"Opportunity? Cousin, what do you want to do? Ding Shishi asked.

"It's nothing." Fang Tianhe said, "Deng Gao is a head household outside. Some people are not convenient to hold stocks and real estate by themselves, so they have to find someone to hold it on their behalf. Deng Gao has an excellent reputation in this regard, but some time ago he suddenly stopped all business and ran back to his hometown, and many people were rumored that he had swallowed someone else's assets so he ran away. Two days ago, he suddenly came over to borrow money, and I wondered if there was something wrong with his capital turnover, maybe I could force out the truth. ”

"What about forcing the truth?" Ding Shishi still doesn't understand.

"Legend has it that he swallowed an antique, worth hundreds of millions. If I can force out the truth, of course I will find a chance to swallow it myself. Fang Tianhe said it as a matter of course, "Antiques worth hundreds of millions!" I have a few things in my family, but they are going to be passed on to my brother, I can see and touch but I can't have them, is there anything more tragic in the world? ”

Of course there is, such as watching my father get sick but not have the money for treatment or something. Huang Wenbin deeply felt the class difference between himself and the two people in front of him. Although they eat the same food and breathe the same air, they are completely different. Huang Wenbin has the opportunity to earn 100 million, and he already feels that he has completed his life goal. But in Fang Tianhe's mouth, it was just an antique that the family wanted to pass on to the man.

"Cousin, you don't like antiques, do you?" Ding Shishi said.

"I don't like it, but it doesn't prevent me from wanting to." Fang Tianhe said, "Possessiveness and liking are completely different things, just like money, power and men." ”

"Anyway, Deng Gao swallowed other people's things like that, and that person just forgot it?" Ding Shishi asked, "You won't be so tolerant, right?" Otherwise, the head household would have swallowed up all the things held on behalf of him. The man will find someone to snatch it back. ”

"Of course it won't be just like that," Fang Tianhe said, "It's not strange to swallow other people's things and die on the streets at any time." But maybe the real people are unlucky, so Deng Gao dares to do this. Although it is rare, such lucky ones are not uncommon. I know that the deputy director of our city's transportation bureau was shot for corruption, and he helped him get several heads of people with stocks and real estate. ”

"And such a good thing." Huang Wenbin couldn't help but be fascinated.

"There's no way, you can't stop luck when you come, it's like you got that batch of old wine." Fang Tianhe said, "Many people want to find out where your batch of wine came from, but no one can find out. It seems that you have a very strong inside information. Now I want to buy land again, I think I got the news again? ”

"Yes," Huang Wenbin readily admitted, "There is going to be development over there, is Miss Fang interested in investing in real estate?" ”

"Yes, it's a pity I don't have time." Fang Tianhe shook his head and said, "Just doing the business of selling money and buying money annoys me, and I still want to invest in real estate?" I don't have a lot of money, I don't have that much time to do. ”

Fang Tianhe has no time, Huang Wenbin has, he met a loan shark, and it will be easy to borrow money in the future. It is a bit difficult to borrow only three or four years, but you can borrow a large amount of money in a few months and then use it to buy a house, and then the real estate market will officially take off, and it can rise three or four times in three years. Even if there is no Ding Shishi as a guarantee here, it is completely acceptable to raise the interest rate.

After eating, they gossiped for a while, and refused Fang Tianhe's request to stay for supper several times, and Ding Shishi and Huang Wenbin left. got into the car, Ding Shishi said, "Hurry up and send me home, I want to sleep well." It's finally over the New Year, and I've worked hard to death. ”

"It's good." Huang Wenbin drove the car fast, at this time there was no one on the road without a car, it was very empty, "Your cousin has a lot of energy, and only 6% interest is paid when you get money from the bank." "The normal interest seems to be 7%, and there are many fees, and if you can use 6% to get money, it must be a related account of the bank and get preferential terms.

"My cousin's father, my uncle, used to be in charge of the bank." Ding Shishi said, "My cousin has a deep relationship in the bank, and she can lend millions of dollars at will. She is very happy to do this business, borrowing money from the bank to lend to customers, and she doesn't have to pay the capital, and she has millions of profits. ”

"If someone is reversed, you will lose all your money." Huang Wenbin said, "Didn't your cousin say several examples. ”

"That's nothing, she lent money to others, and at most one or two out of ten orders failed the bill, and the profits of the other eight or nine orders far exceeded these losses. Besides, the borrowed money must either have a guarantor or a mortgage, and even if the debt fails, most of it can be recovered after the last loss, and the real loss is very small. Ding Shishi said, "She has been in this business for less than ten years, and at the beginning she ate and lived at home, and now she has bought such a large piece of land to build a manor to enjoy, and has invited more than a dozen people to serve." ”

"So powerful?" Huang Wenbin knew that this usury business is simple to say, but in fact it is difficult. Not to mention anything else, being able to make eight or nine out of ten orders is already a very remarkable ability. Huang Wenbin knows that a big brother who came out to mix is also a loan shark, with hundreds of brothers, both black and white to give face, and when begging for money, he uses any means, and his fingers are cut off innumerable, so at least two or three of the ten orders cannot be recovered.

"My cousin is very powerful, he has been excellent in character and learning since he was a child, my uncle is very feudal, he wants a boy, and as soon as my aunt is pregnant, he chooses a good name." Ding Shishi said, "Later, when he was born, my uncle was disappointed. But my cousin has been competitive since she was a child, not to mention her beautiful appearance, she was the first in the school in reading, won the third place in the national competition in mathematics, and broke the school record in running. After graduating from high school, I went directly to study in the United States. ”

Fang Tianhe didn't look like a girl when he heard this name, it turned out to be like this. However, Huang Wenbin thought that her parents liked to play mahjong, and they just happened to have a handful of Tianhe (localization is similar to Hu's).

"My uncle also changed his perspective and focused on training. Later, I found a vacancy, gave birth to a second child, and had a son, and my attitude towards my cousin did not change. Ding Shishi said, "My cousin still moved out of Lu by herself, quit her job at the China Banking Regulatory Commission, and after a few years of hard work, she became bigger, and her family used to subsidize her, and now she subsidizes her family." ”

This is too legendary, even if you have your father's connections, it's very powerful to be so big. It's really more popular than people, if it weren't for the crossing, Huang Wenbin's ability to make money would be compared with others, and it would be so weak that there would be no scum left. Having said that, even if you cross over, it may not be comparable to the harmony of the heavens above. The real estate market has soared, and those who engage in real estate have made a lot of money, and those who have engaged in finance have not taken less.

"It's a pity that the man's luck is a little worse," Ding Shishi continued, "I had a boyfriend in college, and my uncle forced them to break up. After graduation, her uncle found her the right person, but she turned out to be a fool, and she was photographed playing with a woman and smashed for blackmail, and her future was all over. As a result, my cousin has been stumbling until now. ”

Huang Wenbin has no interest in gossip, even if Fang Tianhe is actually a transsexual, it has nothing to do with him. His attention was entirely focused on how to borrow money from Fang Tianhe. "How does your cousin usually borrow money from others?" Huang Wenbin asked.

Ding Shishi misunderstood, thinking that Huang Wenbin was asking how to find customers, "She is very careful in borrowing money, first of all, people with a bad reputation will never borrow." Then you have to look at the industry, and then look at the specific business, and don't do dangerous business. It's like if you go to the industrial zone to buy a warehouse, if it weren't for my guarantee, she would definitely not lend you money. ”

is so picky about business, and it can still be done, it seems that this woman is really not simple. "What is the interest rate on her loans?" Huang Wenbin asked, "What kind of collateral do you want?" ”

"Look at the risk, the low risk starts at 10% per annum, the high 15%, 20%, and the higher is like what she just said Deng Gao, daily interest 2. 5%, but this is only borrowed by people who are very anxious to use the money, otherwise anyone will go bankrupt if they borrow for a few more days. Ding Shishi said, "Although it's my cousin, in the end, it's a loan shark, don't ask her to borrow money." If you really want to do business, you should build your own company, have a good reputation, and borrow money from the bank in a regular manner. ”

"Your cousin is so picky, she wants to guarantee and mortgage, and she doesn't do it if she is risky, who is asking her to borrow money? If you really want a guarantee and a mortgage, and the risk is not big, why don't people go to the bank? Huang Wenbin asked.

"Banks are so rigid, and many people can't borrow money." Ding Shishi said, "It seems that I can vouch for you in front of my cousin for this business, and my cousin will also believe that I have this ability, not only because of relatives, but also because I am Ding Liugen's daughter." But with my identity, can I use it when I get it to the bank? This is the case with a lot of private lending. ”

"I see." Huang Wenbin said.

Without Ding Shishi's guarantee, if Huang Wenbin borrowed money by himself, it should be considered a high risk. If you want to talk about mortgages, the warehouse is still borrowed money to buy, I don't know if it counts. A market Chunfeng Road should be able to be counted, but the value is not high. There are also overpass shops, which is 600,000. I don't know if Fang Tianhe will accept the old wine as collateral, it would be great if he accepted it.

In the following years, it is a golden opportunity in the real estate market, as long as there is capital, fools can make a fortune in real estate. If you don't have capital, you can borrow money and still make a fortune. Huang Wenbin has a middle school classmate like this, he was still driving a taxi in 08, after the real estate market took off, he borrowed money to buy a house, mortgaged the house and then borrowed money to buy a house, and after more than a dozen rounds, he became a billionaire on the books. If it weren't for the broken capital chain later, he would be considered a successful person.

Soon returned to Ding Shishi's house, Huang Wenbin was forced to send Ding Shishi upstairs, and watched her fall asleep before being let go. After going down the stairs and sitting in the car, listening to the sound of firecrackers around me, I finally felt that the Spring Festival of 2007 was finally over.