After Han Lie entered Liu Minghao's circle, the chat content suddenly became wild.

This group of people does everything, but people like Sun Changzhe who open restaurants are completely the dregs of them.

The moneylender and the real estate person had a good conversation.

Those engaged in international labor export and study abroad agencies have a common language.

The most ruthless guy is mining in Africa, and not in the five North African countries with better security, but in Sudan, Congo, and Chad.

The richest one runs a vegetable wholesale market.

Amazing, right?

Han Lie was actually surprised, but that guy had more cash flow than the mine owner, and his wife owned four or five buildings.

——Not a set of buildings, but really several buildings!

"What kind of private equity and stocks are you doing? I don't understand!"

The short, plump and stocky Cai Ye is very straightforward and possesses a quaint air that is rare among men in Shanghai.

"But I trust Lawyer Liu. How much money your company will be short of when the time comes, I will make up for it for you!"

Good guy, I don’t know how to respond to Han Lie’s treatment...

Just say no, they will give you face.

Don't refuse, I really don't need your little money from selling vegetables...

Compared with the enthusiasm of the disheveler, the loan-lender seems to have a high opinion of himself.

"Little brother, can your fund guarantee a minimum of 20% a year?"

"cannot."

Han Lie chuckled and shook his head.

"Tsk, tsk, tsk..." Hanging Man sighed in a pretentious manner, "Looks like he's quite high-class, but it turns out he's also earning hard money..."

Han Lie immediately understood that this hanging man regarded himself as a competitor.

Hey, that’s interesting!

Nowadays, those who engage in large-scale private loans do not use their own money.

Who has 100 million yuan to lend out?

A maximum of 50 million will be released, and it will only be released to those who are particularly successful and have strong connections with collateral, earning a low interest rate of 123%.

What should we do with the remaining customers who are at higher risk?

Go outside to raise funds!

A dozen points are invested in, and 25 points are released to make a profit.

The best players are those who can get money from banks.

You can get it at an annual interest rate of a little over 6.00 p.a. and sell it out at 10.00 p.m., making a lot of money.

Players who are not so good can only find money from outside, and the cost is relatively high.

However, as long as you can find money, you can still make money no matter how high the cost is. It is better than just staring blankly when you can't find money.

Therefore, people in this industry are always very nervous about the money in their network. Their network is only so big, and the money they can raise is limited. The more they are ripped off by others, the more money they can borrow.

few.

If you can't raise money, you can't make a loan, and if you can't make a loan, you can't make money. Isn't that uncomfortable?

In fact, Han Lie didn't want to take those messy money at all. He didn't like anything else.

Uncle Lie will not accept money without additional added value.

But the hanging man obviously didn’t know, let alone believed it, because when other people engage in private equity, they are really poaching and stealing money, and they dare to use any tricks.

So this is actually a misunderstanding. The other party underestimated Han Lie too much.

Brother Lie doesn't intend to explain, are you worthy?

"Not as hard as you."

Han Lie chuckled and glanced sideways, without giving him a serious look.

"You use an annual interest rate of 20 to finance, but you can't lend it out for 25? Even the real estate company can't afford this cost, right? How many lawsuits do you have to fight in a year..."

"Grass!"

The hanging man became anxious and his face turned red.

"Do I need to file a lawsuit? My little brother, go to Qingpu and Yangpu and ask around. Who dares not to pay the money that Yang Zhi owes me?!"

He is anxious! He is anxious!

Han Lie immediately realized that this guy was of no class.

He glanced sideways at Liu Minghao. Old Liu was smiling and watching the fun, with no intention of stopping him or trying to smooth things over. He suddenly knew what was going on.

The conclusion is simple - Liu Minghao can suppress this hanging man!

If it was a real big boss who couldn't afford to offend, Liu Minghao would have stepped forward to smooth things over.

No, if he were a real boss, he would definitely not be so sensitive and eager.

Since you can afford to offend him, let's just walk him for fun, and save a bunch of local snakeheads from thinking that we are too young to use Brother Lie as solid food.

Thinking of this, Han Lie's smile deepened.

Glancing quietly at the real estate developer who had a worried look on his face but still had a calm demeanor, Han Lie rounded his arms and slapped him.

"Don't be excited, let me settle the account for you——

The real estate market this year is indeed not good, with both volume and price falling. Many real estate companies are short of money, and bank credit is also tight.

But I just work in finance, so I don’t know how to raise money.

You can't get low-interest loans, but as long as the company has real estate under construction, it's still easy to find funds from more than a dozen locations.

Come, let me teach you how to play——

The first step is to find a reliable expert, negotiate with brokers and trusts, and start an ABS project.

The funds collected from the future sale of the property will be used as the source of repayment, and the equity of the parent company or the assets held by the land, property management company, parking lot, etc. will be used as the project guarantee.

In the second step, once you have the project, let’s take it out.

It can be sold in pieces to the basic citizens, or it can be sold in packages to large households.

Nowadays, state-owned enterprises are not short of money. Even if they are short of money, they can still get loans.

Find a state-owned enterprise that is willing to cooperate to provide loans. The annual interest rate they receive is 4.2%. If they invest it backhand in our project, they charge 8.5%. Is that fair?

What the brokerage does here is a channel and charges a channel fee of 1%.

The trust is responsible for the project main body and credit enhancement, and charges a service fee of 2.5%.

Experts are busy working back and forth, so charging 1% is not too much, right?

After the entire project is completed and 1 billion is raised, the total cost is 13%.

If the company's qualifications and assets are really not good and the cost has to be higher, 18% can always be achieved, right?

If it really can't succeed, it is an insolvent leather company, and even gods can't do it.

You see, 13% of the lucky ones can get the money, and the 18% of the unlucky ones are enough. What about you?

You gave 20% when financing, and 25% will be given to others. Who will you give it to?

If someone really wants it, they must be so poor that they don't even want it. If something goes wrong, how will you recycle it?

Lawyer Liu can help you with the lawsuit, but the court won’t be able to generate money through enforcement, right?

What's going on, are you planning to send that whole family to the mine master to mine and pay back the money?"

"Ha ha ha ha……"

As soon as Han Lie finished speaking, there was a burst of laughter around him.

Among them, the mine owner laughed the most. He touched his scalp, which was glowing blue, and took part in it as if he was just watching the fun and not taking it too seriously.

"That's a good relationship! I'm in dire need of miners there. Lao Yang, please send a few more to other places. When the time comes, get me a container to ship over by sea. I'll take them all!"

"you you you……"

Yang Zhi was so angry that his mouth was filled with tears. He glared and finally managed to say: "Who can brag and ride a horse?"

He didn't believe it, but the real estate agent named Gu Yong suddenly jumped over, grabbed Han Lie's hand, and asked eagerly: "Teacher Han, are you sure you can do this?"

Han Lie waited until he reached the rightful owner, smiled meaningfully at Yang Zhi, and then responded to Gu Yong.

"Of course, there are no policy issues.

As early as December 2005, China Construction Bank issued the first "Jianyuan 2005-1 Personal Housing Mortgage Securitization Trust" in China. After 6 years of piloting, new guidance was issued in May 2011, and the ABS project body expanded.

In the second half of last year, the Shenzhen Stock Exchange issued its first trust project focusing on real estate projects under construction by real estate companies, and the industry responded enthusiastically.
To be continued...