Financial freedom starts from graduation

Chapter 271 Ten Million to Buy Peace of Mind
Everyone present was a billionaire, and they were not completely ignorant. In fact, if they thought about it carefully, they could understand this exaggerated credit limit.

For example, there is a very special credit card called the "Unlimited Credit Card", and it also has another nickname, called the "Black Card".

The earliest "black card" issued refers to the Centurion series black card issued by the American Express Company. The entire body of the card is made of titanium alloy. As long as you hold this card, you can use it unlimited times within a month, with no limit on the number of times and no limit on the amount.

Later, major banks in China followed suit, such as Minsheng’s Centurion Black Gold Card, Pudong Development Bank’s Super Platinum Card, etc. China Merchants Bank also has one, called the “VISA Infinite Credit Card”.

However, in general, the "black cards" issued by major banks in China still have their own upper limits, ranging from 200 million to 1000 million.

However, because the processing of "black cards" is based on an invitation system, the credit limit for each customer is different. There will be some that exceed this standard and achieve "unlimited" in a relative sense, but this will only be available to the 1% of customers who are rated as super-high-quality customers by the bank.

In the current situation, although China Merchants Bank did not directly issue a card to Zhou Wang, it is obvious that he is among the 1% group in the eyes of China Merchants Bank.

In fact, it cannot be said that they guessed wrong. In view of Zhou Wang's excellent personal qualifications, China Merchants Bank has indeed invited him to apply for a card and will provide him with a minimum credit card overdraft limit of 30 million.

After listening to what Xu Wenxi said, Zhou Wang felt that it was not bad. After all, the interest on this 2.2 million loan is calculated on a daily basis like Jiebei, but the 3000 million spending limit on the credit card will have an interest-free period of up to 33 days.

It is no exaggeration to say that with the China Merchants Bank black card, even if Zhou Wang swiped out all 30 million yuan and put it into Yu'e Bao to earn interest, he could still earn one or two thousand yuan a day, which is equivalent to picking up money for free.

Big money makes small money, it’s that simple.

(This is just an example. Cashing out credit cards is illegal and I don’t recommend you learn it randomly.)

As for Zhou Wang, adhering to the principle of not missing out on anything, he agreed to the invitation to open a credit card account. However, before the card was issued, he had already applied for the credit line.

Anyway, after figuring out the underlying situation, the way everyone present looked at Zhou Wang changed.

The bank is not stupid. If it dares to lend Zhou Wang 2 million yuan directly, it can only mean that Zhou Wang has high-quality assets that can be converted into cash at any time, which is far more than 2 million yuan. According to the credit ratio, generally speaking, Zhou Wang's assets in this area must exceed 5 million yuan before the bank will approve 2 million yuan for him, and he cannot have other debts...

"Boss Zhou is really... young and promising, but he's very talented!"

Liao Jianli didn't have so many concerns. After he reacted, he finally shook his head and smiled.

Because they almost laughed at someone just now, everyone else was a little embarrassed, so they didn't say anything. Among them, Huo Chengrui's face was the darkest.

Where on earth did this guy named Zhou Wang come from...

How come I've never heard of it before?

After all, at Zhou Wang’s age, if his assets could already be counted in 10 billion, it would have been hyped up by the media long ago, right?

Huo Chengrui was a little confused.

No matter what others were thinking, Yang Liping was truly surprised at this moment.

Because this phone call has proved that Zhou Wang was not bragging, he can really pay out 100 million in cash at any time.

"Mr. Zhou, then..."

Just when Yang Liping calmed down her excitement and wanted to say something, Huo Chengrui, who was still a little unwilling, gritted his teeth and said:

"Teacher Yang, what if I am willing to give you another five million?"

"what?"

Yang Liping was stunned.

"The total price is 1.25 million. Moreover, I can get the support of the family and pay the full amount within three weeks."

Huo Chengrui glanced at Zhou Wang and then spoke quickly.

"This……"

Yang Liping couldn't help but be moved when she heard this.

After all, there was a difference of 1 million between 1.25 million and 2500 million. Although she was in a hurry, she only had 20 days. If she gritted her teeth and held on...

At this time, Zhou Wang patted his head again and said:

"Oh, Mr. Yang, I almost forgot to tell you that if you can accept payment three weeks later, I can offer you 1.3 million."

"..."

Huo Chengrui really wanted to ask Zhou Wang, no, you are such a sticky weirdo, you do whatever I say, don’t you have your own ideas?
Zhou Wang felt Huo Chengrui's unfriendly look, but he really didn't mean to target him. This was indeed Zhou Wang's original idea.

If Yang Liping cannot accept the reserve price of 1 million yuan and is willing to wait longer, Zhou Wang can also accept 1.3 million yuan.

Because based on the actual valuation of 1.7 million, 1.3 million is also a lot of profit.

And if he could wait three weeks, he would be able to borrow less money. By then, the annual dividend from Wuyou Media should be in his account, and with the credit card he has, he might not even need to borrow from the bank.

Yang Liping didn't know what to say, but at this moment, things took a turn for the better and finally developed in the direction she expected, so her mood naturally improved.

After careful consideration, Yang Liping looked at Huo Chengrui and said, "Mr. Huo, thank you for coming to Baicheng as my guest. I have agreed to the Hong Kong Gala you mentioned earlier. Please send me a formal invitation letter later."

Huo Chengrui's face turned a little ugly when he heard this, because since Yang Liping said this, it was obvious that she wanted to sell the two properties to Zhou Wang.

He just said "hmm" lightly and didn't say anything else.

This surprised Zhou Wang a little. He thought Huo Chengrui would continue to raise the price... It seemed that he was overthinking. Who in real life is so stupid?
Of course, even if Huo Chengrui really offered a higher price out of anger, Zhou Wang would just give up. There is no need to argue about this kind of face.

Then, Yang Liping looked at Zhou Wang and said with a smile: "Boss Zhou, if it's okay, I'll have someone bring the contract over right away?"

"Teacher Yang, are you sure you won't wait any longer?"

Zhou Wang knew that Yang Liping had already made her choice, but he still asked, "30 million is not a small amount."

"My situation doesn't allow me to delay any longer. If there is no more capital injection, I might lose more than 30 million..."

Yang Liping just smiled bitterly and shook her head helplessly.

Zhou Wang seemed to be thinking about something. "Okay, how about this... I'll give you 1.1 million yuan. You can pay 20% after signing the contract, and the rest after the property registration is completed. Is that okay with you?"

"One hundred and ten million?"

Now it was Yang Liping's turn to be stunned, and then she was extremely surprised, "Are you really willing to pay this price? Wait, are we talking about paying it off within one day..."

"Yes, one hundred and ten million. You heard it right. If there is no problem, please ask Mr. Yang to prepare the contract. I will ask my lawyer to come over right away."

Zhou Wang smiled and nodded.

Yang Liping, who didn't quite dare to believe it, confirmed it again and again. Although she was confused, she couldn't help but excitedly hugged Zhou Wang gently, then hugged Xia Xiwei, then turned around and left quickly, arranging her assistant to prepare the contract.

However, the looks that Huo Chengrui, Jiang Yisen and the others gave Zhou Wang became strange again.

Hearing that Zhou Wang could pay immediately, Yang Liping had obviously agreed to a transaction price of 1 million yuan. However, Zhou Wang actually raised the price on his own initiative and gave million yuan for free...

No, there is definitely something wrong with you!

Huo Chengrui felt very uncomfortable, thinking that he had been robbed of his limelight by such a person, but he couldn't get angry...

"Zhou Wang, you...what do you think?"

Xia Xiwei couldn't understand it either. Although she was happy that Zhou Wang seemed to be brought by herself, she also gained an extra favor from Yang Liping, but...

No matter from which angle you look at it, Zhou Wang's initiative to raise the price seems very "stupid", and he seems to have no reason to do so.

"Nothing, I just think that a normal person would choose to wait for a month. After all, the price difference is 30 million, not 30,000. But Teacher Yang can't even wait for this little time, so the situation must be very bad."

Zhou Wang smiled and said, "As a business, I should strive for the lowest price, but out of respect for Teacher Yang, I should also make some concessions, or put it another way..."

Zhou Wang's voice deepened, "After all, I am not a pure businessman, am I?"

One hundred million was the system's offer, and the deal was inevitable. But at a certain moment just now, Zhou Wang didn't know why, but he felt uncomfortable.

It could be the helplessness in Yang Liping's eyes at a certain moment, or the faces of Huo Chengrui and others, or it could be...

A slight collision between the chivalrous spirit remaining in the boy's bones and reality.

In short, Zhou Wang suddenly felt that it was unnecessary.

There is no need for everything in this world to be so cold.

He cannot change the world, but he should also retain a little bit of himself.

Just like what he saw in Yang Liping, that kind of authentic thing that only belongs to an artist...

Zhou Wang couldn't explain what it was, but he was sure that he didn't want to be like Huo Chengrui, who only pursued interests and forgot everything else.

The money system is the eternal system that makes money endlessly and completely.

He can become capital, but he should not be a capitalist who only cares about money. Just out of respect for Yang Liping as an artist, and because of the shock he felt when he watched Yang Liping dance live many years ago, he is willing to pay the extra 10 million.

At that time, Zhou Wang was a child and only needed to pay half-price ticket.

This 10 million can be considered as...making up for the other half of the ticket.

As for the strange looks from people headed by Huo Chengrui, Zhou Wang simply ignored them.

What are you looking at? You are already a billionaire, why are you still making a fuss? You look like you have never seen the world...

Can't I spend an extra ten million to buy some peace of mind?

Anyway, you Muggles won’t understand.

Xia Xiwei was stunned for a moment. In fact, Zhou Wang’s expression was not clear, but somehow she understood it.

She looked at the boy's profile. After experiencing rapid growth, the immaturity on that handsome face was no longer there. From the first time she met him, Xia Xiwei only saw Zhou Wang's maturity and stability.

But at this moment, Zhou Wang's face became inexplicably clear in her eyes... Being in the entertainment industry and accustomed to the secular world of fame and fortune, Zhou Wang's youthfulness at this moment made Xia Xiwei feel that her heart skipped a beat.

In a trance, she felt as if she knew why Ding Yi was attracted to Zhou Wang.

If Xia Xiwei was only curious about Zhou Wang because of Ding Yi before, then from this moment on, she began to have a real desire to explore Zhou Wang.

Xia Xiwei also hugged Zhou Wang unconsciously. When Zhou Wang looked over, she realized that she had lost her composure, but she just smiled and said:
"What are you looking at? Can't I thank you on behalf of Teacher Yang?"

Having said that, Xia Xiwei naturally let go of Zhou Wang, not looking embarrassed at all.

Zhou Wang smiled, then looked away and started talking to Mr. Liu from Guangdong Province, who had come over to him at some point. Then, amid the other person's smile, he took a business card from Miao Ying and handed it to him.

But he didn't notice that just after he turned his head, Xia Xiwei pursed her lips and quietly touched her burning ears.

……

Now that the deal between Zhou Wang and Yang Liping has been reached, there is no need for others to stay.

Huo Chengrui was the first to leave. Accompanied by his assistant and bodyguards, he got back into the Mercedes-Benz business car. While instructing the driver to drive, Huo Chengrui took out his cell phone, thought for a moment, and made a call.

"Hello, Sister Jessie, it's me... Please help me check this person, um, his name is Zhou Wang, inland boy... I'll send you the basic information... OK, bye!"

After hanging up the phone, Huo Chengrui picked up a cigar and sniffed it, trying to relieve the irritability in his heart.

He turned down another project and came to Baicheng today. He thought this investment would be easy to get, but it ended up failing, which made him very unhappy.

He may not care about making tens of millions of dollars, but he doesn't like the feeling of wasting time.

He wanted to see who this Zhou Wang was... You messed up my project, so I'll find a chance to give you a taste of your own medicine, right?

Jessie is the personal consultant serving their entire family, and is also the right-hand man assigned by his father. She also sorted out the information about Yang Liping for him. It was so detailed that he didn't have to think about it, which allowed him to take the initiative in this transaction. He believed in the other party's ability...

Given Zhou Wang's assets and reputation, it shouldn't be difficult to investigate.

Jingle Bell!
The phone rang urgently. Huo Chengrui glanced at his phone and answered the call in surprise:
"Hey, Sister Jessie, is there a result so soon?"

"Chengrui, it's me."

However, the voice coming from the other end of the phone was not the expected capable female voice, but a deep male voice.

"Father, why is it you?"

Huo Chengrui sat up straight subconsciously.

His father, Huo Yingxiong, is in his prime and is the undisputed controller of the entire Huo Group. He is also the person Huo Chengrui respects the most.

Sometimes he felt that he and his partner were not like father and son. At least in front of Huo Yingxiong, Huo Chengrui didn't dare to do anything rash.

"Jessie just came over to report something to me. I was there when you called her. I heard Jessie say that you were investigating someone named Zhou Wang?"

"Yes, father..."

Huo Chengrui was a little confused. After he officially took up the position, Huo Yingxiong seldom interfered with him. Huo Chengrui really didn't understand why he suddenly called him and asked him about such a "trivial" matter?

"Is the Zhou Wang you mentioned from Yunnan Province? Is he young and rich?"

"I'm from Yunnan Province. I'm young and rich."

Huo Yingxiong did not take the initiative to explain, and Huo Chengrui did not dare to ask, so he could only answer honestly.

"That's it."

Huo Yingxiong on the other end of the phone murmured, and his tone suddenly became stern, "Let me ask you, why are you investigating him? Have you offended him?"

"Ah, well... I didn't offend him. I just don't like him a little, but there was no direct conflict..."

Huo Chengrui, who was startled, quickly explained.

"Tell me what happened. If you hide anything, you will lose your inheritance rights."

Huo Yingxiong just said coldly.

Lost inheritance rights?
Huo Chengrui was confused.

No, I killed someone or set a fire, how come I lost my inheritance rights...

But he knew that his father would never joke with him, so although he was extremely puzzled and confused, Huo Chengrui still quickly narrated the story in such detail that he even described what he was thinking when he said each sentence and how Zhou Wang reacted...

Huo Yingxiong, who has always believed that "time is money", seemed particularly patient this time. He even interrupted him constantly and asked about certain details.

In short, by the time Huo Yingxiong fully understood what had happened, almost half an hour had passed.

Then, Huo Yingxiong was silent for a long time.

After several minutes of Huo Chengrui's anxious waiting, Huo Yingxiong finally spoke:

"I know what happened. You don't have to worry about it anymore. But remember, from this moment on, stop all your inappropriate thoughts and don't take any actions against Zhou Wang, otherwise..."

"Otherwise" Huo Yingxiong didn't say anything. He just said the last sentence lightly and hung up the phone.

Huo Chengrui, who had been holding the phone, didn't breathe a sigh of relief until this moment. He pulled at his sticky clothes and found that cold sweat had soaked his back without him knowing when.

He doesn't understand...

Why?

That Zhou Wang, not only does my father know him, but he also seems to value him very much?
No, that was more than just attention, it was more like a kind of fear. This was Huo Chengrui's own judgment.

Then think about Zhou Wang’s age and the unknown confidence that far exceeds that of ordinary people.

Could it be that...

One messy thought after another flashed through Huo Chengrui's mind, making him feel a little uneasy.

I don't know how long it took, but in Huo Chengrui's agonizing wait, the phone finally rang. Huo Chengrui quickly picked it up carefully:
"Hey?"

"It's me. Your father is gone..."

It was Jessie's voice on the other end of the phone, which made Huo Chengrui relax.

He couldn't wait to ask: "Sister Jessie, what's going on? This Zhou Wang..."

"You're not going to give up yet?"

Jessie said seriously, "Ari, your father not only warned you, but also warned me. He asked me to keep an eye on you to prevent you from doing anything wrong again."

"Sister Jessie, my father has said so much, how can I dare to do anything? I am just simply curious..."

Huo Chengrui smiled bitterly.

"Okay then, but I actually don't know either... or rather, I may only know a little bit."

Jessie was silent for a while, then spoke hesitantly.

"Can you tell me?"

Huo Chengrui immediately asked impatiently.

"I watched you grow up. Given our relationship, there is nothing we can't talk about. Otherwise, I wouldn't have called you."

Jessie then slowed down her tone, and after thinking for a while, she said, "Actually, this is what I just found out when I opened my computer... Do you remember the international hospital called Jiahui?"

"Of course I remember. Why did you suddenly mention this hospital?"

"30% of the shares of this hospital belong to an inland company called Wangzhou Culture, and Zhou Wang is the wholly-owned legal representative of this company."

"How can this be?"

When Huo Chengrui heard this, he was stunned.

The total investment of the completed Magic City Jiahui Hospital is over 40 billion yuan. From the surface information, the company behind it belongs to a private equity fund in Hong Kong Island, but Huo Chengrui naturally knows the truth.

This private equity fund was actually initiated by several major financial groups in Hong Kong Island. It gathers almost all the top capital representatives in Hong Kong Island. In other words, this private equity fund is equivalent to a consortium of half of Hong Kong Island's business community.

Magic City Jiahui, as one of the foundation's key investment projects in the inland, Huo Chengrui had heard his father mention it more than once when he was at home.

As the head of the Huo Group, Huo Yingxiong is one of the nine giants in the foundation. In fact, Magic City Jiahui and the under-construction Beidu Jiahui are both projects led by the Huo family, so Jessie and Huo Chengrui know them so clearly.

Huo Chengrui still remembers that there were too many investors who wanted to get on board at the beginning, including many weird people with mysterious backgrounds. However, given the confidence of the foundation, Huo Yingxiong naturally rejected them all.

In other words, this private equity fund is inherently exclusive and is an internal carnival of Hong Kong Island capital. All major overseas investment projects of the foundation will not accept participation from outsiders.

But now, Jessie told him that Zhou Wang already held 30% of the shares of Magic City Jiahui International Hospital. Huo Chengrui naturally felt it was ridiculous.

"The equity acquisition took place about a month ago. I checked the internal records and found that it took no more than a week from the start to the end of the acquisition. This is simply too unbelievable!"

Jessie couldn't help but marvel. "Ari, you should also know that for a share acquisition of this magnitude, the initial negotiations alone would take an unknown amount of time. As for Zhou Wang's acquisition of Jiahui Hospital's shares, the entire process was so fast that it felt to me like, like..."

"Like what?"

Huo Chengrui, who was also attracted, asked subconsciously.

Jessie fell silent again, as if she couldn't find the right words for a while. After a long while, she said quietly:
"It's like... he asked for it, and they gave it to him."

(End of this chapter)