Hong Kong Giant Owl: Rebirth

Chapter 338 Risk Transfer
Qin Haoran's suggestion of letting banks provide loans to consumers to buy houses surprised Bao Yugang and the others, because none of them had been exposed to the consumption method Qin Haoran mentioned.

In fact, what Qin Haoran used was nothing more than a method commonly used in the real estate industry in the future.Homebuyers take out loans from banks and then use those loans to pay for the purchase of the house.Then, the buyer repays the loan to the bank in installments.

"Loan is the first business of the bank, and the bank must hope that this business can grow rapidly." Qin Haoran said: "However, the bank will not just lend to anyone, which requires us to act as a bank and buy a house On the one hand, we can establish a cooperative relationship with the bank; on the other hand, we have also made a relevant agreement with the buyer. Before he repays the bank loan, he cannot really get the house. And this property right is in the hands of the bank before the loan is repaid, since the bank finances the loan to the buyer to buy the house.”

After a pause, Qin Haoran continued: "If you really can't pay it back, then the bank can take the house back and sell it to settle the debt."

Listening to Qin Haoran's explanation, Li Jiachen, Zheng Yutong and Bao Yugang were all very enthralled. They never thought that the house could be sold like this.

Hearing Qin Haoran laugh again: "In this way, we are actually selling the house to the bank. The bank has very strong funds, so they can afford our house, so what else do we have to worry about?"

"Tsk tsk, Haoran, your skill is too good!" Li Jiachen blinked his eyes and said sincerely.

Qin Haoran's method can indeed solve all the problems.With the growth of Hong Kong's population and economic development, people's demand for housing is bound to increase.And if there is Qin Haoran's method, even if those ordinary citizens don't have the money to buy a house at once, they can still pay for it by borrowing from the bank.

If there is no barrier to purchase, the market will naturally be fully stimulated, and Qin Haoran and the others will no longer have to worry about no one buying the real estate they develop.

"However, this house is not an ordinary commodity after all, and a basic threshold needs to be set." Qin Haoran added: "Otherwise, if those who did not have the ability to purchase successfully borrowed money and failed to repay it in the end, it would cause serious damage to the bank. A large number of bad debts. Although it is not our direct responsibility, it will also affect our cooperation with the bank. Therefore, buyers must pay part of the house payment themselves before they can apply for a loan from the bank.”

Bao Yugang said: "Then the threshold can be a little more flexible. We can ask them to pay [-]% to [-]% of the house price before taking a loan from the bank, so that we can filter out those who cannot afford it."

Qin Haoran nodded, although for ordinary people, [-]% to [-]% of the house price is still not a small amount, but today's real estate has not really been developed, so its housing prices are far from being as unattainable as in the future, At least the average citizen can afford it.

"Then should we set up the company first?" Li Jiachen said: "Since Haoran thought up this most critical decision, and I think that among us, Haoran has the most abundant funds in your hand, Therefore, it is only natural for you to be the largest shareholder of this company and the chairman of our board of directors."

This is naturally within Qin Haoran's expectation, he must hold the control of this company in his hands.After neither Bao Yugang nor Zheng Yutong objected, Qin Haoran said with a smile: "Since that's the case, then I won't pretentiously refuse."

Everyone nodded, and Zheng Yutong said again: "Well, let's decide on the distribution of the company's shares according to our respective investment ratios. On my side, I can come up with 2000 million Hong Kong dollars."

Li Jiachen also said: "I can take out 500 million."

"Brother Bao and I together can contribute 15.00 million." Qin Haoran said: "Let's see it this way, Brother Zheng, you account for 20.00%, Brother Li, you account for 20.00%, Brother Bao accounts for 40.00% five, and I Accounting for [-]%, what do you think?"

No one had any opinion. After all, the main development direction and strategy of this company were determined by Qin Haoran, and Qin Haoran accounted for the majority of the investment, so it was only natural that he became the largest shareholder.

In addition, after discussion among the four of them, it was decided to name the company "Xintiandi".Qin Haoran, Bao Yugang, Li Jiachen and Zheng Yutong form the board of directors, with Qin Haoran as the chairman of the board and Li Jiachen as the executive director.

The four of them have great ambitions for the real estate field in Hong Kong, so the development plan of this "Xintiandi" is also very grand.However, the first step in realizing this plan is the construction of human resources and various functional departments.

Fortunately, the four of Qin Haoran are not ordinary people in the mall, and they all have extremely extensive contacts in their hands. Although it is not easy to recruit enough talents, it is not too difficult.

Qin Haoran said to the other three people: "In addition to the search for talents, the first part of our 'Xintiandi' development has to be divided into two steps at the same time. The first step is the company's registration. I have some friendship with Angus from the Industrial and Commercial Bureau. , so just leave it to me. On the other hand, we need to discuss cooperation with the bank. After all, we will sell the house in the future, and the support of the bank is essential."

"Then which bank should we choose to cooperate with? Or cooperate with several banks at the same time?" Zheng Yutong asked.

"The number one partner is of course Hang Seng Bank." Qin Haoran said with a smile: "After all, we have a good relationship with Sanders of Hang Seng Bank, so let Brother Bao do this. Besides Hang Seng Bank, we can also choose One or two banks will act as a backup, and this will also put some pressure on Hang Seng Bank to encourage them to cooperate with us."

Bao Yugang nodded and said, "Leave this matter to me. Sanders is a man with great vision. Our business can bring such a generous return to their bank. They will definitely not refuse."

"While implementing this link, we have another thing to do." Qin Haoran said seriously: "It is to reserve land. After all, we always need land if we want to build a house. Brother Li, Brother Zheng, this matter I leave it to you. You have to choose land with potential in Hong Kong Island and Kowloon, and then negotiate with the government. You can use our company’s existing 4000 million to buy land. Of course, you have to try your best Keep down the land price so that we can buy the most land with the least money.”

Qin Haoran shook the wine glass in his hand, raised his head slightly to look at the blue sky above, and said, "As long as we have sufficient land reserves, even if more people get involved in the field of real estate in the future, we can maintain our advantage .”

"Haoran, land reserves are important, but we have used all the company's money to buy land, so how can we have money to build houses in the future?" Zheng Yutong said with a frown.

"Brother Zheng, don't worry, I won't do anything I'm not sure about." Qin Haoran said confidently: "We will definitely not have a broken capital chain by then. There are still enough funds on hand for emergency, so you don't have to worry about it."

Knowing that Qin Haoran already has a countermeasure, and that the land reserve is indeed very critical, Li Jiachen and Zheng Yutong also believed in Qin Haoran.What's more, Qin Haoran has also invested 1 million yuan in "Xintiandi", and he will definitely not do business at a loss.

"One more thing, everyone, what we are talking about today are all commercial secrets. If people outside know, they will probably use this strategy to enter the real estate immediately, and they will pose a threat to us at that time." Qin Haoran said : "So everyone, be careful when you go back, and don't reveal what we discussed today."

The three of Bao Yugang are people who are used to storms, so they naturally know the importance of this matter, so they all nodded at the same time.

After discussing the specific matters, Qin Haoran said with a smile: "Next, we will split up and get the company's structure up as soon as possible. Come on, brothers, let's drink for the smooth sailing of our business!"

"it is good!"

The four of them raised their wine glasses one after another and collided with each other in the air, making a crisp sound.

Now that the business is done, it's time to relax.Qin Haoran's men had already launched the "Golden Seahorse" into the sea, and it was sunny and sunny, so Bao Yugang took out the fishing tackle that had been prepared, and started fishing with Qin Haoran and the others on the deck.

Since they were discussing important matters today, they didn't bring their family members out, let alone those beauties who could only enliven the atmosphere. After all, the atmosphere between the four of Qin Haoran didn't need to be enlivened by those courtesans. Fishing and chatting together on the boat can make them feel better.

"By the way, Haoran, I heard from that boy in Langang that you have been very close to Miss Shen from the 'Heshengtang' recently?" Bao Yugang suddenly said to Qin Haoran.

Qin Haoran laughed and cursed: "That guy from Langang knows how to talk too much, next time I see him, I have to clean up."

"I just said that you are very popular with women, you can always surround yourself with different women, and all of them are so beautiful." Bao Yugang laughed.

Qin Haoran scratched his head: "Isn't this attraction of the opposite sex? It's hard for me to control it too. By the way, Brother Bao, there will be a Cantonese opera starring Ren Jianhui tomorrow, or the classic drama "Dream of Red Mansions". Danfeng will go, do you want to go with sister-in-law?"

(End of this chapter)