The Pentium Era - South to North

Liu Ligan's eight projects started construction at the same time. The "Splendid Qianjiang" in Qianjiang New Town and the "West Lake Throne" in Wushan are obviously far from opening time. Now they can only beat the gong first and use the construction site. The start of construction has stirred up the atmosphere nearby and brought the focus and direction of public opinion.

Construction has started on the most expensive piece of land in the country at the foot of Wushan Mountain and by the West Lake.

Just let it slow down and heat up the surrounding housing prices, because the media has already revealed that the "West Lake Throne" that will be launched by then will sell for more than 20,000 per square meter.

This is an astonishing number, but if you talk too much about the astonishing number, it will not be astonishing. Later, everyone seemed to agree that the "West Lake Throne" could be worth 20,000, and the "West Lake Throne" might actually be worth 20,000?

At the same time, the surrounding housing prices are rising almost every day. The "West Lake Throne" just across the wall costs 20,000. What reason do we have not to increase the price? Their prices are rising day by day, getting closer to the figure of 20,000.

When they all reached 20,000 yuan, Liu Ligan thought that "West Lake Throne" could be opened for 25,000 yuan. Don't you think my house should be 5,000 yuan more expensive than other houses, especially "West Lake Throne"? ? Shouldn’t the most expensive land have the best quality houses and the most expensive housing prices?

It seems that "Throne of West Lake" is going down this road, so Liu Ligan is not in a hurry, he will make it slowly and make it into a high-quality product. The hard work he spends every day will be lost in the price of the property. We will bring it back in one pot when the time comes. Talk to Lao Tan.

Different from the front-runner "West Lake Throne", "Splendid Qianjiang" just comes in to make a fuss and then follows. Its size is too big, half a million square meters. It is impossible for it to be the front-runner. You see During long-distance running, are there any fat people who run at the front?

It can only become a beneficiary after the land and housing prices in Qianjiang New City increase.

After the construction of "Splendid Qianjiang" started, as expected by Liu Ligan, there were several plots of land nearby that had been idle for several years. After they saw the construction of "Splendid Qianjiang" started, they seemed to wake up from a nap and began to start work.

Mr. Han’s words are indeed correct. The government is not a brand. Behind it are real people. It will also have the tempers that people have.

After seeing so many construction sites started, the Qianjiang New Town Management Committee and the Hangzhou City Government also felt that the time was ripe and needed to speed up the construction of infrastructure, including the municipal government building under construction. Unknowingly, they also accelerated the process. , this gives people the illusion that Qianjiang New Town is going to be popular.

This illusion made all the owners of the construction sites excited and felt a fire in their hearts. It also made the Land Acquisition and Storage Center suddenly include five pieces of land in Qianjiang New City in the second land recruitment. During the auction, when setting the starting price, Liu Ligan's auction price was directly used as a reference, and it was set at 680, which was 80 higher than the price Liu Ligan paid.

Liu Ligan was overjoyed when he heard the news. Have you forgotten that after adjusting the floor area ratio, my actual price is only more than 400?

To learn more, the floor area ratio of these five plots of land in Qianjiang New City this time has reached 4.0, leaving no space for you. Liu Ligan understands that Mr. Han is right again.

Although Liu Ligan and his company are still laying foundations for the remaining six pieces of land, Tan Shuzhen suggested that the "Jinxiu Heyuan" next to the "Jinxiu Home" and the "Splendid Huating" in Zhaohui will be opened soon. Knowing that house prices will definitely rise, it would be a bit of a loss to open the market immediately, but they need to withdraw funds quickly because the second phase of the Hangzhou City Government's land auction is about to begin.

Don’t they still have four projects? Those four projects can be put in a later step and depends on the market situation.

And now they are speculating on the concept of housing in the school district of "Jinxiu Heyuan". The time is just right. The most important thing is that Liu Ligan said that they should beware of the government raising the threshold for selling houses. If that happens, their funds will become tight. .

Tan Shuzhen signed an agreement with the Hubin Branch of China Construction Bank. They made the first housing mortgage loan in the whole of Hangzhou and even the whole of Zhejiang in "Jinxiu Harmony Garden".

Almost when China Construction Bank started to provide housing mortgage loans, Mr. Qiao from Shenzhen Anxin Trust also came. The purpose of Mr. Qiao's coming was to transfer all mortgage business to Shenzhen Development Bank. At the same time, Shenzhen Development Bank also directly Heyuan" and "Splendid Huating" started new housing mortgage loan business.

In this way, they have two banks for home buyers to choose.

Without Mr. Qiao, Liu Ligan would no longer engage in matters involving the only designated financial institution.

Mr. Qiao came to Hangzhou for another purpose, which was to discuss other cooperation matters with Liu Ligan.

Mr. Qiao, Liu Ligan and Tan Shuzhen said that the current overall situation in the country is one of loosening and tightening. The loosening is for banks, from loan scale, loan interest to the simplification of loan procedures, and the tightening is for financial institutions like ours. In fact, to put it bluntly, the purpose is to protect the bank. Otherwise, how can those fools and lazy people in the bank do the same business as us?

Now in our area, not only the direct provision of housing mortgage loans has been stopped, but also the direct issuance of directional entrusted loans as before has been stopped. It is said that it is necessary to clean up and rectify, and it is said that there are many problems exposed in this area. In fact, It’s not just because we are stepmothers. In terms of problems, the bank’s problems are bigger than ours.

Do you know how many non-performing assets the four major banks, China Development Bank of Canada, have? It may scare you to death. More than one trillion yuan is already being prepared. Four asset management companies will be established next year to take over the non-performing assets divested by these banks.

"If you can't do anything, what should you do?" Liu Ligan asked.

"Isn't this coming to you? If this doesn't work, we'll take a detour." Mr. Qiao said, "I'm here this time to discuss the issuance of corporate bonds with you."

"Corporate bonds? What do you mean?" Tan Shuzhen asked.

"To put it most simply, it means using your company's IOU to borrow money, which in turn is actually a loan." Mr. Qiao said, "The most important thing about the issuance of corporate bonds is that someone believes in your company's solvency. If no one buys your bonds, it is equivalent to waste paper.

"The good thing for you now is that I have already communicated with them. Ms. Cai and Mr. Yang know your company and your business capabilities relatively well. They will be interested in purchasing. In foreign countries, this is generally called private placement, that is, The procedure of raising funds from specific objects through private agreements is relatively simple and convenient."

"If there is private placement, is there also public placement?" Liu Ligan asked.

"Yes, the public offering procedure is very troublesome. It needs to be approved. After approval, anyone can buy it. There is no specific investor. If it is not approved, it has hit the red line and committed the crime of illegal financing. Illegal financing. The most fundamental point is , which is to raise funds from unspecified groups of people. Although private placement is not approved, it is from specific people, so it is not illegal."

Mr. Qiao was talking to Liu Ligan and Tan Shuzhen. The two of them were confused. Tan Shuzhen asked: "We are not short of money now, why do we do this?"

Mr. Qiao laughed: "There is no company that is not short of money. Companies will always be short of money. If you are not short of money, it just means that your company is not big enough. For example, now all over the country, land is being auctioned and listed. Objectively speaking, is this no obstacle to your real estate company? Your company in Hangzhou going to Shanghai to get projects is no different from you in Hangzhou."

Mr. Qiao said, Liu Ligan and Tan Shuzhen both thought of the Shanghai company at the last auction. It is true that your Shanghai company can come to our Hangzhou to get land, and of course we can also go to Shanghai.

In the past, if you wanted to go to Shanghai, of course you had to meet people first, otherwise you would have trouble moving forward. Now you don’t need to. You can just go to an auction, buy a piece of land, and then directly set up a company.

Mr. Qiao said: "Although your company is not small in scale, if you want to become a national company, you must go out of Hangzhou and expand your business to other cities. If you don't go, others will come. You If you want to become a national company, you need to acquire land in Shenzhen, Shanghai, Nanjing, Hefei and Wuhan. Can you still say, Mr. Tan, that you are not short of money?"

Tan Shuzhen shook her head: "If that's the case, the money will definitely not be enough."

"But it must be like that, otherwise, as I said, if you don't go to other people's territory, they will come to your territory. If you can't quickly strengthen your own strength and make the company bigger, I don't mean to say it's ugly. Think about it for yourself, is it possible that you will be squeezed out by others in Hangzhou soon and won't be able to get a piece of land?" Mr. Qiao asked.

Liu Ligan and Tan Shuzhen thought about it and realized that this was really possible. The reason why they were able to get so much land at the last auction was not because they were stronger than others. The auction was for the highest bidder to win. If someone kept bidding against them, , I can’t get so much.

Mr. Qiao looked at them and said: "You can't defend, you can only attack. To attack, you must have such strength and capital. This corporate bond is the best way to expand your strength and capital." tool."

"Mr. Qiao, can you be more specific?"

Liu Ligan became interested. He thought about the uncomfortable feeling when he entered the venue and other people were holding up their placards, but he didn't dare to hold up his placards. He thought about the two people who kept bidding, and finally he said to others, "Bang friends, let's get together." Stick!" That was really more embarrassing than dying.

Liu Ligan also thought of himself, holding the auction sign, the joy of conquering all directions. Mr. Qiao was right, you can't defend, you can only attack. When did I, Liu Ligan, not work hard? How can a whip move in a hurry?

"If it's a loan, we can go directly to a bank to get a loan. This year, we also repaid a 500 million loan from ICBC ahead of schedule." Tan Shuzhen said.

"There is a difference, Mr. Tan." Mr. Qiao said, "For a loan, do you need collateral or a guarantor? I have checked that your 500 million loan from ICBC was mortgaged with Hangcheng Center. Zhang Guaranteed by Chen Company, let me ask you, your land in the center of Hangzhou has been mortgaged, what should you do when you want to apply for a real estate certificate?

"Do you still need to find 500 million to release his item? At that time, if you don't have 500 million in your account, where will you find 500 million? Of course, you will say, you will get it after the house is sold. But the prerequisite for selling is to release the other items first. Otherwise, CCB won’t be able to make a mortgage, right? Unlike us, we can be flexible.

"You can't sell the house here, and you don't have the money over there to go in and release him. Is it just a matter of beating him to death?"

Tan Shuzhen thought about it, if this was the case, the situation mentioned by Mr. Qiao would really happen.

Tan Shuzhen nodded.

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