It's been 18 years in a blink of an eye, but this year has not been too stable.

In January, Indonesia's financial markets were in turmoil again.

This time is different from the previous ones, because Indonesia has problems in its bones, or Indonesia has actually reached the point of being terminally ill.

So even with the help of the International Monetary Fund, it is a pity that the plan did not have the desired effect.

As a result, Indonesia has experienced its worst recession in history.

And as a result of Indonesia's collapse, almost all of Asia has been implicated.

Whether it's neon, Peninsula, Singapore, Malaysia, the Philippines, the currencies of various countries have once again dived.

And at this time, the big crocodile finally began to shoot towards Hong Kong Island.

However, Yang Tian understands that this time the big crocodile is still mainly tentative.

After all, last time, those international speculators were on Hong Kong Island, but they didn't get much cheap.

So in the face of the big crocodile's tentative attack, Yang Tian did not act rashly, but focused on letting Uncle Xiang sweep the tail in other countries.

After all, eating the meat in your mouth first is the last word.

However, Yang Tian was calm here, but some people couldn't sit still.

Landlords will be eager to take a ride on this wave, but most of them have stocks in their hands.

Seeing that since January, in just a few months, the Hang Seng Index has fallen all the way from around 10,000 points again, and the 7,000-point defense battle has come to hand.

Maybe they never dreamed that this time the big crocodile attacked Hong Kong Island, and it actually used a completely different routine than before.

Before, whether it was Thailand, Indonesia, or even the peninsula and neon, the big crocodile was straight to the point, aiming at the national currency is a fierce chase.

This style of play has been proven in several actual battles, and it is quite practical, simple, efficient and fast!

So at the beginning, everyone's eyes were firmly focused on the exchange rate of Hong Kong paper, and other aspects were relaxed.

But who knew that this time the big crocodile suddenly changed its playing style against Hong Kong Island, and came to a bright plank road, and a dark Chen Cang.

On the surface, it is to make trouble in the foreign exchange market, but secretly, it has dealt a blow to the Hong Kong Island stock market and futures market.

Moreover, because the Hong Kong Island government tried to maintain the exchange rate of Hong Kong paper, the high interest rate pressure was all passed on to the bank, stock market, property market, futures and other markets.

So this time, the landlords' association didn't even react, and all the stocks in their hands were trapped.

At this time, there are actually only two paths in front of them.

One is to lie flat completely, and the stock can fall as much as you like.

As long as it is not delisted, no matter how low the price falls, if you hold it firmly in your hand, it will not be considered a leek.

As a group of people in Hong Kong's financial market, it is of course impossible for the landlords to accept this reality.

And if you want to turn a profit in this situation, there is only one last way left.

That is, to immediately liquidate the stocks in his hand and cash out, and then take advantage of the shareholder wind of the big crocodile to start shorting.

But at this time, they have been deeply trapped.

At this time, all the positions are cleared, but they have to bear huge losses.

Even if you can catch up with the big crocodile and drink soup in the end, it is estimated that it will be difficult to fill this gap.

Therefore, if the landlord wants to make more money at this time, he must have a lot of new money.

And obviously, even their group of financial tycoons have lost money, and the big financiers behind them in the past will only lose even worse.

At this time, if you want to have new capital inflows, you can only find another way.

The economic situation is tough, and it is not easy to borrow money.

First of all, banks can be excluded, and at this time the banks are not having a good time.

The after-effects of high interest rates are already being highlighted at this time.

At this time, all banks are tightening their belts to live, and when the scenery was infinite before, it is simply a heaven and an underground.

Hong Kong Island's largest investment bank bore the brunt of the attack, and was completely crushed under the first wave of the crocodile's tentative offensive.

January was not even over, and bankruptcy liquidation was declared.

At this time, there was only one choice left in front of the landlord's meeting, and that was to borrow money from Yang Tian.

After all, Yang Tian had a large amount of cash in his hand, and they knew it.

And Yang Tian also said that the money was used for lending.

So at this time, Luo Minsheng was entrusted by the members of the landlords' association with his uncle and found Yang Tian again.

And after listening to Luo Minsheng's appeal, although all this was expected by Yang Tian, he still shook his head decisively.

"Manager Luo, it's not that I don't lend it to you, but every line has its own rules.

Although you have a good picture of the future, and I have seen the strength of the big crocodile.

But lending you money with just a few words is really not in line with the rules of our industry. ”

Yang Tian really didn't expect that the landlord would draw a big cake and actually painted it on his head.

I thought that if I promised a high interest, I would be able to borrow money from myself.

However, I have to say that the landlord's rhetoric is still very tempting.

After all, they do have a certain strength and reputation in the financial field.

If Yang Tian didn't know the final direction of this battle of the century, maybe he would have been fooled by them.

Speaking of which, Yang Tian himself couldn't help laughing: "And if I want to play, won't I enter the game by myself?"

Manager Luo, have you forgotten how I earned all this money? ”

was broken by Yang Tian, Luo Minsheng was not embarrassed, but nodded very seriously and said:

"Indeed, Mr. Yang, it's a pity that you don't enter the market, after all, your information is indeed well-informed enough, and your judgment is accurate enough."

"Opportunity and risk go hand in hand, and there is a saying in casinos that no one's luck will always be good.

So now that you've made money, it's best to stop as soon as possible, right? ”

Luo Minsheng nodded again, and did not forget to compliment in his mouth:

"It seems that Mr. Yang can succeed, this is no accident!

Everyone understands the truth, but self-control like Mr. Yang is not something that ordinary people can have. ”

As he spoke, he took out a document from his briefcase and handed it to Yang Tian.

"Since Mr. Yang doesn't want to enter the market, can I ask you to help me see, if you use these as collateral, how much money can you borrow from Mr. Yang?"

Yang Tian took the folder and opened it, only to find that it was densely packed with a list of some real estate.

At a cursory glance, there are only two half-developed properties.

There are countless real estate shops of all kinds.

And Yang Tian's most anticipated land and shares of real estate companies are also impressively listed.

Of course, this is also expected, the stock market and the property market have been hit hard, and if you want to say who has been hurt the most, it must be the real estate development company, which can be said to have been hit twice as badly.

Therefore, the shares of real estate companies can really be described as cabbage prices at this time.

It is estimated that the landlord will look at this stock price, and he has no idea of cashing out, so he wants to simply mortgage it to Yang Tian.

In addition to the real estate company, Yang Tian also noticed that the number of plots in the document was much more than he expected.

Not only in the New Territories, but also in Saigon, there is also a lot of land.

This made him curious: "So much land? I didn't expect you to be a big landlord, Manager Luo! ”

Luo Minsheng smiled when he heard this: "How can I have that life!" These are all things that customers have asked me to help me inquire.

I don't know how much Mr. Yang thinks he can borrow from these collaterals? ”

Hearing Luo Minsheng ask this question again, Yang Tian also laughed, and after closing the folder, he said with a straight look:

"I believe Manager Luo, you also know that when it comes to mortgages, the amount of loans is very different according to different collaterals.

Just like stocks, you have to pledge to a securities company and then get funds from a commercial bank.

Even if we find a bank to cooperate, the procedures are very complicated, and the pledge ratio is not too high.

As for houses and land, the market is generally 5 to 60%.

However, considering the current economic situation on Hong Kong Island, I can only give 10% on my side. ”

"Ichisei?"

Luo Minsheng was stunned by Yang Tian's answer. After all, the mortgage of 10,000 yuan is only given to the loan of 1,000, which is indeed a bit unacceptable.

However, Yang Tian still nodded and explained to Luo Minsheng: "Manager Luo doesn't know, in our industry, Yicheng is definitely a conscience price."

You can ask, I didn't lie to you about this.

Although we are all borrowing money, we are not a bank after all, and we are not as confident as a bank. ”

"But two to one is too low, isn't it? You must know that banks lend at least 50% of the money. ”

Of course, Yang Tian knew how outrageous Yicheng was. However, at this special time, it is not easy for the landlord to get cash.

The major banks themselves are almost unable to open the pot, just like Li Yang, who just met a few days ago, feels several years older at once.

I used to look at it, I didn't know, and some people might believe him if he was Li Xin'er's eldest brother.

But Yang Tian said goodbye to him when he had a party a few days ago, those gray temples, where is Li Xin'er's father, and he can already be her grandfather.

However, seeing Luo Minsheng's tangled look, Yang Tian also knew that he was an errand runner, and immediately explained:

"Yicheng is actually a lot, you look at these things, either stocks or real estate, or real estate-linked land, the most excessive is that even stocks are real estate stocks.

Have you read today's news, housing prices are falling again and again, like a bottomless pit, and there is no stabilization at all.

You and I both know in our hearts that this time the big crocodile is not good.

No one knows what these will fall into in the future.

I can lend you 10% of the current market price, which is already a big risk.

And don't just look at my low loan ratio! You and I are so familiar, the interest you give must be the lowest.

Now the interest rate of such a loan, others are generally fifteen to twenty points, I charge you ten points enough for friends, right?

You must know that now the bank charges seven points, and it may not be able to lend you money!

You have to know that there are still tens of thousands of mouths waiting to eat under me, and you can't make it too difficult for me, can you? ”

Yang Tian deliberately mentioned his community background, which made Luo Minsheng immediately realize that he was not negotiating business with ordinary businessmen.

But he didn't know much about the rules on the rivers and lakes, so he could only sigh slightly: "If it's a good word, I really can't be the master, can you let me go back and discuss it with them?" ”

Yang Tian smiled generously and nodded, "Such a big deal should indeed be discussed."

But you'd better be quick.

After all, the market is now such an environment, today's one percent, and tomorrow's one percent, are two completely different price codes.

Moreover, with so many assets, it is also a very cumbersome matter to check, and if you delay your major affairs, it will be a great sin. ”

Yang Tian only gave one percent, which was also the result of his careful calculations.

As he and Lo said, Hong Kong Island's housing prices have begun to fall, and the momentum is unstoppable.

According to the reports he had read in his previous life, this downward trend would continue until the end of the year, when it would level off.

Although it is only half a year before the end of the year, don't underestimate this half year.

By the end of the year, housing prices on Hong Kong Island had fallen to almost one-third of their highest point. Even from now on, housing prices will fall by nearly 30%.

If you calculate it this way, the one percent he gave is actually equivalent to about thirty percent of the lowest price at the end of the year.

Of course, this is still a lot lower than the 50% usually given by the bank.

But now there is a kind of pessimism permeating the whole Hong Kong Island, and no one knows when this economic crisis will be the end.

Moreover, Indonesia's experience is still close at hand, and many people are actually pessimistic about whether Hong Kong Island can survive this turmoil.

As a senior practitioner of the landlords' association, they have now estimated that Hong Kong Island has lost this time.

After all, at this time, I came to borrow money from myself, it can't be to use money to save the market, right?

So when others can't see where the bottom of the house price is, Yang Tian's one percent, although it sounds a bit outrageous, but in fact, it is not unacceptable.

And from the perspective of the landlords' association, they think they can win in the end.

What is mortgaged to me now is still theirs in the end, and I just keep it for them for a period of time and earn some storage fees.

In addition, the interest charged by myself is very low, so it can be said that my storage fee is not high.

Therefore, Yang Tian is sure that after Luo Minsheng goes back, the landlord will definitely accept the price he gave.

As long as the landlord will sign an agreement with him, then the first piece of the puzzle of his future real estate industry will be there.

Thinking of this, Yang Tian really couldn't hold back, and picked up the list left by Luo Minsheng and looked at it.

(End of chapter)