Rebirth Starts From 2006

"Rebirth from Zero Six Novel ()" Find the latest chapter!

Saturday, January 6, 2007, Osamu,

In the back garden of a certain villa in Huamingzhushanzhuang Hot Spring Villa Area, Chen Yangduan was sitting on a folding chair with one hand on his knee and the other on his chin, thinking about a very serious question.

After baking for a long time, why is this chicken wing still not cooked? !

"Mr. Chen, here," Zhang Jin walked over with a smile, handed over a handful of mutton skewers, and sat on the folding chair beside him.

"Thank you," Chen Yang smiled brightly, took a bite and said, "Well, it smells so good."

"Haha," Zhang Jin looked up and smiled happily, "My craft is not bad."

Chen Yang nodded again and again, "Not only is it good, it's much better than many barbecue restaurants."

"Hehe," Zhang Jin laughed again, and then said, "Mr. Chen, why haven't you taken care of our business during this period of time? Didn't you say that housing prices are going to rise, and you didn't buy more houses?"

Thinking about it, Chen Yang used to go to apply for mortgage loans almost every week, but since the big order in Donghe Building, he almost never went to the bank again.

"Why didn't you take care of it?" Chen Yang immediately argued, "Our company only has you as a cooperative bank, and all the housing loans and safe account transfers are done for you, so I took good care of it. As for buying a house,"

At this time Zhou Na also came over, holding a handful of vegetarian dishes and spreading them on the grill in front of Chen Yang, then sat down opposite him, and said with a smile, "Buying a house can increase in value, it is the safest investment project, you It's not like your previous style to be motionless now."

"Ham," Chen Yang said with a smile, "Everyone is so familiar, don't come and go, just be casual."

Looking at the pile of red, yellow, blue and green in front of me, I couldn't help but mutter in my heart, just eat a little vegetarian food, and still have such a good figure?

Zhang Jin rolled her eyes, showing a mischievous expression, and said with a chuckle, "Then, you call us a pretty girl, and we call you a pretty boy?"

"Okay," Chen Yang laughed, "as long as it's not bad boy."

The three of them immediately laughed together, attracting the attention of people from several other places.

After eating a few bites of barbecue, Chen Yang said,

"There are endless houses to buy. I want to continue to get mortgage loans. Unfortunately, the amount approved by your bank is not enough."

Zhou Na shook her head and smiled, "If it's not enough, you can apply for an additional one. You are already a strategic customer of our bank, so you should be given some special care. It's just that our bank has canceled 12% of the mortgage Policy, if you do mortgage again, you can only lend according to the highest standard of 95%."

In fact, their performance in the past two months is not bad, but after trying Chen Yang's generous mortgage for buying a house, the current performance of several million yuan is really not enough to satisfy their appetite, not to mention that part of the several million miles is Chen Yang. What Yang's company provided, the most important thing is that there is no sword to expand the proportion, and their business promotion is instantly pulled to the same level as other industries, which is much more difficult than before.

So this time Zhang Chunli invited them to come to the company's annual meeting together, and she agreed to see if there is any chance to cooperate again.

Chen Yang was slightly taken aback. The policy of expanding the ratio was cancelled?

But it's normal to think about it. In his memory, this policy has not survived for a year. Whatever he does, he has already enjoyed the benefits anyway, so it doesn't matter if he cancels it or not.

Shaking his head lightly, he said with a smile, "I definitely have to buy a house, but now is not the best time to buy a house. Instead of wasting interest money, it's better to wait a year or two."

Um?

Zhang Jin and Zhou Na were startled. After looking at each other, Qi Qi looked at him, "Mr. Chen, what do you mean, the house price will drop?"

"Impossible," Zhou Na hurriedly said, "Didn't you say before that the housing price depends on M2? But..."

Before she finished speaking, Zhou Na stopped suddenly, uh, did I slip up,

Zhang Jin was also stunned, staring at her in a daze, not daring to blink,

Unfortunately, Chen Yang has already heard,

He looked at Zhou Na in surprise, "I only told you President Liu about this issue. Has she notified your bank internally?"

Regarding this situation, he actually had expected it a long time ago. If President Liu confirmed his statement through data analysis, she would definitely report it and notify the relevant departments, but he didn't expect them to act quite quickly. Completed the data analysis and reported,

Well, two months is actually not too fast.

"Uh, hehehe," Zhou Na laughed dryly, rolling her eyes twice, "I don't count everyone as a notification, but a small number of people know, as for me, I'm not the assistant to the vice president now, I hear Our vice president said."

"Oh, so that's how it is." Chen Yang nodded suddenly, and then continued the topic just now, "It's true that housing prices follow M2, but in a certain period, it will also be affected by the overall economic environment, such as housing prices in mainland China after 1997." There was a period of decline because of the impact of the Asian financial turmoil.”

At that time, commercial housing was not the mainstream, and only a small number of areas were falling. Under various factors, Chinese people didn't feel it at all.

Hearing Chen Yang's words, the two of them were startled, and Zhang Jin hurriedly asked without waiting for him to finish speaking, "You mean, there will be another economic crisis comparable to the Asian financial turmoil?"

Don't, ten years ago, Lao Zhang lost hundreds of millions, and it took two or three years to recover. If it happened again, with the current scale of Lao Zhang's company, wouldn't the loss be even greater? !

On the contrary, Zhou Na was thoughtful, "According to the economic tide theory, it is indeed possible that an economic crisis will occur this year, but our regulatory system, means and tools are also constantly being improved. ?”

Chen Yang smiled, looked at her and said, "Then what if this crisis has already begun?"

What?

The two women looked at him in unison, not knowing why,

Chen Yang smiled and said, "Your branch headquarters should have a relevant research department. If you inquire a little bit, you will know that there are serious problems in the US subprime debt market, and there is a possibility of collapse at any time. Now it is just Those subprime mortgage companies tried their best to survive, but when they couldn’t hold on anymore, the entire subprime debt market exploded, and you said, would it be bigger than the one ten years ago?!”

There is a problem in the US subprime debt market, which is known to the entire financial industry. This is not a secret at all, so he is not afraid to say it.

Subprime debt market?

Zhang Jin blinked, what is that?

Zhou Na didn't expect her, a financial practitioner who didn't even know about M2, to know about the subprime debt market, so she didn't bother to pay attention to her now, so she turned a blind eye to her seeking knowledge, squinted her eyes for a while, and looked at Chen Yang asked sternly, "Then, when do you think the subprime bond market will be thunderstorm?"

Chen Yang shrugged, "I don't know about that, anyway, it's probably a year or two."

He is not stupid, how could he reveal the specific inside information, let alone whether they believe it or not, even if they believe it, and the leaders also believe it after reporting to the bank, will it be of any benefit to him?

Then he said with a smile, "The domestic real estate industry relies too much on banks. If the subprime debt crisis breaks out, it will definitely affect the domestic financial market. Imagine what will happen then?"

Zhou Na took a deep breath and said solemnly, "The stock market has plummeted. Due to the current large amount of social funds pouring into the stock market, after this part of money evaporates, social wealth will decrease sharply, which will be fed back to the real economy. Unless the government opens the floodgates, the major banks will They will first seek self-insurance and shrink the loan amount, and the real estate industry, which relies on loans to survive, will bear the brunt.

Even if the above will open the gate to release water, there will still be a time gap between discussion and implementation. This time gap alone will make many real estate companies unable to survive. Therefore, a short-term decline in housing prices will inevitably occur! "

Zhang Jin was stunned when she heard this, and murmured, "No, Lao Zhang will go crazy!"

Zhou Na glanced at Zhang Jin, then shook her head imperceptibly,

Zhang Jin received the signal, blinked and lowered her head, turned over the skewers on the grill,

Chen Yang remained calm, as if he didn't notice their small movements, he picked up the chicken wings that he had baked for a long time and took a bite, um, the outside was mushy and the inside was raw, the craftsmanship was really good!

Zhou Na coughed dryly, looked at Chen Yang and smiled, "If the house price really falls, Mr. Chen, what about your mortgage?"

The words are only half spoken, but the meaning is obvious.

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