The third investment is an 8% stake in Lufax, which is still replaced with cash, with a total value of 720 million US dollars, or about 4.5 billion yuan. ”

Xiao Yao knew that his parents probably hadn't heard of Lujin, so he briefly introduced: "When I replaced this part of the shares, the valuation of Lujin was 9 billion US dollars, and now it is valued at 11 billion US dollars. ”

"Is it really fake? How can you make more than 10 or 2 billion yuan from any project you invest in? Is it so easy to make money?" Xiao Zhenshan felt like he was listening to a story, and his son could not imagine saying a number casually.

The world he lives in and the world his son lives in are as if they are not in the same time and space, he has worked hard for half his life, but he has only bought three houses, and his son can invest in a project casually, and he can earn more than ten or two billion yuan. For my son, money is really like a number, and it is very easy to make money.

"That's where networking comes in. These people who exchanged the industry with me owe me a lot of favors, otherwise I wouldn't have been able to get into such a good investment project. ”

Bai Yuzhen asked directly: "What favor do you owe? I am willing to spend such a big capital? Now our family is not short of money to spend, we don't do dangerous things, safety is the most important." ”

"It's not a dangerous thing, my master has passed on a lot of special knowledge to me, such as fortune telling. I have the true inheritance of my master, and my ability in this area is still very powerful, these people owe me favors, so they naturally have to find a way to compensate me. This is how these investment projects came about, if it weren't for these people who were in a hurry to repay my favors, such a good investment project, I really wouldn't have been able to get involved. Xiao Yao didn't want to say too much, but simply explained.

"Aren't fortune tellers all deceitful? son, do you really understand these things that the gods are talking about?" Bai Yuzhen was surprised.

"It's not all lies, my master is the kind of real high-ranking hermit. Xiao Yao specially advised, "I will look at the fortune-telling matter, don't spread it, just know it yourself, I don't want to be harassed all day long." ”

"I know, I know, your dad and I will definitely not spread it, this kind of god-to-god chatter, everyone has their own opinions, it's better not to let people know. Regardless of whether her son's ability is true or false, Bai Yuzhen doesn't want others to look at her son in a different light.

"Mom, Dad, what do you think of these three investment projects?"

"All three of these investments are like giving you money for nothing, of course. Bai Yuzhen no longer objected to her son's investment in these three projects, "It's just that the funds needed are a bit too much, you should prepare the relevant procedures for these three projects as soon as possible, and the shares and fixed assets can be mortgaged, but after review, I can determine the specific amount that can be lent to you." ”

"There's no need to go through the hassle, I'm not going to use these three items as collateral. I'm going to use gold as collateral directly, that's always fine, right?"

Xiao Yao has a lot of gold in his hands, and the gold bought in the last few decades has complete procedures, and he is not afraid of being traced by others. The price of gold is very low now, and he is not ready to sell, but it is still possible to use it as collateral, and when the price of gold rises again to a high level, it is also possible to sell it directly to the bank.

In the past 3,000 years, there has been too much gold collected in the Qiankun ring by Panwu, but most of the gold before modern times can be regarded as antique collectibles, and the value far exceeds the value of the gold itself. However, in recent decades, most of the gold in the Panwu collection has little collectible value, and can be considered for sale at the right price.

"The funds you need for these three projects combined, but there are 10.5 billion, do you have so much gold as collateral?" Bai Yuzhen was surprised.

She couldn't imagine how much gold worth 10.5 billion it would be?

"The current price of gold is about 260 yuan a gram, and if I borrow 10.5 billion, I will take out 40 tons of gold as collateral, and that will be enough. Xiao Yao said lightly.

Xiao Zhenshan was really frightened, and his voice trembled a little, "You were able to take out forty tons of gold!

"Forty tons of gold! Couldn't that be a mountain of gold?" Bai Yuzhen was also shocked.

Xiao Yao shook his head, "The same volume of gold is more than 19 times the weight of water, and 40 tons of gold is also the volume of two cubic meters, which sounds like a lot, but in fact, there is really not much in front of you, and it is far from a gold mountain." ”

"That's not old anymore, two cubic meters of gold, it's exciting to think about. Are you really going to use gold as collateral? Isn't it too high-profile?" Although it represents the same value, it is far more shocking to use gold as collateral than to use shares and fixed assets as collateral.

"All the gold has been hidden in the secret room by my master, and I always feel that it is not very safe, and it is more reassuring to keep it in the bank. Just making a mortgage, not selling, I think it is more reassuring than mortgaging shares, and the procedure can be a little simpler. "There are many things in Xiao Yao's hands that can be used as collateral for loans, but gold is definitely the most convenient.

Other collateral items, whether they are shares or fixed assets or antique jewelry, need to be evaluated by the bank, and the procedures are cumbersome, while the mortgage gold is not so troublesome.

Xiao Yao's three investments, 10% of Huahui Bank shares and 8% of Lufax shares, he promised to pay all the funds within three months. The 3 billion replacement fund of Hanguang Building is longer, with a one-year period.

He took into account that Qin Huali's performance was good later, and he already had a lot of benefits in his hands, so there was no need to delay the 3 billion funds for a year before paying. In a few days, he was going to pay Qin Huali all the funds at one time, together with the share replacement money of Lujin.

Now he is a shareholder of Huahui Bank, and his mother is the vice president of the provincial bank in charge of credit, and now he needs a loan, so naturally he has to borrow from his own bank.

With his identity, and using gold as collateral, he will definitely be able to keep the loan interest rate to the minimum, and at the same time solve the problems of his mother's work, which happens to be the best of both worlds.

Xiao Yao took out such a high-quality collateral, and the loan procedures were handled very quickly, and it only took three days for a loan of 10.5 billion yuan to hit his account.