Chapter 86: Moldy Renminbi
Looking at Long Yifeng, who quickly calmed down from the excitement, Fan Tianyi's mother's eyes were full of appreciation.
She glanced at the daughter next to her, and felt that there were not many children like Long Yifeng, who went to study in a different place at the age of fifteen or sixteen, and could raise the first pot of gold in her life by drawing a good picture and writing well. What is rare is that he did not stop at the calligraphy and painting industry, only to develop and tap the existing resources, but keenly discovered business opportunities, set up a computer sales company, and then opened an Internet café.
That kind of enterprising spirit and insight is very rare. If he can get along well with his daughter, maybe he will be able to become the pillar of the Fan family in the future. Even if he doesn't have any relationship with his daughter, this person is worth befriending.
After making up her mind, Fan's mother said to Long Yifeng:
"Xiaolong, maybe my family Tiantian also mentioned to you, our family is mainly engaged in mining development, and it is doing quite well. I came back this time because I saw a bigger market opportunity for the Copper People. With the specific implementation of the national western development policy, coupled with the future real estate drive, it is believed that the copper people will have great changes in five years. Although your current computer and Internet café service industry will be saturated for a certain period of time in the future, it is generally a project. Auntie hopes that you will take advantage of it and strive to become a leader in this industry. ”
Long Yifeng listened carefully to Fan Tianyi's mother to analyze the future opportunities of the bronze man, for fear of missing a few words. Hearing her encouragement, he immediately expressed his gratitude: "Thank you, Auntie, for looking up to me so much, but I don't have that strength." ”
"Strength needs to be constantly grown. I've said so much for one purpose. If you really want to cover the whole of Copperman City with your Internet café, I can provide you with financial support. To be honest, we are not short of capital in mining, but lack of investment opportunities. I'll tell you the truth, don't worry too much, if it weren't for the small turnover of the Internet café and computer industry you do, I would be willing to invest in you. In order for you to achieve faster development, we are willing to lend you 3 million to open an Internet café branch. Of course, as an investment, I also have to charge a certain amount of interest, how much is it, how about a 5% increase in the bank deposit rate?"
Long Yifeng quickly calculated that if Aunt Fan was willing to lend money to herself and only charged a little higher than the bank deposit interest rate, she would simply make a lot of money. Therefore, he stood up excitedly and said to Fan's mother gratefully:
"Auntie, if you are willing to lend me three million, I can use my existing Internet café and house as collateral, and repay all the loans within two years, and pay you interest according to the bank's increase of ten percent over the same period. In fact, according to his current worth, even if the bank's interest rate rises by 50% in the same period, it will be difficult to raise 3 million, so while he is excited, he is more grateful for Fan's mother's help.
"It doesn't matter if you mortgage or not, what I value is your fighting spirit and vision, and I believe that you can pay off my principal and interest within the established time. However, since it is a commercial loan, it should also abide by the business rules. Based on a two-year bank deposit, a five-percent increase, you can pay off my principal and interest in five years. If you decide, you can always come to me. If nothing else, I'll be living in the bronze man for a long time in the future. ”
Where to find such a good thing? Long Yifeng immediately decided to borrow money from the Fan family, although doing so would owe them a favor, but it was not a little bit worse, the only baby daughter of the family was asleep, and it would be hypocritical to blindly play with reserve. Besides, Long Yifeng is also sure that before graduating from high school, he will pay off Fan's mother with principal and interest.
Fan's mother is also a straightforward person, saying that she asked the lawyer to draw up the agreement as soon as possible, and Long Yifeng can contact her at any time after tomorrow after preparing the relevant materials. Long Yifeng said that he could send the relevant materials over tomorrow and expressed his gratitude to the Fan family for their help.
When the matter is done, everyone is happy.
Fan's mother deliberately left Long Yifeng to come down for dinner, and also talked with him a lot about the idea that their company will develop in Tongren. Of course, the plan to play in the water with Fan Tianyi's mandarin ducks is in vain, and it is estimated that there will be no drama for a long time in the future. That made Fan Tianyi very disappointed, but when she thought that her mother was so optimistic about Long Yifeng and lent him three million, it was a recognition of Long Yifeng, and her heart began to be active again.
With his mother's approval, the relationship between the two will be stronger in the future, and Long Yifeng and himself will go further. Bathing, dating, where is not the best place? When his house is renovated, is there still no place to worry?
After dinner, the nanny packed everything and went home. Her family lives in the city, and she stays at Fan's house to help during the day, and she has to go back by herself at night. Fan's mother is very chatty, and she also instilled a lot of business ideas in Long Yifeng, which benefited him a lot.
She also told Long Yifeng that she came back this time to prepare for the Fan family's company in Tongren, which is mainly engaged in real estate, agriculture-related projects and logistics. Real estate is the fastest way to recoup capital, so the first step is to start running a real estate business. Moreover, the state has been brewing for a period of time, and in the future, the government will no longer allocate housing to workers. That means that civil servants will become the main consumer of commercial housing.
Before the company was established, they had signed a land transfer agreement with the government to purchase all the land from the No. 2 Middle School to the Normal School behind Huaguo Mountain. Long Yifeng understood that Huaguo Mountain was close to the Jinjiang River in front of it, and behind it was a flat land and hills, and it was necessary to cross the Jinjiang River in the direction of the teacher. Fan Tianyi's mother told him that they were going to build an avenue to extend the avenue at the entrance of the No. 2 Middle School, past the land behind Huaguo Mountain, and then across the Jinjiang River, bordering the Normal School.
It's totally generous!
Long Yifeng couldn't help but marvel in his heart. Once the road is built, the value of the land on both sides will quickly increase. The Fan family has money, as long as the road is built, all the buildings will be built soon, and the bronze man is about to add a long street. Fan's mother also introduced that if the project planned by their company is completed, it is expected that about 100,000 people will live. Of course, there will be some relocation and peasant resettlement issues involved in the early stage, but small things. This project should be the largest construction project in Tongren City in the past two years. The government promised that as long as the roads were opened, the municipal party committee and government would cooperate with them in building new office buildings for the mobile company, the second municipal hospital, the transportation bureau and the tax bureau, and also building an additional nine-year school. In this way, it is possible to ensure that the area develops quickly.
The land that Long Yifeng bought was not far from the piece developed by the Fan family, probably no more than a thousand meters, but it was not used. It is no wonder that their own land is relatively partial, although it is close to Huaguo Mountain, but there is a relatively high hill in the way, and there is still a village in front, if it is developed, it will cost some money. Therefore, the Fan family chose the area with a flatter terrain and a larger area. Of course, Long Yifeng also understands that with the development of the Fan family's land, the land he purchased will soon be developed and utilized.
As Aunt Fan said, computers and Internet cafes will be used in large quantities as service equipment, but with the popularity of these things, their market capacity will become smaller and smaller, and their profits will be lower and lower. Ten years from now, my company will be faced with more new business. Why don't you try to learn from the Fan family and engage in real estate?
The reason why the Fan family dared to invest such a large amount of money was definitely not done blindly. It is definitely a decision that depends on the policy or has done a lot of research on the market.
While listening to Fan's mother's words, Long Yifeng's brain was also running rapidly, analyzing the possible development opportunities of the bronze man in the future. Internet cafes and computer companies must continue to develop, but it does not affect their ability to find other opportunities and projects.
Land!
Land is definitely a scarce resource for development. Long Yifeng was able to learn the most important signal from Fan's mother's conversation. In the future, whoever gets more land resources will be able to get more space for development. Of course, you have to be able to take ownership of the land.
In addition, if the Fan family starts such a big project, it will surely drive the development of many industries of Tongren, such as building materials, construction machinery and equipment, etc. Those things require a lot of capital to be able to buy, but the land is different, now many people have no understanding of the value of land, and the land in the urban area is so cheap that it is terrible, such as buying the land in Xinhua Village by yourself, and buying two acres for very little money.
Why not take this opportunity to buy the land that the Fan family is about to develop but has not planned, and when the Fan family's project is completed, their own land can also appreciate.
Long Yifeng calculated that if he followed the current distribution of Tongren Street and opened all seven Internet cafes at the same time, business would definitely get better and better. It is estimated that it will be able to return to its original cost in about a year and have a good profit. The three million yuan lent to Fan's mother can be repaid within five years at the latest, that is to say, the capital will be repaid after one year, and the funds lent by the Fan family still have four years to use, plus the money earned by computer companies and Internet cafes, it should be able to buy a lot of land, and it is a commercial land that can be bought through the land department and can directly apply for a land use certificate.
After making up his mind, Long Yifeng's confidence was even more sufficient.
The more the three chatted, the happier they became, especially Long Yifeng, who was influenced by Fan's mother's description of the future development of the company, and his career and pattern were also improved. Fan's mother suddenly slapped her thigh.
"Oops, I almost forgot something important. ”
Then while standing up, he said to Long Yifeng and Fan Tianyi: "While Xiaolong is here, you can do me a favor and take out the things in my car, it's not safe to put them in the car." ”
Long Yifeng and Fan Tianyi followed her to the BMW parked under the wall, and saw Aunt Fan open the back box, and the contents of the four large snakeskin pockets were placed there. Long Yifeng took out four bags, and then carried one bag in one hand, and Fan Tianyi and her mother each carried a bag into the house.
Long Yifeng felt that the two bags were very heavy, if it weren't for his own kung fu, it was estimated that it would be difficult to lift them at the same time. I don't know why Aunt Fan was busy moving them back into the house.
Mother Fan walked into the house, put the four bags side by side, and then said to Long Yifeng with a smile: "Xiaolong, do you know what is in here?"
"Hehe, how do I know. It must be an aunt's valuables. Long Yifeng didn't finish speaking, but saw Fan's mother untie one of the bags, and then grabbed the bottom two corners of the bag with both hands and lifted it violently. Suddenly, turn-by-turn RMB poured out of the bag.
Four sacks of money! Long Yifeng was stunned.
However, Aunt Fan said lightly: "The transportation in the mine is inconvenient, and a lot of on-site settlement money cannot be saved in time. No, some of them are moldy when they are put there. I'll move it back when I come back and take care of it a little bit. Save it again tomorrow. ”
She said as she busily opened the other four bags and poured out the money. Soon, a small mountain of RMB piled up was in front of Long Yifeng and them.
If you look closely, there are really some spots on some of the money, exuding a musty smell.