In the office, Lu Ming said in a deep voice: "Thousand-layer pancake-like claims and debts are the biggest problem of unfinished buildings. Cut them off and throw them aside. Calculate the cost of the real estate project independently. Figure this out and build the house first.
Besides, the subsequent construction costs required for the house are managed by a special fund established by the Science and Livelihood Foundation. After the contractor completes the project, he comes to the special fund for payment, which is completely separate from the developer."
"After the house is built, let the people who have paid money and gone through the legal procedures to buy the house live in it. You have 10,000 debts on your side. The debt relationship of the households who just need it is not complicated. After buying the house and living in it, every month
It’s as simple as paying the monthly payments on time, but you can’t possibly get these people out of their houses.”
At this time, Han Qiulin raised objections and immediately said: "The problem is that you want to put aside the credits and debts of the unfinished building and build a house first, but if you don't solve the credit and debt problem, they just won't let you start construction? What about the unfinished building?
Things are far more complicated than imagined.”
Hearing this, Lu Ming couldn't help but laugh, and then asked: "Let me ask you something, will the superiors support us if we do this?"
Hearing this, Han Qiulin nodded without hesitation and said: "Of course I will give my full support to solve the problem of unfinished buildings without using additional national financial allocations. The people who take over the houses will also be conducive to the healthy and stable development of society.
There is no reason not to support it.”
Social health and stability are the top priority from above, and secondly, there is no need to impose additional financial burdens. With these two points in mind, there is obviously no reason not to support it.
Lu Ming smiled and said: "So we have to do this to see if the boss will give us the 'Shang Fang Sword'?"
When Han Qiulin heard the words "Shang Fang Sword", she immediately realized that she would definitely give it to her without a doubt. Tiansheng would not be stupid enough to go directly to the developer to negotiate, it would be useless!
Instead, talk to the other party who can control the lives of those developers, and let the other party put pressure on them. If that doesn't work, then talk to the party who can control the lives of the other side. You must be able to use the "Sword of Shang Fang" in your hand.
You can crush you to death at the first level. When the time comes, pressure will be applied from top to bottom. Heroes from all walks of life will do ideological work for those developers. If you have nothing to do, please go have a cup of tea or something...
At that time, the developer himself will come to Tiansheng Capital proactively, and he will have to laugh and ask you to start construction. This is the correct way to open it.
You must know that the current energy of Tiansheng Capital is also first-class. In the words of the outside world, it has the ability to reach the sky.
Being able to manage tens of trillions of wealth also represents a huge amount of energy and influence.
Lu Ming drank half a glass of water and then continued: "You start setting up a team to conduct a nationwide survey on all unfinished buildings in the name of Tiansheng's research and evaluation of the real estate industry to find out what's going on here.
The actual situation, how many unfinished buildings are there? Where are they? How bad are they? These data must be clarified, and they will be completed by the end of the year. I want to see the data results."
When Lu Ming said this, he immediately emphasized: "Remember to keep it confidential. You must not leak out the fact that Tiansheng wants to take care of unfinished buildings. Before the final data comes out at the end of the year, only you and I will know, and the research team below cannot follow it."
They said."
Han Qiulin nodded while making a memo. This matter must not be leaked. Once it is leaked and the real estate companies know about it, they will 100% lie flat and wait for you to take over. On the contrary, it will cause
More unfinished buildings.
Although Tiansheng Capital can bear the construction and installation costs of unfinished properties without any pressure, it is relatively speaking. In fact, the base figure is still a very large number.
After a while, Lu Ming continued: "Then we will start planning to establish a non-performing asset disposal agency. All the construction and installation costs invested in the unfinished properties involved will be packaged and put into this disposal agency as non-performing assets. In the future, we will slowly go after developers to pursue them."
Whether the debt can be recovered is one thing, the identity of the creditor must be sealed."
Lu Ming's plan to intervene in those unfinished real estate projects is not simply to give money directly, only a fool would do this.
The total construction cost of each property is determined before construction begins. For example, the construction and installation cost of a property requires 100 million yuan. The developer has invested 30 million yuan in it, but halfway through the construction, the developer ran out of money, so
As a result, the construction of the real estate was suspended and unfinished.
At this time, if Tiansheng Capital wanted to step in and build this unfinished property, it would have to spend 70 million to continue building the house, so it packaged the 70 million into a debt and put it on the balance sheet of the developer of the property project.
, it is equivalent to the developer borrowing 70 million from Tiansheng Capital, but the money will not be given to the developer, and if it is given, it will be like a meat bun beating a dog.
This money was placed in the account of the special relief fund established by the Science and Livelihood Fund.
As for developers at this time, they are already in a situation where they have too much debt. They go crazy and borrow money everywhere and can't borrow a penny. One more amount on the balance sheet is just that. At least one of their properties is not unfinished and guaranteed.
Completion means that we can continue to sell the house and collect some funds.
After all, not all the houses in an unfinished real estate project have been sold. For example, in a 200-unit real estate project, 150 units were sold before it was unfinished, and 50 units were left unsold.
At this time, the houses have been built, and the remaining 50 units that have not been sold are new and existing houses. Once the home buyers see that the worry of the new house being unfinished disappears, they will have more confidence to make a move. If one unit is priced at 1.5 million,
The 50 houses that were originally unsold were sold, and the developer was able to collect a large amount of funds.
Therefore, the developer has enough reasons to accept this liability from Tiansheng Capital. Even if the money does not reach the developer's hands, even if he has some hard ideas, Tiansheng holds the "Sword of Shang Fang".
For Tiansheng Capital, the moment it decided to spend the money, it was ready to package and dispose of the non-performing assets. There was no expectation of 100% recovery, but the debt relationship had to be established.
This unfinished property requires 70 million in funds. Tiansheng lent 70 million to the developer, which is reflected on the developer's balance sheet. Qian Tiansheng will not hand over real money to the developer, but Tiansheng will transfer the unfinished house to the developer.
Once it is built, the developer will just repay the principal and interest to Tiansheng.
Regardless of whether the developer can pay back the money in the end, the creditor-debt relationship between the two parties is there. The developer will either go bankrupt. If it goes bankrupt, it doesn't have to pay back. As long as it doesn't go bankrupt, the developer will have a debt owed to Tiansheng on its balance sheet.
A sum of money means that the developer will have to pay it back when he has money in the future.
What Lu Ming knows very well is that it is basically impossible for developers to go bankrupt. This is also true. So far, almost no developers have been seen to declare bankruptcy. Even if developers want to apply for bankruptcy, they will not be approved.
The reason is very simple, that is, once the developer can go bankrupt, the home buyers can legally abandon the house and cut off the payment, because the company that signed the contract is gone, and then all the bad debts will be left to the bank.
Therefore, it is basically impossible for developers to go bankrupt, and the debts owed to Tiansheng Capital cannot be shaken off. The future is long, so they will all be packaged and placed in a non-performing asset disposal agency, and then the debts will be collected and disposed of slowly.
It is impossible for all real estate developers to die, which means that some costs can always be recovered in the future.
It's one thing if you can't pay me back, but it's another thing if you owe me money. If you don't want to pay me back, it's better to have no money. But as soon as you have money, I will appear in front of you: you have money.
Got it? Pay back the money!
As long as the debt relationship is left there, there is a possibility of recovering it. Even if the probability is very small, it is still expected and has value. It can even be a debt transfer transaction as long as someone is willing to take it.
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