Return to 88: Starting from Marrying My Sister-in-law

"Yes, 5 million, only million, and now we still need million."

"So I'm going to confront my mother later. She's now managing the company for the old man. She's been getting dividends and rent over the years. I know she's saved a lot of money privately."

"But my mom's money alone isn't enough."

"I still have to find my younger sister. She holds 10% of the shares of the Qian family business. This is the gift from the old man when she turned 18. The dividends alone are at least several million every year. If my younger sister is willing to mortgage these shares to the bank, she should be able to borrow million."

"And then add the money my mother has saved over the years."

"And the year-end dividends my sister has received from the Qian family over the years."

"Together, I believe it should be no problem to collect 200 million."

Lu Yang was secretly amazed after hearing this.

It turns out that the rich woman is right next to him. The girl from the Qian family will probably inherit a great business empire when the old man of the Qian family passes away in a few years.

only……

"Are you sure?"

Lu Yang said into the phone.

The voice on the other end paused.

Obviously Xiao Jun was also thinking about this issue.

The above two people, one is his biological mother and the other is his biological sister. His mother has said before that her inheritance will be left to him in the future, because his younger sister has her father and does not need to inherit her inheritance.

but……

"Mom is still very young, just over 50 years old. The old man is not in charge of things now, and has handed over all the Qian family businesses to her. It is the time for her to make progress. If at this time, all the family assets she has accumulated over the years are given to me, what will the old man think?
Would mom agree?
And my younger sister, it is true that she respects me very much, but this amount of money is not a small sum, especially since I need to use her shares in the Qian family as collateral to the bank.

Will my little sister be willing?
No, even if my younger sister and mom are both willing, they can't hide it from the old man.

What would the old man think?
Humph, you might think I'm a hopeless case, right? "

He clasped his head vigorously with both hands.

The hair was tangled into a mess.

Xiao Jun said bitterly: "I have an idea. Don't worry, my mother and my younger sister will support me. Well, the old man won't object either."

This is the only card he can still play.

And it’s worth two hundred million.

Only these houses in Hailan are left facing a doomed crash.

But don't underestimate these houses.

As long as we can pass this hurdle, we can keep these houses and prevent them from being seized by the bank.

Even if the housing prices are cut in half, and then cut in half again, falling to only 1/3, but using them as collateral to borrow only million, there should be no one who would refuse, right?

The old man is a wise man.

That's right, he planned to use the houses in his hands to gain the support and help of his family, so that his mother and younger sister would not help in vain and he could also shut the old man up.

But this carries a higher risk.

If he cannot pay back the 200 million, even if he has to borrow from one place to pay back another and barely get through this difficult time, once he cannot pay back the money, these houses will not be his, but will belong to the Qian family.

"Like This."

Lu Yang nodded slightly.

He had no interest in how Xiao Jun would convince his mother and younger sister, and prevent his stepfather from objecting to his wife and daughter lending such a large sum of money to his "son".

"What about the last 100 million?"

"I still have a house in Pengcheng, two villas, and several cars. I should be able to recover a lot of funds after the disposal. In the end, if there is not enough, I would like to ask Brother Lu to do me another favor. Can you give me the first quarter dividend of Xiao Shentong in advance?"

The Little Prodigy learning machine has become popular all over the country, with a total of 115 million sets sold in the first quarter.

As one of the shareholders, Xiao Jun knows it best.

If you can get this dividend in advance,

Together with the funds raised from selling houses, cars, and some luxury goods, this final hole should be barely plugged.

Unfortunately, Lu Yang was ready to refuse, "Dividends in the first quarter, isn't that a bad idea?"

Xiao Jun on the phone was also anxious, "Brother, this is just the first time, there won't be a next time. I know this is against the rules..."

Lu Yang interrupted him and said, "Don't talk yet. Let me do the math for you. Our Little Prodigy learning machines sold very well in the first quarter. You've seen the financial statements. 115.76 million units were sold. The amount of funds recovered alone exceeded 150 million. But there's still the cost. You probably forgot that we purchased more than 50 million chips in the first quarter. We estimate that we will have to reserve at least 2 chips next month. The total of these two sums exceeds 7000 million. We also have to take into account other material costs and promotion fees. The rest must be left on the company's books to pay the wages of 3000 workers in the workshop for one or two months. Do the math. Do you think it's appropriate for us to talk about dividends at this time?"

To sum it up in one sentence, the Little Prodigy Learning Machine has made money, but the money earned needs to be invested in production.

As soon as Lu Yang finished speaking, Xiao Jun felt a chill in his heart.

It took him a moment to react.

I was really overthinking it. I only saw that the Little Prodigy Learning Machine was selling like hot cakes, but I didn't realize that the more popular it sold, the more funds needed to be reserved for production, expansion of scale, and seizing the market.

Unless you kill the goose that lays the eggs.

But he couldn't do such a stupid thing, not to mention that he couldn't do it himself. Even if he wanted to do it, he needed the consent of other shareholders, especially the real major shareholder of the company, the little prodigy on the other end of the phone.

“But there is no such dividend.”

"what should I do?"

"Sold the shares of the little prodigy?"

No, I would have to be crazy to sell a golden goose that is clearly laying eggs."

Sure enough, there is still a difference between Xiao Shentong Company and Wanyan Company in Xiao Jun's mind.

In order to raise money, Xiao Jun could sell shares in Wanyan Company, but when the time came and he needed to sell shares in Xiao Shentong Company, he hesitated.

Opposite the phone.

Lu Yang saw that he didn't speak for a long time.

After thinking for a while, he said, "Well, don't worry, go and raise money first. Once you have raised enough money, if it is really as you said, and you only need the last few tens of millions to fill the hole, then I will lend you the tens of millions, brother."

Lu Yang doesn't have much liquid capital on hand now, but he still has enough to take out tens of millions.

At the end of last year alone, Vacuum Electronics' shares had recovered somewhat. Lu Yang sold the last batch of Vacuum Electronics shares in his hands. It is no exaggeration to say that he recovered nearly 200 million yuan in cash.

Lu Yang transferred part of the 200 million in cash to his own personal account, and the bulk of it was transferred to the group company to speed up the project progress of the group headquarters building.

All in all, Lu Yang has invested 7 million yuan in this skyscraper.

At least until the end of this year, this money-eating project will no longer be short of money.

In Lu Yang's opinion, Xiao Jun was a good man and he got along well with him. He was a rare ally in the business world. If he could save him, he would do so. If he really couldn't save him, then there was nothing he could do.

Agreeing to borrow these tens of millions of dollars was done because they were all friends, and the other party also had a way out. The other party owned a full 15% stake in the electronics factory of Xiao Shentong. The dividends at the end of this year alone would be more than enough to repay the funds that Lu Yang borrowed.

The prerequisite is that all the other party’s calculations just now can succeed, and it is really only a matter of tens of millions to fill the hole.

"Really?"

"Great."

"Hahahaha, I knew you were a good brother. Okay, with what you said, I'm very motivated. It's just a mortgage of several thousand houses. I can afford it. As long as I pass this hurdle, my future will be bright."

At this moment, Xiao Jun was sitting in the back seat of the car, waving his fist and talking into the phone in his hand. It was unclear whether he was cheering Lu Yang up or himself up.

"Okay, every failure is a lesson for you. Don't take risks like this again. Go raise the money now."

Lu Yang hung up the phone.

"Dudu...dudu..."

Looking at the phone in his hand and listening to the beeping sound in his ears, the smile on Xiao Jun's face began to gradually disappear.

"Oh shit!"

"I've lost a lot this time."

"Even if we can get through this and keep our assets, I'm afraid that the 300 million yuan we earned before will all be lost, and it still won't be enough. We can only hope that this real estate winter will pass sooner, otherwise, in this current situation, the real estate certificate will be nothing but a blank piece of paper."

Xiao Jun cursed and then looked dejected. He picked up a newspaper on the seat next to him and studied it carefully word by word.

[Terminate the listing of real estate companies! ]

[Strictly control bank funds entering the real estate industry! ]

[Increase deposit and loan interest rates and government bond interest rates! ]

[Recover the illegally borrowed funds within a certain period of time! ]

[Cut infrastructure investment and clean up all projects under construction! ]

……

There are more than just these 5.

There are a total of 16 regulatory measures.

But in Xiao Jun's eyes, the five points mentioned above are obviously the most important.

He kept rubbing his fingers on it.

There was a hint of anger, helplessness, and a hint of regret.

"Under the current circumstances, it seems that the bank's money is still useless. Even if this real estate company is declared bankrupt, Brother Xiao and I will definitely be sued by the bank. Moreover, once bankruptcy is declared, these houses will definitely be taken back by the bank. We will lose more. If we keep these houses, maybe we can turn things around in the future. It seems that we can only take a gamble."

He took a breath.

His face was pale. As a qualified businessman, if he didn't make a profit, he would lose money. What's more, he had to pay back all the 300 million he had earned before and put some more money into it.

At this moment, his heart was bleeding and it hurt as if it was being cut by a knife.

Mou Zhexi, who was in the hospital, had also woken up at this moment and was making a phone call to contact his subordinates at the Sino-German Company in his hometown.

"Stop talking nonsense."

"I'm already in the hospital, so I don't have time to talk nonsense with you guys."

"Listen, prepare all the cash in the company's account. I'm going to need it in a few days."

"All of them. You heard me right."

"Some of it is payment for goods? Then just owe it first. If anyone is dissatisfied, tell him to come find me."

"Damn it, I'm screwed this time. If I can't plug this hole, I'm afraid I won't be able to leave this damn place alive."

Mou Qizhong was obviously more tolerant than Xiao Jun thought.

Hang up the phone to my hometown company.

He thought for a moment and called Xiao Jun's cell phone: "Listen, I just want to ask you one question, can you hide in the hole?"

15 billion bank loan.

The two of them divided it equally, 7.5 million each, but the account cannot be calculated like this. It is useless if only one of the two can pay it back, because the two of them are now in the same boat.

If you want to pay it back, pay it all back. If you want to refuse to pay, just don't pay a single cent and deny it all.

Then run away.

Now he just wanted to hear a word from the guy on the phone.

If he wants to run away, he has to do it as soon as possible and start preparing now. He has to make some phone calls, ask people from his hometown to come and prepare a lot of cash. Damn it, he may have to hide abroad for a while.

"I... I'm trying to figure it out. It should be possible if we put some together. What about you, brother?"

Xiao Jun was also worried about Mou Qizhong.

The same principle applies.

No matter how they respond, now both of them are in the same boat.

"Good boy, you are good. It seems that I underestimated your strength. Not bad, then hurry up and prepare. After you pass this level, don't worry, we still have a promising future."

Mou Qizhong was not so easily defeated.

A short-term failure is nothing, it's not like I haven't experienced it before. Compared to the past, not only did I lose everything, I was also sent to jail. This time I just lost the 300 million I earned before.

Well, at most, just stick it a little bit deeper.

It also depends on the market's reaction to this policy.

The shoe finally dropped.

How low will house prices fall?

This will take a process of about a month. After a month, the smoke of policy war should be over.

When the time comes, you can buy and sell. Even if the price drops to 1000 per square meter, there are still houses standing there. Once the market is circulating, there will be hope of recovering funds.

"understood."

"Oh, I regret not listening to Brother Lu!"

"It's too late to say anything now."

"Well, it's a little late. By the way, you are rushing to the company now, right?"

"After I sent you to the hospital, I rushed downstairs and am still in the car."

"Then you can take a holiday after you go to the company. Dismiss all the people in the company. People are in a panic. No one is working anyway. Leave two security guards to guard the gate. By the way, as for the bank, you should also find an opportunity to tell them that we are not short of money. Other companies may go bankrupt, but our company will definitely not. If anyone comes to urge us to repay the loan, you can tell them that repaying the loan in advance is a breach of contract, and they breached the contract first. We have the money and we can pay it back, but there will be no interest. This matter must be made clear. They want the interest and want to break the contract. They are afraid that the higher-ups will come to check the accounts and let us fill the hole happily. Then you can tell them to dream. These bastards only care about themselves. If they want to see us die, then we will all die together. Humph, let's see who can't stand it first and who will have the last laugh."

With food in hand, he has no need to panic. Knowing that even his younger brother Xiao Jun is confident that he can fill the hole of 7.5 million yuan, Mou Qizhong's voice on the phone became a little brighter.

"Well, I know. I'll give it a try. You should get well first. I'll have to go back to Pengcheng in a few days when you're discharged from the hospital. I'll have to rely on you to take care of this mess here. Brother, you'll have to take charge."

At this moment, Xiao Jun's momentum was somewhat weaker than Mou Qizhong's.

To raise money, Mou Qizhong only needed to make a phone call, but he had to go back home. He originally left Pengcheng and his old man's territory to start a business in order to prove himself, but this time he had to bow his head.

He was already prepared. The old man probably wouldn't let his mother and younger sister take out the money easily. After all, two hundred million was a huge amount of cash. If it couldn't be returned, even the Qian family, which was so big, would definitely suffer a lot.

There is a risk of capital chain being cut off.

"I want to use these houses as collateral in exchange for the old man's support, but will he really agree?"

If the 1.5 billion hole cannot be filled in the end, the houses will still be taken back by the bank.

For the Qian family, borrowing these 200 million yuan is a huge risk.

(End of this chapter)