At the end of September, the real estate market price in Hong Kong was the highest in history, which also greatly stimulated the Hong Kong government.

HSBC and other banks have begun to raise the prime loan interest rate and mortgage interest rate significantly, which is only the first step.

Seeing that real estate developers, together with some of their own or affiliated financial companies, began to subsidize the interest of various housing loans, the Xiangjiang government immediately came up with a new trick.

At the press conference, the chief secretary personally announced that the Hong Kong government has always supported real estate transactions, but the real estate market in Hong Kong needs to develop healthily and cannot be so radical.

Therefore, in the purchase and sale of real estate, some expedient measures also need to be corrected.

One of the most important points is the abolition of the "installment payment" policy for real estate merchants when buying land.

As soon as this news came out, the entire Xiangjiang real estate market immediately shook violently.

The land in Heung Kong is definitely one of the most expensive commodities in the world.

Usually hundreds of millions, hundreds of millions, billions of dollars are possible on a piece of land!

This is the Xiangjiang in the 80s, not the Xiangjiang in the 40s.

At present, the monthly income of Xiangjiang residents is only about 1,800 Hong Kong dollars at best, and you can know how astronomical the price of land is hundreds of millions of yuan.

The real estate developers in Hong Kong are rich, but they are not very rich.

For example, the new Chinese-funded five tigers, Sun Hung Kai, Cheung Kong, Hang Lung, Hopewell Industries, and Wharf, the highest market value is the annexation of Hutchison Whampoa's Cheung Kong Industrial, but it is only a plate of about 7 billion Hong Kong dollars.

Oh, by the way, Li Chaoren bought Hutchison Whampoa, or relied on a loan to buy it in installments, and now Cheung Kong Group still owes HSBC billions of dollars.

If Wharf adds the rest of the Bao family's property, it will be able to have around 10 billion, but Bao Yugang will definitely not put his eggs in the same basket, so Wharf is now less than 6.5 billion Hong Kong dollars in market value.

Another example is Henderson Land, which has just been listed, even if it issues an additional 1 billion Hong Kong dollars, they only have a market value of 3 billion Hong Kong dollars.

In fact, the top 10 Chinese-funded real estate developers usually have a market value of between 3 billion and 5 billion Hong Kong dollars.

These funds are all on projects one by one, and not only their own money, bank loans account for a large proportion.

You say that if such a company wants to buy a piece of land, an astronomical amount of hundreds of millions of Hong Kong dollars, can they take it out in one go?

It can be reluctantly, but did you buy this land and stop doing other business?

Of course not!

Therefore, a few years ago, they discussed a workaround with the banks and the government.

Instalment.

Pay in installments to buy land.

For example, if I buy a piece of land in Sheung Wan, about 500 million Hong Kong dollars, then when I win the bid, I will pay 50 million Hong Kong dollars first, and I will pay the rest in three years.

In this way, the government can sell the land at a large price, and I can also get benefits, which will further push up the housing price.

This is also one of the root causes of the continuous rise in housing prices in Hong Kong in recent years.

Now, MacLehose has made up his mind and decided to rectify the real estate market, at least firmly tethered to this wild horse, so he immediately cut such a knife and cut it on the soft underbelly of real estate businessmen.

In fact, this is similar to the people buying houses in installments, and they have no money and want to do the things of the rich, what should I do?

In this way, even if you bear the interest of some loans, you can buy your favorite goods right away.

Specifically, in real estate, after buying, you can enjoy the dividends brought by real estate appreciation, compared to the increase in the price of houses and land, the interest is nothing.

But what if the government controls your installments and doesn't allow you to borrow money to spend in advance?

The result is also very simple, buyers will not be able to buy houses immediately, and real estate developers will not be able to buy land immediately.

According to the current crazy situation of the land market in Hong Kong, except for the giant Jardine Matheson, which can spend 10 billion Hong Kong dollars to acquire land, the rest of the real estate developers, even Cheung Kong Group and Wharf, cannot afford to take a few more pieces of land.

As for those medium-sized real estate developers, if they take two or three plots of land at most, they will be considered saturated and will not be able to take them.

How exaggerated is that?

Even Eagle Real Estate, which can't reach the top 10, has a total of 8 real estate projects starting construction and sales at the same time this year.

What if they wait until they finish up the land they have now, and suddenly they can only start 2-3 projects at the same time a year?

Loans from banks, salaries from workers, profits from companies...... Wait, wait, wait, it's not guaranteed!

So, everyone suddenly panicked.

If HSBC's strategy a few days ago only made these real estate developers a little nervous and frowned, now these measures of the government are directly killers.

Although it is impossible for everyone to do real estate without any land reserves, if the government is really allowed to continue like this, at most three to five years, these real estate developers will be greatly damaged and reduced to scum.

As the most powerful chamber of commerce in Xiangjiang, the Xiangjiang Real Estate Construction Association immediately held a meeting, and because it was a plenary meeting, Yin Jun was also called.

It's just that Yin Jun didn't speak, he just sat in the corner and listened to their heated discussions and discussions.

Watching them show their true nature and constantly find ways to tide over the difficulties, Yin Jun unconsciously sighed that on this earth, let alone Xiangjiang, even the United States and Britain are always the ones who make the rules of the game, and they hold the greatest power.

No matter how many assets you have, hundreds of millions or billions, as long as the government is determined to deal with you, you will have no choice at all.

Like Yin Jun, it was Mr. Huo who didn't speak.

But unlike Yin Jun, Yin Jun has no real estate business in his hands, so he stays out of the matter and does not speak, Mr. Huo obviously controls the lifeblood of the real estate merchants in Xiangjiang - Hesha, but he still does not speak.

Even when others asked him, he smiled and didn't say anything.

Since the 70s, after the Xiangjiang government began to suppress Mr. Huo, he has been like this in the Xiangjiang Real Estate Builders Association, a bit like a god who does not say a word, overlooking all living beings.

However, he still has irreplaceable building resources in his hands, so everyone can't do anything about him, and they don't dare to offend him.

Everyone knows that Mr. Huo is unhappy, first, he is unhappy that when he was suppressed, everyone did not support him, and second, he is unhappy that everyone has become closer and closer to the Xiangjiang government for the sake of interests over the years.

However, knowing is knowing, and there is no way for everyone to change.

After all, Xiangjiang is still under the jurisdiction of the British, and they don't have Mr. Huo's confidence and background to fight against the British.

Therefore, everyone can only be an ostrich, pretending not to see the contradictions.

The real estate developers in Xiangjiang have such a performance, and it is no wonder that Mr. Huo has not appeared in the outside world much over the years, and generally does not speak.

It's just that at this time, Mr. Huo, who was sitting next to Yin Jun, was chatting with Yin Jun in a whisper with interest.

"Ah Jun, I'm going to Huajing for the Chinese New Year, will you come with me?" asked Mr. Huo.

"I'm supposed to go to the United States, there's a lot going on there...... Huo Lao, is there something wrong?" Yin Jun asked rhetorically.

"Oh, it's actually not a big deal, it's just that Xiao Lao and Yun Lao over there, I want to meet you and talk to you about the future of our country. Mr. Huo said with a smile.

Yin Jun was taken aback, "Tell me about national affairs, I don't understand it!"

"Look at your timid appearance, it's really far worse than when I was young!" Mr. Huo snorted lightly, "You literati, it's just not good, timid!"

When Mr. Huo was a teenager, he dared to hold a wooden boat, braving artillery fire to go back and forth between the two sides of the strait, earning his first pot of gold, Yin Jun was certainly not bold enough compared to him.

But Mr. Huo didn't mean to despise it.

In his opinion, although Yin Jun is a little weaker, he has a lot of energy and bones, and he is a very rare good seedling.

I can't wait until a hundred years later, and the heavy responsibility of maintaining the connection between Hong Kong and the mainland has to fall on this young man.

In the past, Mr. Huo was optimistic about Li Superman, although Li Superman was a little gloomy and selfish, but in the big festival, this person has never lost, so he is also the best candidate.

But now it's different, after Yin Jun was born, he swept across the entire business world of Xiangjiang, and his methods were very sharp and violent, and everyone was caught off guard.

Corresponding to the means, it is Yin Jun's character, which is unexpectedly gentle, has a good reputation for being a person, knows kindness, is humble and polite.

Such an extreme contrast made Mr. Huo unconsciously interested in Yin Jun, so he also came to meet him.

After Yin Jun's performance, Mr. Huo was even more satisfied, especially firmly withstood the pressure of Baodao, and stubbornly ran the electronics factory in Lin'an, giving many patriotic businessmen who are interested in returning to the motherland, an incomparably dazzling light.

Therefore, Mr. Huo has now changed his mind and wants to cultivate Yin Jun well.

However, he also noticed that Yin Jun was extremely cold to politics and politics, and he was not willing to get close to those bigwigs at all, which seemed to have a bit of a taste of political cleanliness.

This made Mr. Huo feel a little emotional, it was too late for others to get up, but you just rejected people thousands of miles away, which is really interesting.

This is also one of the reasons why Mr. Huo said that Yin Jun was "timid".

But Yin Jun didn't care, "Huo Lao, I'm just a businessman, let me contribute my strength to the country and the people in business, and I really don't want to pay attention to the rest." ”

"Being in the game, how can you just ignore it?" Mr. Huo couldn't help but sigh, "Don't worry, now they won't repeat it...... As long as you can keep your heart, the future mainland business community will be your world!"

"I'm not worried, in fact I have a lot of confidence in the mainland. Yin Jun laughed, "You also take care of your health, then you can see how our motherland ranks among the world's great powers in 30 years!"

"Then why don't you go and get in touch with them more? With their help, you will take a lot of detours!" Seeing that Yin Jun's confidence was so sufficient, Mr. Huo was not surprised.

"It's not the time yet, I'm looking forward to a better opportunity. "The young man is colorful.

"Huh. ”

Mr. Huo didn't understand what Yin Jun meant, and he felt that Yin Jun was still a little unsure about the current situation.

This is also normal.

Normal people are not so absolutely full of trust, especially after looking at the situation in previous years.

"Whatever you want!" Mr. Huo said in a deep voice, "But the people above entrusted me to tell you that the mainland supports all your investment activities, so don't scruple and do it boldly!"

"Good!"

Yin Jun replied calmly.