Since the establishment of the Li Yisong Father and Son Foundation, Li Yisong, Li Huawen, Li Hualong and Li Huahu have continuously injected funds into this foundation, and Li Hualong has injected the most funds, accounting for about sixty percent, but the owner of the foundation is Li Yisong alone.

Li Yisong and his three sons do not want the Li Yisong Father and Son Foundation to become a tool for future generations to make profits, the foundation will never be reregistered, and will always remain in Hong Kong, they have already told Li Yisong's grandchildren that in the future, the family trust investment fund will continue to inject funds into this foundation, and encourage future generations to inject funds into the foundation.

"Would you like to come along?" Li Hualong asked.

"I have a lot of things to do next month and may not have time." Li Huawen paused and continued, "Aaron, the only owner of the foundation is Abba, you have injected the most funds into the foundation, and your children are also the most, I think I will find an opportunity to determine the equity of the foundation, you will take control, and formulate the articles of association, so that after a hundred years, our children and grandchildren can better manage the foundation and do charity." ”

"There's no hurry. Abba is so healthy, I think he will live past 100 years, and there is no problem at all. ”

"Even if you don't change your equity, it's good to spread out some things and explain them clearly."

"Okay, when I come back from Hangzhou, we'll have a good talk."

"Don't wait to come back from Hangzhou, before you go to Hangzhou, you should talk once, and when you meet Hua Wu, talk to him again, and let him and his children join the foundation. Didn't you say that in the future, the foundation's donations will mainly be invested in the mainland, and Hua Wu and his children live in the mainland, and they know better about the situation in the mainland than we do, and they know that it is better to use the funds there, so we should listen to their opinions. ”

"Yes!" Li Hualong nodded with a smile.

"Don't sit here and talk." Li Huawen said and stood up, "Let's go swimming, it feels better to chat in the pool." ”

"I'm going to ask Abba to go swimming."

"How long has it been since Abba's been in the pool?"

"It didn't take long, three days ago, I was swimming with him."

……

One night in early August. Liu Lizhi, who had an excited expression on her face, returned home after work, took a few glances at her son's bedroom, returned to her bedroom, and sat on the bed. Pushed her husband Mao Da, who was sleeping.

"Done, wake up, I have something to say to you."

More than ten years ago, Liu Lizhi and Mao Da smuggled to Hong Kong, although they had no relatives to run to. But they have hard-working hands, they work hard, and now they have their own house and a job that is the envy of many.

Liu Lizhi was originally a very ordinary rural woman, after graduating from junior high school, she went to work in the field, and soon after he and Mao Dacheng got married, she and her husband fled to Hong Kong because Mao Dacheng had a fight with others.

When I first arrived in Hong Kong. Liu Lizhi worked in a small restaurant, doing some work of washing dishes and vegetables, and later, the owner of the restaurant was going to immigrate to the United States, and the restaurant was about to close, and the restaurant owner introduced Liu Lizhi to enter the 7-day chain hotel to do cleaning work, because she worked very hard and did a good job, and it didn't take long for her to get the appreciation of her superiors, not only ending the probation period in advance. and recommended her to join the Mandarin Oriental Hotel as a cleaning worker, and now, she is the small foreman of the cleaning department of the Cultural Oriental Hotel.

Mao Da was a soldier and was very burly. After arriving in Hong Kong, I found a job on a construction site and had a good income. Later, Liu Lizhi found out that the Holiday Inn Central recruited security guards, so she asked Mao Da to give it a try, although the income of security guards was lower than that of construction workers. But Liu Lizhi feels that it doesn't have to be too hard to be a security guard, and if she does a good job, she still has the opportunity to be promoted and raised. During the demolition and redevelopment of the Holiday Inn Central, Mao Da moved to the Shangri-La Hotel in Admiralty for a few years, and when the Crowne Plaza reopened, he returned to work at the hotel, where he is now the deputy head of the hotel's security department.

Employees of Li Hualong's companies have housing benefits, Liu Lizhi entered the 7-day hotel chain to work, after the probation period, and Mao Dacheng has been renting a house held by Evergrande Group to live, and the monthly funds are very low.

In 1983, Hong Kong's housing prices plummeted, and Li Hualong began to suggest that people living in Evergrande Group's "low-rent housing" buy a house, Liu Lizhi and Mao decided to buy a house after discussing it, and spent nearly 300,000 yuan to buy a 500-square-foot second-hand house.

"Tomorrow, I have to get up early to go to work, what are I doing?" Mao Da opened his eyes and looked at his wife with a puzzled expression.

"Look at this." Liu Lizhi handed the document in her hand to Mao Da.

Mao Dada got up, sat on the bed, rubbed his cheeks with both hands, and said with a wry smile: "Just say something, don't let me read the documents." ”

"Did you know that employees of all Li Hualong's companies can buy houses with zero down payment?"

Mao Da was slightly stunned, shook his head and said, "I haven't heard of it." What's going on? ”

"To put it simply, the boss is optimistic about the Hong Kong property market, and thinks that the house price will rise sharply in the future, in order to allow his employees to live in a house and live in a big house, each of his employees can buy a house in installments, and the interest rate is particularly low."

"How low?"

"I won't count how low it is. The house with a total price of 1 million yuan will be paid in 25 years, and a total of 2 million will be exchanged, and only 6,667 Hong Kong dollars will be repaid every month. ”

Mao Da's arithmetic is not bad, he thought for a moment, and said with a smile: "If this is the case, we must buy a house, the interest is too cheap, and we will definitely be able to make a cheap profit." ”

"You can't repay the loan early."

"It's okay if you can't repay the loan early, even if you don't live in the future, you can use it for rent. I estimate that in a few years, the rental income will be more than the monthly loan repayment. With such generous conditions, if we don't buy a house, then we are fools. ”

"There are only a dozen real estate projects to choose from, and the houses are all finely decorated, I took a look and felt that the house price is slightly more expensive than the market price."

"That's right...... Mao Da pondered for a moment, "Are you worried that housing prices will fall?" ”

"I'm a little worried, but I think I'm going to buy it."

"We already have a house, how big can we buy?"

"Both of us work in the owner's hotel, and we have a 500-square-foot house that we can buy without selling the house."

"Can I buy two sets?"

"Nope." Liu Lizhi flipped through the document in her hand, pointed to the words on it, and introduced. "I have my eye on this property, in Happy Valley, at $1,300 per square foot, there are 1,200 square feet of units. The total price is 1.56 million, and the monthly repayment is 1,400 Hong Kong dollars......"

"More than 10,000 a month?" Mao Da interrupted, "How much money we only make a month is not enough. Also, the child is about to go to school. The cost will definitely be greater in the future. ”

"Don't worry, let me settle an account for you. We can now save more than 5,000 a month, this house is used for rent, there is more than 2,000 income, adding up to almost 8,000, there is still a difference of more than 2,000 points, the new home has a few bedrooms to rent to others to live in, it is enough, we don't need to spend savings. ”

"This ...... You're too good at it. Mao Da smiled bitterly, "Living with someone else." You don't have to worry about it. ”

"Think about the situation when we first arrived in Hong Kong, we are already living a good life now, let's be content!" Liu Lizhi smiled, "We bought a house and asked my colleagues to rent our house. ”

"Your colleague won't buy a house himself?"

"They have only been working in a hotel for a short time, and they are not yet eligible to buy a house with zero down payment. They can either live in a 'low-cost house' or choose to rent our house, and the hotel will give them an additional rental subsidy every month. ”

"It seems that the big boss has put a lot of thought into encouraging employees to buy houses." Mao Da smiled happily, "Since you've thought it all through." Then let's buy a house. ”

"Tomorrow, I'll take half a day off, and after dinner, we'll go to see the house together. If you like the house there. Then we will buy it, make a decision early, I am afraid that someone else will buy a good house first. ”

"By the way, when we buy a house, which company do we borrow from?"

Li Hualong Financial Group. Some of the properties were not developed by Li Hualong's real estate company. ”

"It's not the big boss who developed it, it's his father. Or did his brother develop it? Mao Da smiled, "Their family has a good relationship, in Hong Kong, but women and children know about it." ”

"Most of them are developed by their family, and there are also a few real estate projects developed by other real estate development companies, which can be regarded as underwriting."

At around half past seven the next night, Mao Dada's family of three, accompanied by Yao Dehua, an employee of Centaline Real Estate Company, came to a housing estate called Lin Yunge to look at the house.

"The house in this property is very popular, the surrounding scenery is good, the quality of the house is very good, the decoration is very exquisite, and most of the upstairs units have been bought by my colleagues." Yao Dehua introduced with a smile.

"I knew I would have come to see the house in the morning." Liu Lizhi sighed.

"Everybody is not stupid, the floor is a little higher, and even more potential. I think it's good to be able to buy this layer. ”

Mao Dada took out a cigarette, handed Yao Dehua a cigarette, and asked with a smile: "Little brother, where did you buy the house?" ”

Yao Dehua was not polite, took the cigarette, took out the lighter, lit the cigarette for Mao Da first, then lit the cigarette for himself, and after taking a puff, he replied: "I have just entered the work of Centaline Real Estate for more than a month, and I am not qualified to buy a house with zero down payment." If I can, even if I don't have any money, I will ask my parents to fund me to buy a bigger house. If you buy a house now, you will definitely not lose money. Twenty-five years, only double the interest, cheap. ”

Mao Da nodded with a smile, and asked again: "The decoration style of the houses in this real estate is the same?" ”

"It's all the same. Big brother, look at it, the decoration materials are quite good. At first, my colleague thought that the price of the house here was a little too expensive, but after a closer look, he felt that the price of $1,300 per square foot was not expensive at all, and if it was sold publicly, the price would definitely not be lower than this price. If you decide to buy a house here, buy this type of house, then buy this house, and then don't make a decision, maybe we go to see another house, and someone else decides to buy here. ”

Mao Da turned his head to look at his wife and asked, "It's decided?" ”

"It's decided, just buy here."

"Then let's go, go to the store and sign the contract, now it's oral, it's useless, someone else signs the contract first, and you won't have a show."

In 20 minutes, Mao Da and Liu Lizhi signed their names on the purchase agreement, paid the first month's house payment - 10,400 Hong Kong dollars, and 20 Hong Kong dollars for the viewing service fee, after which they got the keys to the new house.

Centaline Real Estate Company is a wholly-owned company owned by Li Hualong, this intermediary company has a strict management system, whether the customer is buying a house or renting a house, the staff of Centaline Real Estate Company will charge a fee of 20 Hong Kong dollars each time to see the house, and the viewing time is more than two hours, and the fee will be increased by 10 yuan per hour, regardless of whether the transaction is successful or not, this fee needs to be paid. Centaline Real Estate collects fees from both the rental house and the tenant, and the fees for both parties are 50% of the first month's rent. In the case of second-hand housing transactions, buyers and sellers pay 1% of the total transaction value; As for the agent to sell the new house, this needs to negotiate with the real estate developer, generally about 2% of the total house price, the underwriting can obtain higher profits, the underwriting is to first agree on the sale price, within the specified time, the Central Plains Real Estate Company will sell the house, make the difference, as for the sale price, the Central Plains Real Estate Company decides, if it cannot be sold, the Central Plains Real Estate Company buys the remaining house.

In the past two years, the Hong Kong property market is not good, many real estate companies in Hong Kong due to the debt ratio is too high, and the bank loan interest rate is high, which greatly increases the operating burden of these real estate companies.

After Li Hualong learned of this, he felt that it was very interesting, if he bought these houses and sold them again in two or three years, he would definitely be able to make huge profits, but these profits were like chicken ribs for him, tasteless to eat, and it was a pity to abandon them.

Li Hualong was about to refuse to engage in underwriting, he suddenly thought that he was going to buy a large number of old buildings, although the house prices plummeted, but the transaction volume is also very low, if the way of exchange, it is easier to acquire the old buildings, and the houses developed by his own enterprises, he is reluctant to sell them at a low price, if he can underwrite the real estate developed by other real estate companies, he can sell the new buildings to the owners of the old buildings without making money, and at the same time buy the old buildings, and provide loans with preferential interest rates, so that he can buy a large number of old buildings.

Some owners of old buildings are willing to sell their old buildings and borrow money to buy new buildings with a larger area, and Li Hualong also feels that he has not suffered a loss, because he knows that in a few years, the interest rate of bank loans will fall sharply. (To be continued.) )