Financial freedom starts from graduation

Chapter 270 If you consider money as a resource

"?"

Xia Xiwei naturally didn't understand anything about Zhou Wang's sudden and inexplicable words.

But Zhou Wang had no intention of explaining, so she did not continue to ask. She just rested her chin on her hand and looked at Zhou Wang with a smile, as if she wanted to see through this man.

"Bosses, I asked an authoritative asset appraisal company to issue this valuation report. I, Yang Liping, can swear on my artistic reputation that there is absolutely no water in it."

On the other hand, Yang Liping didn't understand why the people in front of her seemed to have reached some kind of tacit understanding in advance. She could only try her best to hide her displeasure and said with a smile:

"I think you can all see that the overall market price given by the appraisal company is 1.79 million. Of course, my own expectations are definitely not that high, but isn't 1 million too low? Mr. Huo even gave a quote of million. I can only think you are joking..."

"Teacher Yang, of course I won't doubt your character."

Huo Chengrui just smiled faintly and spoke in not very standard Mandarin: "But what I just said was not a joke... The reason why this valuation report is not accurate is that it ignores several factors."

"What factors?"

"For example, before becoming a tourist attraction, Yuji Island, where these two industries are located, was just an unknown small village without any commercial real estate. This means that there is a lack of a horizontal indicator for reference. You can't deny this, right?"

Huo Chengrui spoke eloquently, "Your actual investment in developing these two industries was not high. It can even be said that a large amount of money was spent on the early design. Your total expenditure should not exceed 20 million, right?"

"The cost of building the Sun Palace was indeed not high. Mr. Huo, your guess is very accurate. Twenty million is not far off, but... that was in 2000."

Yang Liping maintained her smile, but her voice unconsciously rose a little. "I don't need to say more about the prices of goods 20 years ago and how they are now. In the span of 20 years, no matter where you buy a house, I think the value has at least increased tenfold, right?"

Huo Chengrui shook his head. "If it were a first-tier city, 20 times would be no problem, but this is just Baicheng after all. The fact is that the value of these two properties is greatly tied to the local tourism industry, and speaking of this, it is the second overlooked factor I mentioned."

"what?"

"Let's not talk about other factors that may affect the rise and fall of the tourism industry. Teacher Yang, what do you think is the reason why the Sun Palace can create economic benefits and even drive the entire Yuji Island to become a popular tourist attraction in Baicheng?"

When Yang Liping opened her mouth to say something, Huo Chengrui continued with a smile:

"You should know that you are relying on your great personal reputation... But now, you are almost in a state of retirement. Once we take over these two properties, no matter where we go in the future, we will no longer be able to operate them under your name. This is the hidden risk we need to bear."

"Yes, Mr. Yang, what Mr. Huo said is what I am worried about. You can turn the Sun Palace into a personal art space. Even if you just charge admission and sell a few cups of coffee, you can create considerable economic value. But for us, this is obviously not a feasible approach."

Mr. Liu from Guangdong Province also agreed with a smile at this time.

"I heard that when the Sun Palace was previously operated as a hotel, it was ordered to make rectifications due to environmental issues. This shows that running a hotel is not easy. To be honest, we don't know what to do with it if we take it over."

"What Lao Liu said is what I am considering as well."

Liao Jianli also nodded, and said cautiously, "It is true that these two properties have investment value, but the subsequent operation is a difficult point."

The other two investors invited by Yang Liping did not say anything more, but nodded slightly, obviously agreeing with what others said.

"So, Mr. Yang, the 1.79 million valuation is definitely inflated in our eyes. In fact, 8000 million to 1 million is already a relatively fair reserve price that we all agree on."

Huo Chengrui put down the teacup and said one last sentence in a calm tone, as if everything was under control.

Listening to the unanimous opinions of several investors on valuation, Yang Liping's expression hinted at some helplessness and indignation.

It was because the scene was completely different from what she had expected.

In fact, organizing this small-scale auction sale was Yang Liping's last choice.

The real estate market has been too sluggish in the past two years. As early as a month ago, she had commissioned an agent to help her find a suitable buyer. However, either the price was far below her psychological price, or the payment period was too long for her to accept.

Her artistic status is undoubtedly lofty, but now she is close to retirement and her influence is no longer as great as it once was.

Because of the company's operational crisis and consecutive failures in several investments, she had a huge gap in cash flow. If she could not raise funds in the short term, she might face a collapse that would affect the entire company.

Yang Liping was a little surprised today because the number of investors present exceeded her expectations. She believed that this form of on-site bidding would inevitably result in a higher transaction price.

But obviously, she was overthinking it.

All the investors present had obviously done their homework beforehand, and perhaps even investigated her financial crisis thoroughly, as could be seen from the speed at which they flipped through the evaluation report...

They won't make any rash decisions because everything is already clear to them.

This was not an auction, but a "slaughter" that they had planned in advance.

It's even hard to say whether they had met privately before the gathering...

"Mr. Chen, Mr. Zhao, do you think so too?"

Yang Liping took a deep breath and looked at the other two people who were silent.

These two people are the investors she found through personal connections, and they are also the two people she has the highest hopes for today.

The two of them spoke one after another. Although they spoke politely, the meaning of their words tended to agree with Huo Chengrui's opinion, which was undoubtedly equivalent to pouring a bucket of cold water on Yang Liping's head again.

Born as an artist, she always had a bit of naive delusion. Now she realized that friendship is just friendship after all. In the face of absolute interests, what is the use of friendship?

"Teacher Yang, there are two people here that you haven't asked yet?"

Xia Xiwei smiled and reminded at this time.

Yang Liping then remembered something, her eyes lit up, and she looked at Zhou Wang and Jiang Yisen again.

"What do you two mean..."

"Teacher Yang, I'm here to take a look today on behalf of my brother. Please wait a moment for the specific decision. I'll make a phone call and get back to you later."

Jiang Yisen shrugged, then took out his cell phone and walked aside to make a call.

As for Zhou Wang, he smiled and said, "Objectively speaking, 1.79 million is indeed a bit high. I certainly can't offer that high."

"So, Mr. Zhou, what is your target price?"

"Actually, I think about 1 million is about right..."

When he found out that others were not stupid, Zhou Wang thought about it and directly quoted a price according to Yang Liping's lowest psychological price given by the system.

When Yang Liping heard Zhou Wang's offer, she was disappointed after having accumulated a lot of expectations due to the previous shock.

She thought that the young Zhou Wang might bring her some kind of surprise, but now it seems that she was overthinking...

Yes, how could someone who could start from scratch and accumulate billions of dollars at this age not be a mature and calculating businessman?

Xia Xiwei, who was standing by, didn't think there was anything wrong with Zhou Wang's offer. From a business perspective, if everyone else quoted a low price, it would be weird if Zhou Wang quoted a high price...

Although Xia Xiwei still had some indescribable emotions.

Maybe she always felt that Zhou Wang was a little different?

Hearing Zhou Wang's offer, Huo Chengrui glanced at Zhou Wang with a hint of sneer on his face.

He thought Zhou Wang could come up with some unique ideas, but now it seems that he is just repeating what he said...

It can be said that the pace of this auction till now has been invisibly controlled by Huo Chengrui. This subtle pleasure far exceeds acquiring a property with a very high cost-effectiveness, and he enjoys it quite a lot.

At this time, Jiang Yisen also came back. Facing Yang Liping's questioning and expectant eyes, he did not keep her in suspense. After sitting down, he spoke directly:

"My brother said that for Sister Xiwei's sake, he will give you a flat price of 1 million. If you agree, Mr. Yang, he can discuss it with you in detail again. There is still some room for concession, but the premise is that he will send his own team to evaluate the value of the industry again... My brother usually only trusts his own judgment."

When Yang Liping heard this, she didn't know what to say for a moment.

Not to mention the initial offer of 1 million, which was not much different from what Huo Chengrui and others offered, it really did not meet her expectations. Moreover, Jiang Minghao wanted to conduct a new evaluation, and this back and forth would take longer.

"Thank Mr. Jiang for his kindness. I will consider it carefully."

Yang Liping forced a smile and thanked them. While standing up to pour water for everyone, she quickly adjusted her mood. When she sat down again, Yang Liping seemed to have thought something through and she looked around.

"Everyone, since we have come to this point, I will be frank with you. The lowest price I can accept is about 1.3 million. I am actually at a disadvantage at this price because I will not take anything away from the property. The total value of the antiques and artworks in these two properties alone is no less than 3 million..."

Yang Liping said solemnly, "I can guarantee that even if the price is 1.3 million, it is definitely a worthwhile investment for you."

Everyone could hear the sincerity in Yang Liping's tone. No one spoke for a moment. All the investors present knew that this was the final bidding stage, and everyone became cautious.

After a while, Mr. Chen, who was invited by Yang Liping, spoke first with a smile:

"1.3 million is a bit high, Mr. Yang. Since we are being frank, I will tell you the truth. The final price I can offer is 30 million. Of course, considering our past friendship, I am willing to pay an extra million... If you agree, Mr. Yang, I will pay % first and the rest within a month."

"My side is not much different from Lao Zhao's. We can discuss it in detail, but it is difficult to exceed 1.1 million."

Everyone gave their own offer. Among them, Liao Jianli offered the highest price, but it was only 1.15 million, which was almost the same as Mr. Zhao's offer.

"1.2."

At this time, Huo Chengrui suddenly spoke, attracting Yang Liping's attention.

The foreshadowing in the early stage was enough, and now it was time for the real purpose to be revealed. Facing the gazes of the crowd, Huo Chengrui smiled confidently and said, "Teacher Yang, this is my final offer. It is also based on the strong development strength of our Hong Kong Island Real Estate Company, which can increase the return on investment. I am willing to directly increase the price by 50% based on my own psychological price of only million. You can consider it carefully."

Lowering the price at the beginning was just a prelude. No one thought that Yang Liping would really sell the two properties for less than 1 million yuan, and Yang Liping certainly knew it.

Her initial indignation was more due to the fact that they had lowered the price too much at the outset. Even if it was just an unavoidable tug of war, her psychological expectations could still be seen.

At this point, after learning everyone's real offer, Yang Liping couldn't help but fall silent.

1.2 million was naturally lower than her initial psychological expectations, but compared to others, it was still much better...

Judging from the expressions of other investors, it was obvious that they could not offer a higher price than Huo Chengrui.

Yang Liping hesitated for a moment. She asked carefully, "Mr. Huo, if the transaction price is 1.2 million, how long will it take for you to pay?"

"If it's fast, maybe within a month."

Huo Chengrui knew that things were already halfway to success, and couldn't help but smile.

In fact, his real bottom line is similar to the 1.3 million quoted by Yang Liping, but please... if the deal is really done at 1.3 million, then it would undoubtedly be a failed negotiation.

"One month is a bit too long..."

Yang Liping frowned and said helplessly: "Can you go faster?"

"Teacher Yang, you run a business yourself, you should know that this is not something I can decide."

Huo Chengrui shook his head and said, "No company can easily take out hundreds of millions of active funds. In fact, the one-month period promised is the fastest period I can try to coordinate for you in your urgent situation."

"Of course, if you are willing to accept the price of 1.1 million, then I can find a way to speed up the process. Maybe it can be done within two weeks."

At last, Huo Chengrui chuckled and added.

Yang Liping asked other investors again, and sure enough, everyone shook their heads.

Their payment cycles were longer than Huo Chengrui's. Liao Jianli even suggested that although he could pay 1.15 million, he could only do so in installments.

"Teacher Yang, I can offer 1 million..."

At this time, Zhou Wang suddenly spoke.

In the current atmosphere, Zhou Wang's words were actually quite puzzling.

Not only Yang Liping was confused, Huo Chengrui also looked bewildered... Dude, are you sick?
Everyone has finished bidding, and you suddenly come out and say you can offer 1 million...

Because the 1 million offer at this time was not competitive at all among everyone, this sentence seemed meaningless, and it seemed more like Zhou Wang was trying to show off his presence.

But before everyone could laugh, Zhou Wang added lightly:
“Payment today.”

The corridor suddenly became quiet.

Before Huo Chengrui and the others could react, Yang Liping stood up in surprise and asked in confirmation:
"You just said... you can pay today?"

"Well, today."

Zhou Wang nodded, indicating that Yang Liping had not heard wrong.

At this point, the other investors came to their senses and looked at each other in confusion.

Zhou Wang said he could pay today?

real or fake……

Isn't it said that he is just a shareholder of a large media company and a newly promoted billionaire?
Which newly promoted billionaire can easily take out 100 million?
As we all know, a person's net worth is the total amount of various assets such as real estate, land, real estate, and equity.

Having a net worth of 100 million and having 100 million in cash in hand are two completely different concepts.

When the gangster Zhang kidnapped and blackmailed the richest man in Hong Kong Island, the richest man in Hong Kong Island, who was already worth hundreds of billions, could only come up with 5 million in cash after scraping together money overnight.

This is an extremely urgent situation.

Jiang Yisen was also a little stunned. He quietly checked his brother's bank card balance, which was only tens of millions, but his brother's assets had exceeded 10 billion as early as last year...

The fact that Zhou Wang can come up with 1 million in cash doesn’t it mean that he is more awesome than his brother?
Huo Chengrui also wanted to ask Zhou Wang if he was bragging, but it was hard to say it directly, so he could only say in a veiled way: "Boss Zhou is very generous. He got 100 million just by saying so."

He didn't question it directly, but his words and actions were full of doubts.

After hearing what Huo Chengrui said, Yang Liping's excitement cooled down.

Her own assets at her peak were also over 100 million, so she certainly understood the difference...

However, before Yang Liping could hesitate and think about how to ask Zhou Wang to confirm, Zhou Wang, who had already seen through everyone's thoughts, took out his mobile phone, made a call, and then put the phone on the table with the speakerphone turned on.

Everyone subconsciously looked over and saw the number on the call interface was "40066-95555".

This is the private banking customer service phone number of China Merchants Bank. As the bank ranked first in private banking business in China, in fact, several people present are private banking customers of China Merchants Bank, so they are naturally familiar with this number.

The call was quickly connected. There was a mechanical announcement tone at first, but it was soon automatically transferred to a sweet female voice:

"Mr. Zhou, good afternoon. Welcome. I am Jiaqi, your private banking account manager. How can I help you?"

"Jiaqi, I heard from my assistant that the credit line I applied for yesterday has been approved?"

"Yes, Mr. Zhou, after our expedited application, as the wholly-owned legal representative of Wangzhou Culture, the head office has approved your application for a personal revolving loan this morning..."

“What’s the amount?”

"The revolving credit limit that has been approved for you is 2.2 million yuan. In addition, according to the head office, if you are willing to pledge part of the shares of several companies under your name as collateral, the credit limit can continue to increase..."

"Let me confirm that I can use the 2.2 million yuan at any time, right?"

Zhou Wang smiled and didn't respond to her other words, but just asked.

"Yes, Mr. Zhou, I can transfer the corresponding funds to your account at any time, with interest calculated on a daily basis, and you can borrow and repay at any time. Do you need it now?"

"Not for now. If you need me, I'll let Xu Wenxi contact you."

Zhou Wang hung up the phone after he finished speaking.

After getting the [intelligence] yesterday, Zhou Wang was wondering where he could find the money?
He has a lot of assets, but his cash is actually very little, less than 20 million.

The answer is obvious. Without selling assets, the only channel is borrowing.

In fact, Zhou Wang was a little resistant at first. After all, he had fallen into a mud pit before. But with Zhou Wang's current vision, he just changed his mind and felt relieved immediately.

When money reaches a certain level, it can no longer be called money. It is also a kind of usable resource, and its value is only meaningful if its value is fully utilized.

So Zhou Wang began to wonder, how much money could he borrow now?
After Xu Wenxi submitted her application, the bank responded quickly, predicting that the initial credit line would be around 2 million...

Yes, two hundred million, and this is just credit.

There is no other reason, Zhou Wang’s qualifications are really good.

“High net worth individuals with zero debt”.

It's a simple feeling, that's all I can describe it with one sentence.

Even the head office staff in charge of approval found it unbelievable that among the wealthy people at this level, there were people who didn't have a single penny of debt?
This is simply unbelievable.

In addition to China Merchants Bank, Mingcheng Commercial Bank is also willing to grant Zhou Wang a credit line of 100 million...

If Zhou Wang is willing to use the equity of several companies as collateral, this amount can increase significantly.

What’s more interesting is that because of this incident, Zhou Wang suddenly had an idea and checked the credit limit on his mobile phone again.

Jiebei 30, Wangshangdai 100 million, Weilidai 20...

Not surprisingly, all the quick loan channels he saw were fully utilized, and the amount could continue to rise if additional information was provided.

In other words, Zhou Wang can lend out millions of dollars a day just by moving his fingers...

Looking back to two months ago, it seems like a lifetime ago.

When Zhou Wang was sighing, the looks of others had already become strange.

Two hundred million is nothing, this number can't scare them.

But please note that this is not a normal business loan, but a personal credit loan...

Are banks crazy?

(End of this chapter)