In the private room of the hotel, Yu Jin gave the name of the mansion that Bian Xuedao couldn't afford - Hedong Garden.

Bian Xuedao listened, he really can't afford this now.

"Hedong Garden" is the No. 1 century-old mansion in Hong Kong, located on the top of Victoria Peak, where Chinese and dogs were once not allowed.

If you want to buy this house, don't even think about it without 4 billion, this is still a conservative estimate, in the heart of the homeowner, the price must be higher than 4 billion.

Why is it so expensive?

It's not the building that's expensive, it's the land underneath it.

The top of the Taiping Peak, a real land where every inch of land is valuable!

Yu Jin obviously did his homework, hastily ordered a few dishes, and continued to encourage Bian Xuedao: "In a certain circle, the mansion is one of the symbols to show the strength of the owner and judge the status of the person, even if the business is at a loss, real estate is also an important part of the property. To be honest, Lao Bian, your French winery is of sufficient grade, but Yanjing is this...... Fair. ”

After taking a sip of tea, Yu Jin continued to say: "The investment attribute of HK luxury houses is greater than the consumption attributes, and in HK, the purchase of luxury houses is essentially to buy land, to buy precious and rare land. Take Hedong Garden, for example, which covers an area of about 130,000 square feet, according to 0. 5 times the plot ratio, can build 65,000 square feet of property, which is equivalent to about 6,000 square meters. If you buy it and rebuild it, you can build 10 villas of the same size as Laobian in Wancheng Huafu. The area of each set can be reduced to 12 sets. This location, this location, this rare property, after the villa is built, how much do you say it will sell per square meter?"

As he spoke, Yu Jin threw the question to Bian Xuedao, and Bian Xuedao groaned and did not answer.

Yu Jin turned his head to look at Li Yu: "How much do you think should be sold per square meter?"

Li Yu calculated for a while, gritted his teeth and said, "800,000 RMB per square meter." ”

Yu Jin patted the table and said: "Wrong! 800,000 is the floor price, hoard it for a few years, build a villa and sell it slowly, at least double it." ”

1,600,000 RMB per square meter!?

Li Yu was dumbfounded when he heard it, and it took more than ten seconds before he said, "I will buy it if I am crazy." ”

Yu Jin corrected with a grin: "It's a rich madman." ”

Looking at Bian Xuedao, who was still pondering, Yu Jin continued: "Let's put it this way, if you go back to 1923 and give you 70,000 yuan to buy things for investment, what do you think is the most profitable thing to buy?"

Although he knew that Yu Jin's thinking was very jumpy, the assumption of such a jump still made Li Yu completely stunned.

Bian Xuedao retreated from his thoughts and looked at Yu Jin with a little curiosity - isn't this kid talking about rebirth?

Seeing that both of them looked at him with a dull face, Yu Jin took the initiative to give an answer: "In 1923, the first owner of Hedong Garden bought the land for 70,000 yuan, and now, in 2008, this land is conservatively estimated to be worth 4 billion. 70,000 ...... 4 billion ...... How much has it appreciated? It has appreciated nearly 60,000 times!"

"If you put 70,000 yuan in the bank, how much money will you have today, 80 years later? You can't even find the bank where you deposited the money back then, and it has long been blown away by the ups and downs of more than 80 years. Or, in 1923, you went to Peking and bought seven or eight sets of three-entry courtyards, if it is passed on to today, it is absolutely fine to be worth billions of yuan, but unfortunately, in the middle you will experience a change of ownership, private property becomes public property, so the return on investment is equal to zero. ”

Seeing the adoring expression on Li Yu's face, Yu Jin continued: "In fact, as long as private property rights can be protected, the king of ultra-long-term investment is still the real estate in the central city and the core area. As for financial assets such as equity and bonds, although they have strong liquidity, they are like a dream bubble in the long river of history, with the ups and downs of the world, and then disappear in the blink of an eye. ”

While learning the Tao quietly, Li Yu couldn't help but ask, "Where is the gold?"

Yu Jin said: "Gold is a very clumsy investment product, and it is not very interesting. ”

Li Yu asked, "Is HK a freehold property?"

Yu Jin said: "Theoretically. ”

Li Yu glared at Yu Jin: "......"

Yu Jin said: "Let's just say that this Hedong Garden, which was built in 1927 and has been 80 years now, has always been owned by the same family, and the owner of the house has the right to sell or renovate, and no one has the right to interfere, and it will not be forcibly demolished, isn't this permanent?"

All right......

What Yu Jin wanted to say, Bian Xuedao understood, and Li Yu also understood.

The dish is coming.

Bian Xuedao was noncommittal, and asked another topic: "I remember that you co-founded a microfinance company, how is it now?"

When Yu Jin heard this, he immediately sat up straight.

This is not a casual question.

Yu Jin, who served as the deputy general manager of Youdao Group's cultural film and television division, is now in an important position, and his own businesses that are not very good on the table should be stopped.

Not to mention anything else, the navy business, baths, and small loans (usury) that Bian Xuedao knew could not continue to do, and they must be completely detached, and even erase the traces with all their might. Otherwise, once it is dug up, it will not only damage the image of Yu Jin's person, but also the Youdao Group will be smeared.

Bian Xuedao is clear, with today's wisdom, he should know the trade-off, but he still has to pick out this sentence, first say it and then don't mess up!

Yu Jin said: "Lao Bian, don't worry, I am now investing all my energy in film and television entertainment, and the previous livelihoods were all taken off a few months ago, and I will not leave anyone with a handle." ”

Bian Xuedao nodded after hearing this, and asked Yu Jin: "The usury piece has also been taken off?"

Yu Jin said: "I have to get rid of it, then again, it's a pity." ”

Li Yu answered: "It's a pity, it's very profitable?"

Yu Jin said: "You must earn it!"

Hearing what Yu Jin said, Bian Xuedao became interested, ate some food, and asked, "How to make money?"

Yu Jin put down his chopsticks and said, "You will understand for example...... A friend who is a loan shark rents an office, registers dozens of companies, and uses them to get loans from different banks. The money he lent from the bank cost (monthly interest) 1 cent, but if he lends it again, he can earn several times, almost an empty glove white wolf. ”

Li Yu asked: "The bank doesn't go to the company for verification?"

Yu Jin said: "It's simple! When this bank comes, it will be replaced with this brand." When the bank came, it changed to another brand. ”

Li Yu asked: "Every time the bank goes, it notifies in advance, and will it not conduct a surprise verification in private?"

Yu Jin grinned and said: "Actually, the loan officer of the bank who comes to the door also knows these things, but now the business of the bank is not easy to do, and the risk of lending to the loan shark company is smaller than that of the industry, and it can also increase the performance of the loan officer himself." ”

Li Yu: "......"

Yu Jin said: "At present, the state credit supports small and medium-sized enterprises such as agriculture and environmental protection, and each such small enterprise can borrow up to 30 million yuan from the bank, but after the loan is made, most of them cannot be spent." In fact, the assets of these small enterprises are already rotten, and the economic situation is not good, even if they use up 30 million, some of them will not be able to save at all, so it is better to lend the loan money to loan sharks and collect some benefits for themselves. As a result, the state's policy has been exploited, and many loan shark companies frequently go to buy enterprises that are about to fail, or directly cooperate with them, and after paying a certain fee, they lend money in half. ”

Li Yu thought for a moment and asked, "Isn't it necessary to repay the loan?"

Yu Jin said: "It's very simple, bank loans are secured by assets, and the problem lies in the mortgage. For example, if the bank lends 10 million, but the debtor cannot afford to pay it back, it will actually become a bad debt. However, the bank will find a way to keep the loan alive, such as finding someone to help repay the account and then use the original collateral to renew the loan. On the surface, there is nothing wrong with this loan, and the president has done so during his tenure. ”

Li Yu asked, "Will there be an accident if you do this?"

Yu Jin said: "As long as nothing happens during his tenure, he doesn't care if something happens to his successor." As for the boss of a loan shark, he never uses his real identity to get money from the bank. Either in the name of his employees or in the name of newly recruited intern college students, he used the collateral to get a loan from the bank. There are even worse ones, hire a car for a few hundred yuan to go to the countryside to pull a carload of villagers out, give them some small favors, and then borrow their ID cards to go to the bank to operate a loan. If something happens in the end, there is no legal basis to find him. ”

Li Yu took a sip of water, sighed and said, "Isn't this just creating bubbles?"

"Bubbles?" Yu Jin smiled: "I went half the world this time, and I learned one thing from my mother, blowing NB." ”

Bian Xuedao smiled and said, "Blow one to listen, let me see your skills." ”

Yu Jin's sleeves said: "First acquire a batch of public toilets, and then seek to go public, the specific path can be set like this......"

"Dealing with urine and urine is called the concept of environmental protection, testing urine and urine, it is medical health, adding a WIFI, which is the Internet + that the old side said, and installing automatic doors is Industry 3. 0; Equipped with a camera, there is a concept of entertainment movies, and then two meals are seated at the door, which is the concept of P2P and crowdfunding. Giving up pit space to the men's toilet for the women's toilet is a major asset restructuring concept; installing photovoltaic panels on the roof is a new energy source; growing leeks at the door is a big agriculture; the sensor faucet for washing hands is a robot; charging is a big finance; and putting up small advertisements on the walls and erecting billboards on the roof is a media stock...... Wait for the board to be enough, squat on the toilet to change the toilet, asset injection restructuring and suspension, and resume the board after changing the toilet...... When the reorganization board is opened, it will be renamed Zhongkeng Group, and the Chinese prefix will be great! How about it, is there a future?"

Li Yu said sincerely: "Brother Jin, your economic mind is about to catch up with Buffett." ”

Yu Jin said generously: "For the sake of how you can speak, when my Zhongkeng Group is listed, I will give you some inside information, and it is recommended that 30 price limits be decided to leave, don't be too greedy, be careful of being covered." ”

"I thank you!" Li Yu said with a roll of his eyes.

After eating for a while, Bian Xuedao suddenly asked Yu Jin: "What do you think of Jiangnan Cable?"

Yu Jin thought for a while, and then said: "It is recommended not to buy it! First, Jiangnan Cable has recently been acquiring county-level cable companies, and it is very short of money, and the possibility of making money in the stock market cannot be ruled out. Second, Jiangnan Cable is no longer protected by the policy, and is also affected by OTT and IPTV, its own broadband has no competitiveness, and the existing profit model is doubted. Third, Jiangnan Cable's shareholding structure is quite complicated, although it is a state-owned enterprise, but the board members and executives hold a large number of shares, and they are suspected of insider trading, you know. Fourth, the most important point is that several major shareholders of the company are TV stations (groups), and TV stations (groups) do not want Jiangnan Cable to develop and grow and affect themselves, but also want to make money from it, and the final outcome can be imagined. ”

Bian Xuedao said with satisfaction: "Okay, there has been a lot of progress recently. ”

It's rare to be humble today: "In fact, it's a matter of information channels and vision, and I have recently paid more attention to this part of the industry." ”

Bian Xuedao asked, "Is there any news from Liao Lian in the United States?"

Yu Jin shook his head: "She has been leading a team to investigate, poaching people everywhere, oh, by the way, she mentioned to me a while ago that an American film is looking for investment, and she is very interested." ”

"What's the name of an American movie?"

"It's a weird name, it's called 2012 ......"