Such confusion waited until the analysis article of "Kirin Daily" came out, and everyone understood what was going on.

It turns out that the main force of this rush to buy is actually the employees of Kirin Group!!

The Kirin Group is not only engaged in business and entertainment, but also its workers, with a total of more than 28,000 employees, which belongs to the top three companies in Hong Kong in terms of the number of employees.

Among them, the largest number of people are naturally Kirin Construction Company, Kirin Printing Company under Kirin Culture, and Kirin Toy Company, and the number of people in these three companies exceeds 25,000.

Basically, 95% of these people are from the mainland, and they are usually from the mainland in the last two years.

Except for the Kylin security team, which had to be trained in a unified manner, so they lived in the dormitory building of the Kirin Industrial Park, most of the people of the three companies used to live in houses built by farmers around Tin Shui Wai and Yuen Long.

The environment can't be said to be too bad, but at best, a family has a living area of about 300 square feet, and it is crowded with a large number of people.

Therefore, they have long planned to buy a house, but the housing prices in Xiangjiang have been rising before, and they are all waiting and seeing, hoping to reduce the price a little.

Now that housing prices have dropped sharply, the first people in this group of people to enter the Kirin Group to work are a little unbearable, first tentatively dozens of people to start, and then hundreds of people, and now thousands of people have become family members in the New Territories, Yau Tsim Wang, Ngau Tau Kok, these areas, everywhere to see houses, hoping to buy a house at a reasonable price and more convenient.

Wait a minute!

How can they have the money to buy a house?

The predecessor of the Kirin Group, Kirin Culture, began to appear, but it was only two years ago in September 1979, when the first issue of "Kirin Weekly" was published, which marked the beginning of the emergence of the Kirin Group.

When it comes to the fullest, their establishment is only two years.

No matter how you say that the treatment of the Kirin Group is good, in the past two years, the workers have an average of 4,000 yuan a month, is it enough?

That's only a basic salary of 96,000 yuan, plus a bonus of 120,000, right?

Besides, the 120,000 yuan can't be completely used to buy a house, and the family's food, drink, and Lazar have to be deducted from it.

There are rules in the Kirin Group, in order to meet the needs of more families who come to Hong Kong, only one person in your family can work in the factories of the Kirin Group.

Even if two single men and women who don't know each other are ready to get married because they see each other, then one of them must leave their jobs.

Although this is a bit cruel and unfair, it ensures that more families from the mainland can survive to the greatest extent, which is the greatest compassion.

Therefore, even if they can make money, they can't go out with this number.

Based on the current housing prices in Hong Kong, the average urban price of Hong Kong Island and Yau Tsim Mong is about 1,300 yuan per square foot, and the price will not be less than 800 yuan per square foot if the scope is expanded to the whole of Hong Kong.

Usually, the house where a family of three lives must be at least 300 square feet, that is, about 27.87 square meters, and it will cost 240,000 yuan.

The difference between 120,000 and 240,000 is half.

If you want to buy a house, there is only one way, and that is a loan.

But now the bank mortgage interest rate in Xiangjiang has reached an astronomical figure of 21%, and the bank's strictness in the loan qualification review is also known as the strongest in history, many white-collar workers of large companies cannot get loans, how can they pass the bank's review for only one or two years?

The results were really unexpected.

These people did take out loans to buy houses, and they all got the loans very smoothly.

The loans to them were given by the Heung Kong Commercial Bank and ...... and the famous HSBC.

As soon as the names of the two banks came out, everyone suddenly realized.

The relationship between Heung Kong Commercial Bank and Yin Jun is something that everyone in Heung Kong knows.

Yin Junneng started out and took out a mortgage of 50 million Hong Kong dollars with 10 scripts.

For now, Yin Jun's script must not be able to buy one for 5 million, but in 1978, one script of Yin Jun was about 1 million.

But Chen Youhan, the chairman of the Xiangjiang Commercial Bank, has the courage, Yin Jun wanted 30 million, but he directly gave 50 million.

This investment was ridiculously silly at the time.

But when this matter was revealed two years later, everyone was envious, jealous and hateful, this Chen Youhan really made a profitable business!

He helped Yin Jun to take the first step out of business, so almost all of Yin Jun's loans and capital transactions were placed in Xiangjiang Commercial Bank, and as Yin Jun became more and more developed and famous, Xiangjiang Commercial Bank also became famous, and gradually developed from a middle-class bank to a top 20 commercial bank in Xiangjiang, which was definitely a big step forward.

The most important thing is that Chen Youhan also gained Yin Jun's friendship because of this.

In terms of Yin Jun's development speed, even Mr. Huo and Dong Chuanwang have said that in 10 years at most, he will become the richest man in Xiangjiang, and there will be no problem in 20 years after the richest man in Asia.

With such a potentially powerful friend, Chen Youhan doesn't have to worry about anything in his life.

Of course, on the other hand, Chen Youhan is also very supportive of Yin Jun's career, and he has done his best to help Yin Jun's mortgage loans for the acquisition of stocks of various companies, so Chen Youhan has also contributed a lot to Yin Jun's success.

The two have such an iron-clad relationship, you said that Yin Jun's employees went to Xiangjiang Commercial Bank for loans, how could they not pass the review?

In the same way, Yin Jun is also a non-executive director of HSBC, and has a close relationship with Shen Bi, who mortgaged an astronomical $3.2 billion from HSBC to buy American properties.

Such a person of his own will increase his patrons, of course, HSBC will take care of one or two.

However, this has made many Xiangjiang people dissatisfied.

In particular, HSBC, the largest bank in Hong Kong, made an exception to issue loans to the workers of the Kirin Group, which was very dissatisfied.

Because many of them think that their qualifications are much better than those of the workers of the Kirin Group.

"Shady!

"My loan application was only called back yesterday, why is it so easy for them to apply?"

"I'm a senior management talent who has worked in XX Commercial Bank for 15 years! My annual salary is more than 200,000 yuan, and my job and family have always been very stable, but HSBC still says I'm not suitable...... I'm not suitable, but the people of the Kirin Group can be suitable? Are everyone of them Yin Jun, all of them Le Yiling, all of them Huo Jianning, and all of them Liang Shuyi?"

"Hehe, HSBC, you all open the back door to others like this, how can people respect you?"

"Yin Jun is really good at hands and eyes, so that he can get benefits for his employees, I really look forward to becoming Yin Jun's employees!"

"Don't look at them dancing happily now, it's not certain how the house price is, when you buy the peak, you should cry!"

“……”

In the face of the continuous complaints of citizens, HSBC and Heung Kong Commercial Bank did not let this trend spread.

They quickly came up with a public statement.

The first point is that these employees of the Kirin Group have come up with a 20-year contract signed by the Kirin Group and them, and this kind of long-term contract, in an ordinary factory, may be a kind of exploitation, but in the Kirin Group, this is a guarantee that can guarantee their work and income in the next 20 years.

And this happens to be the most needed guarantee for bank loans.

A mortgage loan means that you will be able to make your payments on time every month.

With the income of the Kirin Group, are they still worried about not being able to repay the loan?

The second and most important point.

These employees of the Kirin Group, their guarantors, are the Kirin Group.

With the Kirin Group's big family and willingness to personally guarantee their loans, what do you say the banks are worried about?

At best, these employees are only 20,000 or 30,000, and even if they take out a loan of 300,000 per person, it will only be 9 billion Hong Kong dollars at most.

Although the current market value of Kirin Group accounts for more than 14 billion Hong Kong dollars, its net assets have already exceeded 5 billion, and it is more than enough to meet the default liability of these loans.

Besides, the loan is also collateralized, and the house they buy now, even if it is worthless, should have half of the market value in the future, right?

After such careful calculation, the bank can't lose money at all, but can get tens of thousands of high-quality customers!

With this announcement, those who were slandered were finally much quieter.

What else can you say?

Not only are the conditions so good, but the key is that Yin Jun guarantees them, and one of the top five super-rich people in Xiangjiang personally guarantees it, how can you say that the bank will not agree?

Their bank just wants to suppress housing prices, it's definitely not that they don't want to do business!

How could a bank not like such a potential tens of thousands of high-quality customers?

In fact, none of these people thought that in addition to the fact that the first point was right, the second point was purely a trick that the two major banks and Yin Jun urgently discussed to deal with the people.

The most important thing is that this is not Yin Jun's original intention, let alone the bank's own meaning, but from MacLehose.

In the past few days, the tide of people has not only suppressed the continuous plunge in the stock market, but also the property market is about to collapse, which has made the Xiangjiang government panic.

Once the property market in Xiangjiang collapses, the blow to Xiangjiang will be more than ten times the blow of this wave of immigration!

Hundreds of thousands of people will all fall into a situation where their lives are in dire straits and their assets are seriously shrinking.

This is not a joke, it is likely to cause a riot!!

The Xiangjiang government wants to suppress housing prices, but it definitely hasn't thought about finishing it!!

It was at this time that MacLehose found that there was actually a group of "wronged bosses" who came out to pick up the bargain, and this group of people was actually employees of the Kirin Group, and he was really overjoyed as if he had picked up gold.

Isn't this the most important factor in stabilizing the market that you need?

Not to mention others, just among the employees of Kirin Group, there are 10,000 people who come to buy a house, which is definitely a stable force!

The property market is like this, once someone starts to enter the game, and many people continue to buy houses, it is easy to affect the psychology of the people.

Once these people are stabilized, then the property market can be stabilized and will not fall into a crash.

So, MacLehose personally called Shen Bi and asked him to ask HSBC to help and give these people loans.

Shen Bi is an old friend of MacLehose, so he naturally gave him this face, and this is why HSBC has entered the game, otherwise according to the conditions of the group of people in the Kirin Group, it is actually not enough.

Then when these controversies came out, MacLehose called Yin Jun again and asked him to cooperate with HSBC and Xiangjiang Commercial Bank to put on a show, announcing that the Kirin Group would be used as a guarantee to show the people of Xiangjiang.

So, in the end, there was this announcement that everyone saw.