Chapter 134: It's Hard to Borrow Money
Outside the door of the billiard hall, Ying Hao, who came out, stopped for three seconds, shook his head and walked downstairs.
After sitting in the driver's seat of the counterfeit E320, Ying Hao took out his mobile phone from his pocket, found Guan Peisheng's mobile phone number, and then dialed out.
"Mr. Guan, I'm Ying Hao. After waiting for three seconds, Ying Hao, who was connected to the phone, reported to his home.
Guan Peisheng's calm voice came from the speaker of the mobile phone: "I know it's Mr. Ying, I don't know what Mr. Ying is looking for me here?"
Since Guan Peisheng has decided to let Qingdi Group cooperate with Glory Real Estate, Guan Peisheng naturally saved Ying Hao's mobile phone number.
It's just that yesterday Guan Peisheng clearly hinted to Ying Hao not to contact him until the results of the VAM agreement came out. Now that only a day has passed, Ying Hao called him, and Guan Peisheng couldn't help but wonder what Ying Hao wanted to do with him.
Ying Hao, who put down the driver's seat and lay down, did not hesitate and replied directly: "I want to discuss one thing with Mr. Guan." ”
"What's the matter?" you say. Guan Peisheng said lightly.
"I want to mortgage the four pieces of land in Yanjing to Qingdi Group and borrow 700 million yuan with 20% interest a year. Ying Hao said something that surprised Guan Peisheng.
Guan Peisheng, who was sitting on the leather chair in the office, said: "Mr. Ying, I'm afraid you're looking for the wrong person, right? If you lack funds, you should find a bank." With the current qualifications of Glory Real Estate, it is not very easy to find a bank loan of 700 million? Moreover, the interest is also very small. ”
Guan Peisheng was very puzzled, according to what Ying Hao said before, the potential of the four plots of land in Yanjing was very huge.
After Ying Hao left yesterday, Guan Peisheng asked the employees of the planning department of Qingdi Group to budget the value of the four plots of land according to Ying Hao. The employees of the planning department of Qingdi Group replied to the management trainee without going through too complicated calculations at all, as long as the subway line of Line 10 really goes from that side, the four plots of land can be conservatively estimated to be tripled.
At the same time, the value of these pieces of land now only adds up to more than 300 million.
In other words, those pieces of land can make 900 million just by waiting for the relevant policies to come out and selling them.
If they had developed it and sold it themselves, the profit would have been even higher.
Now Ying Hao suddenly wants to mortgage these four pieces of land to Qingdi Group and borrow 700 million, which makes Guan Peisheng a little uncertain.
If these four pieces of land are really as Ying Hao said, then it is nothing to lend Ying Hao 700 million. Even, if Ying Hao doesn't pay back the money, it's good for Qingdi Group.
But if Line 10 did not go from here as Ying Hao described, then 700 million would be given to Ying Hao for nothing. Qingdi Group invested more than 100 million yuan in these four plots of land alone, and then lent 700 million yuan to Ying Hao, which is equivalent to an investment of more than 800 million.
In this way, there is basically no profit.
Guan Peisheng's words just now also wanted to test Ying Hao.
Ying Hao was not surprised by Guan Peisheng's surprise, and replied very steadily: "I have an investment outside and need money urgently." If you take a loan from the bank, when the process is finished, the daylily will be cold. Among the people I know, only you have the capital to help me with this. ”
"Oh, I don't know what kind of project Ying is willing to invest at such a big price?" asked Guan Peisheng curiously.
700 million, 20 percent interest, that's 140 million interest. In other words, Ying Hao borrowed this money, and he had to repay 840 million yuan to Qingdi Group a year later. With the current strength of Glory Real Estate, even if all the assets are counted, there is no 500 million assets.
Guan Peisheng didn't dare to lend Ying Hao 700 million without knowing anything.
Ying Hao chuckled: "Mr. Guan, business secrets, no comment." If you want, I can go to your side and sign a loan contract with you now, and if you don't, then I won't look for you again. ”
Guan Peisheng's face showed embarrassment, if the direction of Yanjing Line 10 has been announced, then no matter where it goes, Guan Peisheng doesn't need to think about it to know how to reply to Ying Hao.
But now, the direction of Metro Line 10 has not been announced.
Whether he borrows the 700 million or not depends on whether he dares to gamble.
If the direction of Line 10 is the land they want to take, Ying Hao will repay the money a year later, and Qingdi Group will be able to earn an extra 140 million. If you don't pay back, Qingdi Group will earn more. In this case, it doesn't matter if you lend it to Ying Hao.
If you don't go this way, then the Qingdi Group will lose blood. It is equivalent to that these four pieces of land are developed at a loss, and they are not profitable or loss-making.
In a place like Yanjing, land is becoming more and more valuable. If you take a piece of land and don't make any money, then for the developer, it will definitely be a loss.
The Guan Peisheng on the other end of the phone fell into deep thought, and Ying Hao naturally did not urge the Guan Peisheng.
Although Ying Hao's words just now were not very clear, he also expressed his meaning very vaguely.
Guan Peisheng was willing to borrow this money, so Ying Hao accepted his love to borrow money. Guan Peisheng is unwilling, so in the future, Ying Hao will not look for Guan Peisheng again, to put it bluntly, it is to become friends or not to become friends.
In the end, Ying Hao's ears sounded Guan Peisheng's voice: "Mr. Ying, I'm sorry, although I am the chairman of Qingdi Group, I have no power in this kind of thing." Can't help you, sorry. ”
"Okay, that's the excuse for that. I'll look for someone else, you're busy first. After saying this, Ying Hao hung up the phone.
Guan Peisheng politely rejected Ying Hao, and Ying Hao naturally didn't say anything more. It's just that in the future cooperation between Glory Real Estate and Qingdi Group, Ying Hao will only do business and will not give up any benefits.
Ying Hao didn't think much about it, but continued to think about who to borrow money from.
As Ying Hao said to Guan Peisheng, if you want to borrow from the bank, it is too late.
After all, it will take at least one and a half months for the bank to check the assets, go through the process, and then allocate the funds, which will not catch up with the one-month deadline that Duan Huang said.
In addition to finding someone to borrow money, Ying Hao couldn't get 700 million funds in a short period of time.
Although Ying Hao still has more than 100 million funds in his hands after removing the 200 million funds he has recently prepared to acquire land in Yanjing, he is still more than 500 million yuan away, and it is not so easy to make up.
The World Cup has long ended, and if you want to make 500 million money by buying football lottery, it is impossible, so you can only honestly find a way to borrow money from other places.
After thinking about it, Ying Hao dialed Mr. Huang's phone again: "Brother Huang, are you busy here?"
Mr. Huang, who was looking for a company suitable for Ying Hao to acquire, replied with a smile: "It's okay, what's the matter with Brother Ying?"
"I've been a little tight lately, I want to see if Brother Huang can help?"
The reason why Ying Hao spoke directly to Guan Peisheng was because Ying Hao knew that Qingdi Group could get the money.
Although Mr. Huang has also been mixed in the real estate industry in Shencheng for so many years, the scale of his company is about the same as that of Tianlun Real Estate, at most it is a little stronger, and it is very limited.
If you want to borrow so much money from Mr. Huang at once, it is impossible.
Even if Mr. Huang wanted to borrow, he didn't have so much money to borrow.
Mr. Huang was stunned for a moment when he heard this: "Brother Ying, why are you short of funds?"
Mr. Huang almost knows how much money Ying Hao has in hand, and according to the reason, Ying Hao will not lack funds if he lacks anything. At least the few pieces of land that Ying Hao has in his hands now, none of them are mortgaged to the bank for loans.
If Ying Hao is really short of funds, he will mortgage a piece of land to the bank, and he will soon have funds.
Ying Hao explained with a smile: "Looking at the last door, I want to invest some money to get in." The money of Glory Real Estate can't be moved, so it can only find a way from somewhere else. ”
Mr. Huang was silent for a moment, and then said, "One or two million, I can still pay it out." If you have more, you won't be able to. ”
"One or two million, forget it, I'll think about it again. Ying Hao said.
Ying Hao said to Mr. Huang that there was only one or two million, but he didn't have any ideas, and Ying Hao could also understand Mr. Huang. After all, Mr. Huang has so much land to develop, and he must at least keep some funds in his hands.
Coupled with the company's operation and other miscellaneous expenses, it is already very moral to be able to pay out one or two hundred million.
Indeed, as Ying Hao thought, the one or two hundred million that Mr. Huang said was his private deposit.
The company's funds are basically spent on development. The money in the account is also a reserve fund reserved in case something happens. These can't be used casually, otherwise something really happens, and the company will be finished.
Real estate developers, the most important thing to pay attention to is the capital chain.
Once there is a problem in the capital chain, even if you can get through the difficulties, there will be a lot of losses.
Mr. Huang didn't expect that if he lent Ying Hao one or two million, Ying Hao would be too little.
According to Mr. Huang's idea, one or two hundred million can be invested casually. After all, investment is all about investing in the kind of company that is just starting out, and it is not worth much at all.
However, Mr. Huang didn't ask any more.
Since Ying Hao refused, it means that his money is indeed far from the amount Ying Hao needs. He is willing to lend money to Ying Hao, but he is not willing to share Ying Hao's matter.
Don't ask, and the matter is over. asked, if Ying Hao said what he wanted to do and asked him to help raise some money, would he help or not?
Mr. Huang, who finally got into a relationship with Ying Hao, didn't want to be unhappy because of this.
After a few words of greeting with Mr. Huang, Ying Hao hung up the phone, lay on the driver's seat and looked at the roof of the car and pondered.
Ying Hao is not ready to use the funds of Glory Real Estate to invest in Xunteng, in that case, even if he invests in Xunteng, only Glory Real Estate has become a shareholder of Xunteng.
Ying Hao wants him to become a shareholder of Xunteng privately, not Glory Real Estate to become a shareholder of Xunteng.
With the development of Glory Real Estate, a part of the shares will definitely be divided out in the future, in that case, it is tantamount to letting others take advantage of this in vain.
Ying Hao, who made two phone calls in a row and failed to get the money, was also thinking about where to get the money from Xunteng.
PS: One shift today, three shifts tomorrow