Chapter 70 There are many friends who come to borrow money
"Mengyao, are you still adapting to this period of time?"
Lu Yan asked casually, and the latter laughed and said, "It's okay, what's wrong, brother-in-law?"
"I just want to ask you if you have any ideas about career planning!"
"I don't have much idea. I'm so young and don't know much. I just want to stay with my brother-in-law, broaden my horizons, and learn something!"
"Then it's impossible to run errands for me all the time!"
"Of course it's impossible, but I'm still young now and I'm just about to graduate! Being able to run errands for a big boss like you is already a rare experience!
You don’t even know that Qian Xiaoru is in a miserable situation. He joined an accounting firm as an intern and was ordered around by his boss every day. He almost went crazy!"
Lu Yan chuckled and did not answer the question.
Ruan Mengyao was arranged to go back and forth between the two companies. She was my sister-in-law, and others could not say anything.
But if even my sister-in-law's friends and classmates can easily get positions, then there is no need to think about the following personnel work.
Seeing Ruan Mengyao say this, Lu Yan stopped mentioning it.
After dinner, there were various meetings.
At around three o'clock in the afternoon, Zhou Xiaoqing called Lu Yan and asked if this would be convenient.
Knowing that she had something private to talk about, he said: "You can tell me anything in my own room!"
"That's right, my dad wants to use some money... As you know, it's particularly difficult to sell the house this year!"
Of course Lu Yan knows that 2014 is a rare period of correction for the real estate market.
Starting from the fourth quarter of this year, both the stock market and the property market have entered a period of recovery.
"How much do you want to use?"
"Eight hundred million, the interest is easy to negotiate, there is a mortgage, and I can provide guarantee for this loan!" Zhou Xiaoqing said solemnly.
In fact, she doesn't want to be involved in borrowing money from Lu Yan, and she has always been dissatisfied with her father.
But after all, it is our own family business, and it will be financially difficult, so we can’t just sit back and watch!
Fortunately, the other end of the phone said: "It's okay, as long as you have a mortgage, no guarantee is needed! In this way, I will take the evening flight back to Jinling!"
Zhou Xiaoqing said hurriedly: "Then you can send me your flight time later and I will pick you up!"
After hanging up the phone, Zhou Xiaoqing stood in front of the floor-to-ceiling windows of her office, feeling a little dazed.
A few years ago, Lu Yan was a part-time salesperson at her company's sales office. Unexpectedly, a few years later, her own business actually relied on blood transfusions from others.
In fact, China's economy has not been developing easily in recent years.
14 years later, some people have the illusion that the Chinese people are really rich and their consumption has upgraded!
But in reality, it is just a false prosperity after the popularity of credit cards and various loan software.
For front-line employees in all walks of life, excluding the shrinking purchasing power caused by inflation and rising prices and housing prices, many at the bottom of society really have little purchasing power.
But after one or six years, more and more people in society dared to spend money, and consumption boomed.
Merchants began to please consumers and the main consumer group of the entire society, the female group.
After all, this is an era of overcapacity!
…
After hanging up the phone, Lu Yan used his mobile phone to book a ticket on Ctrip and took a flight back to Jinling in the evening.
Zhou Xiaoqing drove over to pick her up and told her about the current situation of Yicheng Real Estate Company.
It turns out that Yicheng has been learning "Bi Guiyuan" in the past two years and has also adopted a higher turnover model. However, due to the industry trough, a large number of houses were backlogged and could not be sold.
It’s even harder to lower the price, and some debts are due, so I’m a little bit dumbfounded in an instant.
Chairman Zhou has no choice but to look for money everywhere recently. Naturally, his daughter also needs to be able to contribute.
Lu Yan has nothing to say. When he started his business, two people contributed a lot. One was Zhou Xiaoqing, who was willing to lend three million to him when he was still in school, and the other was Bao Bufan, who originally asked Lu Yan to manage private equity funds.
Besides, there is a mortgage and interest, so it will naturally need to be borrowed.
It took a few days to get the loan done.
As a result, Bao Bufan also called and borrowed 200 million yuan.
A few days later, Chen Yishan, who had not been in contact for a long time, met with him and borrowed 80 million yuan for working capital.
Fortunately, he didn't have many friends like him, so his father-in-law, Ruan Qinghe, called him again to borrow money.
The real estate market in Jinling is sluggish, let alone Bincheng.
It has always been in a very depressed state. It was not until 17 years that the skyrocketing pattern began. Many real estate properties doubled in price within a short period of time. The increase made you lose your temper!
"Lu Yan, one of the company's debts has matured, please borrow some money to replenish your income!"
It's always a bit difficult to borrow money from your son-in-law. But this real estate company was started by Lu Yan who took the majority share, and Xiao and Ruan's family pooled some money together.
Although Lu Yan later withdrew his shares, everyone felt that Lu Yan still had something to do with him and had no money to take care of it!
Lu Yan really didn't care and asked: "How much should I use?"
“How come it’s 300 million!”
"How did you do it?"
"Houses are not easy to sell. Nowadays, all buyers are waiting and watching. They won't sell even if they pay zero down payment!"
Lu Yan hurriedly said: "Let's not do this kind of policy marginalization. If it doesn't work, I'll go back...!"
He can finally understand the joke about making fun of Ma Yun, but who wants everyone to know that he is rich!
After a while, Lu Yan took another flight and returned to Bincheng. First he went to the real estate center of Xiao and Ruan's family.
Because it was the weekend, there were still a lot of people coming to the sales office to view the property, but most of them had a wait-and-see mentality.
Suddenly, they saw a young man being surrounded by stars, as if a leader had come to inspect the house. The people looking at the house were stunned, and they immediately recognized him as Lu Yan.
A man in his thirties, holding a bag under his arm and looking like a government agency, came up and asked, "Hello, Mr. Lu!"
"Hello, do you have the apartment type and floor you like?"
The man smiled and said, "It looks okay, I just need to take a look first!"
Lu Yan smiled: "If you meet me today, if you like it, I will ask them to give you a discount!"
Naturally, the man would not doubt the authenticity of this statement, but he said: "But with the recent news, reports, policies, etc., I feel that house prices are going to drop!"
Lu Yan laughed and said, "Well, you like this house and buy it. After five years, the price of this house will increase by less than 30%. I will buy it at a premium of 50%."
!”
The man was surprised and happy when he heard this. With Lu Yan's wealth and status, he would definitely not deny it if he went bankrupt within five years.
This is suitable for buying a financial management tool!
What's more, he is waiting and watching, and he is really not short of money. He is simply made by various analysis articles now and thinks that China's property market is going to collapse.
There is a great expert and economist named Xie Guozhong, who has been a big short seller for many years. He once made shocking remarks that the property market in China's first-tier cities will be cut in half, and house prices will fall below two months' wages.
Recently, he published an article titled "The Biggest Real Estate Bubble in History Will Burst in the Near Future", which is firmly bearish on China's property market.
Needless to say, it still affects many people.
At least the person in front of me told Lu Yan the expert’s opinion and then asked Lu Yan what he thought!