Fang Bai returned to the mall and called Ye Fan back.

Ye Fan asked Fang Bai if he was here in the mall and wanted to meet and chat.

"What's the matter, it's mysterious."

Fang Bai waited for about ten minutes, and President Ye arrived and asked him to come to the office.

At this time, there were just the two of them in the office, plus ashlar, and there were no outsiders.

"Mr. Fang, Boss Fang, it's like this, I see that you have been busy in the past two days, and you have no time to talk about loans.

In the past two days, after I told the head office in Wencheng about the situation of Xinghai Company and applied for it, the credit line of Xinghai Company could be increased to 20 million yuan.

If the expansion of Xinghai Shopping Mall is put into use and the operation is good, the loan amount can continue to be increased. Ye Fan said with a smile, while observing Fang Bai, who could make up his mind.

Xinghai Company has more than 10 million cash deposits in their branches, which has not been touched yet, and it is estimated that it will soon be used to invest in Xinghai Plaza.

After the lottery, Xinghai Square is known throughout the city, and the land bought by Xinghai Company has appreciated, if Xinghai Square is completed, there is no need to publicize it, Wencheng people know that this comprehensive shopping mall has a bright future.

In addition, the business of Xinghai Shopping Mall is getting better and better, with an estimated monthly revenue of 2 million yuan, a profit of no less than 500,000 yuan, and a few million yuan of interest a year is not a problem.

In addition, Xinghai Company takes the initiative to pay taxes, has integrity, has a good relationship with the county, and has a good background relationship.

Therefore, after investigation, investigation and analysis, the head office agreed to increase the credit loan of Xinghai Company to 20 million yuan, and the loan interest can also be preferential.

Fang Bai touched Governor Ye and unceremoniously used probes on him, quickly figuring out the reason why the company was able to increase the quota.

Of course he needs a loan, and if he has money, he can enclose more land.

After a pause, he frowned: "We are not short of cash at the moment, and the interest on your loan is too high." ”

Ye Fan persuaded him: "That's the case, after the year, all banks have adjusted the benchmark interest rate, the current two-year fixed deposit is lower than before, your credit line is relatively high, if the loan is less than five million, the annual interest for two years is only 14.15%, but if the loan amount is 20 million, after all, the risk is greater, and you can only give a discount of 14.3%. ”

Through Ye Fan's information, Fang Bai knew that the bank had adjusted the benchmark interest rate again.

At the beginning of the year, he borrowed $2 million at an annual interest rate of 15.8% for two years.

It's only been a month in the past, and it's dropped by two points, and the fluctuation is really big, if it were a later generation, it would definitely not have adjusted so much.

Over the next two to three years, bank benchmark interest rates will fluctuate wildly.

If it is a loan interest of 14.3%, in this era, Fang Bai is acceptable.

"Yes, I'll discuss with my parents first, how much money is needed, and I'll give you an answer tomorrow." Fang Bai thought for a moment.

Xinghai Company needs a bank loan, but it is not convenient to say on the phone.

Ye Fan smiled and said, "Okay, then I won't bother much, call me if I have something, and I will personally bring someone to handle it." ”

In the past, people came to ask for loans, but now he has to come to the door, this can't be done, who calls people super big customers, and this is the only one in the whole Wencheng.

After President Ye left, Fang Shi spoke to his son: "Son, do we still need a loan?" ”

Fang Bai had a plan and said: "Of course I need to, the investment funds at the disposal of the family are about fifteen million yuan.

I plan to build the first phase of the shopping mall, covering an area of 5,000 square meters, build a basement and cover five floors, with a total construction area of about 28,000 square meters, and the total cost of the main construction including decoration and shelves will be about 22 million yuan, and we will have to give a budget of 25 million yuan, and our family's funds are only enough for the initial investment.

In case the situation changes, the loan can not be approved, the loan can not be approved, there are a lot of things that change the loan, I would rather pay more interest.

Now that it is good to take out loans at the beginning of the year, all banks have loan tasks, and it will be difficult to get loans at the end of the year.

The money earned by our shopping malls should be kept for backup, and not all of them should be smashed into the investment that has not yet made money, and many bosses have closed down because of the problem of capital circulation, and we must learn from the lessons of others, and we cannot follow the old path of others.

After the first phase is completed, it is estimated that it will take a year.

If we build our own brand store, it is estimated that we will need 30 to 50 million yuan.

However, I don't think we can play so many brand stores, and we need to attract some merchants to settle in, and we don't need so much capital.

But if we want to build a comprehensive supermarket, it will cost 5 million yuan at least, but that will be a year later. ”

The first phase covers an area of 5,000 square meters with only one basement, which is mainly used as a supermarket.

The remaining more than 30,000 square meters of land area will be built after the money is available, and then the underground two-story parking garage will be built.

In the first phase of construction, when laying the foundation, it is necessary to take into account the foundation of the remaining 35,000 square meters in the future, and it is more troublesome to connect, and the best way is of course to build it at one time.

However, if you want to build Xinghai Square, which covers an area of 40,000 square meters, you don't have so much money, and the total investment is not 200 million.

Even if the bank dared to lend 200 million yuan to Fang Bai, Fang Bai would not dare to use the money to invest in Xinghai Square, and he would suddenly spread the stall too big to play, and the interest would be 20 million or 30 million yuan a year alone.

Now Fang Bai only wants to make the best money in this era, such as opening supermarkets and household appliance stores, and doing whatever is easy to make money first.

After listening to his son's words, Fang Shi probably understood, and asked, "Then how much do we have to borrow?" When to take out a loan? ”

"Recently, we took out a loan of 20 million yuan, plus the 15 million yuan at our disposal, except for the 20 million or 30 million yuan investment in the shopping mall, there are only a few million yuan left.

I also want to borrow an additional 20 million yuan to buy land, buy all the vacant land in the vicinity and hoard it, and then build a residential building and sell it in a few years, or sell the land. Fang Bai had this idea for a long time, but he hadn't opened up the relationship with the county at that time.

At present, the commercial land covering an area of 40,000 square meters has to be built in accordance with the agreement between the two parties, and there is a time limit, and they do not invest in the construction, and they have to return the land when the time comes, and only get the original 2 million yuan of land payment.

If he wants to hoard residential land, the land price will be much higher, and the situation is different.

Of course, it depends on whether the county sells it or not, and there is planned land every year.

Although there was an agreement before, Xinghai Company gave priority to the purchase of land near Xinghai Square, but it had to be sold in the county.

When he was free, Fang Bai went to ask the county leaders what the situation was.

There are many residential buildings near the mall, and for Xinghai Plaza, the residents in this vicinity are their long-term customers.

Fang Bai also has an idea, as long as he has enough land in the surrounding area, such as the original value of one billion.

But as long as the Oubei Wharf Bridge is opened, it will immediately rise to more than 1.5 billion, and Xinghai Square will be more valuable, more than doubled.

If ZF is unwilling to build a bridge, then he will invest in donating the bridge, it does not need to be so long, it is enough to invest tens of millions of yuan, and the height limit is to walk, and it is best to only pass cars and pedestrians, not large cars.

The money from these land increases, and the money for donating the bridge is nothing.

But if the land is hoarded too little, no boss will be willing to donate the bridge, and who will do the loss.

Fang Bai's plan is very shrewd, no investor has done this in his previous life, mainly because he hasn't counted this step.

Of course, it would be great if Wencheng ZF was willing to build a bridge at Oubei Wharf, but Fang Bai felt that it was a little difficult, and the Dongou Bridge was built according to the historical trajectory, because it could connect the islands in the lake and save a bridge.

Now, Fang Bai has laid out a big net, he took out a blank piece of paper to draw it, and directly told his father to buy a nearby slope, hoard the land first, and don't expose the ultimate goal to the outside world.

No one would have thought that ZF would not build a bridge and donate the bridge by himself, and it is estimated that the local ZF leaders would wake up with a smile when they slept.

Such a crazy idea, who would have thought of it, after all, the cost of building a bridge is not a few million yuan, just these six or seven hundred meters of cross-river bridge, no matter how much money you save, you have to smash tens of millions of yuan.

Fang Bai has to review and go to college, and these things are mainly handed over to his father, and more than a year is enough for him to be familiar with.

In the past six months, Fang Bai has continuously instilled business concepts in his parents, coupled with hands-on guidance and practical operations, Fang Bai's parents have learned to run a farm.

There is still nearly half a year, Fang Bai feels that his father can already handle some business matters independently, and it is too difficult to do, so Fang Bai will help.

After Fang Bai went to university, he didn't have time to manage Wencheng's business, and his focus shifted to Shencheng, mainly science and technology enterprises.

After listening to his son's plan, Fang Shi was a little surprised and said: "Son, your idea is a little crazy, but it seems to make sense, the land in the city center on the other side of the dock is so expensive, just across the river, the price is many times worse." ”

"I guess, now everyone is short of houses to live, the average price of Wendy Jinyuan in the urban area just completed last year is 1,500 yuan, and it sells very well, and the real estate companies will squeeze into it when they see that there is money to be made, and now there are a large number of signs of building residential buildings, and the land is naturally rising.

In another two or three years, it will rise even higher. Fang Bai didn't tell his father about flipping houses, and asked his father to hoard land as much as possible in the past few years, and then build it after 1995.

Not to mention anything else, if Xinghai Square is built and fired, the surrounding land prices will also rise rapidly.

After a year, there will definitely be investors who will realize this and go and go and hoard land.

So, to stock up on land, preferably this year.

Moreover, in the next few years, no matter what the price of the surrounding land, as long as it is not outrageous, try to buy it.

Before 2000, it was more cost-effective to enclose land in Wencheng than in Beijing, Shanghai and Guangzhou, and the operation cycle was short, and it was completely abandoned before 2003 to change to first-tier cities.

Fang Shi asked: "How much land do you have to circle to make up for the difference in the price of the bridge?" It's not cheap to build bridges, right? ”

Fang Bailuo thought about it: "The bridge does not need to be too long, about one kilometer, it is planned to be built in 1998, opened to traffic in one or two years, and the cost is estimated to be 50 million yuan to 100 million, which can be named Xinghai Bridge;

We only calculate the difference in the price of residential land, and the guarantee rises to 80% of the price in the urban area, which requires a land worth 200 million, and if you build a house and sell it, tens of millions of land will be enough to make the difference from the house price.

Now the land is cheap, and it is enough to hoard only two hundred acres. ”

Fang Bai has already said too conservatively, according to the housing prices in Wencheng in 2003, the cost of residential land per mu in the urban area is at least 3 million, and more than 5 million yuan.

If it was in 2000, before the house was speculated, the cost of residential land per mu in the urban area was estimated to be about 1.5 million, and the land price near the Oubei Wharf was only one-third of that in the urban area.

If the bridge is opened, the land price and housing price of Oubei Wharf will rise to 80%-90% of the city center, but if it is close to Xinghai Square, the land price will definitely exceed the urban area.

In later generations, the housing prices around Wanda Plaza were more than 20% higher than those in other areas, and even as high as 50%.

Nowadays, the land price is cheap, and the land in Fangbai Shopping Mall is 33,000 yuan per mu, with mandatory time-limited planning, so there is a preferential price.

If it is residential land, no matter how expensive it is, it will not exceed 70,000 yuan per mu at present.

If you build a house by your own company and hoard more than 100 acres of residential land to build a bridge and then develop it, it will be enough to make up for the cost of building a bridge.

Of course, the more land you hoard now, the more you will earn in the future.

Even if there is no bridge, the land will rise rapidly after two years, at least five times, Fang Bai will also make a lot of money, and it won't take him much time, just draw a circle, and leave the rest to his father to be responsible.

Before investing in the construction of the mall, he planned to talk to Lu Dahai and acquire his engineering team.

Giving the money for the project to others, Fang Bai might as well invest in an engineering team by himself, even if he doesn't want to engage in real estate construction, there are still a lot of projects to do.

If the other party is unwilling, Fang Bai will find another engineering team to invest, and there will always be someone who is willing.

(End of chapter)