Gulu, Gulu, Gulu...

My Adam's apple slides up and down, and I drink a glass of cold water.

Liang Xin let out a long breath, then threw the disposable water cup in his hand into the small trash can in the corner not far away, then turned and walked back to the chairman's room, brought his special large kettle, and filled it with hot water.

.

I haven't been to the company for a week, and the kettle is as clean as ever. I don't know if Xiaofang is cleaning it or the cleaning lady here is cleaning it.

If it is the former, Liang Xin is a little worried. If one day he and Chen Guangjian have a major conflict of interest, Xiaofang will take the opportunity to poison the kettle, which is really dangerous; and if it is the latter, Liang Xin is also very worried.

If the cleaning lady is in a bad mood one day, or suddenly feels hatred for the rich without any reason, she will secretly put feces into the kettle. Not only is it very dangerous, but it is also really disgusting...

Of course Liang Xin is not delusional about being victimized, but the probability of such a thing happening is actually not low.

Especially when the light of money obscures a person's appearance, everyone around him can easily become enemies in a certain sense. In the past two months, Liang Xin heard people call him Mr. Liang every day.

The joy and pride, then the habit and calmness, and now at this moment, have quickly transformed into unreasonable fear and panic.

A technician almost destroyed the entire classmate network just because Chen Guangjian owed him wages. If a bigger conflict breaks out in the future, Liang Xin simply cannot imagine what kind of unreasonable death he will die in this life.

this world.

But if we talk about it the other way around, what if we don’t have money?

——That is obviously more painful.

so……

In this life, people are always running from one extreme to another.

Where is the real optimal solution?

They are all struggling in this world...

"So I choose to die nonsense but richly."

Liang Xin sighed and shook his head. He searched in the tea room and found a box of good tea. He grabbed a large handful and brewed a pot of good tea. It smelled different from the tea that can be bought for twenty yuan in the market.

Sensing the aroma of a large bag of tea stems, he took a small sip, and then exhaled with satisfaction, "Sure enough, it's better to have money!"

He held the kettle in one hand and grabbed the edge of the hot tea cup with a few fingers in the other hand, and walked quickly back to the chairman's room. After sitting down, his thoughts finally returned to the right track.

Sitting in the empty room, Liang Xin began to think calmly about how to go next.

Over in the capital, Chen Geng is actually not completely reliable. This cousin just has courage, but courage does not mean ability. And Lao Liang is actually very capable, but Lao Liang has been disabled and suffered

Due to the ceiling of cultural level, his ability may not be applicable in all scenarios. But at the moment, only Chen Geng and Lao Liang can use Liang Xin.

Therefore, there is nothing to worry about in terms of "people". There is no point in worrying about it.

Liang Xin put aside his worries about Chen Geng and Lao Liang, and then thought about the house over there. To buy a large enough quantity, it would probably take two or three months at the earliest. It is November now, so he has to wait until the basic building is completed.

Taizi, it’s almost time to celebrate the New Year.

In addition, during this process, it is still unknown whether real estate mortgages and company guarantees can be used to roll up this snowball that is close to a Ponzi scheme. Even after the snowball rolls up, the monthly payment will be

Capital costs and leverage costs - in human terms, that is, the interest owed to the bank. Can we guarantee to pay it back on time and insist on paying it back until the day when the house price increases? I am afraid that the risks and pressures here cannot be completely avoided, and we must always pay attention to it.

Be careful of unexpected troubles.

Liang Xin took out a pen from the pen holder on the table and started turning it subconsciously.

He carefully recalculated all the financial details of the business.

How much interest can be deducted from the rent of the rented house? I heard that the rent there now is about 50 yuan per square meter per month? So a house of 50 square meters can be rented out for about 2,500 yuan per month.

months.

As for the banks here in W City, the current commercial loan interest rate is about 12% to 18% on average annually. If you can find a way to get it from an acquaintance, the average monthly payment is about 1% of the total loan amount.

Using a 50-square-meter house in the capital as a mortgage and lending approximately the same amount, you need to repay a house price worth approximately 0.5 square meters every month, which is about 3,500 yuan. So based on the most optimistic model, here is at least

This creates a capital hole of "an average of 1,000 yuan per house per month." Based on this amount, if you hoard 200 houses, the leverage cost you need to pay every month is exactly 200,000 yuan!

So how should we fill the hole of 200,000 yuan per month?

Liang Xin took the pen and tapped it on the table.

In the most ideal situation, he would definitely have to spend his own money to put it into it - but based on the current dividends of Dianka, he would only get about 100,000 yuan per month at most, and if he put it in like this, Chen Geng's share would be

How to calculate the shareholding ratio? If he just blindly invests funds and Chen Geng continues to maintain 5% of the shares, wouldn’t he suffer a huge loss?

Liang Xin thought for a while and shook his head.

It’s not a loss, because no one can replace Chen Geng’s role now.

And more importantly, even if he poured money into it from his own pocket, it would only be 1.2 million in half a year.

The bigger question now is, where can I get this 120?

Calculated based on his 100,000 points card bonus each month, how should he solve the remaining 600,000? Thinking about it this way, even under the most ideal situation, it seems that he has to use "make up for it"

Dafa."

We have to find another bank and lend an additional 600,000 in cash to bridge the 600,000 hole.

Commonly known as crossing the bridge.

But then again, the above are still the most optimistic model deductions.

What if you are not optimistic?

What if you can't borrow the money halfway, or the bank's loan interest rate is higher than 12%, or you just can't borrow the bridge toll? Should you reach out to Chen Guangjian and tell him that you will use the assets of Sanjin Company as a guarantee?

, and the lever derailed and his life hung on the line? Then why should Chen Guangjian cut off the thread hanging on him on the spot and let him breathe his last breath?

Liang Xin shook his head, to be honest, at this time, it would be better to go to Chen Guangjian than to a loan shark...

"well……"

As time passed by, a deep sigh sounded in the chairman's room, which was slowly darkening.

This voice echoed in the empty company, and it sounded strangely intrusive.

But the person who started it seemed unaware.

A firm materialist, he has never been afraid of Ah Piao, only afraid of lack of money...

Liang Xin suddenly discovered that when he was drawing a pie for Lao Liang and Chen Geng, all the risks and accidents that he had just thought about were all things he had never mentioned before. He even suspected that he had even hypnotized himself,

He deliberately buried all these difficulties deep in his heart. It was only at this moment, when there was no one around him, that he clearly realized how fragile his plan was. No matter what was in it,

If there was even the slightest problem in any part of the process, he would be completely ruined.

And thinking about it in reverse, Lao Liang's choice may actually be more correct.

After all, if you quit now, it's still too late - I have only bought three houses in the capital, all of which were fully paid, and there is no systemic risk. As long as you wait for the appreciation in value, you can hold those three houses in your hands.

In ten years, it can increase at least seven or eight times.

More than one million turned into 7.8 million...

Seven or eight million...

Damn it! It’s not the seven or eight million I’m short of!

Liang Xin's mental state gradually began to break down, and he quickly took a deep breath.

After a moment of silence, he shook his head again, and his thoughts flew to his classmates' network again.

The financial situation of the classmates network is also extremely critical to his next plan.

He must allow the performance of Tongtong.com to fully and sustainably develop before he has a chance to successfully get money from the bank.

As for the bet with Chen Guangjian, Zhou Xian and Kang Ming, it is completely secondary -

Of course, it would be best to win the bet.

In addition, Liang Xin is currently extremely struggling and hesitant in his heart as to whether to apply for friend addition through other external forces such as Dongfeng Investment.

If funds are introduced to further expand Tongtong.com, it will obviously be more conducive to him getting money from the bank, and it will also completely eliminate the worries of Tongtong.com going bankrupt in a short period of time due to insufficient funds. But the problem is that if the other party really joins,

Then the possibility of his plan to use the website as a guarantee to be exposed is greatly increased.

Maybe by then, I might actually go to jail...

——Speaking of concealing the company’s shareholders and using the company’s common interests to make ultra-high-risk leveraged investments, what kind of crime is that?

Liang Xin suddenly wanted to call Wu Keyong and ask him for professional consultation...

But now asking Professor Wu for consultation, isn't that equivalent to committing suicide?

"Well..." Liang Xin was halfway through complaining. He couldn't help but hold his head, rubbed it vigorously, and muttered to himself, "The fine line between success and failure in life is so damn exciting..."

Bang! Suddenly, there was a sudden sound outside the company door.

Liang Xin suddenly raised his head and realized that his eyes were completely dark.

I don't know when, but it turned completely dark.

He raised his hand and looked at the time. It was almost seven o'clock.

In just the blink of an eye, he actually sat there for two hours?
To be continued...