830 Crazy Loan Program

"Is it possible for international consortia to enter China's real estate industry on a large scale?" Hearing Yun Fei's words, Jiang Jianxing jumped up in shock.

Although the government has issued policies, the detailed rules of some local governments have not yet been announced. The real estate market is not very clear at all, and Jiuyi Construction has also not made any moves, and international consortia have begun to enter China, which is simply a fantasy.

Moreover, after so many years of China's reform and opening up, there have been no large international consortia to enter the Chinese market, which has a lot to do with the lack of confidence of these international consortia in the Chinese government's reform and opening up. Not to mention international consortia, many private bosses in China have been worried about this issue.

I am afraid that the government's policy will change, and then their assets will be nationalized, and they will not be able to cry.

No matter how powerful an individual is, there is no way to confront a country.

Moreover, this country is also among the top countries in the world in terms of comprehensive strength. Even some of the most powerful American conglomerates did not dare to invest in China on a large scale, and basically built some manufacturing factories in China......

Even China's two stock markets are basically not allowed to enter by foreign financial giants.

The Chinese market is the most dynamic and largest in the world, but in the financial sector, where international consortia are most active, China's opening up is very small. Moreover, the market in this country has a very large policy nature, and once the policy changes, investors will suffer huge losses.

Now the local tyrants in the Middle East are actually preparing to enter the Chinese market.

It's a little unbelievable anyway.

"It's just possible, but I think the biggest possibility is that they are still in the financial sector, and it is very likely that they will set up an international commercial bank in our country to serve the real estate industry. The biggest possibility is to pull the Xiangjiang government together to ...... joint venture," Yun Fei's speculation is very probable.

Although these things did not happen in his world, what happened in that world can only be used as a reference, not a standard. Otherwise, you will definitely die of emaciation.

The fierce competition of international consortia in the world market is unimaginable to ordinary people.

However, China's market is still basically blank, and private or foreign-funded commercial banks are restricted due to some policy problems. It has been very slow.

"It doesn't seem to have much to do with us, does it? Maybe the benefits are even greater...... "Jiang Jianxing really can't figure out what this matter has to do with them.

Commercial banks with more international consortia have greater benefits for their financing.

"Once the financing of real estate becomes easy. Housing prices will soon be copied, and land will become more expensive! Yun Fei gritted his teeth and said.

In the next few years, the whole of China will basically rely on the real estate industry to support the entire economic system, and even if the international financial crisis, the country will still maintain double-digit economic growth, which is completely inseparable from the rapid development and pathological development of this industry.

Local governments rely on this industry to support GDP growth, which is a visible achievement! And, it's really because of the madness of the industry. Local government deficits are trillions!

"In this way, the cost of our land is likely to rise several times in a short period of time?" Jiang Jianxing asked with a frown.

If it is only a commercial house, this problem is not big, and no matter how high the cost is, it can be quickly transferred to the buyer, but not the commercial building. And Yunkai is reluctant to sell these properties.

It is difficult to recover these costs in a short period of time by renting.

"Yes, they wanted to cooperate, but I refused. In the late stages. They can't afford this cost either. If our Jiuyi Building continues to expand, it is very likely that even our entire industry will not be able to support it......," Yun Fei said with a wry smile.

"What do you mean?" Jiang Jianxing simply asked Yun Fei what he thought.

Yun Fei's thoughts are hard to guess.

"Take the land, take the land on a larger scale! In this way, we can eliminate our costs. Otherwise, wait until the ground rises. It's going crazy, we can't afford it......" Yun Fei said frantically.

Jiuyi Construction has been preparing from the beginning, and in the first-tier cities of Beijing, Shanghai, Guangzhou and Shenzhen, it has more than 5,000 acres of land in its hands. The price of these lands has now exceeded 600 million.

And the flowers are all. They have more land in their hands.

Most of these lands are taken by Guò Hinkaixingna.

And the development rights are in the hands of Yun Fei alone.

"Larger? In this way, not to mention that we don't have enough funds, the development progress will become more slow. Local governments will not agree to us doing this. Moreover, if we do this, it is very likely that the entire company will become a thorn in the side of the country......" Jiang Jianxing shook his head directly.

In this way, it will definitely stimulate the land price of first-tier cities in China in a short time.

At that time, not only Yun Fei will be invited to tea by those bigwigs, but he and Sun Chengjiang, the general manager of Jiuyi Construction, will not be able to get out of it. The crime of price gouging is not something that ordinary people can afford.

"No, there's nothing dangerous about this. We can take land in secret, and local governments are now welcoming such things. This can effectively boost GDP and employment, and now economic indicators are the only criterion for assessing local officials. Moreover, the land in our hands can be used as collateral to obtain loans from banks, and the money is mainly used for the development of real estate......"

For the development of these plots, the original strategy had to be adjusted.

Yun Fei was thinking about this matter after he finished meeting Waleed, and when Jiang Jianxing got off work, he called him out and said about it.

Originally, he was not ready to take out a loan from a bank at all.

As long as they don't borrow money from banks, they won't have much interest in the local government, which is the cleanest performance, and the local government is happy to do so. After all, although the money belongs to the state, the bank has nothing to do with the local government in a sense.

But this is in China!

"Loan development? You're not crazy, are you? How big a loan would it take? It's not easy to borrow money from any bank, right? Jiang Jianxing was so frightened by Yun Fei that he was about to have a heart attack.

Yun Fei, this kid really dares to think.

At the beginning, they said that they wanted to take out a loan for development, but Yun Fei resolutely disagreed, and now it is just news, people have such a meaning, and he has become so crazy.

How can Jiang Jianxing not be angry?

"Passing on the cost. Now we are not only developing commercial buildings, but also residential buildings. These homes can be sold in advance......" Yun Fei said helplessly.

If it had been possible, he would never have been willing to sell those houses now.

In less than two years, the value of these houses will multiply several times.

In particular, the land in their hands is the area that he has acquired by relying on his original cognition, which will definitely become high-end real estate and a commercial sub-center of the city in the future. Before the development, these plots of land were cabbage prices, once it was boiled for a few years, the development of real estate in these areas, whether it was a commercial building or a residential building, it was definitely a place to make a lot of money.

"What? Eldest brother. You don't have a fever, do you? Four billion, or more! Regarding Yun Fei's loan request, Bao Qi was stunned by him.

This kid's appetite for loans is getting bigger and bigger.

Last year, more than one billion yuan was borrowed, and the money was quickly repaid. If he mortgaged other industries in his hands, let alone 4 billion, it would be 10 billion, and he would approve this loan if he had already risen to the head office of the capital.

But Yun Fei is now reluctant to use his assets as collateral, but uses the land in his hand to take out loans.

Those lands, no matter what, can't lend so much, can they?

"I said President Bao. The bigger you are, the less daring you become? Isn't it four billion? Some local government project loans, your batch is in the tens of billions, but I only have a loan of 4 billion. Is it necessary to make such a fuss? Yun Fei was speechless.

Bao Qi This guy definitely deliberately pretended to show himself.

"Big brother, you better let me go. You're a personal loan! And the lender isn't you......" Bao Qi said with a roll of his eyes.

Yun Fei, this kid has obviously become more treacherous than before.

He took out a loan himself, but let Jiuyi Construction take responsibility......

Moreover, this time the term of his loan is more than five years!

In case he loses money by then. If you are unwilling to repay it, even if you auction off the 91 Building, these loans may not be recovered.

If Yun Fei came to borrow this money himself. It's not a big problem, it doesn't matter if he loses money at that time, or if the company goes bankrupt and goes bankrupt, anyway, he still has other huge industries, even if he gives him this loan, the asset-liability ratio of Yunfei Industry will not exceed 40%, and there is no problem at all.

"Besides, don't you have a lot of liquidity in your own hands? If you save a little, it won't take long to save all this money, right? Bao Qi sighed.

Four billion, which is really not much for Yunfei, who now has more than one billion in liquidity every month.

"I have other uses for that money. This 4 billion loan is only the first installment, and it is very likely that more will be borrowed later. It is mainly used for the development of real estate...... "Yun Fei said his purpose.

After knowing Bao Qi for so many years, even if Bao Qi would not agree to help in the end, he would not reveal this plan.

"Boy, you're crazy, aren't you? If you do it like this, you basically don't have to pay any cost yourself! Bao Qi was dumbfounded.

This kid's ability to exploit policy loopholes is simply nothing to say.

As soon as the housing reform policy came out, he was able to have a response policy.

The state requires that the phenomenon of housing prices becoming too crazy must be eliminated from the root, and this kid can directly use his own money to get the land, and then take the development right to his own land to get a bank mortgage to obtain the early development funds, and then sell the house that has just begun to be built, and pass on the cost and loan cost to the buyer.

Although this method of operation is similar to that of later generations, it can restrict many companies or individuals with insufficient strength from entering the industry to speculate on housing prices for profit.

Without huge financial strength, there is simply no way to support the acquisition of land from local governments.

After getting the land, it is not possible to use the property rights of the land to go to the bank for a mortgage, but you must wait until the construction of the project has started to a certain extent.

These are the countermeasures that Lao Zhu's think tank has researched based on some of the shortcomings proposed by Yun Fei.

Housing real-name system, the first set has tax incentives, loan interest concessions, the second set of the third set began to increase taxes in a stepwise manner. As the government's office network becomes more and more powerful, the national network can register these personal asset information in a timely manner, which can completely avoid the disadvantages of the world country that wants to limit housing prices and purchase restrictions, which are made a dead letter by local governments by various means.

Moreover, the real-name housing system of the national network has a very big effect on the fight against corruption.

These proposals are supported by the entire high-level leadership.

The government has proposed to speed up the process of building a network of government offices, and strive to achieve a nationwide network within two years.

To this end, we are ready to allocate tens of billions of funds to promote the construction of networking, this project, at present, Dream Group and Lenovo are staring at it! Everybody wants to swallow this project in one gulp.

"Who says I don't pay the cost? Isn't this land a cost? Bank loan interest is not a cost? Besides, I still have to take this risk......" Yun Fei said with a roll of his eyes.

"Pull it, you don't know you yet? Bank loans, you kid dare to say that it won't be apportioned to those home buyers at the beginning? After they pay you the purchase money in advance, you must recover the cost of enough land in advance, right? Bao Qi admired Yun Fei, a guy who didn't understand economics at all, and actually played these things one by one.

There are a lot of things that he can't come up with for a while.

"No, old bag, I really need your help with this matter. Anyway, the money of the state is put there and there, and it is useless. I can still earn a lot of interest by lending to a high-quality customer like me......" Yun Kai said with a malicious smile.

In recent years, the state has been very strict in inflation because of infrastructure construction and too much repeated investment, and has always adopted a monetary tightening policy, and the approval of loans is very strict.

Real estate is also a key sector, and many developers rely on bank loans to stay afloat.

"There's really no way I can answer you right now. I'll apply to my superiors when I go back, anyway, you're not in a hurry to ask for money now. If it's a small amount, I don't think you will come to me in person, even if you kid is willing to take out a loan......" Bao Qi said with a wry smile.

Yun Fei, this kid, has always been reluctant to borrow money from the bank. (To be continued......)

PS: Thanks to xsnzt for the two big monthly passes, thanks to the purple camellia and silver sea shadow for the two big monthly passes.