The Super Rich: Start from when the family business is about to go bankrupt!

Chapter 697 WPG's Funding Sources and Hidden Tests! The Tricks of Employee Pricing! The Sincerity of the Loan Plan!
Faced with the candid Zhu Guanghao, An Wuyang laughed heartily.

Li Shiyu deliberately coughed, "Cough cough!"

"Um... my lower back has been aching lately. I heard that 'Two Joys' can cure lower back pain, right?" Li Shiyu said in a serious tone.

Hou Yuanxin and Sha Yantao were both speechless. Weren't Li Shiyu and Zhu Guanghao too embarrassing?
However, the next moment, they realized how delicious it was!
"It's a pleasure to meet Brother Yuanxin and Brother Yantao today. I've prepared a New Year's gift for everyone." An Wuyang defined the gift as a 'New Year's gift' rather than a 'meeting gift,' which was naturally to save face for Li Shiyu and Zhu Guanghao.

An Wuyang didn't go into detail about what the New Year's gifts would be, but both sides already had a tacit understanding.

"Thank you, Brother Wuyang!" Zhu Guanghao said first.

Li Shiyu and the other two also expressed their gratitude.

“I have another question about the Tianjingyan New Town area,” Li Shiyu asked.

An Wuyang made a 'please' gesture.

Li Shiyu asked, "How should we raise the funds for building the new urban area?"

"Based on previous rough estimates, the total cost is approximately 8 million Xia Guoyuan. Are we investing this money proportionally?" Li Shiyu asked for more details.

Actually, this isn't Li Shiyu's problem!
This issue still concerns Hou Yuanxin and Sha Yantao, because they have only just come into contact with An Wuyang, so they certainly have more questions.

When asked about the issue, An Wuyang smiled and said, "Actually, the cost doesn't need to be 8 million at all!"

"In fact, the cost we need to invest is very low," An Wuyang added.

"Let's assume we can swallow our pride and not even incur any costs," An Wuyang subtly posed a test.

While building his interest group, An Wuyang was also secretly testing the character of his partners. If a partner's character was too bad, then An Wuyang would have to be cautious.

For example, Chen Hongzhi and his gang like to make more profits, so An Wuyang's relationship with them naturally leans towards a relationship based on mutual benefit.

Hou Yuanxin asked, "Brother Wuyang, could you explain in detail how to start this project at zero cost?"

"Can you handle the suppliers of building materials?" An Wuyang asked.

Everyone nodded.

"Can you hold off on paying the suppliers for a while?" An Wuyang asked again.

Everyone was silent.

"The same goes for the renovation project and materials. We'll delay the related payments, and you can try to get them to bail us out a little more." An Wuyang raised his right hand and made a 'pressing down' gesture.

"As for the pre-sale permit, can you handle that?" An Wuyang asked another question.

“We can delay or postpone payments to all suppliers, and then do pre-sales in advance. At the same time, we can also delay labor costs. That means we can get this project out of nothing and start it at zero cost,” An Wuyang explained the specific plan.

In fact, isn't this exactly what most large real estate companies do?
wrong
Those large real estate companies are even more ruthless. They will mortgage the current project to obtain another loan and start the next development project, thus using debt to drive the capital game at high speed!
Hou Yuanxin hesitated.

While this approach allows projects to be started at zero cost, the pressure on them can be immense if problems arise.

Sha Yantao asked, "Brother Wuyang, are there any other options?"

“There are two backup plans,” An Wuyang replied.

"In the first alternative, we each contribute capital proportionally to drive this project with our own funds. However, it doesn't require an 8 million cost, since we can pre-sell the products," An Wuyang explained.

"Our second alternative is to release some of our profits and then take out a loan from the bank, letting the bank bear the costs while we pay the corresponding loan interest. The rest will still be handled through pre-sales," An Wuyang added.

An Wuyang looked at Zhu Guanghao, "Brother Guanghao, you should know very well that we can withdraw all the funds from Shengqing Commercial Bank, right?"

Zhu Guanghao answered affirmatively, "Through Zhou Xiang of Shengqing Commercial Bank?"

“Of course!” An Wuyang nodded.

The funds needed to import gold-containing electronic waste from overseas were obtained by Zhou Xiang from Shengqing Commercial Bank, indicating a strong foundation of cooperation between the two parties.

“Then I’ll choose this option: let Shengqing Commercial Bank cover the relevant funds, and we only need to pay a portion of the loan interest,” Zhu Guanghao was the first to speak.

Li Shiyu seconded, "I also think this plan is better."

Hou Yuanxin agreed, saying, "I agree to this plan; it's just a matter of some loan interest."

Sha Yantao naturally seconded the motion.

After all, if they had chosen the original plan, which allowed them to pressure the building material suppliers, then the decoration company, and then the decoration material suppliers, the risks they would have had to bear would have been too great.

An Wuyang secretly breathed a sigh of relief; Hou Yuanxin and Sha Yantao had passed his hidden test!

If Hou Yuanxin and Sha Yantao are determined to gain more benefits by haggling over every penny, then An Wuyang needs to consider how to define his cooperative relationship with them.

An Wuyang dislikes the extreme exploitation of profits!

Because maximizing profits means being willing to do anything for profit, such people are usually quite ruthless.

"I'll contact Zhou Xiang first to explain the situation, and then ask Shengqing Commercial Bank to come up with a suitable loan plan," An Wuyang explained.

An Wuyang took out her phone and dialed Zhou Xiang's number.

After the call connected, Zhou Xiang spoke first with polite words, "Hello, Mr. An!"

Zhou Xiang's tone was respectful yet ingratiating, which made An Wuyang sigh inwardly.

"Brother Xiang, I have something to tell you." An Wuyang still addressed Zhou Xiang as 'Brother Xiang'.

It's just a form of address, it costs nothing, yet it can bring An Wuyang many benefits!
For example, a simple address can reveal that An Wuyang is not forgetting his roots and will not forget his former partners after becoming successful.

That's an excellent quality!
Some people always get ahead by being petty and, once they achieve a little success, they want to cut ties with the past. How can such people achieve great things?

"Please go ahead, Mr. An," Zhou Xiang said politely as always.

Even though An Wuyang calls him "Brother Xiang," he doesn't put on airs at all.

A person should know their own limitations! Zhou Xiang does this very well!

If Zhou Xiang insists on portraying himself as someone very familiar with An Wuyang, as if he were An Wuyang's 'brother,' then their relationship will inevitably cool down.

Social skills are something too many people don't understand.

An Wuyang gave a detailed explanation of the Tianjingyan New Town project and indicated that he needed a loan from Shengqing Commercial Bank.

Zhou Xiang immediately understood that An Wuyang was introducing business to him!
According to Zhou Xiang's estimate, if the pre-sales of the Tianjingyan New Town project are good, the loan amount may only need to be two or three hundred million yuan.

If pre-sales are not good, then a loan of 500 to 600 million yuan may be needed.

However, whether it's two or three hundred million or five or six hundred million, it's still a big deal for Shengqing Commercial Bank.

With Wugengtian involved, there's no need to worry about the corresponding loans becoming bad debts!
"President An, regarding the loan for the Tianjingyan New Town project, I will try my best to get you a lower interest rate and strive for a flexible repayment plan," Zhou Xiang promised.

“Okay, Brother Xiang, I’ll leave this to you. Please handle it as soon as possible on your end, and we’ll also push forward our project as quickly as possible,” An Wuyang explained.

Zhou Xiang immediately assured him, "No problem, we'll handle this right away and try to come up with a solution today."

"Okay," An Wuyang replied with satisfaction.

Shengqing Commercial Bank, a local city commercial bank, is indeed too proactive when it comes to high-quality customers!

An Wuyang put down his phone and said to Hou Yuanxin, Li Shiyu, and the other two, "The funding issue is settled!"

Li Shiyu was the first to speak, "That's great!"

Hou Yuanxin and Sha Yantao fell silent again. Could An Wuyang really settle a loan of several hundred million yuan with just one phone call?

Not
Even for the two of them, it would be very difficult to facilitate such a loan project.

So An Wuyang handled it so easily?

What's even more terrifying is that they had only just met An Wuyang when he introduced them to a big project that seemed to be able to make a lot of money, and they didn't have to pay any actual costs.

Admittedly, they certainly paid the price with their personal connections and influence, but this influence is hardly a cost in the real sense.

After all, An Wuyang hasn't used their connections and influence yet!

"We'll need everyone's help with the pre-sale permit process later," An Wuyang added.

Zhu Guanghao readily took charge, saying, "Shiyu and I can easily handle this."

Li Shiyu seconded the motion.

"In addition, regarding the price, we implement two pricing methods. For example, room 201 on the second floor, with an area of ​​120 square meters, would cost 100 million if you are an employee of our Wugengtian Group, but it would cost 128 million if you are not an employee," An Wuyang explained the pricing issue again.

"Is this a price increase?" Hou Yuanxin wondered.

An Wuyang denied it, saying, "No, no, no, this is a simple numbers game. By comparing the two prices, we can create a 'low-price effect' at zero cost."

"Like the 'member price,' this low-price effect will make some buyers feel like they're getting a good deal, thus improving their home-buying experience," An Wuyang added.

"As for those customers who want to buy at high prices, we don't need to manage them too strictly. For example, they can use the purchasing qualifications of some of our employees, since not all of our employees will buy houses," An Wuyang added.

"This will actually boost sales. After all, a house that originally costs 128 million can be discounted by 28 by using tricks to gain the right to buy it. Isn't that a huge profit?" An Wuyang joked.

Zhu Guanghao gave a thumbs-up and exclaimed, "Brilliant! Brother Wuyang, your strategy is too brilliant!"

The other three also seconded the motion.

"Everyone will be busy from now on. You guys should first select building material suppliers, while we'll contact architectural design companies to design our new urban area. At the same time, we'll contact the corresponding construction teams, and we'll try to start construction after the New Year," An Wuyang explained the plan.

Hou Yuanxin readily agreed, "No problem. After we get back today, we will start screening the corresponding building material suppliers, as well as the subsequent decoration material suppliers and decoration companies."

How could they not be enthusiastic about making money?
As for their status preventing them from participating in the business world...
Why are some people always so naive?

It was nearly four o'clock in the afternoon.

Xia Yuqing, Mu Caiyun, and Pei Yunqian returned together, all three of them missing their flight.

This time, An Wuyang didn't laugh at Xia Yuqing. Instead, he comforted her and encouraged her to try harder next time.

If he makes fun of Xia Yuqing again at a time like this, then Xia Yuqing will make him work out properly tonight!

The group returned to the main city on an Airbus H-225. An Wuyang did not invite them to dinner that night, because he guessed that these guys from the Shengqing Circle needed time for an internal dinner to distribute their share of the pie.
In fact, An Wuyang was right!
Meanwhile, at Shengqing Commercial Bank, Zhou Xiang and his father Zhou Sheng were nearing the end of a loan discussion meeting regarding the Tianjingyan New Town project.

They have developed a loan plan for this project and offered a very flexible repayment option.

Zhou Sheng looked at his son Zhou Xiang, feeling somewhat emotional. If this loan project went smoothly, he would have the opportunity to be transferred from the Beiyu branch to the Shengqing headquarters.

Because he has achieved very good results in the projects promoted by Wugengtian Pharmaceutical Group, he already has the qualifications and achievements for promotion!
"Xiao Xiang, send our proposal to President An. Remember to be polite; their status is different now!" Zhou Sheng reminded him.

In just over half a year, Wugengtian's development has undergone earth-shattering changes.

The influence of Wugengtian is too great now, and Zhou Sheng is worried that Zhou Xiang will not recognize his own limitations!
Zhou Xiang responded affirmatively, "Dad, don't worry, I know."

Zhou Sheng didn't say anything more; he just patted Zhou Xiang on the shoulder.

Zhou Xiang reviewed the entire loan project information again, then sent it to An Wuyang and sent a message.

Zhou Xiang: Mr. An, we have prepared a loan plan. Please take a look when you have time.

While Zhou Xiang was sending the message, An Wuyang had some free time. Xia Yuqing was practicing dancing, and An Wuyang happened to be checking the loan proposal that Zhou Xiang had sent.

An Wuyang quickly reviewed the loan proposal sent by Zhou Xiang. The proposal was very simple, without any cumbersome wording or rules, and was full of sincerity.

Because tricks are for ordinary customers, while sincerity is for big customers like Wugengtian. Using tricks on big customers would offend them.
An Wuyang sent the loan plan to Li Shiyu, asking Li Shiyu to forward it to others. He also sent Li Shiyu two invitation codes for the Xiaobaige app, which enabled Hou Yuanxin and Sha Yantao to register for the Xiaobaige app.

An Wuyang plans to establish a management communication group for the Tianjingyan New Town project to facilitate information exchange among them.

(End of this chapter)