"My house is a school district, and my house could only be sold for about 1.2 million yuan, but my father saw that someone was in a hurry to buy it, so he temporarily increased the price, and it was sold for 1.4 million ......yuan," Liang Xin said from the beginning.

Chen Guangjian was happy when he heard it, and said with a smile: "You father, what a special old oilman." ”

I don't know whether this is a compliment or a deprecation.

Liang Xin smiled, also disagreed, and continued to say concisely: "I took this 1.4 million yuan, went to the capital to buy two houses at the beginning, and then used these two houses as collateral and borrowed 5 million ......."

"Can you borrow five million for two houses?" Chen Guangjian asked suspiciously.

Liang Xin then added and explained: "The bank wants to check the accounts before the end of the year, and a bank manager wants to rush the performance, saying that he can get on the bus first and then make up the ticket." In addition, I also pledged a little bit of my personal shares in the classmate.com, plus a guarantee in the name of the company......"

"Why are you looking for ......" Chen Guangjian wanted to scold people in an instant, but he was about to slap the table, when his hand was raised, he suddenly thought of something and asked, "No!" Do you use your own company to vouch for yourself? ”

"It's not." Liang Xin shook his head, "I set up another real estate company and found my cousin's representative. I am the majority shareholder of the real estate company, so I came forward to borrow money, and he was responsible for carrying the black pot. ”

When the words fell, An An burst out laughing.

Chen Guangjian turned his head to look at her, sighed, and said to Liang Xin with a dark face: "Your father shouldn't give you this name, you child, it's really not human......

Liang Xin said: "I won't harm my uncle, in case of thunder, I will definitely let him withdraw his shares in advance, and then change the name of the legal representative to my own." The whole world knows that I, Liang Xin, am a righteous man......"

"Shut up! In case of a thunderstorm, our network company will also die, and Lao Tzu still has shares in it! Aren't you afraid that Kang Ming and Ah Xian will pick your skin?! ”

Chen Guangjian was suddenly furious, slapped the table and scolded, "Stepping on a horse!" It's just daring! More than your dad! Your dad embezzled the company's money at most, and you stepped on the horse...... You're going to give the whole company to Lao Tzu! "I don't talk about whether he is really angry or fake angry, but it is obvious that he really regards the classmate network as his own industry.

"Dad, Dad!" Liang Xin had no choice but to hurriedly dissuade, "It hasn't happened yet!" And the thunder in the capital will never explode! ”

"You fart! You said it wouldn't explode, it wouldn't explode? ”

"Father! Be reasonable! Liang Xin also pushed back loudly, "This broken place in W City can be fried to 30,000, 50,000 or 60,000 square meters, and at the foot of the Son of Heaven in the capital, it should be twice as expensive as W City!" I have eight or nine thousand hands now, not to mention thunder, if it doesn't rise to eighty or ninety thousand, and it is sold for seventy thousand in advance, I will be considered a fool! ”

"You know the! The housing prices in W City are speculated by our group of lives! I'm waiting for the fool to take over now! Chen Guangjian directly showed his hole cards and shouted, "We have a fool from abroad who is willing to take over!" Do you have one over there? ”

"I grass, my emperor Ama, you have said that you are abroad, so you must have an international career and a future pattern!" Liang Xin had a distressed expression on his face, and replied loudly, "There are people in W City, as long as your successful case comes out, where in China will no one fry in the future?" The land of the capital, the district of the first good, this kind of place, the place where speculators must fight!

Do you want me to make a bet with you? If the housing prices in the capital do not rise within two years, I will lose the entire classmate network to you, if it rises, you will lose all the remaining shares in your hands to me, okay? ”

"Fart!" Chen Guangjian avoided answering and shouted, "If the housing price doesn't rise within two years, you will die so much that you will have no ashes, and you still have the face to bet with me?" If you want to play this set with Lao Tzu, you are still very tender! ”

Liang Xin shouted: "I'll just ask you, do you dare to bet!?" ”

But Chen Guangjian just wasn't fooled, "I'll bet on your mother's size!" Bet on bet! Just know how to bet! Can't you do your website well? ”

"Before! Not anymore! I can't go back! ”

"Why not?!"

"Because I borrowed 100 million!"

The shouting fell, and the roaring in the office came to an abrupt end.

Chen Guangjian opened his mouth slightly and looked at Liang Xin in dismay, his eyes full of disbelief.

An An even covered her small mouth, scared that Big G fluctuated, which was spectacular.

The three of them looked at each other quietly.

The house was quiet.

At this moment, the people of the whole world were quiet......

"Can you lend 100 million?" Chen Guangjian said he couldn't understand, "How did you do it?" ”

Liang Xin smiled coldly, "Dad, in this world, there are only unexpected things, and there are no things that can't be done."

Since I can use two houses and take out five million from the bank, why can't I buy a house with five million and continue to dig for it. Repeating ......"

"What about interest?" Chen Guangjian is an insider, and immediately asked about the core.

Liang Xin did not answer positively, but said: "Dad, in the final analysis, the matter of borrowing money is still a matter of personal reputation and trust between the two parties. First, I have enough collateral, second, I have enough high-quality enterprises to guarantee it, and third, we have a predictable and mutually beneficial interest relationship, and with these things as a premise, I just need to convince them that I can afford to pay the interest, which is equivalent to that I can really afford to pay the interest. ”

Chen Guangjian frowned tightly, "What about the specifics?" How do you do that? ”

"Simple." Liang Xin smiled faintly, and in a few extremely concise sentences, he used how he took 5 million to buy a house in that community, and used the house he bought to take a second loan of 10 million, and continued to invest in that community.

said in one breath, with the 35 million yuan he finally got in his hand, together with the little money left in the account, with the full amount of 36 million, he directly ate Building 14 of Wanhua Jinyuan, "Forty houses in one building, redecorated with partitions, each house can live an average of five people, the average rent per capita is 2,000, the average monthly rent of a house can be 10,000, and 40 rooms are 400,000."

In a year, it is 4.8 million. After deducting taxes and operating costs, the net profit should be only four million.

The interest on my loan of 50 million is 12 points a year, 6 million. The remaining two million shortfall, don't forget, I have another forty-two sets of rent to collect, two thousand a month, twenty-four a year, forty-two houses, just one million a year. Is it hard for me to end up with that million shortfall? It's a big deal for me to take my own dividends every month and fill them in, or borrow a bridge loan, a bridge loan of one million, and a maximum of 20,000 a month, I will borrow for three years and stabilize Mount Tai. And it doesn't matter if I can't do it, as long as the bank believes that I can do it, right? ”

Chen Guangjian was convinced by Liang Xin's math problems, and the good fourth-grade students couldn't help nodding, "Makes sense......"

Liang Xin took advantage of the situation and said: "So their bank borrowed another loan of 72 million from me. ”

Chen Guangjian was stunned when he heard this, "Didn't you say 100 million?" What do you add up...... That's more than 100 million! ”

Liang Xin smiled and said proudly: "One hundred million has been loaned, and the little money behind it is all a fraction and not worth mentioning." ”

Chen Guangjian looked at Liang Xin's expression of "treating money like dung", and wanted to smoke him a little.

I couldn't help but ask: "Then what are you going to do with the 72 million?" ”

"Buy two more buildings and rent them out." Liang Xin said, "It's still the same, as long as you can rent it out first, you can offset most of the interest with a year's rent." For the remaining gap, use a bridge loan to top it first. I have calculated, as long as I can withstand half a year, I will sell all the houses in the community first, and the money I get back will allow the three buildings to continue to last for a year and a half. According to my judgment of the situation, housing prices in the capital, at the latest, should have risen in the time before and after the Olympics. ”

Chen Guangjian's brows locked when he heard this, and he sighed: "Liang Xin, you dare to bet more than me, you haven't thought about it, what if it doesn't rise?" ”

"Never thought about it." Liang Xin looked directly at Chen Guangjian, his eyes suddenly became extremely sharp, and he was categorical, "Dad, what I'm betting on is not housing prices, but China's future economic development situation." According to the experience of all the first-mover countries in the world, as long as a country's economy grows rapidly, housing prices will inevitably rise. Because the economy continues to overheat, it will inevitably eventually lead to additional currency issuance. The country must give money a place to go when it prints more money in order to anchor wealth and curb inflation. ”

Chen Guangjian didn't understand at all, and asked decisively, "What do you mean?" ”

Liang Xin said: "To put it simply, there is too much production of goods, and there is not enough money in the market, so you have to print money." However, if the money is printed too much and the goods cannot be produced, the money must be stored in the goods, and the money cannot be allowed to circulate in the market, so as not to make the money worthless and the people will not be able to live their lives. The house is the best piggy bank......"

"It's kind of interesting...... Chen Guangjian nodded, "So if you put the money into the house, the price of the house will rise?" ”

"Yes!" Liang Xin said, "Dad, in the past few decades, China's productive forces have not been completely liberated, but our production efficiency is actually very high. The popularization of a large number of machinery and equipment, the improvement of the country's ability to manufacture their own production tools in various industries, coupled with a large number of well-educated skilled workers are fully employed.

Our production capacity is strong, the production capacity is large, and the manufacturing cost is low, all these things add up, once the production is released, our goods will continue to flow into the market. At the same time, due to the superposition of a series of advantages in the manufacturing industry, scale advantage and cost advantage, the export price of our goods will surely crush international counterparts in various industries.

Especially those industries that have been eliminated by the first-mover countries, toys, furniture, lamps, stationery, etc., these light industrial products, domestic and foreign orders, are bound to make domestic factories turn for more than ten years.

After so much foreign exchange comes in, a large number of factories will have to exchange them for their own currency, and the state can only print money. What is your first reaction when this money falls into the hands of a rich man like you? ”

Chen Guangjian blurted out: "Money makes money!" ”

"Yes, money makes money." Liang Xin nodded, "Either take the money, expand reproduction, produce more products, and meet domestic and international demand - more than a billion people at home, billions of people abroad, such a big market, orders can never be received, and our factories can never stop, so the money circulating in the market will only increase; Either take the money and go to eat, drink, prostitute and gamble, to enjoy, or to speculate, speculate in stocks, or ......"

"Flip the house!" Chen Guangjian stepped in, his eyes lit up, "No wonder, no wonder...... You say it better than Xiang Youyi! ”

"I know." Liang Xintian shamelessly admitted it, and continued, "The money spent on eating, drinking, and having fun will not disappear out of thin air, and it still stimulates consumption and promotes production." But speculative money, it's hard to say. I don't know much about stocks, so I won't talk about it, let's just talk about housing prices now. Think about it, so much money, so many people, if all of them are in a hurry to throw money into the house, then is it natural that housing prices should go up? ”

Chen Guangjian nodded slightly, "As long as there are always people willing to take over, housing prices will not fall." ”

"yes." Liang Xin said, "As long as the economy has been active, there will be a steady stream of rich people who throw their spare money into the property market." The more people throw it, the hotter the property market, the higher it rises, and the earlier the people invest, the greater the return. The more people who follow up, the more they have the urge and intention to invest, and the ability to do so. In this way, the rich people make money, there is less money circulating in the market, and the local government can further stimulate real estate by selling land, and at the same time reap the fiscal harvest, but also avoid inflation.

With a rich boss, more money can be produced, and with a rich government, better public services can be provided, and the people can also enjoy the dividends brought by social development. After this set, the bosses have made money, the local government has made money, the country has made money, and the bottom can also taste a little sweetness. So, Dad......"

Liang Xin looked at Chen Guangjian, who had already listened to the stupidity slightly, and began to summarize his statement: "Based on the premise of the sustained and stable development of the national economy, next, I judge that the country will introduce a series of policies to stimulate the development of real estate." Even if we don't take the initiative to fry, soon there will be people who will respond to the national policy to enter the market to fry, and when the time comes, the whole country will play a game of chess, and the world will gather to respond, win food and shadow follow! ”

Chen Guangjian glared at Liang Xin and said that the ancient text is hateful!

An An on the side, but his eyes were full of light when he heard it, and he whispered worship: "Wow, the great god is so cultured......"

Liang Xin pretended not to hear, and said to himself: "Dad, the situation is already here, we started to speculate in W City, you think you are spontaneously speculating, but in fact, it is you who are a group of people, invisibly driven by the laws of the market, to enter the market first." It's just that there's a problem here, although you entered at the right time, you chose the wrong battlefield.

Although I said that house prices will rise, they will not rise forever, and sooner or later, it will go up and down. The current housing prices in W City are equivalent to the future has been overdrawn by your group. I judge that it is not far from the limit. But the capital is different, first of all, it is a virgin land, which has not yet been penetrated. Secondly, its market scarcity and its own value are over there.

In such a city in China, its housing prices can be ridiculously high. Because not only are the most powerful people in the country gathered there, and there is enough money to support its price, but as an international metropolis, it can directly absorb funds from all parts of the world.

But W City is different, W City is only you. How much money you can pay, how much the house in W City can rise. One day you stop playing, you want to see it and take it, you want to retreat, but you find that no one takes over, and then it will be the same, and you can only pay for this bad debt. The real estate market in W City, and the whole country, are two roads in the same context.

You entered early, and you chose this road in front of your house. But I don't have a choice, but I believe in the future of the country, and I believe in the prospects of the country's development. Dad, I'm not gambling on real estate, I'm betting on something, you know? ”

Chen Guangjian's eyes were complicated, and he asked, "Bet you are educated?" ”

"Nope." Liang Xin shook his head and said, "I'm betting on the national fortune." ”

Chen Guangjian was dumbfounded.

An An's eyes were full of water, his face was full of admiration, and he suddenly became a nymphomaniac, "Wow, so handsome......"

"By the way, I also brought you a gift."

Liang Xin turned a deaf ear, took out a slip from his pocket, gently patted it on the table, his eyes were as solid as a rock, and pushed it in front of Chen Guangjian.

"Dad, come with me, go to the capital, and fight the world."

(End of chapter)