Today, Zhang Yida took his bank card and went out.
I went to the Porsche 4S store first, and the sales lady at the door greeted Zhang Yida warmly as soon as he entered the store.
Zhang Yida is wearing Versace casual clothes today. He is tall and straight. Wherever he goes, his temperament feels different.
The sales girl's favorite thing is this kind of rich second generation. Buying a car is easy and refreshing. Sometimes you can develop a super friendship and collect a few bags of jewelry and so on.
Female saleswomen in 4S stores with exquisite make-up lined up in a row. When customers came into the store, they greeted customers in unison.
Then he asked Zhang Yida if he had an appointment. Zhang Yida replied no, and assigned the first salesperson in order to receive Zhang Yida.
The first person in line, a young girl in her twenties, wearing black professional attire and light makeup, came out of the queue and took Zhang Yida to look at the car.
The girl smiled and said:
"Hello, sir! My name is Qi Yumeng. I will show you the car next. How should I call you Nan?"
Zhang Yida replied casually:
"My surname is Zhang, arrogant Zhang."
"You can call me Xiao Zhang or Arrogant."
Qi Yumeng smiled and said:
"Mr. Zhang, you are so funny. Do you have a favorite car model?"
Zhang Yida said directly: "Just look at the Panamera, the four-wheel drive platinum version."
"Okay, Mr. Zhang, please come this way."
Qi Yumeng raised his right hand as an invitation.
Following Qi Yumeng to the car showroom, there were more than a dozen Porsches of various models displayed.
Choosing a black Panamera, Zhang Yida sat in the driver's seat and felt the seats and steering wheel. Qi Yumeng sat in the passenger seat, leaning sideways because of the hip skirt she was wearing. She started to give
Zhang Yida introduced:
“This is the latest panamra 4 Platiion 3.6L.
V6 engine, maximum horsepower 300 horsepower.
It only takes 6 seconds to accelerate from 0 to 100 mph.
…”
After listening to Qi Yumeng explain all the configuration parameters, Zhang Yida understood almost everything and asked directly:
"Can I take it for a test drive?"
"Of course! I'll make an appointment for a test drive with you right away." Qi Yumeng replied enthusiastically.
Then, I took Zhang Yida’s driver’s license and went through the test drive procedures.
On the way to go through the test drive process, Qi Yumeng went through the formalities alone, while Zhang Yida was waiting for her in the lobby drinking tea.
Qi Yumeng secretly opened Zhang Yida's driver's license. It can't be said that he opened it secretly. It should be called "inspection." He checked Zhang Yida's driver's license. Well, it was real.
She has read a lot of information through the driver's license. She is 18 years old, from Chengdu, and is probably still in college in the capital. If she were not a rich second generation, she would swear that she had eaten the driver's license.
In their profession, you have to learn to judge a customer's intention to purchase a car through their clothing, conversation, and other things including their driver's license.
After completing the test drive procedures, Zhang Yida got his driver's license back. He followed an arranged instructor and got into the test drive. He first fastened his seat belt, stepped on the brake, turned on the ignition, shifted to D gear, released the brake and started, and hit the accelerator.
take off.
Zhang Yida drove the car skillfully for a few laps, and it was relatively smooth to drive. The acceleration is not very fast, and the horsepower is not large, but it is basically enough for urban roads. The sports-style seats are very wrapped and close to each other.
Comfortable. The luxurious interior also gives people a relatively comfortable feeling.
"Okay, let's order this one!"
Zhang Yida said to Qi Yumeng.
Qi Yumeng was pleasantly surprised. The rich second generation did things neatly and refreshingly. So he asked:
"Mr. Zhang, the price of the Panamera four-wheel drive platinum version of the naked car you ordered is 1.292 million. In addition, some accessories need to be optional. Take a look at the accessories list. You can list the items that need to be optional. I will finally give them to you.
Calculate the total price.
Also, would you like to ask whether it is full payment or loan?
If you want a loan, we will give you a discount of 30,000 yuan for bare cars. In addition, the loan interest is relatively low, with an annual interest rate as low as 5.99% and a maximum loan period of three years."
If you want to deceive me about a loan, the annual interest rate is 5.99%. If the repayment rate is equal to the principal and interest, the interest rate will actually be multiplied by 2, which is equivalent to 12%. If you also add the loan handling fee, it is estimated that a dozen points is far away. You don’t need 30,000.
Block offers.
Zhang Yida refused the loan without hesitation and chose to pay the full amount.
Then I asked Qi Yumeng to bring over the optional parts list and prepare to choose the configuration. Porsche can't do it without options. It won't provide a standard car, and all high-end configurations must be optional.
I asked casually how long does it take from selecting the configuration to picking up the car?
Qi Yumeng informed that after the selection is completed and the order is sent to the German factory, plus production, transportation and other links, it may take five or six months to get the car.
Zhang Yida was speechless for a moment, and he was still waiting for a car! The company was about to move, and he would need a car to travel to and from the company and school in the future. Without a car, it would be very troublesome.
Seeing Zhang Yida frowning, Qi Yumeng guessed that he was waiting for the car. So he had an idea and said:
"We also have a super luxurious model in the store. It was originally ordered by a customer. Just two days after arriving at the store, the customer broke the contract and was unable to pick up the car due to some things. So it can be sold to outsiders. Do you want to take a look at the configuration?"
Zhang Yida nodded and motioned for her to bring over the configuration sheet and take a look.
Zhang Yida opens the configuration and takes a look:
"Good guy, you're so cool!
Volcanic ash metallic paint, 20-inch wheels, ambient lighting, Bose surround sound, ceramic brakes, automatic closing doors, constant temperature air conditioning, head-up display, front seat ventilation and massage, emblem embossing on the seat headrest...
With a lot of optional accessories, the price is over 400,000 yuan.”
After looking at it, I basically liked the configuration and it was also more practical. So Zhang Yida asked Qi Yumeng to settle the score immediately and he wanted the car!
Qi Yumeng has done the calculations. The bare car is 1.292 million, the options are 407,000, plus the purchase tax of 110,000, and insurance of 50,000, the final price is 1.859 million.
It was a fraction of 9,000. Qi Yumeng said that he had applied to the manager and got a discount.
Just when he was about to pay, Zhang Yida remembered the problem of license plate processing. He was not registered in Beijing, so he had to draw a lottery number! He had no choice but to call the financial officer of Ruixiang Technology Company. He purchased the car through Ruixiang Technology's account and put the name of the company on it.
Next. It is more convenient for a company to apply for a license when purchasing a car.
Originally, Zhang Yida didn't want the company to pay for it, and planned to buy the car in his own name. He didn't want to take advantage of the small profits.
He just received financing and used the company's money to buy luxury cars for senior executives. How bad would this spread! Zhang Yida still cares about his personal public image.
But buying a car worth more than one million yuan is barely justified. Buying ten, eight cars worth one or two million yuan, or a Rolls-Royce worth tens of millions is a bit unreasonable.
After all, a start-up company is not the controlling shareholder of a large A-share listed company. It is the operation of a group of people that is really 6.
In the end, Ruixiang Technology Finance transferred 1.85 million from its corporate account to the 4S store and took away this Panamera with an optional 400,000 yuan as Chairman Zhang Yida's exclusive car.
Zhang Yida handed the car to the finance department to apply for the license plate number.
I want to buy a house next. Do I need to use a company account to buy a house?
Beijing has implemented purchase restrictions since the implementation of the "eight national regulations" in 2011. If you have a non-local household registration and do not pay enough social security for five years, you cannot buy a house.
Zhang Yida is not qualified to buy a house in the capital, unless the government gives the green light to naturalize quickly and approves a few household registration quotas.
There is no need to bother the leaders with such a small matter of buying a house. Besides, it has nothing to do with the leaders of the district and city. You can’t find the temple gate even if you carry a pig’s head. When will leaders come to inspect the work?
Complain your grievances and try to solve a few house purchase indicators.
If you want to buy a house now, you can only buy it in the name of a company. The disadvantages of buying a house for a company are that first, the house must be purchased in full, second, the annual real estate tax is as high as 0.84% of the purchase price, and third, there is a high corporate income tax when the house is sold.
and land value-added tax.
Having no choice but to withdraw 11 million in cash, Zhang Yida once again registered a new company called "Jingcheng Yimin Investment Management Co., Ltd."
In the name of this company, I bought a 3-bedroom apartment with an area of 100 square meters in Wudaokou near the school for 5 million yuan.
Instead of continuing to buy a house in the name of Ruixiang Technology, I chose to register a new wholly-owned company myself. I didn't want to be criticized too much by the outside world, so this operation was the safest.
The house is in Wudaokou, very close to schools and companies. Zhang Yida is very satisfied. In a few years, it should increase to more than 100,000 square meters. But Zhang Yida doesn't care about this at all. Real estate speculation? Is it impossible to speculate in real estate? Come on.
Money is too slow.
Now I have bought both a car and a house. Although they are not in my own name and the property rights belong to the company, I still own them anyway.
The small goal I set when I was reborn two months ago has been achieved. Is it time to set a bigger goal next?
Ruixiang Technology is advancing steadily, and it is best to be listed in 15 years. It can also compete with Yiyindai to be the first listed overseas mutual fund stock.
The P2P company is run by Yimin Investment as the main operating entity. Get it up and running quickly, make some achievements, and strive for a round of A round of financing in 2014, and then a few more rounds of financing in 2014 and 2015 to make the business bigger in time for 2016.
It's time to go on the market. The timing must be perfect, otherwise it will be too late.
Because if it is too late, various policies will regulate the company, and the valuation will be cut in half. If you want to go public, you will have to smile to the brokers and pay high underwriting fees.
What's more, the timing of listing is chosen too late, the market is not optimistic, and the underwriters cannot sell the stocks. In order to gain a reputation and credibility for listing, these companies secretly spend their own money to buy the stocks they issue! There are also a lot of cunning operations.
A bunch of them.
Whoever goes public first will seize the opportunity for development, because the market value of subsequent listings is not cut in half, but drops of 80%-90% are common. All listings are broken! It can be said that the ankles are cut, and the blood flows.
Chenghe is so miserable!
If it goes on the market early, it can cut a few waves of American leeks and reserve more cash. Due to policy regulations in China, the market is not going well. Then it will be good to go to Southeast Asia, Russia, South America, and Africa for development.
It's not that Zhang Yida is pessimistic, but that the P2P industry in later generations is indeed a mixed bag, with a bunch of bad people ruining the industry.
You must plan ahead and make plans early. After the transition in the past few years and your strength has grown, when the time comes to exit this industry and transform or develop abroad, the initiative will be in your own hands!