In the conference room of Cheung Kong Asset, Lin Zhichao and the management were discussing the details of the Champagne Building with a British lawyer, Andurou.

Lin Zhichao also did not expect that after he invented 'stratification and installment' in the late 40s, Hong Kong real estate did not progress; for example, the down payment for the sale of uncompleted properties still needs to be 50%, and the final payment still needs to go through a law firm, etc., and no one has come up with innovation.

Even, in the large number of buildings built before (3~5 storey tenement buildings), most of the owners still adopt the method of 'lease collection', and only a small number of them are sold in layers.

In fact, in the past, there were still practices in Hong Kong where real estate developers learned from foreign real estate developers, such as building a building with 4 floors, setting up a company, and the owner buying one of the floors owned 25% of the company's shares; However, if the landlord needs to live, the company can assign you a floor, but you have to pay rent; At the end of the year, the company will do the accounting, exclude the expenses of the building, and will give you dividends. As a result, the owner does not actually have a title deed, and once the majority shareholder holds 51% of the shares, he has all sorts of conveniences – the right to repair, which is unfair to the minority shareholders.

It wasn't until Lin Zhichao's development of 'tiered sales' that the situation was improved in one fell swoop, and it can be said that it has made an outstanding contribution to the world's real estate industry.

Andurou, the lawyer in charge of the sale of Champagne House, is an Englishman, and in fact there are many British lawyers in Hong Kong, they can take jobs in London and Hong Kong, and the law is the same anyway.

He highly praised the 'public housing deed' proposed by Lin Zhichao, and believed that the recent concerns of the legal and political circles seemed to be well resolved.

The Hong Kong government is allowed to build high-rise residential buildings, but the Hong Kong government actually does not want to solve too many problems, for example, at present, the Housing Department hopes that one owner of one floor, as for if there is a real estate company to sell the unit separately, all the follow-up problems will be handled by the real estate company itself, anyway, our government department only does this.

In other words, the current title deeds of the government departments are made according to one floor (previously it was done according to one building), so if the Champagne House is sold as a sub-unit, you actually have to communicate with the law firm and ask the Housing Department if it agrees (according to the law whether it is prohibited to decide).

Then the sub-unit title deed is actually a 1/N strata title deed issued by a law firm. In the future, after the government department has improved the system, the deed will be changed and registered again.

This is a career that is constantly improving, and Lin Zhichao is very happy with it.

"Lawyer Anduru, do you think this 'public housing deed' can solve the worries of strata and unit sales? Is there anything missing? ”

"I have been in various discussions with my colleagues recently, hoping to find out what was missing from Mr Lam's invention of the 'Public Housing Lease' and find that the Public Housing Lease can solve legal matters. As for the problems that cannot be solved, they are not within the scope of the law - for example, the owner has the right to use his own space at will, and others have no right to interfere, which will increase the number of disputes between them. For example, if you set up a factory in a building, you will disturb others with noise when you start working. If you open a restaurant, you can install a neon sign at the door, which will be lit all night, making it difficult for guests to sleep. These problems are the problems of the future of the residential building! ”

Lin Zhichao said with a smile: "These problems are the 'anti-nuisance regulations' that the government needs to improve in the future, in fact, these problems have nothing to do with the building itself." For example, if someone kills someone with a gun, is the gun wrong? ”

The neon lights are lit up all night in Hong Kong, in the style of Hong Kong's 'cyberpunk', and the curtains can be drawn by the residents, and the factories set up in the buildings are the characteristics of Hong Kong's development, and there will be a large number of family-owned factories in Hong Kong in the future, and even the future Hong Kong electronics industry will be set up in two residential units, which can assemble 4,000 transistor radios a month.

Anduru smiled and said, "That's true! Then we will draw up the detailed legal documents of the 'Public Housing Lease' next week, by the way, do we need to guarantee the instalment payment? ”

At this time, the real estate sales will be collected and managed by the law firm and the buyer's money will be collected, and the law firm will then call the real estate company. Lin Zhichao has the intention to break this regulation, but if you think about it carefully, it may not be a good thing to let the bank intervene too early.

So, Lin Zhichao said: "Yes, it is still the law firm that collects the buyer's funds, and this time it is also cooperating with your law firm." ”

Anduru then said earnestly: "Good! However, Mr. Lin needs to pay attention to one point, we collect the buyer's purchase funds, then we are the buyer's trustee, and we will consider the buyer's interests and whether to send the money to the real estate company. Of course, I'm talking about the situation that the real estate company may need to face when it has a financial crisis! ”

This is true, Lin Zhichao couldn't refute it, so he said: "I know, this is the law." Moreover, we only charge 20% of the down payment for the Champagne mansion, and the final payment is divided into two years, and the off-plan property can be transferred and sold."

A series of maneuvers followed, but fortunately, the law firm would take care of everything.

Although the lawyer in Hong Kong is expensive, it is a lawsuit, and the fee for making some documents and notarization like this is not expensive, and it is also the buyer's money. Of course, for a law firm, doing this kind of lawyer notarization is quite easy and full of money.

Anduru said: "Everyone else is eager to collect the full amount in advance at one time, but Mr. Lin is better to lower the down payment and extend the term. ”

Lin Zhichao said: "The house is in my hands, and I don't worry about someone defaulting on the debt!" And lowering the threshold is conducive to the purchasing power of the public, and my house can be sold better. You tell me? ”

In fact, Lin Zhichao also has an idea, that is, to weaken competitors. If the down payment is reduced to 20%, then other real estate companies can only reduce the down payment, and even if it is poor, it will have to be reduced to about 30%. In this way, everyone will not be able to collect more money, and it will be natural to auction land, buy land and old buildings, and not be too 'big pipe'.

For Lin Zhichao, his actions are fast and he can return the funds as soon as possible; Cheung Kong Industries Group and Global Shipping can also come up with funds to subsidize Cheung Kong Industrial.

In short, he is strong!

Anduru was pleasantly surprised: "Wonderful! From the customer's point of view, the lower the down payment, the less stress they have! ”

In fact, a high-rise residential tower can be completed in 12 months. Two years of instalments will appear, and the mortgage has not been paid off after moving in, and the deed has not been obtained.

Of course, these are small things.

Anduru then left and returned to the law firm to deal with the cooperation.

Cheung Kong has been busy, with more than 50 staff members, and is currently planning three real estate projects - two real estate projects on Campari Road in Tsim Sha Tsui, and one real estate at 2~4 Hysan Road in Causeway Bay. Each of the three sites has only one building, which is a small development, with more than 200 residential units and shops on the ground floor and a ground floor shop in one development.

In a restaurant in Central, Lin Zhichao, Li Gaofu, and Yu Chengwan gathered together, and the person who invited them was Yu Chengwan. He originally wanted to entertain guests at night, but Lin Zhichao has always been a non-important entertainment (attending events and important guests are important entertainment), and he refused to do so at night, and accompanying his family is the most important.

Therefore, everyone made an appointment at noon, and Lin Zhichao refused to drink.

Yu Chengwan was quite anxious at this time, so after chatting for a few words, he introduced the topic to the right thing: "Lin Sheng, I have already sold the farm and arranged Wu Bing and her sisters in Defu Garden. ”

The implication is, I have listened to you, should I mention the matter of the 'real estate agency'!

Lin Zhichao smiled and said, "Brother, how much money have you prepared?" ”

Yu Chengwan said frankly: "I prepared 100,000!" ”

Lin Zhichao nodded, and then explained: "Then I'll give you a popularization of what a 'real estate agency' does!" This kind of company is actually a house speculation, for the real estate company, your kind of company to speculate on my real estate, is conducive to sales and price increases, so, I can give you an internal price, about 95% of the outside. For the agency itself, it is to speculate for a living, maybe you buy a house from me today for 30,000 Hong Kong dollars, and you can sell it at a price of 35,000 after a week, which is commonly known as speculation. ”

Yu Chengwan was stunned and said, "Then why did others buy it at a price of 35,000?" ”

Lin Zhichao said with a smile: "Naturally, the supply exceeds demand!" When the local real estate was developed, the market was always like this, not only the people who really needed to live, but also a large number of people who speculated for a living. ”

Yu Chengwan immediately asked, "Will the house fall?" ”

Lin Zhichao nodded and said, "It will fall, but it will rise again." Therefore, it is very important not to borrow too much money to speculate in real estate. For example, if you are now preparing 100,000 Hong Kong dollars to flip a house, our average Champagne Mansion this time is 30,000 Hong Kong dollars, the down payment is only 20%, and the balance is paid in 2 years. You can choose to buy 10 sets with a down payment of 60,000 Hong Kong dollars, but then you need to pay more than 20,000 Hong Kong dollars per installment to the law firm (12 installments in total), during which you can not provide for it or the profit is satisfied, you can transfer the 'pre-sale' in your hand to others."

At this time, there was no such agency company in Hong Kong that specialized in speculation, and Lin Zhichao just cultivated one.

Yu Chengwan was so frightened when he heard it that he almost retreated.

Li Gaofu patted him on the shoulder and said, "For the rest of your life, rest assured, don't look at who is sitting in front of you, the opportunity that others can't ask for!" ”

Yu Cheng Wan was empowered like thunder, and hurriedly replaced the wine with tea and toasted Lin Zhichao with a glass.

"Lin Sheng's reason for guiding me, it's really my third life luck!"

"You're welcome, we're all friends!"

Lin Zhichao is not just cultivating an agency company, after all, Yu Chengwan's funds are really nothing; More importantly, it is to take care of him.

Of course, he will also be wary of a situation: in his previous life, Airship Tai always said, 'I have not failed others, only others have failed me', and there is a 'white-eyed wolf' in this, that is, Dr. Tang Yuhan; according to Airship Tai, he and Tang Yuhan cooperated in the development of real estate, a piece of land is 1.8 million, only need to pay a deposit of 180,000 yuan, he and Dr. Tang each pay 90,000 Hong Kong dollars, and the next 1.6 million Hong Kong dollars are paid off by Airship Tai, and as a result, a real estate project has earned more than 2 million Hong Kong dollars, and everyone shares the profits equally. After supporting Tang Yuhan in this way and making him a multimillionaire, when they cooperated again in the sixties, the two sides had already had a big conflict.

Therefore, whether Lin Zhichao supports Li Gaofu, Li Shauji, Lin Yunchu, Tang Zhongyuan, etc., or supports the current Yu Chengwan, he only gives support in the early stage of his career, but not in cooperation in business; When these people make money, they will no longer support them, and at most they can only be friends.

Especially the cooperative site business is Lin Zhichao's taboo!

Unless the land is someone else's, Lin Zhichao will consider it.

In the evening, Yu Chengwan returned to the second wife's house, which immediately attracted Wu Bing's enthusiasm, but it was all about flipping houses.

"Boss, what did Lin Sheng say?"

Yu Chengwan said jokingly: "Why are you so enthusiastic? ”

The implication is more or less a meat joke, after all, Lin Zhichao is handsome and capable.

Wu Bing's face was slightly red, and then he raised his voice and said, "Boss, this business is the first one I proposed, otherwise Lin Sheng wouldn't be able to think of bringing you up." Therefore, I will participate in this agency in the future, and it also belongs to my second room. You say, I can't be enthusiastic! ”

Of course, she followed Yu Chengwan as a concubine with her enthusiasm, and in the end, she still fought with the big house in terms of money. Dafang looks at the most profitable rice shops, grocery stores, and pawn shops very closely, and now that she has even sold her farm, how can she not do a good job in the business of flipping houses.

When Yu Cheng heard this, he was also heartbroken for the second lady, and immediately said: "You participate in this business, and I will also give you the second room management in the future, so it's okay!" ”

Wu Bing suddenly became happy, and then asked how to fry the house!

Yu Chengwan did what Lin Zhichao said, which shocked Wu Bing excitedly.

"Doesn't that mean that if a house earns 10,000, 10 sets can earn 100,000! My good man, how many years do I have to raise chickens to earn it back. ”

Yu Chengwan said proudly: "Following these big bosses, even if you drink soup, it is enough for us to make a lot of money!" ”

At this time, he had completely let down his guard, thinking that as long as he followed Lin Zhichao and Li Gaofu closely, it would be very easy to make money in the future!

Moreover, Lin Zhichao gave him a 5% discount for a suite, which was almost 1500; Then after ten sets, he can earn 15,000.

It's a fortune!

As for the follow-up contribution, he can still squeeze some more funds, and if he can't do it, he will sell a few sets in advance.

Ping Shan, New Territories.

The three men were looking at the house in the distance, their expressions full of excitement and fierceness.

"Mouse, are you sure that Yu Chengwan's family lives in that building? He'll be back tonight too? ”

"Brother Jin, that's absolutely right, I've already inquired clearly, General Yu and the second lady live in that building!"

"Phew, you still call him a general! These officials, they have made a fortune themselves, so that the brothers can't eat enough, and today we will rob his mother! ”

The mouse used to be Yu Chengwan's soldier, and he heard that the old chief could make money, so he hit it off with someone and planned to grab a handful. For these old subordinates, everyone is brothers who live and die together, why are you rich now, and everyone is still eating relief food.

Moreover, they also know that after these old warlords and old officials came to Hong Kong, they did not dare to speak out at all, and they were empty in their hearts!

Such people belong to the rich and powerless, the best fat sheep in Hong Kong!

When it was evening, the burly Jin Ge loaded the bullet and motioned for the two accomplices to prepare for action. Three people with three guns can be described as people blocking and killing, and Buddha blocking and killing Buddha.

"Go"

The three of them walked quickly towards the place where Yu Chengwan once lived, and their movements were neat. As soon as he entered the house, he tied up the people inside without saying a word, and under the muzzle of the black hole, Yu Chengwan's cousin's family, who had just moved in, was immediately scared.

"What about Yu Chengwan?"

The cousin understood that these people were here for his cousin, and hurriedly said: "Moved away, are you looking for the wrong person, this is no longer Yu Chengwan's home." There is a debtor who is wronged, and I ask you to let go of the next one. ”

The three robbers were stunned, and Brother Jin even gave the mouse a slap, and said angrily: "What kind of intelligence!" ”

The mouse said aggrievedly: "Who knows how to move away!" After speaking, his eyes lit up and said: "Brother Jin, this family is also rich!" ”

Brother Jin was overjoyed, and hurriedly turned around to threaten his cousin and take out the money! And Yu Chengwan's cousin is also greedy for money, just caring about delaying time and wanting to avoid the pain of property loss.

In this way, after about 40 minutes, the police station in Lianglidi sent people to surround it, because the neighbor noticed something abnormal and went to call the police.

Three bandits and the police had a shootout, the rat died, and the two robbers were thrown away.

Surprisingly, Yu Chengwan's cousin was only seriously injured and did not die.

The next day, but after Yu Chengwan heard the news, he couldn't react for a long time.

"Lin Sheng is my savior!"

Wu Bing even said: "Not only is he a life-saving benefactor, but also a life-saving benefactor of our whole family." Those robbers are specifically targeting you, so if you are kidnapped, you will definitely not survive. As soon as you die, the four of us will be helpless."

At this time, she is really terrible to think about, because as soon as her husband dies, she will not be able to compete for the big house, and that day will be sad.

Yu Chengwan nodded and said, "I must keep this kindness in my heart." ”

Of course, he can only keep it in mind, and now he is still relying on Lin Zhichao to carry him!

In fact, Yu Chengwan also knew that Lin Zhichao really liked to listen to those stories, so in order to befriend Lin Zhichao, he always told the things of the previous Anti-Japanese War with added fuel and vinegar, so as to win Lin Zhichao's favor.

He doesn't miss the things of the past now, and wants to live a rich life. (End of chapter)