "I have no problem here. I agree to a loan of 500 million yuan with a two-year loan interest of 10.8%. This is our bank's greatest sincerity. You want one billion yuan, but we can't provide it." ah."

Of course, G Bank's loan amount is more than 500 million, but it cannot be all given to Xinghai Group. What if other companies want loans but cannot get loans? Moreover, it is impossible to throw all the risks in one basket, even if it is very stable.

Five hundred million, in this era, is a lot.

"Thank you, happy cooperation." Fang Bai stood up and shook hands with him.

Bank interest rates have dropped. If the loan cannot be used up, Fang Bai plans to repay the previous high-interest loan first.

After settling Bank G, Fang Bai then made appointments with other branch presidents.

Using the same routine, except for Bank Z’s loan of 500 million yuan, there are not many other banks that can lend money.

After two days, Fang Bai borrowed everything he could, borrowing a total of 1.5 billion yuan. The annual interest rate was just over ten years old, which was much lower than the previous interest rate.

He planned to look at the land first, and if there was any remaining funds, he would pay off the high-interest loan first, and then refinance the loan after it expired.

It took several days for the bank to lend, and after a few days, Fang Bai finally got the loan.

On April 15, Fang Bai met with the leaders of Shencheng City and expressed his intention to make a large investment.

Fang Bai has been eyeing the land of Lujiazui a long time ago, and now is the time to enter.

On April 8, 1993, the Shencheng Yangpu Bridge, the world's largest cable-stayed bridge, was completed. YP District reached Pudong New Area faster, and Lujiazui developed even more rapidly.

During the period after the year, Xinghai Group made a large investment of 7 billion in Wencheng, which shocked government leaders across the country.

What a grand gesture!

7 billion yuan can be used to build a skyscraper. The 492-meter Shanghai World Financial Center, which was started in 1997 and resumed in 2003, has a total investment of only 7.3 billion yuan.

One can imagine how significant an investment of 7 billion yuan is in this era.

Now, with Fang Bai's investment intention, the leaders of Shenzhen City welcomed him very much and received him grandly in the courtyard of the municipal government.

At ten o'clock in the morning, Fang Bai held face-to-face discussions with several city leaders in the antique conference room.

Fang Bai introduced Xinghai Group's revenue targets for this year, which are 3 billion yuan for Xinghai Machinery Company and 2 billion yuan for Xinghai Technology Company. Tax payments will exceed 300 million yuan. This year, more than 5 million yuan has been donated to society.

As for companies in other cities and overseas investment companies, Fang Bai did not mention them.

At present, the visible revenue is that of the machinery company and Xinghai Shopping Mall, the real estate company's revenue is somewhat fictitious, and the technology company has not made a penny.

Lu Chaomin, the leader of Shencheng City, expressed his shock at the rapid development of Xinghai Group: "In less than two years, Xinghai Machinery Company has grown from zero to a monthly revenue of more than 200 million yuan. It is an amazing achievement. It is about to move to a new factory. It will usher in great development, which also illustrates the correct path of independent research and development."

"With good national policies and strong support from the leaders of Shenzhen City Government, Xinghai Group is on a fast track." Fang Bai said modestly.

After the two parties were polite for a while, Fang Bo got to the point: "This time, I plan to purchase 100 acres of commercial land in Lujiazui for the construction of Xinghai Plaza, with a total construction area of ​​500,000 square meters, integrating shopping, dining, leisure and A modern comprehensive shopping mall integrating entertainment.

At the same time, it is planned to build the same comprehensive shopping malls in HP District and XH District, with the construction area of ​​each location not less than 250,000 square meters.

In addition, it plans to invest in the headquarters building of Xinghai Group, with a building height of not less than 500 meters. It will be a comprehensive building that will focus on offices and integrate business, hotel, conference, sightseeing and other facilities.

The total planned investment for the four projects will exceed 10 billion yuan. "

The future Super Brand Plaza will cover an area of ​​about 50 acres, with a construction area of ​​about 250,000 square meters and 13 floors.

Fang Bai hopes to acquire one hundred acres of land to build a comprehensive shopping mall with a larger building area and become the largest and most popular comprehensive shopping mall in Shanghai.

As soon as he finished speaking, several city leaders were even more shocked.

Another tens of billions of investments!

A real investment worth tens of billions.

And that includes skyscrapers!

It is of extraordinary significance, a city landmark, and one of the symbols of urban prosperity.

Pudong New Area currently only has one or two large projects, and is very short of large investment projects. If they can be implemented, this will be more attractive to attract investment.

"Thank you very much, Director Fang, and Xinghai Group. You have given Shen Cheng a great gift!" Lu Chaomin expressed his gratitude to Fang Bai on behalf of Shen Cheng.

Of course, several city leaders are a little worried. Where will the funds come from? Is it going to be a waste of money?

Government leaders hate empty-handed wolves very much.

Fang Bai understood the concerns of several city leaders and said confidently: "Our company currently has 2.5 billion yuan of funds at its disposal, which is enough to support the initial investment.

Of course, most of this funding comes from bank loans, and several subsidiaries have good profits, which are enough to pay bank interest and return principal.

As long as the land is in place, Xinghai Plaza in HP District and XH District can start construction this year and be put into use in one and a half years.

Due to the slow development of Lujiazui, I plan to start construction of Pudong Xinghai Plaza in 1995, and Xinghai Tower in 1996. "

A comprehensive square of 250,000 square meters, without land costs, including main construction and decoration costs, has a total investment of about 500 million yuan. It is much more expensive than the construction of Wencheng Xinghai Plaza a year ago. The main reason is that steel prices have increased in the past year. The price is so fierce, the price of elevator equipment has also increased, and labor costs have also increased a lot.

The construction and decoration costs of the two shopping malls, excluding land costs, are about 1 billion yuan.

Commercial land in HP and XH districts is not cheap either. One acre of land costs about two million yuan. The better the location, the more expensive it is.

Each shopping mall covers an area of ​​about 100 acres, and the land cost for the two shopping malls is about 400 million yuan.

The price of commercial land in the core area of ​​Lujiazui currently exceeds 10 million yuan per acre.

In other words, the land investment for the three squares is 1.4 billion yuan, and the commercial building decoration of one million square meters will cost an estimated 2 billion yuan based on this year's construction cost.

The comprehensive shopping mall alone requires an investment of 3.4 billion yuan, and if Xinghai Tower is included, it will cost even 10 billion yuan.

Xinghai Building covers an area of ​​at least 50 acres, and Fangbai's ideal area is 100 acres. Land is relatively cheap now, so try to get as much as possible.

He has 2.5 billion yuan on hand, enough to buy land.

Besides, the machinery company still has more than 100 million yuan in after-tax profits every month, and VCD is preparing to go public. If the sales go well, he will not be short of money.

Lujiazui began to be developed in 1990, but it was not suitable for business in the first few years. No matter how soon it was, it would not be until after 1996. Fang Bai would not spend money to speed up construction. He would just take his time. At present, he is mainly seizing land.

The construction of Xinghai Building will take several years, and by the time it is put into use, it will already be in the 21st century.

As long as he secured two pieces of land in Lujiazui, Fang Bai felt that his rebirth was worthwhile.

After listening to Fang Bai's plan, several city leaders fell into deep thought.

Xinghai Group's funds mainly come from bank loans. One year's bank interest is a lot of money. What if the capital chain is broken.

Fang Bai's current revenue, Xinghai Machinery Company, which has the best revenue, is very good, but it may not be stable forever.

However, for the Shencheng government, as long as it does not owe the government land money, it will be fine, and the land in Lujiazui is developed within a time limit.

After a comprehensive evaluation, I still feel that we can cooperate.

In particular, Fang Bai intends to build a skyscraper, which will become one of the core landmarks of Lujiazui.

Government leaders in this era are very keen on skyscrapers and hope that investors will build them as high as possible without considering safety and energy consumption.

After Fang Bai just finished speaking, several city leaders started a heated discussion about skyscrapers. They hope to build it higher and make it the tallest building in the world, as if they were the ones who paid for it.

Fang Bai's main purpose of building skyscrapers is just to name them, which is a bit evil.

Since it is open to the public for sightseeing, Fang Bai is not necessarily willing to work there for a long time. He is mainly worried about safety and privacy issues, and it will be relatively far from the laboratory.

Therefore, even if a skyscraper is built, Fang Bai will not work there for a long time.

As long as you have money, it doesn't matter how high the building is.

After several leaders finished the discussion, Fang Bai said that it was not possible to build taller skyscrapers, but he needed the support of the government. He could not get him a piece of land that was not good enough, and the land price had to be more favorable.

The meeting lasted for more than an hour and finally ended.

Lu Chaomin told Fang Bai that since the matter was very important, they needed to discuss it in depth and asked him to go to Lujiazui to inspect the land together tomorrow afternoon.

Fang Bai agreed, it was not a trivial matter after all.

That afternoon, several city government leaders had a heated discussion on Xinghai Group's construction of skyscrapers and investments, such as what preferential policies to provide.

As for the geological problems of building skyscrapers, it is not a problem. Before the construction of the Oriental Pearl Tower, the relevant departments had already surveyed the surrounding geology. Building a 600-700-meter-high skyscraper is not a problem at all, as long as the foundation is well done.

At two o'clock in the afternoon the next day, Fang Bai went directly to Lujiazui and met with the leaders of the municipal government at the designated location.

In the morning, Fang Bai also looked at the sand table in Lujiazui and had an understanding of the usage nature of each plot of land.

Lujiazui has a master plan, but some details can be changed.

Therefore, Fang Bai chose the location of Xinghai Plaza at the location of the future Super Brand Plaza and Shangri-La Hotel, further east, covering an area of ​​about one hundred acres;

The Xinghai Building is the location of the future Shanghai Central Building. As the core landmark of Shanghai, it covers an area of ​​about 90 acres, which is larger than the future central building. Fang Bai wants to create a more abnormal foundation to ensure the skyscraper. Security and stability.

Both pieces of land are commercial land, and there is not much difference in price. However, the Xinghai Tower land has a discount, provided that a skyscraper with a height of more than 600 meters is built.

The land price of Xinghai Plaza is 1.3 billion yuan, which is much cheaper than the 18 million yuan/acre in 1995.

If Fangbai had delayed the purchase two years later, it would have cost 1.8 billion yuan.

As for the land parcel of Xinghai Building, the asking price is 800 million yuan, or 1.05 billion yuan without discount. If Xinghai Group fails to reach the target in the end, it will have to compensate the land price difference of 250 million yuan.

The total land payment for the two sites is 2.1 billion yuan, and there is actually a discount. This is the biggest discount Fang Bai has ever obtained.

An advance payment of 1 billion yuan will be made, and the remaining 1.1 billion yuan will be paid within one year. For more than one year, commercial banks will pay interest at 10%. If the balance cannot be paid after five years and construction has not started, the Shencheng government will refund the advance payment of 1 billion yuan and take back the land.

The next day, Fang Bai signed an agreement with the Shencheng government.

As for Xinghai Plaza in HP and XH districts, they still need to be inspected, and the land acquisition period is also relatively long.

After paying an advance payment of one billion yuan, Fang Bai still has 1.5 billion yuan at his disposal, which will be used for the land payment and construction of Xinghai Plaza in HP District and XH District, as well as the funds required for the hoarding of VCD machines.

Fang Bai was overjoyed and excited after winning two pieces of land in Lujiazui.

These two pieces of land, totaling 190 acres, will be worth at least 28 billion yuan in 25 years.

Even if the investment project does not make money, Fang Bai still does not lose money.

For him, it doesn't matter whether he makes money or not. Anyway, he is not short of money. If he can leave a glorious mark in the core area of ​​Shanghai, then his rebirth will be worthwhile.

I wish all readers a Happy New Year! In 1995, Tomson Yipin paid 600 million for the land, totaling 30 acres. In 1994, the land price for Supermarket Plaza was 20 million per acre. In 1995, the land next to it was 18 million per acre. Don't think it's cheap.