Metropolis: Paying Off The Debt of Dad At The Start

Chapter 235

“How much does Lin always plan to reduce the interest?” a representative of the creditor asked.

“In this way, we can finance 1.2 trillion yuan in land. Of course, the financing interest rate must still be 10%!” Lin Feng said.

At present, the land financing of the normal real estate industry is 12% annualized interest rate, but Haoyuan Group requires 10%. The reason is nothing else. Haoyuan Group has abundant funds and is not short of money at all. People can do it completely with their own funds. Enough, no need to borrow money at all.

This is because the creditor took the initiative to find a door and insisted on financing Lin Feng with land. Lin Feng planned to finance the land.

[In fact, Lin Feng really wanted land financing. Land financing means that Haoyuan Group can get a large amount of cash. However, Lin Feng took the opportunity to lower the price in order to figure out the creditors and said that he had not found a new investment point. There is no need for land financing at all, just own funds are completely enough, deliberately pretended]

The creditor representative can send, which is not the backbone elite of the major creditors. Naturally, he knows Lin Feng’s conspiracy well, but there is no way. I can see through it without saying it. Moreover, now the initiative lies with Lin Feng. Lin If Feng is willing to borrow, he will borrow, and Lin Feng will not borrow if he is unwilling. No one can do what Lin Feng does.

So, the current situation is just like what one sentence says, you understand my wrong plan, I understand your pretending to be reserved, and both sides are acting foolishly and cooperating with each other.

Some people may wonder why Haoyuan Group borrowed 300 billion just now, which is also 10% interest. Now it borrows 1.2 trillion, or 10% interest. Obviously, the interest rate is equal to ethanol. How can this be called interest reduction?

This is completely logically unreasonable.

This is about the rules of borrowing and lending.

Loan interest is linked to risk.

The greater the risk, the higher the loan interest.

The lower the risk, the lower the loan interest.

For example, if a company has 100 million in cash in its hands, if it only borrows 10 million, it must be 100% repayable, right?

Since this company can pay back 100%, why is it still giving you high interest?

is not it!

People can pay back 100%, and there are more financing channels. Do you still ask people for higher interest?

The idiot is asking you to borrow money!

It’s 100% risk-free. You just make money if you borrow it. Whoever grabs this business is the one who grabs it. Therefore, everyone is willing to give low interest rates, as long as the bottom line is not low.

This is why Lin Feng borrowed 300 billion yuan and only gave 10% of the financing interest. There is no risk at all. Not to mention 10%, 9%, or 8% is not impossible, as long as the price is patiently negotiated.

And borrowing 1.2 trillion yuan is risky, unlike borrowing 300 billion yuan without much risk. Therefore, if the risk is high, it is impossible for everyone to be willing to give you low interest.

Let’s make it simple.

Borrow 300 billion, no risk, 10% interest

Borrowing 1.2 trillion yuan is risky, and the interest rate is 12%.

Originally borrowed 1.200 billion in interest, the annualized interest rate was 12%, but now Lin Feng is still asking for the same as borrowing 300 billion, 10%, isn’t this just a drop.

Therefore, it is not that the logic is different, and this lending rule is like this. The greater the risk, the higher the interest rate.

I heard that Lin Feng borrowed 1,200 billion and only gave 10% interest. Representatives of many creditors, look at me and I will look at you.

“Mr. Lin, this is 1.2 trillion yuan. Is the interest rate too low? Normally it is 12%. Like Hengtai, we all give it 13.7%. Of course, the situation of Haoyuan Group is better than that of Hengtai Group. If we don’t, let’s take a step back. What do you think about 11%?” “A creditor representative said.

You know, how much is 1 point, 12 billion in interest!

Therefore, the representatives of the creditors and Lin Feng, can it be a tug-of-war on the price because of this one point.

“No, my bottom line is 10%. If you are willing to borrow, just borrow, and if you don’t want to borrow, even if you don’t!” Lin Feng said very hard.

Now the initiative is in Lin Feng’s hands. It is a question of whether Lin Feng is willing to borrow, not a question of whether the creditors are willing to lend. Therefore, as the demanded party, Lin Feng’s attitude is naturally very tough.

“This…” The representatives of the creditors, you look at me, I look at you, and then discussed with each other.

Then watching them discussing, Lin Feng smiled secretly in his heart, and how to say something, don’t worry, let the bullet fly for a while.

After more than ten minutes, the representatives of the creditors had almost reached the discussion and reached a common opinion.

That is %, everyone unite, no one should stabbing a knife in the back.

In other words, this group of creditors has a unified asking price, which is %. If you want to borrow from Haoyuan Group, you can borrow, even if you don’t borrow, none of their creditors can temporarily betray and stabbing a knife secretly, otherwise everyone will suffer in the end.

“｀ ¨ %, this is our last constant resolution, we must not give in!”

“Mr. Lin finds everyone at the same price!”

A representative of the creditor straightened his chest.

The latter half of his sentence is threatening. What do you mean, our creditors are the entire domestic financial sector. You either don’t borrow, or you can only find us if you want to borrow. Now we have a unified asking price%, and you must agree to it. , If you don’t agree, you have to agree.

Hearing this, Lin Feng showed a faint smile on his face, and then didn’t say anything, just faintly opened the thermos cup in his hand and drank the Dahongpao tea soaked in it.

The representatives of the creditors at the scene were all watching him quietly.

After a long time, Lin Feng tightened his teacup.

“I borrow all from now!”

Lin Feng said lightly (good Li’s).

“Are you sure you will not give in?” Lin Feng asked.

“President Lin, we have already made a lot of concessions. It was originally 12%…” a creditor representative said.

“Well…” Lin Feng waved his hand, indicating that he didn’t want to listen to the other party’s nonsense.

“I remind you that Haoyuan Group has been building in CD City for four months, and many projects are almost completed!”

“You don’t have much time!”

Lin Feng said.

There was still silence in the audience, and everyone resisted not speaking.

“Well, I respect your choice. It just so happens that the CD market is currently in good condition. When the first batch of houses are sold, we don’t know how much cash we can collect. By then, you just want to lend me 1.2 trillion yuan. No chance!”

With that said, Lin Feng picked up the teacup and walked out directly. .