"Yes...... This is all Zheng Ce. Pei Qianlong couldn't figure it out.

Others are racking their brains to take advantage, and some even enter this industry to take advantage, why is it that when they come to Mr. Lin's side, they have such a high ideological consciousness.

"Lao Pei, have you ever heard a saying that free things are the most expensive." Lin Dongfu thought of this sentence inexplicably.

Pei Qianlong fell into deep thought, he seemed to understand what the boss meant.

"Mr. Lin, I'll talk about it again."

The people being talked to were confused, they had never encountered anything like it.

On the bank's side.

It's still cold in February, and the manager is already sweating.

"Mr. Wang, does your bank have any low-interest loans for enterprises like us, if not, we can accept an annual interest rate of 6%." Pei Qianlong first rejected the interest-free loan, and then began to bargain over the interest.

At present, the benchmark interest rate of Huaxia's loans is unified, the term is 5.31%, banks can float down by 30%, up by 50%, local banks can float down by 50%, up by 70%, banks have financial subsidized loans, that is, the interest is subsidized by the state finance, with full subsidies and partial subsidies.

This is also known as low-interest loans.

6% is no longer a low-interest loan.

20 billion can be loaned out casually, as long as you can mortgage enough effective assets.

For example, mortgage the 800 acres of land, mortgage the income of Meow Meow Games in the next few years, and even directly mortgage Meow Ya Live Broadcast.

Neurotic, Nima!

Manager Wang is not an ordinary bank manager, if it is not for the large amount involved, in fact, he does not need to come forward at all.

He thought that this was an easy thing to do, but he didn't expect the person concerned to refuse.

Why would you say no?

Can you please tell me why, I don't want to communicate with neuropathy.

Go back to your sixth-hospital emergency department.

"Even if the annual interest rate is only 6%, there will be 2.2 billion interest in a year, do you still have money to develop?" Manager Wang is not a fuel-efficient lamp, and began to work hard to persuade Pei Qianlong.

Let's go......

Half an hour later, Pei Qianlong was also a little anxious: "Mr. Wang, we really don't need an interest-free loan, you just give a low interest rate." ”

There is a limit to supporting the chip industry.

How can this Wang always have a stupid temperament that I have 20 billion, and I have to spend it.

"1.28%, what do you think?" Manager Wang really had no choice but to give a number that he had operated before.

Previously, an environmental protection company with a state-owned enterprise background applied for a low-interest loan of 400 million yuan in order to introduce a batch of new equipment, and finally evaluated it regularly and opened it to an annual interest rate of 1.28%.

If the loan is 20 billion, the interest that needs to be settled every year is 256 million.

"Yes, you can." Pei Qianlong was overjoyed, this interest rate was much better than the 6% he expected.

It's not free, is it?

"Wouldn't five years be too short, or ten years?" Manager Wang must consider the impact of his interest-free loan on himself if he does not lend out, such a trivial thing cannot be done, how does the leader see himself.

Based on his speculation on this matter, it is necessary to vigorously support it from above.

Since I haven't been able to take out an interest-free loan, it's okay for me to extend my tenure.

This is indeed a bit self-assertive, but those who never make their own decisions have no possibility of going further in their system.

Pei Qianlong thought about it for a while, Mr. Lin didn't seem to say anything about the number of years, this is not free, we gave interest, and it is not considered to take advantage of Guo Jia, so he agreed after hesitating.

Manager Wang breathed a sigh of relief.

"You Kleist rarely get involved in financial services, you always hate to see each other late, Mr. Pei is young and promising, if you don't think I'm an old man, it's better to have a meal together."

"Haha, Mr. Wang, you look like you're only in your early forties, where can I be called young and promising in front of you, I've already arranged a place to eat, let's go now."

Of course, Pei Qianlong would not refuse.

It's not that the bank says that it doesn't matter if they give you the money.

Otherwise, what should you do if you mess around, so theoretically there is still a regulatory mechanism.

This mechanism usually doesn't work, but what if.

So there's no harm in having a good relationship with the bank.

The two soon became friends.

Kleist also got a low-interest loan of 20 billion yuan in a very short time, and the approval and disbursement of the loan was fast, comparable to Lin Dong's investment in film and television dramas.

Then Pei Qianlong went to talk about the price of the land again.

He took several experts from the chip division to see it, and it was indeed very suitable for the wafer factory.

The estimated area given above is 432 acres, but the actual area used can even reach about 500 acres, and if you add the mountains on both sides - it is cheaper to buy this, the actual area may be thousands of acres.

This L-shaped mountain is so gentle that it is possible to build a research and development base on it.

In general, this place can completely accommodate Kleist's chip division, even if it will be more than enough to develop and expand production capacity in the future.

There were a few twists and turns in the land negotiations.

After all, if the land is granted, this land is still Guo Jia's, which limits the way you can use it.

Theoretically, you can't keep this land for other purposes, you can't transfer it.

But if you buy it, there are not so many restrictions.

In fact, whether it is land grant or land purchase, it does not constitute a transfer of ownership, only the right to use is transferred, our Guojia land is state-owned, and no collective or individual is allowed to buy or sell.

Rejecting an interest-free loan from a bank may seem like a fool's errand.

The refusal to grant the land and ask to buy the land will inevitably make people think about it, but when Kleist's funds are in place, the design sketches are drawn, and the construction unit has even negotiated it, there seems to be no reason to suspect that they want to take the land and resell it at a low price.

Besides, Kleist's reputation on the top has always been good.

In the end, 432 acres of flat land was traded at a unit price of 8,000, and 620 acres of mountainous land was traded at a unit price of 2,500.

The total price is 3.3 billion.

Don't think 3.3 billion is a lot.

Kleist spent 4 billion yuan to buy the 800 acres of land.

At that time, the land price of this piece was underestimated, and several large real estate developers with land fled one after another, and they could not find a receiver at all.

And now.

During the five-year sideways period from 2010 to 2015, housing prices across the country basically did not rise or fall, speculation was extinct, inventories continued to increase, the growth rate of real estate investment slowed down significantly, and the area and sales of real estate sales declined year-on-year. The real estate industry's profits have decreased, turnover has slowed down, and scale growth has stalled, and real estate companies have all experienced relatively difficult business conditions.

Pessimistic expectations for the real estate sector are also increasing.

It wasn't until the end of 2015 that "destocking" began to stimulate real estate, and housing prices rose wildly in first- and second-tier cities.

At the same time, the stock market crash in the summer of 2015 made most of the funds in the stock market be trapped in the ocean, and the funds that ran out of the "stock market crash" in advance and other idle funds could not find a "place" to invest in China for a while. The lack of high-quality assets to invest in the entire market has led to large-scale low-cost funds entering the real estate market through asset management companies and fund companies.

Under multiple stimuli, real estate companies around the country have also begun to pay high prices for the land, constantly refreshing the transaction price of the land king.