Li Hualong really wants to help the employees of his company who do not have a house to buy a house, and the employees with poor living conditions change their accommodation, and the heads of his companies are very happy when they know the boss's idea, and they also hope to see ordinary employees can live in peace and live well, so that they can work happily.

Hong Kong's richest man Li Hualong's vision of investment and business is recognized in Hong Kong, Li Hualong dares to admit the second, it is estimated that no one dares to admit the first, even if someone recognizes the first, few people will agree.

Li Hualong clearly told the employees of his company that he is optimistic about the Hong Kong property market and is willing to provide employees with a loan guarantee to buy a house, and no one among the employees who have the opportunity to obtain a loan guarantee will refuse to take out a loan to buy a house, although they need to pay interest on a loan to buy a house, but they have talked about it in private, thinking that the future increase in housing prices will definitely not be small, and the loan interest expense is nothing in comparison.

On the evening of February 10, shortly after dinner, Li Hualong and his four wives went into the study to chat.

Li Hualong said proudly: "As of today, more than 1,000 employees have obtained bank loans with my help and bought more than 800 houses in total. ”

For a long time, Li Hualong has never thought of only caring about making money for himself, regardless of the life and death of employees, while he makes money himself, he also hopes that those employees who work for him can also live a better life.

Of course, better days are relative.

Li Hualong is not too idealistic, he knows that it is impossible for every employee to live in a thousand-square-foot mansion, if this is the case, then he does not have to do a lot of business, such as running a Carrefour supermarket, an ordinary tally clerk, working for a few years, it is impossible to buy a house with an area of 1,000 square feet with his own income.

The employee's salary, which is related to the job position. Even in a socialist country, it is impossible to be absolutely equal, and it is impossible for a senior mechanic to be paid the same as an apprentice.

Chen Sisi was puzzled and asked: "More than 1,000 employees, how can they buy more than 800 houses?" ”

Yang Meng explained: "Some employees are family, some are father and son, some are husband and wife, and they apply together, so that they can get more loans and buy a house with an area. ”

"Oh, that's right." Chen Sisi suddenly realized. smiled, "These loans are all provided by Hang Seng Bank?" ”

"No, it's not." Li Hualong smiled, "Hang Seng Bank, Bank of East Asia, HSBC and Standard Chartered Bank all provide it. ”

Liu Minchen smiled and said: "Brother Long, two days ago, I wrote an article in the newspaper saying that you are optimistic about the Hong Kong property market. Providing employees with a guarantee for a loan to buy a house has contributed to the rise in housing prices. ”

"I've read the article you said." Li Hualong smiled faintly. "This is also normal. In the past, some customers listed houses for sale in Centaline Real Estate may have known the employees of my company, and they got the news early and hurriedly raised the price. ”

"It seems that no one is stupid!" Yang Meng smiled slightly. Looking at Li Hualong, he asked, "For those employees under your command who have not obtained loan guarantees, I think there must be many people who have found ways to buy more houses or bigger houses on their own, right?" ”

"That's right. I've heard. There are many people who use their current houses to buy houses with bank mortgages, believing that they can make money by investing in houses now. Li Hualong smiled and sighed lightly, "I really don't know if this is a good thing or a bad thing." ”

"Husband, are you afraid that because of your influence, the house price will be pushed up in the short term, and then the house price will plummet?" Xi Chongyi asked.

"There's a little bit of concern about that." Li Hualong said lightly, "It is undeniable that I have helped some people buy homes, and at the same time prevented some people from buying houses. ”

"Wouldn't you be too compassionate when you think so?" Yang Meng quipped, "I remember a year and a half ago, when the Hong Kong property market was at a low point, you bought a lot of old houses and land, and at that time, you were secretly happy." ”

"Huh!" Li Hualong laughed, "Being a man is actually quite contradictory, especially when it is related to one's own interests. In the future, my real estate company will build more small units, as long as there is a stable job, and the income is not high, I will sell the house to people who buy and live in it at a more affordable price, which can be regarded as helping some people. ”

"It's a good idea, but there's a loophole." Xi Chongyi smiled.

"What vulnerability?" Li Hualong asked.

"Even if you can screen out people who meet the requirements, then this kind of person can buy a house and then buy it and sell it to make a difference. If it's your employees, it's better to say a little bit, after all, you can get detailed information, and you are not afraid of someone falsifying, and those employees who work in companies that have nothing to do with you, they will find a way to prove that they are eligible, and there is a lot of possibility of fraud. Xi Chongyi asked.

"Chongyi, you are very thoughtful." Li Hualong nodded thoughtfully, "Do you have a solution?" ”

"I didn't think of it for the time being." Xi Chongyi smiled and shook his head.

"I thought of a solution, but I don't know if it's feasible." Liu Minchen smiled.

"Tell me about it." Li Hualong smiled and looked at Liu Minchen with a little curiosity.

"Brother Long, you can set up a wholly-owned private finance company, whether you buy a new house developed by your company, or a second-hand house, you can use this finance company to issue the purchase money to the private person, the interest on the loan is a fixed interest, and the loan term cannot be changed, which means that the borrower cannot repay the loan in advance. For example, a house with a market price of 120,000 Hong Kong dollars, you sell it to the other party at a price of 100,000 yuan, and it is stipulated that it will be paid off in ten years, and the interest is 100,000 yuan for ten years, and there is no need to pay a down payment, and 20,000 yuan per year needs to be paid for ten consecutive years. Those who buy a house for self-occupation, as long as the property market is good and the house price continues to rise, they will not reject buying a house in this way. ”

"Chenchen, aren't you obviously trying to make Brother Long lose money." Chen Sisi said, "A house with a market price of 120,000 Hong Kong dollars is sold for 100,000 yuan, and someone must rush to buy it. ”

"Sisi, you're a little petty!" Li Hualong smiled and quipped, "Your husband is rich enough now, I can't just think about making money, that's too vulgar, I should do more things that are beneficial to society." ”

Li Hualong took a sip of tea and sighed: "There are tens of thousands of mansions in Ande, and the poor people in the world are happy!" Besides, do good deeds. It's not without rewards. Chenchen's idea is very good, if I follow what she said to help citizens buy homes, I will not only get a good reputation, but also it will be easier to deal with the Hong Kong government in the future. ”

"Do good deeds, you still think about selfishness." Chen Sisi glanced at Li Hualong with disgust.

"Sisi, doing good deeds is selfish, I don't think it's a bad thing." Yang Meng smiled and said, "If you are selfish, Aaron Capital will be stronger, so that he can help more people." ”

"That's right!" Chen Sisi nodded with a smile. "I just think about spending money, I don't want to make money, there will always be a little bit of it that will be spent."

"Next year, I will set up a wholly-owned private finance company." Li Hualong smiled, "However, in the first few years, I only helped the employees of my company, and in the future, more people will accept this way of buying a house." I will go and help more people. ”

"These things are supposed to be done by the government." Chen Sisi muttered.

"If you really let the government do these things, sometimes, good intentions will do bad things." Li Hualong said.

"How can you do bad things?" Chen Sisi asked.

"You said that the judgment of the prospect of the property market, the government officials are very good. Or am I better? Li Hualong asked with a smile.

"Of course it's you." Chen Sisi suddenly understood, and nodded with a smile, "If the judgment is wrong, then many people who take out loans to buy houses will definitely break the contract...... Aaron. Don't be overconfident, even if you have a good eye, you may make mistakes. ”

"I know what to do. I'm not saying that. In the first few years, I only helped a small number of people, and when I have the opportunity in the future, I will help more people buy homes within my ability. If the house price falls and the customer breaks the contract, it is a big deal to repossess the house. ”

"I still feel like you're doing this to give money to others." Chen Si misses the broken road.

"On the surface, I'm losing a little money, but underneath the surface, I'm probably going to get more benefits." Li Hualong smiled and changed the topic, "Don't talk about business, in a few days, the New Year will be over, the children are on vacation, you should spend more time with the children at home." ”

"You still need to say that these days, our four sisters have been staying at home." Yang Meng smiled.

"You can also take the children back to their parents' house." Li Hualong said with a smile.

"Tomorrow, where are you going to work?" Yang Meng asked with a smile.

"Tomorrow Hang Seng Bank will hold a high-level meeting, I will go to attend, probably in the bank for a day."

"On New Year's Day, I went to the Shangri-La Hotel with you, and I saw the unfinished Hang Seng Bank Building, which looks like bamboo, and has a very beautiful appearance. Yang Meng asked curiously.

"Of course it was designed by your husband and me!" Li Hualong said with a smile that he didn't say anything, the exterior design of this building was not his original, but he plagiarized the exterior of the Bank of China Tower in Hong Kong, which was designed by I.M. Pei Architects.

"You designed the whole building alone?" Yang Meng asked with a smile.

"It's not. I was the lead designer, designing the shape of the building and the lobby, and I was assisted by a number of designers in the design of the building. ”

"That building occupies a large area, how big is the floor area?" Xi Chongyi asked.

"The total area of the building is more than 1.3 million square feet." Li Hualong replied, "Fortunately, in recent years, Hang Seng Bank's profits have been steadily increasing, otherwise there would be no financial resources to support the construction of this building." ”

At times, Mr. Lee has had to lament the speed at which he has amassed wealth, and now his personal assets have surpassed those of HSBC, the most powerful bank in Hong Kong.

In another time and place, there is a saying among the Hong Kong people that it is the Jockey Club, Jardine Matheson, HSBC and the Hong Kong Governor's Office that actually rule Hong Kong.

At this time, Lee did not set up an organization to compete with the Hong Kong Jockey Club (Jockey Club), whose influence in Hong Kong was still very strong, and his father, Lee Yat Chung, was a director of the Hong Kong Jockey Club and owned a number of racing horses, including several championship horses.

Jardine Matheson and HSBC, because of Li Hualong's deposits, have reduced their influence in Hong Kong a lot.

Li Hualong's wholly-owned enterprises have surpassed Jardine Matheson in terms of total assets and net assets, and now Chinese enterprises in Hong Kong can compete with Yingzi Enterprises.

If Li Hualong had not appeared, the historical trajectory had not changed, HSBC would have acquired a controlling stake in Hang Seng Bank in 1965, and today, HSBC does not hold a stake in Hang Seng Bank, which is stronger than Hang Seng Bank at the same time in another time and space, and Hang Seng Bank's net profit last year exceeded that of Standard Chartered Standard Bank.

In Hong Kong's banking industry, Hang Seng Bank is second only to HSBC in strength, and many people believe that in the near future, Hang Seng Bank will surpass HSBC.

In the face of the challenger of Hang Seng Bank, HSBC's senior executives and senior management are very unhappy, and they have not moved the idea of suppressing Hang Seng Bank and Li Hualong.

Originally, during the 1965 Chinese-funded bank run crisis, HSBC had the opportunity to acquire Hang Seng Bank, but before that, Li Hualong had already "optimized" the assets under his name, not only the debt ratio was very low, but he also had a large amount of cash in his hand, and he also had a large amount of cash reserves, and HSBC could only watch Hang Seng Bank survive the crisis.

Hang Seng Bank, which has survived the crisis, has soared in strength, and Li Hualong's assets are also expanding.

For Li Hualong, HSBC did not go all out to suppress it, Li Hualong personally and his companies applied for loans from HSBC, as long as they took out enough collateral, HSBC was also willing to issue loans.

More than a year ago, when Hong Kong was in turmoil and plunged into chaos, Li Hualong seized the opportunity to borrow heavily for investment, and HSBC also provided a large amount of loans.

At that time, the senior management of HSBC did not think that the Chinese Communist Party would recover Hong Kong, and if that was the case, it would be a disaster for HSBC, and they were thinking about how to avoid danger while also thinking about gaining benefits in the crisis.

When Li Hualong borrowed money from HSBC, HSBC put forward a number of additional conditions and reduced the market valuation of the collateral, and after negotiation, HSBC finally granted Li Hualong a loan.

HSBC's top management predicted that if the Chinese Communist Party did not recover Hong Kong, Hong Kong's economy and property market would not be able to recover in the short term, and if this situation occurred, then Li Hualong was very likely to fall into a debt crisis, and HSBC's top management was also ready to join forces with other British-funded enterprises to create some trouble for Li Hualong, so that he could not repay the loan on time, and finally bankrupted Li Hualong and embezzled Li Hualong's assets.

With Premier Zhou's order, the Hong Kong riots subsided, and it didn't take long for Hong Kong's economy to rebound rapidly, and the Hong Kong property market began to gradually heat up. (To be continued......)