"Mr. He, your proposal is not impossible, but it is okay to do so in a short period of time, if it is like this in the long run, the income and risk of the theater will not be increased exponentially? You know, house prices and rents are rising every day......" In the face of He Zilong's proposal, it is obvious that Lao Lei is moved, but the long-term habit has become natural, which still makes him have some resistance to changing so quickly.

Besides, there is some truth in what he said. Housing prices in Hong Kong are now rising every day, and some of the real estate land is already their own Xinli Line Cinema, after all, they are not afraid of the landlord raising the rent, but what about the cinemas that are just rented venues?

If the income decreases, the risk multiplies, and the landlord makes up for the rent increase, it will be really fun. After all, the landlord doesn't understand what you're doing with a price reduction, he'll only believe what he sees on the surface, and suddenly there are so many guests here to watch the movie that he'll think you're making a lot of money in the cinema. I definitely want to increase the rent!

How many owners who opened shops in China in later generations simply closed down their shops because short-sighted landlords raised rents every day?

These bloody examples are abundant in past and present lives.

"So, how many movie theaters in your cinema chain are not their own land, but are rented, and what ......is the proportion?" He Zilong looked at Boss Lei and asked.

"There are thirteen more, accounting for about 20 percent...... Boss Lei replied.

Thirteen families? He Zilong finished knowing that his eyes were small, and the Shaw family didn't talk about it, the old camel guy must be 100% his own land. Otherwise, the successor will not sell Ye Tian in the future, and it will not be heartbroken!

Only Golden Harvest's Asian cinema network, apparently including 33 cinemas, a total of 160 cinemas, according to intelligence.

In this way, the number of competitors is two or three times that of the Xinli line. Is there only thirteen? Not too high!

"Where are the thirteen families...... He Zilong continued to ask.

"Well, here, here...... "I'll go, Boss Lei seems to have been prepared for a long time, and he brought a map of Hong Kong with him. Following his fingers, He Zilong looked over one by one. But I was relieved, fortunately it is not particularly close to the city center, according to the current land price, it is probably all-inclusive, and it is enough to buy the land, only twenty or thirty million.

Now that Boss Lei's liquidation crisis has long been resolved, I believe that the bank will be willing to lend him a mortgage. After all, in Hong Kong, real estate is king, and no loan is worth anything in the bank's mind, and the house and land are hard currency. Mortgage, land loan, OK, very good, easy to pass.

He Zilong said what he thought in his heart, and added: "If Boss Lei is unwilling to pay this money, then let me take out the loan for the land of the thirteen movie theaters, according to the current down payment of 10% in Hong Kong, and the mortgage for 35 years......"

He Zilong has said all this, can Boss Lei still disagree? If he doesn't agree, there will be a ghost!

He Zilong's words are equivalent to indirectly saying that it is unlikely that his thirteen movie theaters may increase the rent in the future, even if it is the most friendly price. Moreover, this can be regarded as He Zilong's investment!

Hong Kong's housing loan is so crazy, 30% down payment, 10% is OK, there is no limit to personal loans, as long as you have money, let alone buy in the name of the company. A super high-quality customer like He Zilong can handle a mortgage in one sentence.

He Zilong, who really wanted to wait for the return of 97 to enter the real estate, only invested in these thirteen places, or paid off in 35 years, and the pressure was still not great, even if the housing prices collapsed when 97 returned, he started these places so early. It was only 1992, and it was five years since the last madness of '97, and the house prices had risen by five years.

Even if it does come to the year of the collapse, it will drop by a maximum of 30% of the house price. Hold on, wait until after 98 years, drop as much as you want, double it up. Think about the housing prices in Hong Kong in the future, and pay off the loan in 35 years, that's really taking advantage of it, isn't it?

You know, after taking out a loan, basically how much to repay each month becomes a clear thing, and there will be no major changes.

In an inflationary environment, the currency has a much greater ability to depreciate than the value of monthly payments. Perhaps the monthly payment of 5,000 yuan a month today will only be equivalent to 3,000 yuan in three or five years, or ten years from now. The longer the loan, the more interest you have, but from the perspective of repayment, you can earn the monthly payment of this amount after many years.

The same loan of 1 million, repayment of 10 years, 20 years and 30 years, the same period, the monthly payment amount is different, simple thinking will know, it must be that the longer the loan term, the less the monthly payment.

This is a thing that can relieve the financial pressure and life pressure for most home buyers who take out a loan to buy a house. After all, in addition to monthly payments, there are many places where we need financial support.

In addition, the longer the loan period, the more options there are for early repayment.

Generally speaking, it is best not to exceed 13 of the loan term for early repayment, because the loan repayment is generally to repay the interest first and then repay the principal, and if it exceeds 13 of the loan term, it is not cost-effective.

For example, if you borrow for 10 years, the most suitable time for early repayment is the first 3 years, and if you borrow for 30 years, you will have 10 years to decide whether to make early repayment.

Obviously, for people who take out a loan to buy a house, there are still a few people who quickly withdraw funds within three years or have a large amount of money in their hands, and it is not cost-effective to repay the loan in advance beyond this time. If you take out a loan for 30 years and accumulate funds within 10 years, there are still many people who repay the loan early.

Especially for He Zilong, who opened the company and opened the hanging, the role of cash flow has been confirmed by countless predecessors in later generations. And my penny now is more expensive than every penny in the back, so naturally the longer the loan, the more it will be calculated.

-

"Boss Lei, I will leave the land problem of your thirteen movie theaters to me, I can guarantee that the rent will not be increased for ten years, and add another 20 million, and only ask you to have 5% of the shares of the theater chain and become a shareholder, how do you think it will ......?" He Zilong gestured with his fingers.

"This, this, well, well, okay, you can ......" Ten years without raising the rent, this temptation is too great, plus there is a favor of borrowing 50 million without interest before, Boss Lei is still reasonable and grateful, and he really can't say anything to refuse.

Seriously, adding 20 million and ten years of rent, you will need 5% of the shares, in fact, He Zilong took advantage of it. The reason is very simple, Boss Lei's company is a big guy with a market value of billions and about 10 billion in a few years.

5% is worth about 500 million, of course, provided that the stock price remains at this level. But with He Zilong's understanding of later generations, he can really maintain it. So it must be earned, and then when it comes to ten years of rent not rising, in fact, it will not rise for five years, because one to 97 years ago, housing prices will collapse in the short term. The rents of all landlords have plummeted, and they are even cheaper than before.

And He Zilong's ten years have not risen, and he must sign a contract. That is, to maintain the current level every year, and when the rent plunges in the two years of 97, Boss Lei will find that the rent outside is cheaper, and he is still the same here, which is equivalent to a disguised price increase.

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