It wasn't until about eleven o'clock in the evening that Sun Fan returned to the attic cottage where he lived a little drunk. Although he drank a lot, Sun Fan's brain remained awake, and he still had something to do tonight. After a brief wash, Sun Fan sat down at his small desk, closed his eyes and didn't think about anything, and let himself go. It wasn't until half an hour later that Sun Fan felt that his heart had completely calmed down and his brain was clear, so he picked up the notebook and pen on the desk and began to record his experience of the day.

First of all, Niu Fatzi, when Sun Fan asked him to rent a house yesterday, maybe he didn't think about letting Sun Fan buy Nanhu Mansion, but judging from his performance after Sun Fan arrived at Shen Yuqiang's office, he must have known in advance that Shen Yuqiang wanted to sell Nanhu Mansion to Sun Fan, but he didn't tell Sun Fan about it in advance.

The second is Shen Yuqiang, although he feels that he takes great care of himself on the surface, Sun Fan will not be confused by these appearances, after all, the two have just met today. All he did was just for the smooth running of this deal. As for Wang Weiguo, he was only brought in by Shen Yuqiang to help, and there was not much communication between him and Sun Fan.

Sun Fan's purchase of the entire Nanhu Mansion seems a little incredible, but in fact, when you think about it, it is logical. Shen Yuqiang wants to raise 600 million yuan through the Nanhu Mansion worth 400 million, on the surface, he can mortgage and raise funds through Wang Weiguo's relationship, but the loan needs to be repaid in the end, and this kind of mortgage that exceeds its own value can easily cause the rupture of the capital chain. Moreover, most of the Yuehe projects he invested in were self-operated projects, and there were not many shops that were actually bought and sold, and the speed of return of funds was not fast. Therefore, it is not difficult to understand that he cashed out the Nanhu Building and then invested in the Yuehe project, which he is more optimistic about. After all, the funds obtained from the sale of Nanhu Mansion will not pose any risk to him.

Another important reason is that the land under the South Lake Building. In my memory, Hecheng Hotel has been in business for many years, which means that Shen Yuqiang has already obtained this land many years ago, and it will definitely not be very expensive. Sun Fan estimated that the total cost of the entire Nanhu Building and this piece of land for Shen Yuqiang would not exceed 200 million, which means that as soon as he sold it, he had already earned more than 200 million. The shops in the Yuehe project were originally cheap to get land in the city, and the construction cost was not high, after all, they were all small buildings with a maximum of 3 floors, and the estimated cost was 7,000 to 80 million, and he could earn at least 150 million from these shops. In other words, the overall cost of this transaction for Shen Yuqiang is less than 300 million, and the price of selling it to Sun Fan is 640 million, and he can earn at least 350 million in this transaction alone, more than 100% of the profit, the key is that there is no risk for him. Sun Fan believes that Shen Yuqiang must not have only found himself as a buyer, after all, for him, he is actually not the most suitable person. Shen Yuqiang wanted to transfer the risk, and the others were not stupid, how could they not know? Sun Fan estimated that Shen Yuqiang also heard about himself by chance from Niu Shengli when he had nothing to do, so he thought about selling the building to himself. After all, Sun Fan has no relatives and no reason with him, and he doesn't need to care about the risks Sun Fan will face in the future.

So where does the risk go?

Two places, Sun Fan and Hecheng Bank.

First of all, Sun Fan's side, even if the bank interest can be offset through rent, then he needs to repay 720 million to the bank after five years, this price has exceeded the value of Nanhu Building itself, that is to say, if the house price remains unchanged in the next 5 years, or the increase does not meet expectations, Sun Fan will be insolvent and eventually bankrupt after 5 years. Even he will have legal risks and will most likely go to jail.

The second is Hecheng Bank, the same reason, if Sun Fan does not pay off the arrears after 5 years, the bank will face high bad debts, and Wang Weiguo will be implicated.

Sun Fan understands this, so why did he buy Nanhu Mansion, the only reason is that even if he knows the future trend of real estate, he has the ability to be a prophet. The above risks are risks for others, but for Sun Fan, who already knows their future value, the risks will no longer exist.

First of all, Nanhu Building, Sun Fan knew that in early 2008 Nanhu Lake will be rated as a 5A-level scenic spot, and then the Hecheng Municipal Government announced a plan to build Hecheng into a tourist city in the next 5 years, and the first to be developed is Nanhu Lake and Yuehe. In 2008, Nanhu Building will be divided from the commercial area to the tourist area, just a piece of information, the value of Nanhu Building has more than doubled, plus the value of Nanhu Building, the value of these two assets can rise to at least 1.5 billion yuan in 2008.

In addition, there is the value of shops on Moon River Street, which is close to Nanhu. In my memory, the shops on Yuehe Street will be on sale in two months, that is, at the end of June this year, with an initial price of 12,000 yuan per square meter, but it only took less than 5 months, and by the end of this year, the price per square meter of Yuehe Street exceeded 30,000 yuan per square meter. In 2008, after the announcement of the tourism city plan, the developer simply did not sell, you must know that this is not a reluctance to sell, but a real non-sale, the developer intends to keep all the remaining properties for themselves, and sit on the rent. Because of the development of the tourist area, by 2008, the rent of a 200-square-meter shop on Yuehe Street had been speculated to 500,000 yuan a year. 500,000 a year, if it is assumed that a set of shops can recover their costs after 20 years of renting, 20 times 50, the value of each set of shops will reach 10 million, that is to say, the value of the 120 shops bought by Sun Fan will grow to 1.2 billion in just one year. By next year, the assets that Sun Fan bought from Shen Yuqiang will increase in value to a total of 2.7 billion yuan, and then he only needs to sell some shops, which is enough to replace the bank arrears, of course, this is just to say, he will not sell, after all, by next year, the annual rent of these shops alone will reach 60 million. And next year is only 2008, and the property market is far from peaking.

Thinking of this, Sun Fan has written a lot of keywords in his notebook, including risk, future value, Shen Yuqiang, Wang Weiguo, Niu Shengli, etc. Sun Fan hooked and drew on several names, and finally ticked Wang Weiguo's name, and crossed the names of Shen Yuqiang and Niu Shengli. Analyzing these three people, Sun Fan believes that Shen Yuqiang and Niu Shengli are both businessmen and their interests are paramount. Although the two of them exchanged more with Sun Fan, Sun Fan didn't think that they were really friends who could make friends, and they could cooperate with the two of them in the future, but they couldn't become friends. As for Wang Weiguo, although Sun Fan didn't communicate much with him today, judging from his performance today, this middle-aged man with a righteous face is indeed a person who can be friends. Not to mention anything else, just from his willingness to lend 720 million to Sun Fan for Shen Yuqiang, you can see his righteousness. Just like Sun Fan's analysis, in addition to Sun Fan, the one who takes the risk is Wang Weiguo, and he is willing to take such a big risk for Shen Yuqiang, which shows that he is a person.

After thinking about it, Sun Fan wrote his name again and compared it with the three of them. During the day, he didn't feel it yet, but now that he calmed down and analyzed the gains and losses, he realized that his performance today was still very immature. He even felt that from the time he arrived at the Hecheng Hotel, the receptionist lady led him to Shen Yuqiang's office had been designed, and the atmosphere created in the early stage made Sun Fan subconsciously put himself in the position of the weak before he started talking, and the subsequent negotiations were basically what Shen Yuqiang said, and all Sun Fan could do was nod his head and agree. If it weren't for Sun Fan's prophetic advantage, even if he was deceived by them, he wouldn't even have pants left. Sun Fan thinks about it now, with Shen Yuqiang's mentality that he is eager to find himself to sell the house, as long as he fights for it a little, the price will definitely drop a lot. Thinking about it, Sun Fan wrote it again in his notebook: Know yourself and know your opponent, four words.