Thousands of lights illuminate the blue clouds in the night market,

There are many red-sleeved customers in high-rise buildings.

Li Xuewu could see a different kind of prosperity through the reports submitted by the port city.

Being drunk and extravagant is just an expression of exaggeration, but more of a confusion and thinking about the future.

This is a problem faced by contemporary Hong Kong people, and it is also a choice.

In the report, Sister Lou quoted financial and market development data given by local management departments.

Li Xuewu took a quick look and could sense a bleak and chaotic situation.

Of course, this data may also be mixed with some other subjective concepts, causing certain distortion.

However, from what we can see so far, as well as Lenovo’s big move to borrow money from Ng Fung Hong some time ago, we can know the current situation of the Hong Kong city’s economy.

In fact, the crisis started seven years ago and gradually evolved into the worst situation in 65 years.

Last year and this year, the economic market has already healed itself.

Of course, we cannot expect active intervention and coordination from local management departments. Even if there is, it is only for better grabbing.

The port city is more like a sponge. When it is loosened, it absorbs talents and funds. If it is squeezed hard, endless wealth will be squeezed away.

How to survive and live in these invisible hands has become the main theme of Hong Kong people's lives.

The self-healing of the market does not mean that the market has become healthy. On the contrary, various rejection reactions will occur.

For example, at the beginning of this year, due to the influence of regional ecology, Hong Kong City and Macao City were not able to adapt to the situation.

The Twin Cities once wanted to return management rights back.

Ji Weidong, who works in Hong Kong, feels this particularly clearly. The culture, port affairs and security he manages are among the most affected business fields.

Are confusion and analgesia necessarily bad?

This also depends on which market you are looking at.

Among the industries managed by Ji Weidong, port affairs must like stability and prosperity.

However, culture and security are dependent on a complex social environment, and can reproduce rapidly in this environment.

It is difficult to say clearly whether the current state of the port city is the best.

Even Hong Kong people themselves may not understand it, or they may not be able to distinguish it clearly.

Those who have a large amount of social resources in their hands are naturally happy about the current stage they are in.

For example, Hutchison is already planning real estate and integrating resources.

Although the Era system, which also controls social resources, rose very late, it is particularly strong.

In particular, the female president in charge of Oriental Times Bank is a leader of the times.

This strong woman in the economic field who rarely shows up and even rarely participates in social activities has a perfect combination of punches in the ups and downs of the market economy like a divine help.

No one knows her educational background, and no one knows the environment in which she grew up. It's as if such a person suddenly appeared from the Hong Kong market.

Somewhat similar to her appearance is the era business chain.

Many economists are studying and thinking about the root causes and development ideas of the rise of the era system.

But I can’t figure it out, let alone understand it.

The only thing that is certain is that the era department is not an investment department as rumored.

It's very simple. In the investment promotion system, this capital operation situation does not exist, even if there is partial business cooperation.

This also exactly illustrates the independence and reasonable status of era capital.

It has a good relationship with the Investment Promotion Department, and the projects it operates include investments from China Resources and Ng Fung Hong. It also relies on some special forces to control the transportation authority of ports and ships.

It is very special to operate an investment bank in a port city and realize capital expansion and investment operations one after another.

In particular, you can invest in docks and ship transportation, and you can also control the economic lifeline of the era of commerce and real estate.

Other investment areas include hotels, culture, electronics, security, etc.

Looking from top to bottom, it seems that there has been such a design from the beginning. In the past six months, the industries acquired from bargain hunting have been resource integration and equity redistribution and utilization with Oriental Times Bank as the main body.

Basically, the overall layout and adjustment of the Times economic industry has been completed.

Using shipping, port affairs and real estate as production channels, we will expand the in-depth development of cultural, security, electronics and other industries, and then feed back the rapid recovery and recharge of banking business.

What needs special attention is that after half a year of investment and integration, the non-performing assets included in Oriental Times Bank have completed the subcontracting and distribution process.

For those with integration value, establish new operating companies as a means to jointly develop and create profits with professional management departments.

For those that did not have integration value, Oriental Times Bank did not provide secondary financing, but directly bundled financial products and resold them to other banks.

Even though the losses in this part are relatively large, there is still a positive side. At least the credit and capital ratings given by Hong Kong City Financial have returned to a healthy state.

Watching Oriental Times Bank come back from the dead, there are rumors in Hong Kong that the shareholders behind it have invested at least one billion to bail out the bank, which is quite generous.

Anyway, if you pick and choose in Hong Kong City, you may not be able to find a big boss who just invests a billion.

This also makes Lou Xiao'e, the helmsman behind the Eastern Era Department, a mysterious figure.

One billion is thrown down and the effect is immediate.

What the newspaper said is not groundless and will naturally change Hong Kong people's impression of Times Bank.

The most direct feedback is that the deposit amount of Times Bank has skyrocketed, even exceeding the deposit-absorbing capacity of most banks in Hong Kong.

For ordinary people, the more active they are in saving, the more it represents the current economic downturn.

Choosing a safe and stable bank has become a key issue when saving.

Small banks have high interest rates, but there is a risk of bank runs, which has happened in the past few years.

The interest rates of major banks are low, so it is not worthwhile to compare savings, especially when there are so many banks to choose from.

When Oriental Times Bank announced the savings interest rate, a large number of people were disappointed.

A commercial bank that had just gone bankrupt and reorganized actually set the interest rate at the same rate as the big banks. How could this be possible?

But this is the reality. It seems that Oriental Times Bank does not lack operating funds.

At the beginning, the savings market was unclear and I couldn’t figure out why Times Bank did what it did.

But when Modern Real Estate Co., Ltd., controlled by the Times Department, went through half a year of frantic acquisition of real estate and even purchased non-performing assets mortgaged by other banks, someone seemed to understand.

Then, when Modern Real Estate integrated resources and combined some buildings on land with excellent conditions into residential areas, quickly demolished the old buildings and built new ones, everything became clear.

Modern Land announced the building design concept and community management ideas at the beginning of construction.

It also gives clear requirements for home purchase. If there is a loan, Oriental Times Bank's exclusive ultra-long-term home loan will be provided.

The current construction market in port cities is sluggish, and construction costs are extremely low. Especially in the era of systems with port and shipping foundations, the introduction of building materials is extremely convenient.

It is particularly easy to recruit manpower, and the cost of workers has dropped compared with previous years, making it suitable for large-scale development and construction.

Generally speaking, property communities in Hong Kong City are based on wealthy areas and provide commercial property services.

However, Modern Land has reached the sky and directly brought its high-level property services to the surface.

The first real estate project proposed a closed residential area and a complete commercial property service concept, including kindergartens and primary schools, as well as commercial and medical supporting buildings.

Based on the current trend of gradually rising housing prices, real estate projects that have obtained the right to sell off-the-plan properties have seen a rush for houses as soon as they open for sale.

Compared with the existing real estate development situation in Hong Kong City, Modern Land has broken the curse of stable real estate this year.

Commercial housing loan projects and sub-building sales have made it possible for ordinary people to buy large houses and live in large mansions.

With a down payment of 20%, even if the loan interest rate is ridiculously high, it is still within the consideration range of home buyers.

Why?

Because Hong Kong people are influenced by Western living habits, they are more inclined to enjoy it in time.

With only 20% of the money, you can live in a big house in advance. Who wouldn't want to?

The monthly loan repayment pressure is particularly appropriate when facing a loan term of 20 to 30 years.

After all, we are going to live there for thirty years. It would be much easier to use half of our salary every month for repayment.

The advantage of commercial mortgages is that they do not require home buyers to provide credit collateral.

In other words, when Modern Real Estate sells a property, the bank will jointly provide loan business.

Home buyers only need to pay a down payment and provide proof of stable income to prove their ability to repay the monthly loan.

Why did Modern Real Estate start operations last year but only started providing real estate construction and sales this year?

This has to go back to the current economic recovery phenomenon. The investment caution caused by it will inevitably cause a crisis of trust in the capital market.

Finding a reliable investment direction has become the most urgent need for investors.

Real estate investment is the most suitable direction during the economic recovery stage, and the emergence of commercial housing loans has completely detonated the investment market boom in Hong Kong City.

The capital that can be used to buy a house in full can be used directly as a down payment to buy more properties, and then the repayment period can be extended indefinitely to 30 years.

When the repayment pressure reaches its peak, it is the peak of this person's investment.
To be continued...