Lin Xiaoguang struck while the iron was hot and continued.
"Manager Gong, let's do the math. The tentative one-year deposit interest rate is 2%, which is not high. As long as you dare to spread the word, people in Xiangjiang will dare to deposit with their suitcases. The loan interest rate is 4.5%, which is not high.
As long as you dare to lend, we at Hua Run will take care of all the loans, even hundreds of millions of Hong Kong dollars will not be a problem."
"The interest on deposits of two million a year, how much is the loan, the interest on four and a half million, and the profit of two and a half million when resold, is it a good deal?"
"Mortgage interest rates are higher, tentatively 4.5% for one year, 4.75% for one to five years, 5.25% for five to twenty years, and 6% for twenty to forty years. Calculating the total construction cost of a small house worth RMB 50,000, one year
If you pay it off in five years, you will pay an extra RMB 2,250. If you pay it off in five years, you will pay an extra RMB 11,875. If you pay it off in twenty years, you will pay an extra RMB 52,500. If you pay it off in forty years, you will pay an extra RMB 120,000."
"The annual interest rate is equal to the annual rate of return. You can make money just by lying down. The cost paid by your Bank of China is negligible. It is really a good deal." Lin Xiaoguang seduced.
In fact, he would like to compare the housing prices and commodity prices in Xiangjiang to comprehensively calculate the mortgage interest.
Calculated based on the mortgage interest rate of 6% for forty years, the profit is 120,000 and the return rate is 240%. It seems like a lot, but it is actually only 2.4 times. But if calculated based on the housing price increase rate, it is much more. You know, last year, that is,
In 1980, house prices were just over HK$1,000 per square foot, and in 2020 they were almost HK$20,000 per square foot.
It has increased twenty-fold in forty years. House prices in the New Territories are relatively low, but they still cost several thousand to tens of thousands of Hong Kong dollars. Small houses are different from commercial houses, but it is normal for house prices to rise higher than 2.4 times.
After all, as prices rise, housing costs get higher and higher, and the Hong Kong dollar continues to depreciate, so bank mortgage profits must be guaranteed.
After such a calculation, Lin Xiaoguang felt that if a small house with HKD 50,000 was repaid in forty years, the principal and interest would total 170,000, which was not bad. At least it was more generous than a coffin house of one or two square meters.
"If we in Huarun didn't have our own bank, to be honest, I really don't want your Bank of China to make this money."
Finally, Lin Xiaoguang said this casually.
At this time, Luo Yaoguo, who had been listening to the two of them and remained silent, spoke for the first time, pondering, and said: "I have gone to the general manager to apply for Huarun Wanjia to register a separate company with independent financial accounting."
"The general manager is also interested in sorting out all of Huarun's business. Huarun implements a group system, reorganizes and splits single industries and businesses, independently establishes subsidiaries, decentralizes finance, and is responsible for its own profits and losses. The group is only responsible for supervision, and the general manager
It intends to conduct physical operations, increase investment in Hong Kong, and completely separate from foreign trade business."
When Luo Yaoguo said this, Lin Xiaoguang immediately acted as a compliment and said: "Yes, maybe he will set up his own bank in the future."
"China Merchants is engaged in physical investment. They have now established a settlement center, which is the bank of the future. CITIC is also engaged in international trust business, which is closely related to finance. It is a simple matter to set up your own bank. Gong
Manager, you said that it is enough for CITIC to establish CITIC Bank. When China Merchants Group establishes China Merchants Bank, will we, Hua Run, remain indifferent?" He stared at Gong Fan with a burning gaze and asked.
Hearing this, Gong Fan actually felt a little flustered.
Bank of China is the only bank responsible for foreign exchange accounting. Huarun is only responsible for specific foreign trade business. Foreign exchange must also be handed over to Bank of China, as well as China Merchants and CITIC Trust.
But now, China Merchants Group has established an internal settlement center, and CITIC has also begun to cannibalize some of Bank of China's business.
This made Gong Fan have to be vigilant.
After thinking about it for a long time, he finally said: "Your Hua Run's opinion will be considered by our Bank of China. I will take this small house development plan first and report it to the boss. I support the small house development plan and will do my best to improve it."
There will be a positive reaction, but I can’t guarantee whether the higher-ups will agree.”
Luo Yaoguo immediately waved his hand: "We are doing our best and obeying fate. Everything depends on human effort. The rest depends on God's will."
Gong Fan left.
He was not a fool. He was a little confused at first, but later he understood that one of them was a bad guy, and the other was a good guy, and they were playing a double act with him.
But although he understood it, he couldn't refuse, because once it was done, it would be beneficial to both Bank of China and him.
As soon as the others left, Lin Xiaoguang looked at Luo Yaoguo, a little excited, and asked: "Director, is it true that this reorganization and splitting of businesses and independent establishment of subsidiaries is true?"
Luo Yaoguo nodded: "Yes, the general manager has this idea. Seeing the success of the convenience store project this time, he is even more determined."
"How long will it take for the results to come out? Will there be restructuring and splitting?"
"I don't know either. We don't have a say when it comes to Huarun's great changes. This has to be decided by the Ministry of Foreign Trade and even with the opinions of the State Council. It will take half a year at the earliest. Don't worry about it. I'm going to
Take the plan to see the general manager, wait for the news, and act immediately as soon as there is news." Luo Yaoguo said calmly.
"good."
After leaving Huarun, he immediately returned to Qinhuai. When he arrived at the office, he called Wen Yongen over as soon as possible.
After Wen Yongen came to Qinhuai part-time, she started to get busy. It had been almost two weeks since she came. In the first week, Lin Xiaoguang gave her a task to conduct a survey on the intention of building a small house. The scope was relatively small, taking Wenshan Village as an example.
, the research has been completed a long time ago, and the reports have been handed over to him.
The second week is a new task, which is to conduct a survey on work intentions among families in the New Territories who have the right to build small houses, taking Wenshan Village as an example.
Of the two surveys, the former mainly looks at whether small-house families have a strong desire to build small houses and improve the poor existing living environment, and the latter mainly looks at whether small-house families are enterprising and can pay off their mortgages in a timely manner, etc.
What the former does is equivalent to a venture capitalist, casting a wide net to catch fish and making angel investments.
As for the latter, it is of course typical bank credit risk control.
Wen Yongen has been very busy recently. The school is about to have a holiday. She is very busy at the end of every semester, with various papers and exams. Lin Xiaoguang also assigned her tasks, which required her to travel to dozens of households in Wenshan Village. Not only did she study, but she also
I have work and am not as busy as usual.
However, as she was busy, she felt very relaxed, because a stone weighing on her heart was lifted.
It was about her father's gambling and loan sharking. Lin Xiaoguang found the office, Luo Yaoguo and Zhong Wenzhang met, and then introduced him to a highly respected big boss. If the big boss comes forward, this kind of thing will naturally be solved.
A loan shark of 50,000 yuan came out nine times and returned 13 times. Man Yong-en's father borrowed 50,000 Hong Kong dollars and only got 45,000. When he repaid it, he had to pay back 65,000.
But the money has been overdue, and the interest is compounding and increasing.
If Luo Yaoguo hadn't found someone, the money he would have to pay back would not just be 50,000 Hong Kong dollars, but 150,000 Hong Kong dollars. But when he found the boss, he didn't follow the rules and only paid back the principal of 50,000 yuan. This way
The loan shark can also earn 5,000 yuan, which is not a waste of money. Although he is dissatisfied, he can only shake hands and make peace.
Thus, the loan sharking issue was completely resolved.
When Wen Yongen came out of school and arrived at the company, it was almost time to get off work, but Lin Xiaoguang was still waiting.
Wen Yongen sat with her back straight opposite the desk. While explaining, she looked up at him from time to time. After talking for a long time, she saw that the latter had no expression. After hesitating for a long time, she mustered up the courage to ask: "Mr. Lin,
The company is currently engaged in food and beverages, but if you are determined, it is entirely feasible to use the small house as an opportunity to enter the real estate industry in Xiangjiang."