Reborn as a landlord in Shanghai

Chapter 113 Refinancing

Saturday and Sunday are Du Yue and Peng Yu's days off. Du Yue learned from Mao Xiaoyu that Mao Xiaoyu had already paid the deposit and thus secured the two village houses.

Du Yue was delighted and immediately began to study which village house to use as housing and which to use as office space.

Once he took charge, he studied the situation and determined that the houses in the east of the village would be used as residences, while the houses in the west of the village would be used as offices.

After the purpose of the two village houses was determined.

Du Yue was thinking again about what would happen if the three of them lived in a village house.

Who lives on the 1rd floor?

Who lives on the 2rd floor?

Who lives on the 3rd floor?

Du Yue studied for a long time but still couldn't figure out who slept on which floor. In the end, she determined by catching turtles, that Du Yue lived on the 3rd floor, Mao Xiaoyu lived on the 2nd floor, and Peng Yu lived on the 1st floor.

Actually, these village houses all have external staircases. They are sold by dividing the houses into floors, so it doesn't affect the other floors no matter who sleeps on which floor.

After the apartments were allocated, Du Yue started thinking about the size of the rooms and what kind of furniture she should buy to suit her needs.

He even asked Mao Xiaoyu and Peng Yu if they wanted him to help them choose furniture, and kept asking them what kind of furniture they liked—Skylophisticated? Chinese? Or minimalist?

Finally, fed up with the constant nagging, Mao Xiaoyu snapped, "If we want to get this house, we'll have to wait another month or two. Now you've bought furniture, where are you going to put it?"

Hearing where the furniture would be placed, Du Yue, who had been extremely excited, was a little dumbfounded. After all, the three of them were currently staying in a hotel, a room that cost 300 yuan a day, and these single rooms weren't very big to begin with.

If we buy furniture, it's definitely not possible to put it in the hotel.

Thinking of this, Du Yue immediately lost her nerve!

However, after being discouraged for less than half an hour, he regained his energy.

Although Du Yue ultimately gave up on buying furniture because there was still plenty of time, she figured it wouldn't be illegal to research interior design.

Since there was nothing to do on Saturday and Sunday, and staying in the hotel was boring, Du Yue wanted to ask Mao Xiaoyu and Peng Yu to go to the second-hand market or look at new furniture.

Even if I don't buy it now, at least I'll have a clear idea of ​​what to do. When I finally get the house, I can quickly buy furniture and move in.

Upon hearing Du Yue's suggestion, Mao Xiaoyu had no intention of doing such a thing. Last week, she had accompanied Du Yue to visit village houses for two days, and she was exhausted. If she were to visit them again this week, she would surely die.

He shook his head to indicate that he had things to do and needed time to deal with them. He suggested that if Du Yue was really bored, then Peng Yu could accompany her.

Whether Peng Yu is willing or not is none of Mao Xiaoyu's business.

After all, it's better to die for your fellow Daoist than for yourself.

Therefore, on Saturday the next day, Mao Xiaoyu simply left. As for whether Du Yue and Peng Yu would go shopping, that was none of her business.

Of course, Mao Xiaoyu wasn't wrong; she really did have things to do and didn't have time to go shopping with Du Yue on Saturdays and Sundays.

It's important to know that Mao Xiaoyu already owns 18 million Tencent shares, which, according to market value, far exceeds the amount raised. Not to mention, Mao Xiaoyu still has 28 million Hong Kong dollars left unused.

Anyone with a brain can see that Mao Xiaoyu definitely made a profit from this deal; it's just a matter of how much.

Therefore, a manager from HSBC's securities department approached Mao Xiaoyu, subtly and overtly asking if she needed further financing, and also explaining the benefits of financing.

Mao Xiaoyu felt it was only natural that the manager of HSBC's securities department would come to him. After all, anyone in the securities industry could tell that Mao Xiaoyu's two top lieutenants were really capable.

Therefore, they felt much more at ease about Mao Xiaoyu's financing application. Moreover, given how much money Mao Xiaoyu has earned, banks would likely offer to help her even more. So, it's understandable that they would want to lend her money to help her make some more money.

Meanwhile, Mao Xiaoyu also wanted to raise funds again. After all, she had two great talents, Du Yue and Peng Yu, at her disposal, and the free trial period was only two or three months. It would be too much of a loss not to maximize the profits during this period.

So both sides are sincere about cooperating, and they agreed to meet today. Mao Xiaoyu is prepared to clarify the financing matter, and if possible, they will sign the contract today and open it up, so that the financing amount will be in place on Monday.

Manager Ma, whose real name is Ma Chao, has been a manager in the securities department of HSBC for more than ten years. Among the dozens of managers in the entire securities department, his position is neither high nor low.

I heard a rumor a while ago that two brilliant geniuses from the mainland were promoting a brand, specifically managing the business for a young man from the mainland, and making a lot of money.

Upon hearing this news, Manager Ma inquired a little, and after finding out the information, his eyes lit up, and he felt it was an opportunity.

That's why he invited Mao Xiaoyu to dinner time and time again, hoping to also hitch a ride and make some money.

Yesterday I finally received a call from Mao Xiaoyu, and we agreed to meet at the coffee shop next to the company at 9 a.m. today.

Manager Ma didn't sleep well all night because of this, all for the sake of securing Mao Xiaoyu's financing deal.

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At 9 a.m., in a coffee shop not far from the HSBC Stock Exchange.

"Boss Mao, did you call me out this time because you're planning to raise funds from me?"

After their coffee was served, Manager Ma couldn't wait to ask.

After all, everyone needs to make money. Manager Ma came over hoping that Mao Xiaoyu would raise funds through him; otherwise, he wouldn't have contacted Mao Xiaoyu.

"Manager Ma, let's be frank, I am prepared for this. As you can see, the stocks I own now already exceed the amount I borrowed. In my opinion, as long as there is no global stock market crash, my stocks should be fine."

Although this round of financing seems very risky, it's actually quite profitable. So I think I can make a big one, and I plan to use an offshore company to raise funds again to buy shares.

"Because we have a very good working relationship with HSBC, I still think of HSBC when it comes to financing. Therefore, I asked Manager Ma for help with this financing." Mao Xiaoyu took a sip of coffee and said.

In fact, Mao Xiaoyu doesn't really like the current financing situation, being monitored while making money, or the exposed offshore companies.

After all, anyone with a keen eye could easily find out that these companies all belonged to her. Mao Xiaoyu preferred to hide her assets, which were essentially self-deception.

But sometimes you can't hide things just because you want to. Like now, there's no way around it. She doesn't have enough funds, and Mao Xiaoyu needs these big banks to finance her, so she has to expose her true colors to everyone.

After all, big banks aren't stupid. Why would they lend money to an unfamiliar offshore company account? They would only lend money if the account had a guarantor or someone famous.

That's why Mao Xiaoyu thought about it for two days and finally decided to use her offshore company in the British Virgin Islands to borrow money.

After this company has absorbed enough Tencent shares, Mao Xiaoyu will have someone enter Tencent, and the shares of this offshore company will no longer be sold.

This offshore company will be my most publicly exposed asset company in the future. As for the real hidden company, I'll set that up when I have spare cash.

"Mr. Mao, you said you want to raise funds again in the name of the company. Could you please tell me the name of the company you want to raise funds from, and what its nature is?" Manager Ma asked, frowning.

Manager Ma frowned not because the matter was difficult, but because things had taken an unexpected turn. After all, Manager Ma had initially thought that Mao Xiaoyu was just adding to her own account, but now it seemed that she was preparing to open another account.

"It's an offshore company I registered in the British Virgin Islands called Orange Navigation Investment Limited. I plan to inject all HK$28 million into this offshore company next week."

"Of the 3 million, I'll use as a deposit; 25 million as the principal; and I'll use a 5x leverage ratio. I hope to obtain 100 million in principal from HSBC. As for the stocks, they will remain the same, under the supervision of HSBC." Mao Xiaoyu stated her requirements directly.

Manager Ma was quite pleased to hear Mao Xiaoyu's words.

There's nothing wrong with this deal.

Although the person has changed and an offshore company has been used, as long as the other party signs a contract, it doesn't really make much difference whether it's the person or the company.

Moreover, the other party has two skilled traders managing the market. As long as they play it safe, making money shouldn't be a problem. Since the other party is raising so much capital, their own bank can also earn some interest and transaction commissions later on.

Thinking of this, Manager Ma quickly replied, "No problem, it's a small matter. If Mr. Mao is in a hurry, we can sign the contract now, and HSBC will transfer the funds into your account before the Hong Kong stock market opens on Monday."

"Okay, let's sign the contract then," Mao Xiaoyu agreed.

Upon hearing Mao Xiaoyu's words, Manager Ma quickly took out the prepared contract from his briefcase and began to show it to Mao Xiaoyu.

Actually, there's not much to see in the financing contract. After all, Mao Xiaoyu has signed several financing contracts, and they're all pretty much the same; they're just template contracts.

As long as the loan amount, date, and interest are clearly stated, that's fine.

The interest rate for Mao Xiaoyu's financing this time is the same as last time, 7%, with no change.

Manager Ma originally offered an 8% interest rate for the financing, but Mao Xiaoyu did not agree. After all, the previous financing interest rate was only 7%, and it was from the same company. There was no reason for such a high interest rate this time.

After hearing Mao Xiaoyu's words, Manager Ma inquired further and confirmed that the previous contract Mao Xiaoyu had signed had an interest rate of 5%. In addition, since Manager Ma was also sincerely seeking financing, he modified the interest rate and finally finalized the contract.

After the finalized version of the contract was released, Mao Xiaoyu only spent half an hour looking at it before signing her name.

"Mr. Mao, now that the contract is signed, I'll go back and handle this for you. I guarantee it won't affect your trading when the market opens on Monday morning," Manager Ma said with a smile as he stood up.

"Thank you, Manager Ma." Mao Xiaoyu stood up politely and shook hands with him.

After seeing Manager Ma leave, Mao Xiaoyu sat down again.

He first took a sip of coffee, and then quietly began to think.

Mao Xiaoyu's decision to use a British Virgin Islands offshore company for financing and then use that company to acquire Tencent's shares was intentional.

After all, who among the wealthy doesn't have an offshore company?

Even if wealthy people know who owns and controls these offshore companies, as long as it's not made public, the Forbes rich list can't record their wealth.

Mao Xiaoyu wanted to become one of the top billionaires, so she needed a nominal offshore company. After much deliberation, she brought out this British Virgin Islands offshore company to show others.

In Mao Xiaoyu's view, so be it, they'll wait until they make money on the A-share market.

You can obtain citizenship in a small country, then register an offshore company in the British Virgin Islands under that small country's identity, and finally use these offshore companies to buy shares that you need to hold for the long term.

By then, those offshore companies will be the assets I truly need to hide.

As for the current assets, they are all publicly available and traceable. In fact, these assets are clean and there is nothing to hide.

After all, all the money I have now is only a few tens of millions. To be honest, this amount of money is really not much to some big shots. Therefore, it doesn't matter whether I hide my money or not.

When you have more money in the future, you will need to hide some of it so that people won't know how much money you actually have.

At that time, the entities that will be publicly visible are Orange Navigation Limited in the British Virgin Islands, Yingchun Offshore Company in Hong Kong, and Orange Investment Company in mainland China.

With these three companies, I believe I should be able to make a living both domestically and internationally.

The next two weeks will be dedicated to the sale of Orange Navigator Co., Ltd. At that time, all the funds raised will be used to buy Tencent A shares.

I believe Du Yue and Peng Yu will not disappoint me regarding the company's stock.

Thinking of Du Yue and Peng Yu, Shou Xiaoyu glanced at the sun outside. The sun was unbearable. She wondered if the two of them had gone out to look at furniture.

If these two people really do go to look at furniture, then Mao Xiaoyu wishes them good luck.

Thinking of this, Mao Xiaoyu decided not to rush back. If she went back, and the two of them hadn't gone out yet, wouldn't she be in trouble?

Instead of wasting time like this, you might as well stay in a coffee shop, enjoy the air conditioning, listen to music, and savor your own time.

And so, as Mao Xiaoyu listened to the music and watched the beautiful women passing by from time to time, she felt a unique mix of emotions.

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