Rebirth of the Evil Life

They refuse to provide loans? Lin Feng pondered over this sentence.

If the four major banks really want to refuse loans, it is not impossible. Their shamelessness has long been known to everyone. It is not impossible for them to really do something like not providing mortgages to the people of the country.

"Mr. Lin, if the four major banks stop providing loans, how can people buy houses?" Wang Jianlin asked.

"I have two suggestions!" Lin Feng held up two fingers.

"Which two?" Wang Jianlin's eyes flashed with anticipation. He thought about this problem for a long time, but to no avail. The four major banks stopped providing loans, which is a very serious problem, and he has no solution.

"First, cooperate with foreign banks to provide mortgage guarantees to the public. I believe foreign banks are very interested." Lin Feng said with a smile, "After all, this is making money without doing anything. And China's default rate can be regarded as the lowest in the world. As long as ordinary people buy a house, basically speaking, they will stick to it and pay off the mortgage. It can be said that this money is completely risk-free. Foreign banks didn't have the opportunity to come in before, but now I can give them a chance. They provide funds, we provide a platform, and everyone splits the profits in half!" Wang Jianlin thought about it and thought that this was indeed a solution. Before this, foreign banks naturally talked to the four major banks. But it's very simple. Will the four major banks agree to give up this fat meat and distribute the profits to others? This is obviously not possible. But Lin Feng's "China United Commercial Bank" is no problem. Now that banks are short of money, if the four major banks do not provide loans, then it is reasonable to find foreign capital. Although the state may have a little opinion, it is useless to have opinions on this matter. If you don't lend money or give money, you can't not sell houses, and ordinary people can't not live in houses. So. Basically, if Lin Feng promotes it, there will be no problem.

"What about the other one? I think. This one should be the one you are more optimistic about." Wang Jianlin asked.

He has studied Lin Feng. If he didn't study it. If he didn't understand it, he would not rashly cooperate with Lin Feng. After all, Wanda is also his hard work and he created it with great effort. He can't lose Wanda without any preliminary investigation. And from his understanding of Lin Feng, Lin Feng always gives the most satisfactory answer in his heart at the end.

"Haha, Mr. Wang, you really know me. My second suggestion is. Let your real estate company provide loans directly!" Lin Feng said with a smile, "After you repair the house, you can directly negotiate with all the residents and provide housing loans. Every month, all residents can directly deposit the mortgage into your account. In that way, it is also another income. The only trouble is your capital turnover."

"Not only capital turnover, but also qualification issues. We don't have such qualifications. We are not a bank!" Wang Jianlin frowned and said.

"Haha, this is very simple. Our China United Commercial Bank can provide a platform, and your funds will all go from our China United Commercial Bank account. That way there will be no problem. Isn't it!" Lin Feng laughed.

If so, there will be no problem with qualifications. In this way, as a real estate company, the profit will increase again. The problem of whether the land price will not fall and the house price will fall is basically solved. After all, the interest on the mortgage is really a big profit.

But the problem is still here, that is, funds. They don't have funds. It is difficult to raise funds now, and the funds they have on hand are barely enough to operate. If the mortgage is provided by them, although there is income every month, this money is not enough for them to continue to develop other real estate projects. This requires waiting for a while, and after the funds are recovered, they can continue to develop. In this way, the cycle is too long. Although it is more profitable. But the cycle is too long, and the profit per unit time is reduced. It is a good thing in the long run, but in the short term, the profit reduction is too obvious.

Lin Feng laughed.

"The funding is easy. You guys build the building first. As for the funding, by the end of the year, my bank will have recovered. Then, you can ask us for a loan!" Lin Feng smiled.

At the end of the year, the financial crisis will completely break out. At that time, I will have money. At that time, I will transfer part of the money to the bank, provide the bank with loans, and collect some interest. It can be said that everyone is happy.

At the end of the year? ! Wang Jianlin frowned. There will be funds at the end of the year, which is not a little bit. Where does Lin Feng get the funds from? His company cannot make so much money in a short period of time. If Lin Feng takes the company public, it can indeed raise most of the funds, but not so much. After all, the most profitable company under Lin Feng is "Meiying Technology", which is also a cash cow. If it goes public, the market value will also exceed 100 billion US dollars. But what is missing is more than 10 trillion yuan and hundreds of billions of dollars. Where does Lin Feng get so much money?

However, since Lin Feng admits that he has money, then there are naturally Lin Feng's channels, and he can't say much.

"Then I will wait and see. I will start the comprehensive construction of the building as soon as possible!" Wang Jianlin promised.

"By the way, Mr. Lin, I have another question. It's out of personal curiosity. If you can ask, then go ahead. If you can't, forget it." Lin Feng shrugged and motioned Wang Jianlin to ask. He believed that Wang Jianlin would not ask anything too outrageous. After all, he was not as young as himself and would not ask random questions. He knew very well what questions he could ask and what questions he could not ask. Since he wanted to ask, it meant that he should be able to answer this question.

"It's those small and medium-sized real estate developers. Now that they have demolished all their houses, what will they do? Where are you going to raise the money from in your "Fundraising Inscription"?" Wang Jianlin asked the topic again.

The topic just now touched on the issue of the four major banks refusing to lend to ordinary people, and the topic went too far. But this issue is of great concern to Wang Jianlin.

"Haha, of course I am looking for someone to borrow it. The money in the hands of ordinary people is basically empty. But there is still money in the four major banks. But most of the money they store there now is the money of the rich. I am now We need to steal their money from the four major banks!" Lin Feng said with a smile, "These people have so much money, but they don't have a good investment channel. Now I will give them an investment channel."

Wang Jianlin nodded. These people are probably mainly mining bosses and engineering bosses. They do have a lot of money. It's all money earned by taking advantage of the country's loopholes. Money comes easily, but that's why. They cannot continue to make money from money. Lin Feng provided them with an investment direction. Considering Lin Feng's appeal, it was indeed very suitable. Actually. These people were very excited about the "Aeolian Venture Capital Fund" launched by Lin Feng. No matter what. However, Lin Feng announced that it could only be 100,000. This is enough for ordinary people. But for those rich, it is a drop in the bucket. These people are simply ignored. Such a small amount of interest is too low.

It is indeed reasonable for Lin Feng to fancy their money.

"Then I'm leaving!" Wang Jianlin stood up and said goodbye.

the next day!

Wanda, Vanke, Evergrande. Country Garden also announced that it will rebuild real estate in the near future. The real estate will be rebuilt in strict accordance with the "White Paper on China's Housing Quality" and the price will be halved, a price that all ordinary people can basically accept.

As for why, the basic reason is very simple. People always hope that housing prices will become cheaper and cheaper, but this is obviously impossible. After all, housing prices are free, so people may still want to give them some money. so. This kind of price cut in half can only be said to basically satisfy the people. It is impossible to satisfy them completely. After all, this is human nature. greedy.

The stock market is the market that best exposes the original sin of human greed. The stock you bought has gone up, and you hope it will go up even more. The more, the better. There are always only a few people who can really sell them rationally. When buying stocks, you always hope that the price will fall further for you to buy it.

The simultaneous announcement of the four real estate companies naturally aroused heated discussion in the market. It turns out that the market has always been about price but no market. Therefore, in the second-hand housing market. It has always been high. Now these four real estate companies have announced that they will start building new properties and sell them at half the current price. This is undoubtedly a heavy blow to the second-hand housing market. This new property only costs so much, but your second-hand house is so expensive. Would I still buy it?

"This is impossible. How can they make money by selling like this?" The second-hand housing agents were all lost and shocked.

Because before this, it was rumored that when housing prices plummeted, many second-hand homeowners sold a lot of properties at a discount (slightly lower than the market price at that time), and many intermediaries paid for them privately. They believed that such housing prices were absolutely impossible. Down to this level. How can housing prices fall if land prices do not fall? No matter how awesome Lin Feng is, that won't work. And this time, the news they got from various sources was that Lin Feng might not be able to handle it. After all, there are some things that Lin Feng can't just do whatever he wants. Especially now that the country has promulgated the national standardization of the "White Paper on China's Housing Quality", the cost of building houses will be even higher. It’s fine if the price doesn’t increase, but how about lowering the price? Is it possible!

So, these real estate agents took the house. As a result, as soon as they got the house here, the four major private enterprises there announced at the same time that they would build real estate at a price that halved the house price. And since real estate companies have entered a period of zero profit, they will sell the house in advance, and launched - private customization. ! Serve.

Personal order? As soon as the news came out, everyone was curious. How to customize a building? That is, all properties will be equipped with renovated and fully furnished buildings. However, compared with the finely decorated real estate on the market, the privately customized finely decorated real estate of the four major real estate companies will require the home buyer to choose the decoration template according to his or her own ability. After the negotiation is completed, the wires will be installed during the construction of the house. , water pipes and other facilities have been laid in advance, and all residents will be provided with original services.

This 'private customization' surprised everyone. No one expected that the four major real estate companies would suddenly enter the decoration market in an all-round way. This was beyond everyone's expectation. At this time, the original decoration company yelled at him, and they all accused the real estate companies of bundling sales, a disguised increase in housing prices, and a way of trying to steal the wool from the sheep.

There is no way, if the decoration company doesn't scold them, they will have no profit margin. If all real estate companies launch hard-decorated houses in the future, will decoration companies like them still survive? You can’t really rely on ‘Micro Home Decoration’ for your future, go and survive! In that case, the profit would be too huge. Although it would still make money, it would not make money from decorating a new house. In the past, decorating was just like picking up money.

Later, Lin Feng launched a "Micro Home Decoration" program. Although they still made money, it was not as easy as before. Moreover, due to the intervention of "Dingdang.com", it involved an after-sales service issue. They were forced to improve the quality of service and improve the quality of decoration materials. They don't dare to fake things (to be precise, the cost of counterfeiting increases), which makes them unhappy about making money. They just wait for Lin Feng to open up the real estate market and make a lot of money.

Before this, they applauded when they heard that house prices had fallen. It can be said that they are definitely the biggest supporters of falling house prices. Because housing prices have fallen, people have more money in their hands. By then, people will be able to spend more money on decoration.

Therefore, they are all waiting for the coming of the big era. But as a result, the four major real estate companies are now fully implementing "private customization" to complete the decoration work. They also propose that at the beginning of building a house, the home buyer signs a contract with the real estate company, and signs a decoration contract, and comes to a private Customized, how can they survive if this continues?

So, they object. And they spared no effort to pour dirty water on the four major real estate companies, angrily accusing them of raising housing prices in disguised form. As for home buyers, they are inherently afraid of the decoration market. Because the decoration company is very dark, that is well known. No matter what, if your renovation cost is 100,000 yuan, the decoration company will earn you 20,000 yuan, which is small. If you meet a lot of people, they can earn you 30,000 to 40,000 yuan, that’s normal. It's possible for someone with a bad heart to pass off inferior goods or mix things up, and earn you 50,000 to 60,000 yuan.

Therefore, many people would rather be tired and decorate by themselves. Although the total price may not be much lower, at least you can rest assured about the materials used. This is the most fundamental reason why many people do not choose decoration companies.

Now that this real estate company is also involved in the decoration market, the impression on home buyers is even worse. Although real estate companies have discounted housing prices, home buyers will blame Lin Feng and they recognize Lin Feng. But I don’t recognize these real estate companies. Without Lin Feng, would these real estate companies lower their prices? Now, they are openly lowering prices, but secretly launching all types of rooms into fully furnished rooms under the guise of private customization. You said, this is not a sinister attempt to make money. Therefore, they will not be fooled!

Never let real estate companies make shady money again! Boycott "private customization" and boycott black-hearted real estate companies! People are shouting.

This scene makes all decoration companies happy, but for Wanda, Vanke, Evergrande and Country Garden, it is a bit depressing.