Zhao Dafu always felt that something was going to happen!

Especially in the real estate industry, because the bank has given too much money in recent years.

As much as Zhao Dafu, there was some panic.

It's not that he doesn't want to.

But don't fail.

If you don't want it this time, there will be no quota next time, do you want it?

If you don't spend money, no one will spend it on you next time.

So almost every time, Zhao Dafu has to spend the bank's money, and the free money is spent, which is really smooth, and he goes out with a thought of 100 million yuan, is it cool?

Of course it's refreshing.

But there is a very big drawback to this situation.

That is, the debts will increase, and people's greed will be amplified disorderly and cannot be accommodated.

Originally, 10 billion yuan of the bank was used to buy land, 4 billion users were collected, and another 1 billion yuan could be used to build a complete community, which is a closed loop.

It also means that in this closed loop, if the real estate developer deals with it so decently, it will still make a net profit of 2 billion, of course, this is an example, and the amount is not compared with reality.

Then a quarter of the money was returned to the bank, a quarter of the money was used for construction, and the real estate company also made 2 billion yuan, and everyone was happy.

Although the user's money has been harvested, and the user has a mortgage with an annualized rate of 6, and it will be 30 years since it was repaid, at least this relationship is still normal, and there is nothing wrong with the sales contract.

But real estate developers don't do that.

Just bought a piece of land, and as a result, it received 40 billion users, which came too quickly, and the most important thing is that no one cares.

The bank's 1000000000000000000000000000000000000000000000000000000000000000

It's too much money, what should I do?

Then in the follow-up, the real estate industry will use 4 billion yuan to buy four plots of land or even more plots in other places.

Don't ask why there is no cap, if it is not repaired, the bank will give money to the property, because in a series of money relationships, all roads are smooth.

Well, the money to repair the house in the first neighborhood is gone.

Because the landlord used all the remaining money to buy the plot.

Then the next four plots of land received more than 10 billion users, and the real estate became bigger and bigger, continued to sell plots, engaged in investment, and soon played itself into a scale of 10 billion, 100 billion, or even approaching the scale of trillions, and went directly to the market.

In short, the money that is really spent on building real estate is almost pitiful.

Then, in the case of the whole country blooming, when applying the three wallets of hundreds of thousands, millions of people, to play tens of billions and hundreds of billions.

The delivery date is coming soon.

You need money to build a house, but you don't need money for real estate.

The borrowed money has also arrived, and it's time to pay it back.

But they all sold their land and made investments. Where did the money come from?

In desperation, the real estate developer had to go to the bank.

But at this time, the bank, which has grasped the lifeblood of real estate, suddenly tightened and did not lend.

The bank says you still owe us money, and you want to ask us for money?

So when he didn't give a penny, he was still asking the real estate developer for money.

Such a situation is undoubtedly a devastating blow to real estate developers!

Because real estate not only has bank loans, but also many local capital arrears, construction company arrears, housing arrears of the majority of buyers, and so on......

A butt of debts is waiting to be repaid, and the bank can only let it be handled.

So in the follow-up, unfinished buildings appeared, real estate companies began to go bankrupt, and suddenly they couldn't play.

In the past two years, there have been such real estate developers going out of business......

It is precisely because of this that Zhao Dafu feels that he is too radical?

Because what he plays, it's also this mode.

Almost all real estate developers play this model, and there are no exceptions at all.

Nationwide scraping of surplus value, but without any liquid funds.

The more you play, the more dangerous it becomes!

The kind that dances on the tip of a knife.

Therefore, Zhao Dafu reflected on his debts, as well as the scale of some arrears in various places, the properties that have not yet been built, and so on......

And then—

Zhao Dafu took a deep breath!

He felt like he needed to be steady.

You can't buy land without restraint.

Otherwise, sooner or later something will happen.

Because once the bank doesn't give money, they are just fish that have been scraped clean and can only be slaughtered.

He also thinks about one thing, that is, the bank will not refuse to give money, right?

It shouldn't be, he is now the boss of 100 billion real estate.

Those who have fallen in recent years are only billions, and the largest is just more than 10 billion.

Thinking of this, Zhao Dafu also breathed a sigh of relief.

It's a pity that no one can predict the future.

Zhao Dafu is even less likely to predict the future.

It's just that his always cautious thoughts have made him have some worries and introspections about this model, and it is impossible to change his usual strategy.

If Su Yu knew that Zhao Dafu was worried, he would definitely think of the fate of private real estate enterprises in a few years, in short, it was indeed miserable.

That was a few years later.

At least for the last two or three years, nothing will happen.

Now Zhao Dafu is in full swing and very glamorous.

This year's house, you need to grab it.

How so?

In fact, this is also a deformed microcosm of the development of the times.

And when it came to the corresponding time period, in fact, Su Yu was indeed ready to remind Zhao Dafu.

Of course, that's all for later......

Subsequently, Su Yu and Zhao Dafu played for a long time, and had a meal outside, with Liu Jianfeng and Xu Fuqiang's two boys, as well as some other second-generation people that Zhao Dafu newly knew.

Everyone pushed the cup and changed the lamp, saying nonsense that Gou Fugui would not forget each other, and the atmosphere was harmonious as a whole.

If it was said that at the beginning, their respect for Su Yu was because Zhao Dafu was brainless and Su Yu.

So now, Su Yu's development also makes them have to admire.

During the whole process, Su Yu was also relatively modest, he never felt how awesome he was, and he alienated himself from these people.

After eating, Su Yu went to the Institute of Biological Sciences to pick up the buns.

For the next few days, life went on.

As the exam gradually comes to an end......

Regarding the vacation time of the first half of the sophomore year, it is naturally infinitely approaching.

Their exact holiday date was on February 4, 2015.

Of course, strictly speaking, Su Yu and his third class ended the exam as early as February 1.

This means that you will be able to go home in early February.

Wang Hao and Zhou Qiang's two boys also took a holiday.

As for Lin Xiaoxiao, the last exam was on February 2.

So Su Yu told the two boys that he would go back a few days later.

Wang Hao naturally had no opinion, he came out early and stayed at Zhou Qiang's house, and at the same time called Lao Zhang, who had already finished the exam.

Lao Zhang was a little dismissive at first,

But later, Wang Hao promised to take him to gold.

Lao Zhang is still here.

Zhang Mubai belongs to the kind of person who deserves to have no friends.

I didn't have friends in junior high school, I didn't have friends in high school, and after I went to college, I still didn't have friends.

Even his roommates can't get along.

Everyone thinks this kid is too hypocritical, and he is a.

So what to do in the follow-up, I don't take Zhang Mubai with me.

Zhang Mubai can be regarded as seeing it clearly.

Except for Wang Hao and Zhou Qiang, no one wants to be friends with him.

So every time, even if Zhou Qiang was joking, Zhang Mubai ran over.

Zhou Qiang doesn't care, looking at Zhang Mubai, who was obediently scolded by Wang Hao playing games, he just thinks this scene is very interesting.

……

At the beginning of February,

Su Yu went to Zhang's house.

Of course, before going, Su Yu still bought some braised pig's trotters, which is also Zhang Tiancheng's favorite food, and Su Yu naturally remembers it.