For those old customers who were originally able to get back the principal of the deposit, it has been Amitabha.

However, Jerry Wu agreed so happily that some people couldn't help but look at Shu: "Handsome guy, how to calculate the interest?" ”

"Principal and interest are calculated. If the deposit is overdue, it will be calculated at the regular interest rate. If it is less than one year, it will be counted as one year on a regular basis. Although our Han Palace Bank has nothing to do with maritime loans, we promise to bear the troubles they left behind. Not only will the principal and interest be paid, but some will be made up for you. Yes, there is not much to make up, this is the small heart of our bank. ”

Those people were already smiling. I was afraid to get back the principal of the deposit, but now I can even get the interest back? And can you take more? What's not to like about that?

"Handsome guy, we're not unreasonable people. I wish you all a good start and a prosperous future! ”

"Thank you. Compare hearts to hearts and understand each other. Please go over there and register. Oh, and we also have a buy-one-get-two-free mortgage campaign here. It's also a reward for your old customers. If you are interested, you can come back to me after making an appointment to register later. ”

With the hope of getting back the principal and interest, those people were of course in a happy mood. Hearing Jerry Wu's nice words, someone immediately asked, "You can wait for an appointment." Handsome guy, what do you mean by buy one get two free? ”

"That's right. Let me give you an analogy: you now have 1 million in your hand and are ready to buy a unit worth 1 million. Then you have to pay for a house. Isn't that so? ”

"Uh-huh." The people around him nodded their heads repeatedly. 1 million money to buy a 1 million house, what tricks can be played? Buy one get two free, can you still get two units?

Jerry Wu continued to laugh: "Our bank has launched a new loan preferential policy - if you buy the first unit with 1 million, you can apply for a 120% loan for the second unit without collateral. That's 1.2 million! Then you can use the first home as collateral and apply for a loan of no less than 80%. That's 800,000, adding up to a total of 2 million. In this way, you can buy three units worth 1 million in succession. ”

I'm picking!

Those people are all surprised, or are they really giving away two suites?

However, there are still people who are more sober: "Handsome guy, how to calculate the loan interest rate?" ”

"Pay off the principal and interest within three years. Enjoy the Bank's preferential loan interest rate. ”

"What about paying it off in three years?"

"It is possible to switch to a housing loan with a term of more than 10 years after three years. When the time comes, you will have to change the mortgage contract. ”

"Handsome guy, what if we can't get 1 million now?"

"You used to have a house, huh? For example, if you want to improve your family's housing conditions, you sell your original 1 million house and buy a new house for 2 million. Now it is about the same as a zero down payment to get a mortgage of 2 million. Not only can you buy a new house, but you can also leave an old house and leave an inheritance for your family. In the future, whether it is renting or housing prices rising, your whole family will make a lot of money, and you will make a lot of money! ”

"What if I still have a mortgage?"

"That's easier! Just deduct it. For example: the unit of the old house is 1 million, and there is a mortgage of 500,000 left. You can subtract 500,000 from 2 million and get a new mortgage of 1.5 million. Our bank will help you with the specific procedures, and you will never feel troubled. ”

Some people are still puzzled: "Then we have more mortgages?" ”

"Then don't you want to think that you will get more units? Is there such a good thing, you ask? I don't have any money around, and I buy two more units with my old house? How many good opportunities can I have in my life? No one likes a bunch of poor people, right? And we, the Han Palace Bank, will give you the opportunity. ”

"Then in case of a crash, so many mortgages, aren't we going to jump off the building?"

Since '87 and '88, Hong Kong's property market has entered a big bull market. So far, it has almost doubled.

As a result, in the recent period, house prices have begun to consolidate at a high level, or even fall slightly. As a result, the market has a strong wait-and-see atmosphere. It is precisely because of the strong wait-and-see atmosphere that the Huang family is willing to take out 50 to 100 units to cooperate with the Han Palace Bank. If you are coaxed by the market, where will such a good thing come from?

Of course, Li Yuan's rebirth must know that it is a very short-term high-level consolidation. Then the housing market will enter a period of crazy upward movement. It will rise until 97 or 98, and on the basis of now, house prices have increased by as much as two or three times!

But the ordinary citizens of Hong Kong don't know? Even real estate developers dare not guarantee the market outlook. I'm afraid that the current decline will turn into a housing disaster! They have been frightened by the previous house disasters, so some people have become frightened birds.

Jerry Wu smiled slightly. Those who are really timid, they will not stay here and continue to ask. The few ...... who stayed I'm picking!

Jerry Wu suddenly found that the few people around him had already become more than twenty, and there were people constantly surrounding?

Jerry Wu was still smiling: "The elders must understand the principle of doing what you can." Our bank also does not advise you to over-invest. But how many beats can life have? You are buying a family business, and you are not spending money indiscriminately; You are investing in real estate, not speculating in real estate. What are you afraid of in the short term? That's a lifetime affair, and even blessings for future generations. There are three or four suites in one generation, and more than a dozen suites in three generations. Your family has become multimillionaires. Even if you are a charter company, the annual rent collected is hundreds of thousands? And the three generations are grandchildren, and if you are lucky, you can see it yourself. And the factor of inflation, coupled with the factor that real estate is a scarce resource, etc., has a relatively fixed increase every year? Maybe the house price will become tens of millions, or even hundreds of millions? Imagine that a billionaire opportunity is right in front of you? Don't hide it from you, you and I are ordinary people, and we have not been reincarnated into a rich family. If you want to become a billionaire, in addition to buying lottery tickets, this is also this opportunity, right? ”

After hearing these words, the vast majority of people were moved. Still, some people can't believe it, because it sounds so perfect.

"But...... But we have taken such a big advantage, what good is it for your bank? ”

Jerry Wu smiled: "Don't worry, you will never do business at a loss." Our bank is here to give back to you regular customers. And this is the bank giving you a loan, not you giving the bank money. To put it mildly, even if our bank is like a maritime loan, the people you lend to will not lose? ”

The crowd immediately burst into laughter. That's exactly what it is.

Seeing that the atmosphere was good, Jerry Wu immediately took the hot iron: "Okay." People who can enjoy such benefits need to meet two requirements: one is an old customer with a deposit of more than 100 mosquitoes; The other is that there are only 500 places. First come, first served! If you are interested, you can come to me and make an appointment. Thank you! ”

As soon as the words fell, a large number of people suddenly gathered around......

……

In the 26 business outlets in Hong Kong, similar scenes continue to occur. The statistics are constantly aggregated to the bank's headquarters.

And this set of plans designed by Li Yuan is the famous minus 20 down payment house in Hong Kong in the future!

Don't say it, as long as you talk about tricks in the real estate field, none of those real estate developers in Hong Kong are convinced! Like selling off-plan properties, shared area, etc., they were all invented by those grandsons in Hong Kong. And then there was this minus 20 down payment? You've probably heard of zero down payment, right? How dare they lose 20?

Later, during the subprime mortgage crisis in the United States, Fannie Mae and Freddie Mac died because of zero down payment. It should be said that Americans are still relatively honest and not as cunning as Hong Kong real estate developers. Zero down payment is zero down payment, and this kind of mortgage is quite risky.

On the contrary, such a minus 20 down payment is actually playing some financial tricks, a relatively good-sounding gimmick, and the real risk is not high. Not to mention the complicated financial operation, let's just say that buy one get two free! Don't you also need 1 million cash or real estate as collateral? That's already a 30% down payment in disguise.

Besides, maybe the others are not guaranteed. But if housing prices rise in three years, Li Yuan can't guarantee it? In three years, even if there is a housing disaster, it will be two or three times the current house price. Even if someone cuts off the supply, the bank will not be afraid. It's nothing more than a court to enforce the auction.

Of course, no matter what the solution is, there is no good or bad solution, the key is to use it in the most appropriate place.

The reason why this minus 20 down payment scheme is adopted is that it will bring a huge amount of turnover in the first place.

100 units is 100 million, and 500 units are 500 million. And if this plan is popular, is it limited to 500? That's certainly impossible.

And after getting that many mortgages, they can be packaged into high-interest junk bonds. There are a lot of ways to play here, anyway, it's a deep Wall Street routine.

In addition, it can offset some of the run pressure.

It's very simple: as long as you can win a customer, his original account will not be closed, right? I won't come to the run. Moreover, the mortgage can also be booked in batches, and there will be no centralized run, which can also reduce the pressure on funds.

And with the topic of buy one get two free, it can divert the attention of others, make the customers who were originally ready to run hesitate, let the hesitant customers wait a little longer, and try to survive the first wave of runs.

Because of this, Li Yuan asked the 26 business outlets to register for appointments, but the trial opening was postponed after October. It is to use this time difference to make the data more accurate in order to judge the situation more accurately.

To this end, Li Yuan and Huang Jiaojiao even invited a whole financial team......

……

In the office building outside, the social animals of the financial team are busy doing statistics and inputting them into various models for calculation.

In the office inside, Li Yuan was chatting and laughing with several financial experts, discussing warmly...... Math problems. Ahem.

In the field of science, there is actually a chain of contempt. The crown of the natural sciences is mathematics, and the crown of the social sciences is, of course, philosophy.

Within those who study mathematics, there is also a chain of contempt. For example, a math professor scolds in class: "Why can't you even score 90 points? It's better to study physics or astronomy; Why can't you even get 80 points, and you're going to study economics in the future? Or switch careers to computer science? ”

In the eyes of the programming ape, those who study economics and finance are the eighteenth-rate mathematical level;

Also in the eyes of economic and financial scholars, the next ninth-rate mathematics level will be a programmer......

Of course, no matter how much you despise it, at least admit that the other party's math level is professional.

To explain: Here are those big bulls and calves, ...... project directors like Li Yuan? It's barely one! As for those bald fat houses down there? That's called code knocking migrant workers! It doesn't count at all!

It should be said that as the financial center of the Far East, Hong Kong's financial experts are still very professional. If you don't think about the problem of discipline, it even belongs to the first echelon level in the world.

Therefore, the small talk with those financial experts has a lot of common topics. After all, in daily life, there are few friends with professional math skills, and their brains are kicked by donkeys, so they will treat math as idle talk.

For example, there is such an eldest lady beside Li Yuan, who has already rolled her eyes frequently, and is very impatient with those boring and incomprehensible words. Looks like she also studied finance, right? (laughs and cries)

Huang Jiao cursed squeamishly in secret: Please! Is it enough? Math is more fun than the old lady, isn't it?

Seeing that Li Yuan was still in high spirits, it seemed endless? The eldest lady stepped on it viciously.

However, this small action of poking and poking was noticed by the people on the other side. They are also very interesting: "There is little fate, then we will talk later." You will accompany the third lady more. Hehe. ”

Li Yuan was also very helpless: "Then we'll talk later." You guys get busy first! ”

“……”

……

This kind of data statistics and analysis work is not so fast at all, and it is still the repetitive work of those social animals.

When the financial experts left, Huang Jiaojiao immediately started a small temper: "Xiao Yuanzi, I just thought that you were all impersonating aliens." ”

"Huh." Li Yuan didn't dare to hurt the scumbag's heart anymore, "Just ask them about the financial analysis software they use." There are also commonly used financial analysis models. ”

Huang Jiaojiao's eyes lit up: "Do you want to write a financial software?" Leave it to us forever? ”

Li Yuan shook his head with a smile: "Financial software and financial software are quite mature, and there are several very competitive software companies in Silicon Valley. The earliest demand came from banks and accountants. And they're a whole development team, so how can I do it alone? ”

"Shh Hearing that Li Yuan had no use value, the eldest lady immediately abandoned it, "It turns out that you are useless at all, so Rory is wasting time?" ”

"It's just small talk."

"Shhhh Isn't it all revealed? So you're the most junior software engineer? In front of this palace, do you dare not admit it? ”

"Huh! I really don't admit it. ”

"Then you let the horses come! Hee-hee-hee! ”