In the morning, Lin Zhichao held a meeting with 12 employees of Yangtze Real Estate. Instead of adding one more employee, Lin Zhichao assigned Xue Junshan to Yangtze Real Estate with the position of ‘driver’.
Everyone's faces were filled with smiles at this time. Probably in their hearts, if the house sale did not go smoothly, the company might be in crisis, which would affect their future!
In any case, everyone is in a very good and positive state of mind at this time.
Lin Zhichao first asked: "Has all the 250,000 Hong Kong dollars been accounted for?"
Zhou Fuzhao immediately said: "All 258,200 Hong Kong dollars have been accounted for. The company currently has sufficient funds."
Collecting half of the property expenses at once is obviously a big deal.
Lin Zhichao continued: "The owners of the 15th floor need to pay the remaining fees on time for each period. Your finance department must do a good job in this regard."
Zhou Fuzhao nodded and said seriously: "Okay, we will collect the installment fee on time."
Next, Lin Zhichao said a shocking thing.
"Currently, our reputation in Changjiang Real Estate is booming, and there will definitely be no problem in getting a bank loan. Therefore, we should strike while the iron is hot and do a few more projects or one big project. Manager Hu, if you look for old buildings or land that can be rebuilt, this time I will
I plan to invest about 400,000 Hong Kong dollars in land."
Hu Zhaoxu said excitedly: "Okay, I will look for land with Ah Hao right away and report to the boss if we have any goals." He also has one subordinate.
At this time, Zhou Fuzhao raised a question: "Boss, the asset value of Changjiang Real Estate is estimated to be over 400,000. The loan mortgage provided by banks for real estate is generally 30%. Even if we have excellent credit, it is estimated to be only 50%, almost 200,000. Let's calculate it
If you have money to buy a piece of land worth RMB 400,000, I’m afraid you won’t be able to cover the later expenses.”
If you can remind your boss, you are also a good employee!
However, Lin Zhichao said confidently: "I have other funding channels. You don't think I'm risking my life this time!"
Everyone stopped trying to persuade him. Judging from the boss's appearance, he might still have funds in hand.
As a result, everyone has changed some views. The boss is not the kind of person who takes risks.
As for the funds coming from the boss, naturally no one will ask.
Lin Zhichao came to the headquarters of the Bank of East Asia on Queen's Road in Central, handed in a name card, and asked to meet the general manager of the Bank of East Asia, Kan Tung Pu. In the past, he might not have met the general manager of the largest Chinese-owned bank in Hong Kong, but now he is famous and wants to come to Kan Tung Pu
Will not refuse.
as expected.
"Mr. Lin, please come this way!"
The staff politely led Lin Zhichao there, and soon they arrived at an office.
A sixty-year-old man stood up from his office and came to Lin Zhichao with a smile on his face.
Kan Dongpu, general manager of the Bank of East Asia, is 63 years old this year. On the eve of the Anti-Japanese War, Kan Dongpu led the banking industry in Hong Kong and raised funds to aid China's anti-Japanese war. In 1945, the Bank of East Asia resumed business. Under Kan Dongpu's management, the number of depositors increased day by day, and the current deposits are estimated to reach
Forty to fifty million Hong Kong dollars. And Jian Dongpu was also extremely smart. When Hong Kong fell, he had already transferred the assets of the Bank of East Asia to Europe and the United States, thus avoiding a large number of losses.
The Bank of East Asia is now the largest Chinese-owned bank in Hong Kong, and it has also begun to support Hong Kong factory owners. For example, Vitasoy’s assets are only HK$150,000, but Jian Dongpu made the decision to loan Vitasoy HK$400,000 to restore and expand production.
.
There are three major families behind Bank of East Asia, all of which are well-known old families in Hong Kong and have been deeply rooted in the "upper-class Chinese (formerly known as)" families for decades.
"Jian Lao"
Lin Zhichao was the first to greet him politely, but he was not condescending at all. He just treated him with the courtesy of a junior.
"Good! The person who can come up with the 'good idea' of 'strata sales' and 'off-plan sales', and revitalize Hong Kong's real estate in one fell swoop, is indeed young and promising, with extraordinary magnanimity."
Lin Zhichao said quickly: "Thank you, Mr. Jian! I just feel about the housing situation of Hong Kong people, and have been thinking about the method of 'home ownership', and I achieved this success by accident. I don't dare to offend you, Mr.
Praise!”
It seems that he is being humble, but he exalts himself and describes himself as a person who cares about the country and the people. This is Lin Zhichao's nature - hypocrisy!
But Jian Dongpu didn't think so. He felt that Lin Zhichao, at a young age, was worried about Hong Kong people being homeless and thought about "home ownership" and actually achieved it. This is undoubtedly impressive.
"Your success this time has brought a new pattern to the real estate industry in Hong Kong. Even the Hong Kong government has praised you a lot. It's amazing."
As soon as they met, he praised Lin Zhichao, not because Jian Dongpu particularly admired Lin Zhichao, but because "stratified sales" and "off-plan sales" were too "revolutionary" and had a huge impact on the industry.
"You are the pride of our Shunde people. When I was a child, I heard in my hometown that banker Jian Dongpu led Hong Kong bankers to raise funds to aid China's anti-Japanese war."
“I didn’t expect people in Shunde would still remember me.”
Jian Dongpu is very useful. Who doesn’t want to be the pride of his hometown!
After being polite, the two sat down.
Lin Zhichao quickly said straight to the point: "Mr. Jane, Hong Kong's real estate has been revitalized, but the situation in the mainland is bad, and conflicts will inevitably occur across the country. A large number of wealthy businessmen will come to Hong Kong to settle or take refuge, and real estate is always the best
choice. Therefore, I would like to urge the Bank of East Asia to strongly support Cheung Kong Land."
He did not say how much the loan would be, but asked the Bank of East Asia to strongly support him in order to establish long-term cooperation.
As far as he knew, after the war, the Bank of East Asia also supported the "trendy businessman" Liao Baoshan in buying low-priced properties and provided financial support. Of course, Liao Baoshan only bought properties and then collected rents, and had no technical level to speak of.
Jian Dongpu's expression remained unchanged, but he asked seriously: "Zhichao, what are your plans?"
If the juniors in Shunde are capable, why doesn't he support them? This is what he thinks.
Lin Zhichao said seriously: "Our current asset value of Yangtze Real Estate is more than 400,000, and our reputation in the market has been established. Therefore, I want to continue to purchase land and old sites immediately, and quickly sell through 'strata sales' and 'off-the-plan sales'
Repayment. I hope that the Bank of East Asia can provide 60% of the loan for the land when we purchase it, and our company will provide 40% of the funds. After that, we will repay the loan from the Bank of East Asia by selling the pre-construction property."
Jian Dongpu thought about it seriously, and found out that generally a 50% mortgage was a relationship of great trust, so this treatment was possible.
However, Lin Zhichao’s 60% figure seemed a bit too high.
However, Yangtze Real Estate's reputation is now booming, and it has a market advantage in selling off-the-plan properties; it also supports Lin Zhichao and has made friends with a businessman with potential.
"There is a problem here. You said that wealthy businessmen from the mainland would come to Hong Kong to settle and take refuge, but have you ever thought that the mainland would also affect Hong Kong?" Jian Dongpu said solemnly.
Lin Zhichao was overjoyed, knowing that the time had come for him to cheat.
"How could it be so? Let me give you an analysis of the future of Hong Kong. So, Hong Kong is the bridge between China and the West."
Understand the general trend and good at management, Jian Dongpu immediately gave Lin Zhichao high praise.
Although he didn't know what the future would look like, he felt that Lin Zhichao was reasonable. It was hard to imagine that a young man had such a long-term vision.
"Okay, I will come to your company to inspect it later!"
Although I didn’t say I agreed, it was obviously self-evident that I could go to Yangtze Real Estate for inspection.
Lin Zhichao happily left the Bank of East Asia. He felt that receiving strong support from the Bank of East Asia was a sure thing.
At the same time, he also opened up his first personal network. Not to mention the three major families behind the Bank of East Asia, Jian Dongpu's two sons are both government celebrities.
Lin Zhichao planned to be a blockbuster from the beginning, and then quickly find a backer to avoid a lot of trouble.
Of course, he found a backer because he was strong and worthy of others' support.
Otherwise, just join in. It would be strange if others don’t drive you away!
This time, Lin Zhichao launched "strata sales" and "off-plan sales", and its influence is visible to the naked eye. Even the Hong Kong government has come out to support it. You can think of the impact of this matter.
At the same time, all the big guys in Hong Kong are also asking who Lin Zhichao is? He actually came up with two good bridges at once to revitalize Hong Kong real estate.
The next afternoon, Jian Dongpu took people to Yangtze Real Estate.
Seeing Lin Zhichao covered in dust and mud, Jian Dongpu smiled and said, "Did you just come back from the construction site?"
Lin Zhichao nodded and said: "When I first started working in real estate, I wanted to learn everything, so I went to inspect the construction site in the morning. It was really impolite."
He was telling the truth. From the drawings to the construction site, Lin Zhichao was "stealing the skills and skills" in order to master the knowledge as soon as possible. He could not always leave the design and construction to others. Changjiang Real Estate would eventually be involved in all aspects and become a
A real estate kingdom.
Jian Dongpu laughed "haha" and said: "You are in this business, so you can understand. I paid a sudden visit. I'm afraid it was your subordinates who pulled you back."
Next, Jian Dongpu led people to review the financial accounts of Changjiang Real Estate and inspected the operations of various departments.
During the period, he asked a question: "Through your financial situation, I found that your funds were relatively tight at the beginning, with less than 280,000 Hong Kong dollars. The Shanlin Road project requires 350,000 Hong Kong dollars, so you don't have to worry about not being able to get the funds back.
Is this project on hold?”
Lin Zhichao said with a smile: "Actually, I still have some funds on hand, but I haven't injected them into it. Of course, no matter how bad our land is, we can almost complete the project with a 30% loan. I just want to say that in the end, all my funds were welded on this project.
, and cannot do anything else.”
Jian Dongpu nodded. He found that Lin Zhichao was full of confidence when he said this, and he guessed in his heart that Lin Zhichao may not have funds.
Next, Jian Dongpu discovered that there were many things worthy of praise about Changjiang Real Estate, including formal financial handling, standardized project management, etc., and he was immediately impressed by it.
Before leaving, Jian Dongpu said: "If you have a real estate project, you can get a loan of 60% of the land."