Finally, Wu Siyuan's idea was reported to the top leader's desk.
After the senior leader saw it, he remained silent for a long time and held a meeting with several other leaders to discuss the matter.
He said, "First of all, Xiao Wu and [Chaoqun Group] should be affirmed and praised for their long-standing intention to serve the country. But if they have this intention, the country cannot make them feel discouraged or suffer losses.
"
"Xiao Wu's idea is very good and has opened up new ideas, but there are obviously some things that are not well thought out. We should talk about this. In addition, people have made such a big sacrifice, so we should give others something.
Compensation cannot be given at all."
The other leaders nodded solemnly in agreement.
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After many meetings and discussions and communication.
Wu Siyuan's ideas were finally transformed into practical plans.
[Future Holographic Mega City Complex] This global blood-sucking tool scheme used to compensate for land finance has basically remained unchanged.
However, the [home purchase subsidy] Wu Siyuan plans to provide to parents of newborns across the country has changed significantly.
What the above means is that [Chaoqun Group] is not allowed to directly give people [house purchase subsidies]. This is mainly due to the influence of the outside world, which causes some people to have wild thoughts about the private business environment, which is not conducive to stability.
The above plan is for [Chaoqun Group] to establish a corresponding [Vision Fund].
[Chaoqun Group] took into account its own situation and injected capital into this [Vision Fund].
Parents of newborns starting in 2022 can obtain corresponding interest-free loans from this [Vision Fund] according to the number of newborns.
Yes, what the above means is that [Chaoqun Group] is not allowed to send money, but [Chaoqun Group] is allowed to borrow money.
One word difference, but the meaning is very different.
Wu Siyuan’s original intention was to give each newborn a RMB 100,000 [house purchase subsidy].
The final plan was for the Vision Fund to provide interest-free loans to parents of newborns based on the number of newborns.
The loan amount for a newborn is 150,000 yuan.
If it is twins or multiple births, multiply the number by the corresponding multiple based on the number of newborns.
For example, twins can receive a [housing subsidy] of 300,000 yuan, triplets can receive a [housing subsidy] of 450,000 yuan, and so on.
This interest-free loan is also earmarked and does not go through the hands of the parents of the newborn. When the parents of the newborn select a property, it is directly credited to the bank account of the real estate developer.
Of course, the bank accounts of real estate developers must also be subject to strict supervision. If you want to bypass supervision and move them directly to other places as in the past, you will not be able to do so.
If the parents of the new baby have a house in their name that is still repaying the loan, then this [house purchase loan] can also be credited to the bank where they took the loan to reduce their burden.
If the monthly mortgage payment of the parents of a newborn is around 3,000 yuan, then this interest-free loan of 150,000 yuan will allow the parents of the newborn to not need to consider paying back the mortgage in the next 50 months, which is more than 4 years.
The problem.
Parents of newborns will have more than 3,000 yuan in monthly expenses, and their lives will be much easier.
Oh, you said the loan of 150,000 yuan also needs to be repaid?
Yes.
The [New Life Vision Fund] invested by [Chaoqun Group] provided a loan of 150,000 yuan to the parents of newborns, with a repayment period of fifty years.
Yes, fifty years.
The average commercial loan period is only thirty years.
The loan period of the [New Vision Fund] is fifty years.
The point is, this loan of 150,000 yuan is actually interest-free.
In terms of borrowing, the current value is exchanged for the future value. Then the future value is lower than the current value. You must find a way to make up for the difference, and the thing to make up for it is interest.
General loans carry interest.
Like the well-known home loan.
Mortgage interest rates are generally very high.
If the principal of a mortgage requires 1 million, the interest on the mortgage for 30 years may require 1.5 million.
One of the reasons why mortgage interest rates are so high is that the house is a large loan, with the longest installment period being 30 years. Over such a long period of time, the house is likely to become less valuable. If the bank wants to ensure profitability,
If the mortgage interest exceeds the principal, it is a natural choice.
In fact, it can also be understood that under inflation, money becomes less and less valuable.
A hundred dollars worth of money twenty years ago has a different value than a hundred dollars worth today.
For such a long-term loan, if the bank's interest rate is not high enough, then the income will be a complete loss.
For example, twenty years ago, you borrowed a thousand yuan from someone, and the total interest was 20%. Twenty years later, if you repay the other person a thousand, two hundred yuan, do you think the grandma's family will suffer a loss?
To put it bluntly, this is not much different from borrowing for free.
In the same way, the [New Vision Fund] lent out an interest-free loan of 150,000 yuan and allowed the borrower to repay it over fifty years.
Twelve months in a year.
On average, borrowers only need to repay 250 yuan per month.
This is actually not much different from giving it away for free.
Especially under inflation, money is constantly devaluing.
10,000 yuan in 1978 is equivalent to 598,200 yuan today;
Ten thousand yuan in 1988 is equivalent to 147,400 yuan today;
10,000 yuan in 1998 is equivalent to 32,000 yuan today;
10,000 yuan in 2008 is equivalent to 17,900 yuan today;
10,000 yuan in 2013 is equivalent to 11,800 yuan today.
over time.
The borrower's monthly repayment of 250 yuan may be almost the same as the current value of 25 yuan.
Then the borrower has no pressure at all.
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After discussion, the leaders changed Wu Siyuan's original plan, and the effect seemed to be better.
It’s not just parents of newborns who get greater benefits. Fifteen thousand yuan is more powerful than one hundred thousand yuan.
Moreover, [Chaoqun Group]'s losses have become smaller. After all, the money is lent, not given away. [Chaoqun Group] can still get back part of the amount every month.
Assuming that more than 7 million people (70% of the more than 10 million newborns in 2021) apply for this loan from the [New Life Vision Fund] in 2022, then [Chaoqun Group] needs to inject 1.05 trillion yuan into the [New Life Vision Fund].
funds.
In fact, Wu Siyuan thinks that the number of applicants may not be that large, maybe only more than 5 million, but it doesn't matter, just calculate it as 7 million.