The three of them gathered in the small conference room, opened the notebook, connected the projection equipment, and projected various materials on the screen.

The first step is the elaboration of the project.

The main title is "Truking Group Financing Project (Tentative)".

The financing entity is "Chutian Real Estate Development Co., Ltd.", which means that it is this subsidiary that needs to borrow money.

The financing target is the "Chutian Shengshi Huanian Community Phase 2 Project Construction Project", which represents the borrowed money and will be invested in this project.

The source of repayment is "residential sales proceeds of the first phase of the community + the rest of the company's profits", which represents the ability to repay.

The financing guarantee is "group credit guarantee + commercial building mortgage", which represents the collateral, and the actual role is the mortgage of the property rights of the commercial building.

The back-up guarantee is written "to be determined", which is very critical and equally difficult to do.

There are still many details left, but that is Wang Bin's work, and Nianhua can't do it.

What he needs to do now is to explain the project situation to Wang Bin and Fang Xiaowu, including the problems, and let others know what to expect.

Clearing his throat, he began to elaborate on the cause and effect.

In the first sentence, the tone is very heavy.

"Last year, Chutian Real Estate spent a lot of money to get the No. 32 plot of Binjiang, and the project was prosperous, and the construction started this year, and the publicity was vast, but the pre-sale situation of the first phase of the project was very bad. ”

Nian Hua suddenly set his eyes on Fang Xiaowu, and Wang Bin also turned his head to look at him, seeing that he was full of wonder...... Why?

"Due to some unexpected events, when the project was about to be pre-sold and opened, Chutian's reputation was affected to a certain extent, and he was deeply trapped in the whirlpool of public opinion, and was surrounded and intercepted by some concentrated ......"

Nianhua couldn't help laughing, Fang Xiaowu finally understood.

Damn! Good thing buddy?!

Well, it's a good thing he did.

For netizens all over China, this incident is just a joke after dinner, but for the people of Yunzhou, it happened around them, it was closely related, and everyone who knew it was holding back the fire.

is a brilliant champion, and the son of a developer is insulted enough, causing the entire Yunzhou to become a laughing stock, and the impact of this matter is far greater than Fang Xiaowu expected.

To this day, most people can't remember the appearance of Fang Xiaowu and Li Jiesi, but when it comes to this matter, everyone in Yuncheng knows it and is very dissatisfied with Chutian Group.

Plus the offended leader, the former enemy, and the red-eyed peers...... There are a lot of people who are fueling the trouble.

These circumstances together led to a consequence - the Shengshi Huanian Community, which Chutian invested heavily in building and publicizing, was a little unsellable.

How terrible is it for developers to not be able to sell large projects when they are pre-sold?

Zhaobao Wanjin, a national super-large real estate developer, has to break his muscles and bones!

What's more, a local real estate company like Chutian?

In the face of various repressions and restrictions for several years in a row, and then in the face of various costs that have risen this year, the cash flow itself is in jeopardy, and all the sales money is life-saving.

As a result, the building could not be sold, not to mention, at this critical point in time, Fang Xiaowu and Principal Chen knocked down a valuable amount of cash, and Chu Tian couldn't stand it.

That's the premise of that, that's why we have the current financing.

"Chutian now has to raise funds, even if he grits his teeth, he must ensure that the second phase of the project starts as scheduled, otherwise, once the weak nature is exposed, the first phase of residential sales will completely collapse!"

"Their plan is easy to judge: to maintain the original price stiff, the negative impression will always pass, the market will pick up at the end of this year and early next year, and the sky will be broad. ”

"However, if the second phase of the project cannot start as scheduled, and there are competitors spreading negative news, not only will there be no influx of new buyers, but customers who have already paid may also be refunded...... Bang!"

Nianhua raised his arms and vividly simulated an explosion.

Fang Xiaowu was excited, his hands clenched into fists under the table, and he roared in his heart: Yes!

What's the point of throwing Gessie Lee in jail?

Probation or medical parole, you don't have to stay for a day to get out!

Even if he really pressed him to squat for half a year, so what?

It's still the Prince of Chutian who comes out, and the BMW Xiangche Haitian is partying!

Only by giving Li Zhan a hard blow, directly hitting the throat of the Chutian Group, and making him kneel down with one shot, then it makes sense!

The opportunity is here, so, what to do?

Listening to Nianhua's narration, Fang Xiaowu gradually sketched a rough outline in his mind.

The first step is to get the project first!

This is the premise of everything, and what to do with the project that is not in your own hands?

“…… The current situation is that Chutian's bank loans are relatively large, and due to the tightening of the monetary system, new loans are basically impossible to handle, and three to five million yuan is a drop in the bucket. ”

"Therefore, Chutian's senior management had intensive contact with Yunzhou State Investment Corporation some time ago, and it is obvious that they want to obtain a robbery fund through a brokerage or trust channel. ”

"This is a rare piece of fat, the two should know that the cost of capital for our brokerage is very high, basically only real estate developers can afford it, and the gross profit margin of ordinary entities is less than 20% a year, and it is absolutely impossible to withstand the annual interest rate of about 20% of the loan of 300 million. ”

"The project that Brother Lu did last year, everyone knows how much income there is in the middle, Brother Wang, don't say that you don't envy it. ”

Nianhua laughed and joked, clearly and clearly, what he did was to lure him to his advantage.

However, even though he knew it in his heart, Wang Bin still couldn't help licking his lips, and a trace of heat flashed in his eyes.

Nianhua glanced at Fang Xiaowu again, and added: "We haven't asked how much Brother Lu takes, Erfeng Xiaobing Xu Jie is just a starter, and the three of them will get 0.5%, and the total amount will be ...... 800 million. ”

That's ...... Three people divided into 4 million?!

it!

Fang Xiaowu had known that this department was making money, but he didn't expect it to make such a profit, he was really shocked.

"Let's calculate according to Chutian's minimum need of 300 million, if the overall profit can be achieved by 3%, it will be a wave of fertilizer. ”

Nianhua continued to draw big cakes, but Fang Xiaowu had calmed down, he always remembered that his goal was not money, but life.

"Since lucrative projects are rare, we definitely have a lot of competitors. ”

"At present, it is known that Yunzhou Guotou has been involved, and China Merchants, Citigroup, and Fuguo are all ready to move, so it is not easy for us to get the project in hand first and ensure profits. ”

Nianhua suddenly glanced at Fang Xiaowu again, the meaning was inexplicable.

"Ahem! I'll say a few words. ”

Wang Bin coughed dryly and gestured to his mouth.

"In this case, we have to make sure that his collateral is worth enough and that there are banks willing to cover it. To get these two points, the funds are easy to find, and 7.3% are a big handful. ”

Fang Xiaowu subconsciously shook his head.

In a project like this, the ability to repay is not critical most of the time.

600 million commercial building mortgage 300 million, just find a bank to cover the back, the project due Chutian can not pay back, the bank advances the principal and interest to the investor, and the bank gets the property rights of the commercial building and disposes of it by itself, and easily earns hundreds of millions.

The four major banks are troublesome, and the policies are not easy to circumvent, and they generally do not like to do it, but commercial banks are not happy.

It can be said that as long as the collateral is sufficient, there will be no worries, and the funder can be trusted.

But the question is, if the collateral is sufficient, how can Chu Tian not be able to borrow money in the bank?

What Wang Bin said is nonsense!

Nianhua smiled bitterly: "The collateral is a little troublesome. So we need to design the project smartly and find a fund that is willing to take a certain amount of risk, so according to my estimates, the cost of capital can be tentatively set at 13%. ”

"That's ......"

Wang Bin frowned tightly.

"The bank adds our channel fee, even if it is 5%, the cost of capital is 13%, the public relations and off-the-books are pressed to 2%, and the accountant and lawyer use their own family, 200,000 yuan. ”

"20% of the total cost. ”

It doesn't sound like much, but the question is......

Wang Bin continued: "The question is, how much profit do you plan to set aside? According to what you said, the total cost of 3 points of profit has been as high as 23%, is it competitive?"

There has been a case of real estate company financing that bears an annual interest rate of 28%, and Fang Xiaowu has just seen it in the information.

However, the environment at that time was different, and now I don't know the actual situation and bottom limit of Chutian, if the cost exceeds 20%, in the face of many competitors, the chance of winning may not be great.

Nianhua smiled bitterly again, looking more and more fake.

Sighing, he said: "I'll find a way to merge public relations with audit and legal affairs, and calculate 1% as a whole, and cut the profit by one point, with a total cost of 21%." ”

Raising his head, his gaze turned around in the small conference room, and swept past Fang Xiaowu's face.

"The rest can only be pressed from the cost of capital, preferably to 11%...... I'm going to do this for the time being, it's still early, so let's go back and see!"

Fang Xiaowu's heart was like a mirror, and he had a clear view of Nianhua's plans.

So, you're trying to pry a crack out of me and put me in charge of the funding?

300 million, 11% p.a. ......

If I can get 7% annual interest funds, you take 11%, the difference of 4 points in the middle, 12 million, is my profit?

If you finance 500 million, it will be 20 million, which is really a lot!

There are many people who have the ability to make this money in this world, but they definitely don't include Fang Xiaowu.

Of course, then again, Fang Xiaowu never thought about making this money at all.

The brain turned with all its might, and the chaotic knowledge and information quickly took shape under the combination of [strategy], and the previous vague outline became clearer and clearer, gradually forming a complete appearance.

What he was thinking about now was how to use this project to drag Chu Tian and give Li Zhan hope, so that he would think that the funds were right in front of him, but he would never get them.

By the time I realize that something is wrong, the situation is probably already very critical, and it will be too late to find other money temporarily!

As long as there are some signs of collapse, those who take advantage of the fire to rob, those hungry wolves, will rush to the front......

Tear him to shreds!

So, there are a few things that should be done next.

First, stabilize the years, and on the premise of hiding his true goals, let him continue to run and win Chutian's trust.

Second, find out what Chen Xiang wants to do and what the conspiracy is.

Third, pay close attention to the progress, deal with the ruffian Lu Zai, and get further information.

Fourth, find an opportunity to communicate with Sister Ziyan and find someone to help improve the plan...... Huang Erfeng may be a good candidate.

Fifth, when the time is right, stand up and take the project into your own hands.

Sixth, reasonable delay in project progress.

Seventh, at the critical moment, unleash all your forces and stab the final blow!

By then...... If you don't die, you will be cut off your limbs!