The surface of the crescent moon lake, the water ripples, the sparkling waves show a strange charm, and the breeze hits, giving people a cool feeling.

"It's a nice place. Qin Fan praised it from the bottom of his heart. It's just that there are few buildings behind the real estate, except for the sales center is more complete, the rest of the buildings are mostly semi-finished products, materials on the construction site, sheds, lazy workers, and tower cranes standing quietly in the air......

"They haven't finished yet?" Qin Fan turned around and asked.

"Not yet, the leader who came was a little verbose. Zhou Na, who was dressed in a police uniform, shook her head and said.

"No classes today?" Qin Fan asked strangely, every time he came to Nanjing, he basically saw her, it is said that the discipline of the public security system should not be so lax?

"The police academy training has ended, and I will return to the hall in two days. Zhou Na said casually.

"What about the Ai Jing people?" Qin Fan blurted out. I didn't see that girl, and I was still a little unaccustomed to it.

"There are tasks. Zhou Na looked at Qin Fan in the sun, and suddenly seemed to see Ding Yi who showed his white teeth when he smiled.

"Am I similar to her boyfriend?" As if peeking into her thoughts, Qin Fan asked casually.

"Well, it looks similar, but he's heroic, and you're a ruffian. Zhou Na looked at him carefully again, and had to admit that it was indeed as Ai Jing said, it was really similar.

Qin Fan shook his head and smiled bitterly, the Shen Bing was very similar to him before, and now Ai Jing's boyfriend who came out again was also similar to him.

In the sales department on the slope in the distance, Su Jian and Ai Gu waved at them by the lake.

"Let's go, they'll be done. Zhou Na said.

......

Looking at Su Jian and Ai Gu with sad faces, Qin Fan knew that the difficulties they encountered were not small.

"The bank can't borrow money, which is a bit of a headache. Ai Gu muttered first. In the large conference room, there were only the four of them. Across the compound, opposite the office of the construction company, a group of black crows looked over here from time to time.

"Headache or not, eat first. Su Jian said heartily.

"Mr. Ai, there is no money, we will stop working, you also know that materials cost money, labor also needs money, and the money I brought from my hometown has been advanced. At some point, a man of five big and three thick men stood at the door shouting.

"It's not time to allocate funds yet, so why are you in a hurry? Ai Gu said unhappily.

"Mr. Ai, I'll just say it in advance. The man rubbed his hands and smiled.

...............................................................................

At the wine table, Qin Fan listened to them tell about their current hardships, like their situation, the situation in the mainland is almost the same, they can't get loans from banks, banks don't lend, and sales are difficult, after all, there are still a few rich people who can buy houses in full at this time, but the communities developed by Su Jian and Aigu are also adjacent to the luxury houses developed by Singapore real estate companies, Crescent Lake Garden.

"Cover it, cover it for as long as you can, until the policy changes above. Qin Fan remembered the practices of the bigwigs in later generations and said casually.

"Is that okay?" said Ai Gu in disbelief.

Qin Fan's heart suddenly moved, now the entire real estate is extremely sluggish, if they can use their relationship to sign more land transfer agreements with the local government and transfer the land to their own name, it is better than transferring it to those real estate giants in Hong Kong.

In the 90s, the land was transferred by agreement, and the developer signed a land transfer agreement with the government, and paid the transfer fee and the upfront relocation fee, and then the land could be transferred to the name of the development company.

In order to ensure the land revenue, the local government took the initiative to attract all kinds of developers to attract land on more favorable terms, so as to ensure the source of local fiscal revenue.

In 1997, coinciding with the Southeast Asian financial crisis, the entire Shanghai market was extremely sluggish.

At that time, the Shanghai government took the initiative to attract investment from Hong Kong's real estate giants, allowing these rich people to invest in Shanghai, and the conditions for them were quite favorable, not to mention, in terms of land development period, extremely relaxed, most land transfer contracts stipulate that the land development cycle is as long as eight years, so as to give these foreign capital the opportunity to hoard land, through the long-term reserve of land to win land appreciation.

After 2000, many foreign businessmen did not take the initiative to develop, but transferred pieces of land to other domestic and foreign-funded enterprises through equity transfer, and obtained income through land appreciation, and it was not easy to make money. Like Li Ka-shing, this is how hundreds of billions have been swept away!

In the history of real estate development, some developers have grown up with original sin. Many domestic small real estate enterprises, limited to financial embarrassment, often negotiate with the local government, first symbolically pay some intention money, capital of several million yuan is enough, and the housing and land department illegal operation, after receiving the deposit on the issuance of land use right certificate, the developer can get the property right certificate can go to the bank for financing, take the bank's funds and then carry out real estate development.

In fact, now mainlanders are making some quick money and hot money when doing real estate, and there is no black heart of those rich people in Hong Kong.

Of course, because of the tightening of bank banks, domestic small enterprises will not be far from running away.

In Beijing, when Pan Shiyi, one of the "Six Brothers of Wantong", was engaged in "solo flight", he bought the old site of the Hongxing Erguotou Factory located at the entrance of Beijing's East Third Ring Road, and wanted to develop a commercial and residential real estate called Modern City. He creatively came up with a new SOHO real estate concept, which means "small office, home office", and the design of the real estate is also very stylish, which is a rare minimalist style in Beijing at that time.

Like Su Jian and Ai Gu, due to the light property market, SOHO Modern City has been selling since its launch, and Pan Shiyi also specially invited Deng Zhiren, who once founded Hong Kong's largest real estate agency and has been involved in the Beijing property market for many years, to be the chief planner of the project.

Deng Zhiren tried every means to make advertisements and news about SOHO Modern City appear every day, but consumers' hearts just can't get warm.

By November 1998, Deng Zhiren finally lost patience, and after a big quarrel with Pan Shiyi, he abandoned the "city" in frustration. This month, it is the off-season of real estate sales in Beijing, Pan Shiyi in addition to shouting slogans every day in the company, he really can't think of any new tricks, plus he can't get a loan from the bank, almost counting the days and waiting for death.

It's just that his life is extremely "hard", starting from November 20th, "feng shui transfer", the sales of modern city swished up, the highest day, sold 17 sets, and the turnover was 30 million yuan at once. This is less than 20 days after Deng Zhiren abandoned the modern city.

The good days of "Pan Shiyi" came out of thin air!

In 1998, in the face of the impact of the Asian financial turmoil, in order to expand domestic demand, the "Notice of the State Council on Further Deepening the Reform of the Urban Housing System and Accelerating Housing Construction" (Guo Fa [1998] No. 23) was officially issued, which launched the real estate market. The main purpose of housing reform is to stimulate housing consumption demand and make it a pillar industry of the national economy.

This year, the State Council began to "loosen the gates" on real estate. At the beginning of the spring, the State Development Planning Commission and the Ministry of Finance cancelled 48 "unreasonable fees" in the construction industry.

On April 28, the People's Bank of China sent the "Trial Measures for the Administration of Personal Housing Guarantee Loans" to all commercial banks in the form of "special urgency", announcing that the loan term can be up to 20 years, and the loan amount can be up to 70% of the house price.

In July, the original 6% deed tax, 3% pawn deed tax and 6% gift deed tax were merged into 3%-5% deed tax. These measures are gradually warming up the market.

It was not until July 1998 that the State Council made a major decision to stop the practice of distributing welfare housing in kind for more than 40 years and to monetize the distribution of housing. The abolition of the policy of subdividing housing for welfare has greatly broadened the space for housing marketization.

......

Therefore, if Su Jian or Ai Gu wants to live a good life, it is just one word "wait". A large number of real estate companies such as Vanke, China Merchants, Gemdale, Wanda, Poly, Evergrande, R&F, and Pearl River may be waiting!

...........................................................................

Qin Fan asked Su Jian and Ai Gu to find a secluded place and told them his thoughts in detail.

"We're still worried here, you still let us take so much land, and then we have the money to develop it in the future?" said Ai Gu with some humility.

"Fanzi, this is not a trivial matter, in case the bank's loan can't be paid...... Su Jian also said worriedly.

Qin Fan thought about it and felt that he was a little impulsive, the sins of the land were not fun. There's a lot going on here.

However, after 2000, the implementation of the land bidding, auction and listing system was perfected, and in addition, large real estate enterprises did not rely on the accumulation of the market to obtain capital, but relied on the background of state-owned assets to easily raise money, obtained a monopoly position, and adopted the method of frantically pushing up land prices, and gradually drove private enterprises out of the market.

At that point, there will be no room for you to play.

Especially since 2007, the local government has blindly tended to "the highest price gets", which has further promoted the continuous production of land kings, and to a large extent, China's housing prices have skyrocketed in recent years. In other words, the high housing prices in various places are driven up by local governments in pursuit of land revenue, and the story that flour is more expensive than bread is often played out in China, a fast-growing country.

"I'll just say that, whether you think about it or not, I'm just a pity," Qin Fan said with a smile......

Su Jian and Ai Gu glanced at each other, the two of them originally just wanted to make a little money by making a small fuss, but now Fan Zi had drawn a big and tempting pie in front of them, and they couldn't help but be moved.

................................................................................

"What are they talking about in there, why have they been talking for so long?" asked Ai Jing, who had arrived in a hurry.

Zhou Na just shook her head, indicating that she didn't know either.