When night falls, thousands of homes are lit up and dotted with the enchanting Hong Kong Island.

At this time, the property was still an old-fashioned design that was built in 69 years, and there were no elevators installed in the four six-storey main buildings.

The house rented by the predecessor was on the fourth floor. If he climbed as high as the sixth floor every day, it would be very depressing for Li Wenxing to think about it.

My predecessor used to live on Dang Sze Street on the Yau Ma Tei side, and he rented a house here after being admitted to the wireless training course last year.

Although he is not a new tenant, he has no familiar neighbors and friends, except for the landlord Ms. Mei, who also lives on the fourth floor of Block A, and other owners are at most nodding friends, and their presence in the community is pitiful.

After thinking about it for a while, Li Wenxing packed up his mind again, took out a bag of melons and fruits bought from a roadside shop and some daily necessities from the back seat and went straight upstairs.

Since it is an old-fashioned building, there is no need to hope for voice-activated lights in the corridor, but instead a small light bulb is installed at the entrance of each floor, so as not to let the residents who come and go in and out of the dark blindly touch the elephant.

The sound of walking sounded in the quiet corridor, and Li Wenxing deliberately slowed down. A thin old-fashioned building structure like Weijing Garden, the installed façade is impermeable enough, and you don't even think about any sound insulation.

Listening to the sound of walking in the corridor every day is really annoying, pushing others with himself, Li Wenxing doesn't want to annoy others.

The house Li Wenxing rents is not very big, a small apartment of more than 500 square feet (about 45 square meters), with a living room, one bedroom, one kitchen and one bathroom with a balcony. The monthly rent of the house is 800 Hong Kong dollars, and the property is free of charge.

Although this price is slightly higher than the housing price in Xiangjiang at this time, it is still a sought-after house, and the predecessor queued up for more than a month in advance and paid all the rent in advance before renting.

Quietly Mimi entered the door and locked the door, Li Wenxing pressed the switch of the headlights in the living room, and the room was suddenly illuminated by fluorescent lights.

As the old saying goes, a golden nest and a silver nest are not as good as your own kennel. Although he was not reborn into a wealthy family and lived in a 10,000-foot villa, he did not struggle for the least food and clothing. What's more, the standard of living in a mid-range house is not bad, and it is definitely above the current average of Xiangjiang people.

Today, I first went to Yau Ma Tei to deal with the house on Tenth Street, and then talked to a few real estate agents. After a day of running, Li Wenxing is now deeply tired, and he is too lazy to move on the sofa.

The house was originally in the name of his predecessor, no one lived in it for a long time, it was a little moldy and damp, it was too wasteful to be empty, and it was a pity to sell it, so Li Wenxing entrusted a real estate agent to rent it out.

If memory serves, housing prices in Xiangjiang have been rising since the beginning of this year and into the first half of 82, and the increase is very amazing.

In line with the principle of maximizing profits, Li Wenxing also entrusted an intermediary to help him find a suitable house, intending to start a crazy capital speculation game. The game is actually very simple, and to put it bluntly, it is worthless.

While renting out your own house, you can get a mortgage from the bank, then buy a second house, continue to rent out the mortgage, and then continue to play according to this routine.

Some people may ask, why is it that no one in Xiangjiang plays such a simple house flipping game? Are they all stupid? Can such house flipping really make money? It's just nonsense.

Then, please note, please don't despise the people in the past history from the perspective of God, this kind of capital house speculation game is absolutely 100% lying down to make money. If in doubt, please see below.

Take the former Lee Man-sing's house on Dang Street in Yau Ma Tei as an example.

Due to the global oil crisis in the past two years, property prices in Xiangjiang have also fallen due to the collapse of the stock market, ranging from at least 30% to 40% compared with before, and more than a third has evaporated.

That is to say, three years ago, the house under the name of the predecessor (a thousand-foot house/more than 90 square meters of high-end apartment-style suite) was valued at least 600,000 Hong Kong dollars (the average house price in Hong Kong in 72 years was 4,000-5,000 per square meter), but today, the price of 400,000 yuan may not be bought.

However, just this year, oil prices began to rise, the global economy picked up, and Xiangjiang's economy began to develop rapidly, which naturally contributed to the rise in land prices. Not only that, the Hong Kong government has started the subway construction plan this year and next, which has greatly stimulated the land prices of the whole island of Xiangjiang, especially the land prices around the main subway lines.

In addition, as mentioned above, in view of the rapid increase in population and the expansion of housing demand in Xiangjiang in recent years, housing prices will definitely jump up in the future. (The front is all backwards, interested book friends can have a thousand degrees of related information, so I won't be verbose here).

In short, since this year, in the seven years to 1982, housing prices in Hong Kong have tripled (almost quadrupled, with an average price of 3,000 Hong Kong dollars per square meter to 12,000 per square meter), which translates into an average annual increase of more than 40%.

Not to mention the average annual investment income of 40%, let's talk about the operation of buying a house with a loan.

In today's Xiangjiang, under normal circumstances, the bank has a 20%-30% risk aversion discount for mortgage loans from housing assets. In other words, a house of 500,000 Hong Kong dollars can only borrow a maximum of 400,000 yuan.

Of course, this is under normal circumstances. Don't worry, in the capital society, the major law firms and major intermediaries have ways to eliminate the depreciation of this kind of asset mortgage for you.

As long as the benefits are sufficient, they can get you a full mortgage or even an over-mortgage. (To put it bluntly, it is to give rebate points, and students who have done credit cards know it)

Li Wenxing negotiated with the intermediary for a 30-point rebate bonus, that is, a loan of 1 million, 300,000 yuan for the intermediary, and 700,000 yuan in hand.

It seems that Li Wenxing is at a loss, but in fact, there are two prerequisites for this: first, to provide the same amount of low-interest loans after the 140% increase in housing prices almost instantly. Second, there is an unlimited supply of below-market housing resources for sale.

Think about it, the intermediary used Li Wenxing's house worth 500,000 yuan to go to the bank for a loan, lent 700,000 yuan, ate 150,000 yuan for himself, and then used the remaining 550,000 yuan to help Li Wenxing buy a house worth 50-650,000 yuan (even if the cost of buying a house is deducted, there will definitely be a surplus in the middle), and then go to the bank for a loan, and then continue to buy, buy, loan, loan.

Some people may say, is the bank a fool? Will it lend money in excess of the quota like this? If it comes, the intermediary will definitely take a part of the dividends and go to the PR bank. Second, even if the bank discovered this kind of illegal lending in the later stage, the housing price had risen at that time, and the bank itself not only did not have any losses, but also made a large amount of loan interest in vain.

Everything in the capitalist society is on par with money, and it has made money, but it is still a woolen yarn?

After three to five years, when the housing prices in Xiangjiang have tripled according to the historical trajectory, Li Wenxing will be able to repay all the loans and interest (after deducting the service fees eaten by the intermediaries, the interest on bank loans, and the expenses needed to buy a house, the house prices will increase by up to two times and the principal will be recovered).

Then, around 1982, all the properties in Li Wenxing's name had become net assets. When the time comes, whether to set up a property company to borrow money from the bank to short sell the real estate stocks of Hong Kong, or to sell arbitrage in time to buy the plummeting real estate market, it all depends on the mood.

The limit operation is as follows: set up a real estate company, inject all the real estate under its name, and then mortgage it to the bank at a high value, and directly sell the shares of other real estate companies in Heung Kong after getting the cash. Wait until the land price of China and Britain has fallen, and while making money in the stock market, they will continue to invest in the housing market. ）

In fact, there is another benefit of this operation, which is that it is easy to obtain a large cash flow (from the rent of the house).

With memories from later generations as a reference, Li Wenxing knows very well where the housing resources with the greatest appreciation space in the future are.

You only need to ensure that the houses you buy are sought-after listings, and you don't have to worry about renting them out at all. In terms of buying 100 houses with an average monthly rent of 1,000 Hong Kong dollars, the rent collected every month is 100,000 yuan. With such a large amount of money, whether it is for investment or personal expenses, it is enough for Li Wenxing to be happy.

If you need money urgently, you can also play the trick of making profits pay annually, and you can raise hundreds of thousands of dollars in the short term.

What is the hardest thing to ask the civilian-level reborn guest? For the reborn people who go back to the past, as long as they are not stupid, it can be said that with the first pot of gold, there is everything.

As for Li Wenxing, he has a thousand-foot house in his hand, and making money is a hundred times easier than being a copyist (in fact, because the protagonist has no plug-ins, he can't copy it if he wants to).

Of course, Li Wenxing is also very glad that he was a Hong Kong entertainment fan before his rebirth.

If you think of your life after being reborn as a game, then God definitely favors you very much. Obviously, it's like taking the strategy cheats to play a medium-difficulty (won't it be too crazy) dungeon, so easy!

Even if we don't have a system cheat, and we don't have superpowers similar to perverted memories, all we can rely on is that we know Xiangjiang in this period better than most reborn guests (because I am a fan of Hong Kong entertainment), and at most add other countries (most Hong Kong entertainment will expand its territory in the later period).

However, even if there is only this little advantage (hypocrisy), it is enough for us to become a CEO, win Bai Fumei, and reach the peak of life.

After all, there are more memory lines gathered by the development of civilized society in half a century than those of the same generation, and even if it is no longer clear in some places, the general trend and direction will never go wrong, and it has been invincible at the level of strategic layout.

No matter how pessimistic you are, you lose at the tactical level and lose repeatedly, there will always be a time when you succeed, right?

Thinking like this, Li Wenxing had fallen asleep unconsciously.

Thinking about it day and dreaming at night, Li Wenxing on the sofa drooled and had a dream. In his dream, he speculated in real estate and stocks, wrote songs and books, made TV and movies, and easily became a Xiangjiang tycoon. As for whether he picked up a girl in the dream and accepted a girl, the quietly raised lower body already said everything.