My Fintech Empire

In Fang Hong's design and planning, the metropolis of New City will become synonymous with high-tech, advanced, prosperous, and future cities. High-tech and high-end manufacturing will be the city's core pillar industries, while mid- to low-end manufacturing will migrate outward and some satellite cities will gradually form in the surrounding areas.

This is an inevitable trend. Whether it is the development prospects and development opportunities of the new city or the various excellent benefits of the city, it is attracting a large inflow of foreign population.

Not to mention anything else, in the new city where the average real estate price is 23,000, you can settle down for just over 350,000. This affordable housing alone will attract countless people who want to settle in this city.

The general public from the middle and lower classes make up the absolute majority of the population, and everyone wants to come. However, the carrying capacity of the new city is limited, and it cannot be all middle and lower classes. Otherwise, it will still be a mediocre city. The new city needs to be transformed and its industries upgraded. Even the middle and lower-level people in high-end positions are not qualified. It is ridiculous to ask them to make chips. Even if they come here, they will not be able to provide jobs.

The 35% proportion of affordable housing is allocated to optimize the population structure of the new city, which means that the new city can only absorb so many middle- and lower-class people.

If the proportion of affordable housing is too large, a large number of middle- and low-end people will flood in. They will not be able to grind chips or build recycling rockets. There will not be so many supporting middle- and low-end jobs, and there will not be so many positions for washing dishes and serving dishes. At that time, this group will be involved in an explosion, and even if the ratio is 35%, involution will inevitably occur.

Everyone wants to come, that’s for sure, it’s impossible not to get involved.

It doesn't matter if there are too few affordable housing. Those groups of sanitation workers, serving dishes, and washing dishes are also an indispensable part of the operation of a city. Too few affordable housing cannot allow this group to have a home.

About one-third of the affordable housing ratio is relatively the most appropriate value range, which can make the population quality of the new city generally present an olive-shaped structure.

When the proportion of affordable housing in the new city reaches this ratio, commercial housing can also be liberalized. There is no need to interfere excessively in the market. Rich people will buy commercial housing. The housing prices can go as high as they want. The rich will pay the bill anyway. .

When 35% of the affordable housing is occupied by real estate groups, it also means that the new city is saturated with the middle and low-end population.

Those who still want to come in will either have to endure the situation where there is no affordable housing and cannot afford commercial housing, or they will wait for the city to expand and develop further in the future, which will need to absorb more people. The structural ratio remains unchanged at 35% but the base becomes larger. In fact, there are Opportunity to get on board.

But that requires waiting hard and betting that the new city will continue to develop towards a super metropolis with a population of 15 million or even 20 million in the future. This can be done.

And this will inevitably bring about a result, that is, the situation of satellite cities around the new city. The middle and lower class groups have been established, and the middle and low-end industries have moved out of the new city. The two are exactly matched, and the satellite cities with the middle and low-end industries will naturally be formed. will appear in the surrounding area.

Regarding the distribution of goods in the new city, there is no doubt that everyone wants to buy a house worth three to four million in a prosperous area in the city center for a price of three hundred and fifty thousand.

However, it is obviously impossible to meet everyone's ideal expectations. Therefore, the allocation of affordable housing in Xincheng adopts the rule of lottery first and lottery later. When there are too many applicants and the housing supply is limited, numbers need to be ranked for a fair lottery. People get the purchase quota for a set of affordable housing.

Then we will draw lots to decide whether we will get affordable housing in the suburbs or in the prosperous areas of the city center. It is up to God to decide. This is the most fair mechanism based on the actual situation.

In addition, affordable housing is non-commercial housing and cannot be freely bought and sold.

The homeowner cannot sell the house by himself. If the homeowner's income increases after years of struggle, he will be able to buy a commercial house to improve his living and living conditions, and he will want to buy a commercial house.

As long as you buy a commercial house, you can no longer occupy the affordable housing you originally lived in. The relevant agencies and departments of the New City Government will buy back this set of affordable housing, and the government will not pay for the inflation that occurred during the period, so the repurchased The price is also the original purchase price of the homeowner, and after the repurchase, it is distributed to other low- and middle-income people to purchase.

Once the construction of 35% of affordable housing in the new city is completed, it will become the city with the highest proportion of affordable housing among major cities in the country, with a gap of more than ten times from the second place.

In addition, Huayang Group has to bear 20% of the task indicators. This was Fang Hong's suggestion to Hua Yongming, and he decisively adopted this suggestion.

The construction land for affordable housing is provided by New City, and the cost of the land is borne by New City's finance.

Next year will be the big move to monetize the shantytown reform. In another year, Fang Hong will arrange for Huayang Group to withdraw. When the property market is booming, the current "three-high model" expansion strategy will stop and start to dismantle leverage. , reduce debt.

When the time comes, you will have to use your brain to get others to take over.

You must not let others know that you are not optimistic about the market outlook, but are forced to sell off high-quality assets in tears due to other factors. Only in this way can you relax the vigilance of the taker, and you may even feel complacent about getting a big deal in the next takeover.

Being responsible for 20% of the affordable housing tasks will also play an important role during retreat, which requires mentioning another measure for affordable housing.

There is no pre-sale system for affordable housing!

Huayang Group has assumed another 20% of the task quota. The absence of a pre-sale system means that a large amount of funds will be locked here, and it will not be possible to quickly repay the money through pre-sales in the short term.

In order for the affordable housing to be delivered and completed as scheduled, Huayang Group must show that it would rather sell off other high-quality commercial properties of the company to raise funds, rather than doing anything to the affordable housing. It must not be left unfinished and must be on time and of high quality. deliver.

This operation can not only cover the exit of Huayang Group, but also gain praise from home buyers.

When the turning point of the real estate market arrives and the cold winter comes, a large number of real estate companies are experiencing thunderstorms. Home buyers and developers are facing a serious crisis of trust. More and more people are losing their money and houses. People are resentful of real estate developers. Sometimes, Huayang Group can survive alone.

By then, Huayang Group will not be affected by the crisis of trust in the property market. Instead, thanks to its peers, it will become the last conscientious and most trustworthy real estate company among real estate developers in the eyes of countless home buyers.

This can bring unimaginable benefits to Huayang Group. When the time comes, everyone will choose the properties developed by your Huayang Group, even if you don’t want to buy them, because buying a house developed by your property does not have to worry about being unfinished, and there is no need to worry about making money. Two is empty, no need to worry.

Huayang Group is currently responsible for vigorously developing affordable housing. Most of the newly approved land parcels in Xincheng this year are also used to provide land for the construction of affordable housing.

Hua Yongming listened to Fang Hong's suggestion, and Huayang Group also actively promoted affordable housing in other cities.

However, other cities are not very interested in affordable housing, and are most interested in Huayang Group coming to Duoduo to acquire land.

With so many affordable housing built, how can we still sell the goods? If the commercial housing cannot be sold, how can we sell the land? If the land cannot be sold, what will happen to the fiscal revenue? What to do about the salary of civil servants...

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