Hong Kong Giant Owl: Rebirth

Chapter 337 The Solution
On this day, taking advantage of his free time, Qin Haoran asked Bao Yugang, Li Jiachen and Zheng Yutong to invite them over to discuss the matter of entering real estate.

The partners that Qin Haoran found were all historically important real estate tycoons in Hong Kong. Bao Yugang bought the land company that originally belonged to the Jardine Matheson Group in the 80s and [-]s, and entered the real estate industry on a large scale.Needless to say, Li Jiachen, Cheung Kong Holdings under his name is the most famous real estate group in Hong Kong.And Zheng Yutong's Sun Hung Kai Company is also a behemoth dominating one side, occupying a large area of ​​Hong Kong's real estate.

Among these few people, Li Jiachen and Zheng Yutong had a shallower relationship with Qin Haoran. Although they were friends, they were not as close as Qin Haoran and Bao Yugang, who could sacrifice their own interests for each other.

The few of them made an appointment to meet on Qin Haoran's "Golden Seahorse", because compared to other places, Qin Haoran's "Golden Seahorse" is the safest place, and they are not afraid of being overheard by outsiders content of the conversation.

Li Jiachen and Zheng Yutong boarded Qin Haoran's "Golden Seahorse" for the first time, and they were amazed.Although the two of them are already multi-millionaires at this time, because they are still in the difficult period of starting a business, they are busy with their careers on weekdays and have no time to pursue other enjoyments, so they don't have the time to buy a yacht.

"Haoran, your 'Golden Seahorse' is neither the largest nor the most expensive in the Hong Kong Yacht Club, but it has a unique style." Zheng Yutong said after boarding the boat.

Li Jiachen also looked at the golden pattern painted on the boat body with a horse on the upper body and a fish tail on the lower body, and smiled at Qin Haoran: "Boss Zheng is right, Haoran, your boat is very good."

"Thanks for the prize." Qin Haoran smiled and took out a bottle of red wine and a box of cigars, distributed them to several people in Baoyugang, and said, "Although this boat is good, it can't compare to the good wine and smoke. Come on, everyone, try it."

Everyone took a sip of the cigar, and all of them showed expressions of admiration. Bao Yugang smiled and said, "Hao Ran, this is an authentic Cuban cigar, and it tastes mellow enough!"

Qin Haoran smiled slightly. The red wine and cigars were all things he had searched from Cao Edong's ship before. Needless to say, those good wines, there were five or six boxes of Cuban cigars on Cao Edong's "Fire Dragon", but In the end, Qin Haoran was taken advantage of.

In the beautiful scenery of water and sky, enjoying these cigars and good wine, the few people began to talk about business.

I only heard Li Jiachen say: "Hao Ran, you told me before that besides Boss Bao, you also found a partner, and it turned out to be Boss Zheng from 'Zhou Tai Fook'."

On the other side, Zheng Yutong chuckled: "I didn't expect Haoran to come to me. He asked me if I was interested in real estate, and I happened to have plans to develop other business projects, so we hit it off right away. "

"Boss Zheng, the real estate industry has great potential." Li Jiachen immediately said, "The population of Hong Kong is increasing, and the houses at this stage can't meet people's needs at all. If things go on like this , The real estate market will definitely expand explosively. In addition, there are still few people involved in real estate, so our competitors are also few, which is a good time for us to enter.”

Qin Haoran nodded, took Li Jiachen's words and continued: "Nowadays, the real estate in Hong Kong has not been really developed. Most of the rich and wealthy simply buy the houses and rent them out. Therefore, the real estate The field is still in a relatively empty state, and there is a lot of room for us to develop."

"But housing is not a simple product, no more than buying a vegetable or a catty of meat." Bao Yugang expressed his doubts: "The vast majority of people in Hong Kong do not have the ability to buy housing, including those Most of the middle class just rely on renting houses to survive. If we really develop this area, will the market be able to absorb it?"

Bao Yugang had no intention of entering the real estate field. On the one hand, all his funds at this stage have been invested in the "Global Shipping Company" and cannot be transferred in a short time; on the other hand, he is not familiar with real estate and does not know Dare to try rashly.

Later, it was Qin Haoran who persuaded him and insisted on helping him to advance the funds, so that Bao Yugang joined Qin Haoran's team.

Qin Haoran now has hundreds of millions of Hong Kong dollars in funds, which can be said to be very abundant, and "Tianlang International" and "Kirin Club" can bring Qin Haoran a lot of income every month. These funds alone, It is enough for Qin Haoran to deal with the drug business.

Zheng Yutong and Li Jiachen both agreed with Bao Yugang's doubts, but Li Jiachen was very optimistic about it: "Now Hong Kong's economic development is getting faster and faster. I believe that within ten years, Hong Kong's economic Development will take off, and at that time, people's purchasing power will also be greatly enhanced. With the increase in purchasing power, their basic needs for basic necessities of life such as food, clothing, housing and transportation will also increase. Just like a person who originally lived in a wooden house area , when he makes money, he will definitely move out of the log cabin area and look for a new house."

Zheng Yutong frowned: "But the price of housing is not low after all. For ordinary citizens, the burden is too heavy. Even if people's income has greatly increased, the number of people who can afford a house is still only a minority. "

At this time, Qin Haoran spoke: "In fact, everyone's biggest concern is that very few people in Hong Kong can afford a house. Even if we build a house, it will be useless if no one buys it."

Seeing that Bao Yugang and Zheng Yutong nodded in agreement, Qin Haoran continued: "However, when we say that we can't afford a house, we just mean that it is difficult for ordinary citizens to come up with the money to buy a house at once. Most of the citizens have worked hard for more than ten years, and the accumulated money is definitely enough."

"But we can't wait until they have saved enough money to build a house and sell it?" Zheng Yutong said.

Qin Haoran laughed when he heard the words: "This is the crux of the problem. Actually, it's not that people can't afford a house, they just can't take out the money for buying a house all at once. As long as they have enough time, they can always save enough money. But we can’t wait for them to save enough money before selling the house, so we can lend them money first, let them buy the house, and then let them pay in installments Pay off those debts slowly."

"Instalment payment?" Bao Yugang, Li Jiachen, and Zheng Yutong were all very surprised by Qin Haoran's new thing.

Because since the opening of Hong Kong, no one has ever tried to buy a house by installment payment, and even other ordinary commodities rarely have such a consumption method.

Qin Haoran then explained: "That's right, since they can't take out the money all at once, just give them time and let them pay back slowly, pay a certain amount every month, pay it back slowly, one year If it doesn’t work, it’s five years, and if it’s not five years, then it’s ten years. If we can’t pay it back, then we will take the house back. As for the money they paid earlier, even if we refund it, we only need to refund a small part. Of course Now, since we are lending them money, the interest must also be calculated."

Listening to Qin Haoran's explanation of installment payment, everyone in Bao Yugang's eyes lit up, feeling that Qin Haoran had opened a new door for him.If the method of installment payment is used, most people can indeed buy a house, and in this way, the biggest doubt of Bao Yugang and the others will be solved.

Moreover, even if someone really can't pay back the money, Qin Haoran and the others can take back the house without any loss at all.

"This is indeed a very good method, but..." Li Jiachen rubbed his chin and said, "If we lend them money to buy a house, oh no, we don't actually need to lend them money. It’s just that they don’t collect their house payment at one time. But, Haoran, have you ever thought that when we invest funds in building houses, it will take more than ten years for consumers to pay off the house payment. In this case, our funds will return Didn’t it become extremely slow? It’s like putting all our funds in it.”

Hearing Li Jiachen's words, Bao Yugang and Zheng Yutong immediately reacted.The people who run the company are very clear that the most taboo thing in this business operation is the poor turnover of funds.The so-called poor turnover actually means that the funds are stuck in one place and cannot be withdrawn, just like the funds of Baoyu Port are all placed in the "Global Shipping Company", and Qin Haoran needs to advance the funds for real estate investment.

Once the capital turnover is not effective, it will make the operation of the enterprise sluggish, and even lead to the collapse of the enterprise.

Especially the development of real estate requires a huge amount of funds. Once they are stuck there, it will not be worth the loss for Qin Haoran and the others.

Qin Haoran admired Li Jiachen very much in his heart, thinking that this guy deserved to be the richest Chinese man in the original history, his vision was really unique, and he saw the key all at once.

But after all, Qin Haoran has nearly half a world more experience than these big shots. Of course, he is not afraid, just listen to him laughing: "This is also easy to solve, as long as we cooperate with the bank and let the bank lend money to those who buy houses. The people who are responsible for the debt are well, and then they will return the money to the bank. In this way, we don’t have to wait so long for our funds to return, and the debt risk is passed on to the bank. We don’t need to take this risk anymore. Anyway, we The house is sold and the money has been received, so what else is there to worry about? Let the bank do the work of collecting debts from those people."

(End of this chapter)