Benefiting from the reminder of today's property buying incident, Sun Fan found that he may not need to have enough funds to invest in the real estate market. Sun Fan had a flash of inspiration and thought of a very feasible plan - investing in real estate with real estate.

The scheme is as follows:

Step 1: Sun Fan knows that the properties he currently owns will appreciate to 2.7 billion yuan in 2008, so he can use the residual value of these properties to continue the mortgage, and according to the loan ratio of 90%, the residual value of these properties can be borrowed to 1.78 billion yuan.

Step 2: Take the 1.78 billion yuan loan to buy another 1.78 billion worth of real estate.

Step 3: Use the newly purchased 1.78 billion yuan property to re-mortgage at 90% mortgage, and you can get a loan of 1.6 billion yuan.

Step 4: Take the 1.6 billion yuan to buy a house again, and then mortgage the house after buying it.

……

This goes on and on, on and on. Theoretically, the 1.78 billion yuan obtained from the initial loan can buy a property worth a full 17.8 billion yuan.

Sun Fan knows the trend of the real estate market in the next 10 years, he knows that the real estate will not begin to regulate until the end of 2010, according to the real estate market in 2007-2011, as long as the right location is selected, the value of these properties will rise by 50%-100% in one year, which is absolutely as simple as drinking water, and you must know that the average room in Beijing, Shanghai and Guangzhou is only less than 10,000 yuan.

If Sun Fan is lucky and chooses a property that can double the value of the property every year, then in the second year, he will continue the previous operation and use the residual value of the property appreciation to borrow 16 billion. With this money, he was able to buy a property worth 160 billion yuan in 2009. By 2010, if the operation is repeated, you can buy assets worth 1.44 trillion yuan.

After 2011, although the state will begin to regulate real estate, the possibility of wanting to buy a house through large-scale loans through this model will be much reduced, but housing prices will continue to grow. By 2017, there will certainly be no problem with another 2-4 times. Even if Sun Fan stops after 2011, his low-cost real estate will increase in value to between 2.88 trillion and 5.76 trillion in 2017, and if it is a 5-year loan, then he only needs to sell up to half of his assets before the repayment date, which is enough to pay off the trillions of debts owed by the previous purchase. After repaying the loan, the value of Sun Fan's remaining real estate will be between 1.44 trillion and 4.32 trillion yuan, and these assets will belong to Sun Fan's personal assets without any liabilities. According to this model, even if Sun Fan does nothing in the future, just investing in real estate, then the assets worth at least $200 billion from these investment properties in the future will be enough to push Sun Fan to the throne of the world's richest man.

As for the interest on the loan, with the rise of housing prices in the future, the rent will also rise, although it is not as good as the trend of housing prices, but according to the growth rate of rent, there is definitely no problem with rent to repay loan interest. After Sun Fan repays the loan, the remaining real estate in his hand will be depreciated for 30 years according to the minimum calculation of 1.44 trillion yuan, and he will be able to get 48 billion yuan per year for rent alone.

Another great advantage of this way of investing in real estate is that Sun Fan does not need to have good connections and government connections. Because he is the buyer, the guest of all real estate developers.

Finally, there is the risk of this extreme investment, the biggest risk of this high-leverage extreme investment is the trend of housing prices, as long as the house price falls by 10%, then the entire investment will collapse, in fact, it may not need to fall by 10%, as long as it falls by 5%, the bank will come to you to collect debts. Sun Fan knows that only in 2012 will housing prices decline in some cities, which is why he began to stop in 2010, because the house bought in 2011 may be risky in 2012, although this risk is not big in Beijing, Shanghai and Guangzhou, but he is not willing to take risks.

Until Sun Fan listed the investment model, the target city for future investment, and the investment risk in his notebook. I wrote down the most critical part of this extreme investment: loans. Without loans, this model is just talk. Sun Fan knows that in 2017, real estate mortgages could only lend 40%-70% of their own value in banks. The monetary environment from 2007 to 2011 was relatively loose, especially after 4 trillion. But even in this relatively relaxed environment, it is not particularly easy to get a loan that is 90% of the value of the property itself. Thinking of this, Sun Fan wrote Wang Weiguo's name again.

By the time Sun Fan had memorized all this in his notebook, the sky outside the attic was already faintly shining.

Closing the notebook, Sun Fan still didn't feel much sleep. He opened the window, lit a cigarette against the window, and smoked silently, although the plan was already there, but the plan could not be completed in the short term. Even the first step of the residual value loan will not be until the beginning of next year at the earliest, and it is only April 2007, and there are at least eight months to go until next year. And that plan was just a perk attached to his rebirth, not his career. What he wants to do most is to build Fanke into a world-renowned brand company, this is his career, the obsession in his heart, and after thinking about it, Sun Fan doesn't care so much about the benefits brought by the rebirth of this accidental discovery.

After smoking a cigarette, Sun Fan felt that the wind blowing from the window was a little cold, so he closed the window. After he had nothing to worry about, he only felt a wave of sleepiness coming, so he went to wash up again, and then he lay quietly on the cot and fell asleep quietly. Even when An Mengxin brought him breakfast in the morning, he didn't notice that he tickled the tip of his nose with her hair.

When I woke up, it was already past eleven o'clock in the afternoon. Sun Fan ate the breakfast that An Mengxin brought in the morning, and felt still a little hungry, so he planned to go out to find something to eat. When he went out, it happened to be the time when the fast food restaurant at the school gate was delivering fast food to the employees of Fanke, Sun Fan hurriedly went to get one, and found a random place to eat it. It should be noted that the first thing Josie did after coming to the company was to sign a meal delivery agreement with the fast food restaurant at the school gate, and now the employees of Fanke can eat in the company at noon and evening every day, the standard is 12 yuan per person for three dishes and one soup, and the food is not bad. It shows Josie's carefulness and ability, and just through this simple working meal, she has been recognized by all employees of the company.

After dinner, Sun Fan found that there seemed to be a lot fewer people in this small building than before. At this time, Jia Xiaoyue jumped by, and Sun Fan hurriedly pulled her and said, "Xiaoyue, why do I feel that there are a lot fewer people in the company today?"

Jia Xiaoyue deliberately pretended to be taken aback and said, "Oops, big boss." You don't even know this......" Then he introduced Sun Fan on Twitter.

It turned out that yesterday, when An Mengxin and Josie negotiated the rental of the classroom, most of the company's personnel were moved to the classroom that afternoon, and now only the R&D department led by Li Nan and Zhang Kai's information technology department remain here.

Sun Fan thought about it, although the office space is currently in use, but working in this dilapidated office has no benefit to the company's development and personnel recruitment, and he plans to let people decorate the office in Nanhu Building as soon as possible, so that the company can move over as soon as possible. Shen Yuqiang can be asked for help with the decoration work, he must know the appropriate construction team, but Sun Fan must at least send a suitable person to follow up the decoration progress. He didn't have time to do this himself, because in the next month, he needed to be busy running the bank and the real estate management center to completely assign the shops in Nanhu Mansion and Yuehe Street to his name, and it was estimated that it would take at least a month for these things to run, if only there was an assistant.