The best way to build a good relationship with the bank is to borrow money desperately, and Chen Zhiwen plans to do so.

On the third day of returning to Hong Kong, Chen Zhiwen went to HSBC to meet Shen Bi, and discussed behind closed doors, Chen Zhiwen and Yonggao's representatives, under the witness of Shen Bi, signed an acquisition memorandum to acquire Yonggao Company for 178 million Hong Kong dollars, of which 30 million Hong Kong dollars Chen Zhiwen needs to pay by himself, and the rest is all provided by HSBC for loans.

After the representative of Yonggao left the United States, Shen Bi said with a smile: "Chen Sheng, congratulations, you officially own a building of your own in Central, Hong Kong. ”

"Nominal possession." Chen Zhiwen said with a light smile, the American boss will sell Yonggao Company, and the previous contract signed with Hilton Hotel Group is still valid, that is, it will take another 38 years for Chen Zhiwen to dispose of the Hilton Hotel.

"Anyway, it's one of the largest hotels in Hong Kong, with 700 rooms, and the hotel business is very good." Shen Bi said.

"The more suites you have, the more you lose money when business is bad." Chen Zhiwen shrugged and said, although Hong Kong's economy is developing rapidly, but the tourism industry is not very good, plus in the past ten years, there have been two economic crises, the hotel is basically a loss, but the Hilton Hotel Group is a large company, the agreement signed is still the overlord agreement, when making money, it is easy to say, it will be divided to the owner, when it is not profitable, as soon as the accounts are done, the dividends are gone, and to breach the contract, the cost is even higher and scary, otherwise, the American boss behind the Yonggao company is not a fool, the hotel in the center of Central, How will it be sold?

If it weren't for the fact that he knew that the real estate would rise tenfold in the future, and this location was the center of Central, Chen Zhiwen would not have acquired it.

"Hong Kong's economic problems will always pass." Shen Bi said with a smile.

"I also agree, so Mr. Shen Bi, I am ready to invest in Hong Kong's real estate industry on a large scale." Chen Zhiwen said.

"Oh, what is Chen Sheng going to invest in? If you need help from my HSBC, just ask. Shen Bi said with a smile.

"Mr. Shen Bi also knows that I am very optimistic about the industry, so I want to acquire industrial properties in Hong Kong on a large scale. ”

The difference between industrial real estate and residential and commercial is that it is not only affected by the Hong Kong economy, but also by the international environment.

For example, after the stock market and real estate plummeted in March last year, although industrial real estate was also affected, but the decline was the smallest, and the real plunge of industrial real estate was in December last year, when the oil crisis affected Europe and the United States for two months, the number of orders from the European and American markets plummeted, causing the depression of Hong Kong's industry, and then naturally affected the industrial real estate that relied on Hong Kong's industry to suck blood.

In March this year, the oil crisis ended, but at the economic level, there are still many problems abroad, orders to Hong Kong are getting fewer and fewer, and the price of Hong Kong's industrial real estate is still sluggish, but Chen Zhiwen knows that Hong Kong's real estate market will begin to recover in early 75, because industry has begun to recover again.

In terms of long-term holding returns, industrial real estate is not comparable to residential and commercial, because its upper limit is limited, Hong Kong's low-end industry simply cannot afford high rents, but its advantage is that it can quickly rise to its high level, as long as international orders increase, it completely ignores the entire Hong Kong real estate market.

For example, Eagle Monarch Real Estate, which is more famous outside the Five Tigers of Real Estate, has absorbed industrial real estate in the past two years, and cashed out in 77 years, making a net profit of 400 million, which is also one of the fundamental reasons why it was able to enter the top ten real estate in the early 80s.

Chen Zhiwen now needs a lot of quick money, industrial real estate is a very good choice, and the Hong Kong government's control over industrial real estate transactions is not strict, and it will not attract the attention of the market, which belongs to the type that can make a fortune secretly.

"Industrial real estate, no problem." Shen Bi didn't hesitate, so he nodded and agreed: "I will give a good discount on the loan." ”

"Mr. Shen Bi, I don't care about the discount, I hope to get more discounts on the quota." Chen Zhiwen said very formally.

"Amount?" Shen Bi raised his eyebrows, looked at Chen Zhiwen with some surprise in his eyes, but quickly returned to normal, and said with a smile: "I really didn't guess at the beginning, Chen Sheng belongs to the kind of master who either doesn't make a move, and will definitely dare to gamble if he wants to sell." ”

"If you know that you will win, then you don't call it a gamble, I firmly believe that Hong Kong's property market is about to recover." Chen Zhiwen smiled and said.

Doing real estate business, the most important thing is not how much money you have, but how much money you can get from other people, with Chen Zhiwen's net worth now, considering the overseas investment layout, he can use not much money freely, these money into the real estate market, a few times can earn two or three billion, but if HSBC dares to lend him one billion now, all invested in, the future income guarantee is dozens.

Another important point is that the cooperation with the bank is to borrow money desperately, the more you borrow, the better, the more you borrow, the better the relationship between the bank and you, the less you borrow, people love you birds or not, when you can make money, you must borrow more money, when you lose money, you have to borrow money, such as Chen Songqing in later generations, everyone knows that he has a problem, but no bank dares to take the initiative to burst this bubble until the government takes action.

"Chen Sheng is very similar to Bao Yugang back then, they are so confident." Shen Bi smiled and said: "But this kind of thing, for our bank, risk is the most important thing, Chen Sheng wants to get Bao Yugang's treatment, he has to prove that he has Bao Yugang's ability." ”

"Understood, then wait for time to prove it." Chen Zhiwen nodded and said that choosing a long-term partner is also a very important decision for HSBC, the quasi-central bank of Hong Kong.

You must know that HSBC's average profit in recent years has only fluctuated between 3-500 million Hong Kong dollars, and a loan for a large-scale real estate project, less than tens of millions, large hundreds of millions, really has a problem, HSBC will definitely not have a problem, but it is not necessarily the master, in the original history, Shen Bi chose Li Jiacheng, and it was also after several years of investigation to recognize his ability.

It's just a pity that many of Chen Zhiwen's overseas layouts can't be taken out, and HSBC's other purpose of supporting a certain Chinese is to control him, and the influence of overseas industries HSBC is not enough, once Shen Bi knows that Chen Zhiwen's overseas business is so big, many potential cooperation opportunities may be gone.