Chapter 343 [If you want to play the big ticket, the super big one, just one wave]
In the afternoon, Brother 8000 came to a local financial institution. He was greeted by a middle-aged man in a suit and leather shoes, who was dressed in the standard attire of a successful person.
The middle-aged man poured a glass of water for Brother 8000, then sat down opposite him. Looking at the real estate certificate and related information on the table, the middle-aged man crossed his legs and said with a smile: "Gangzi, you can't do it anymore, right?
You have the money, right? Just come to me with the money in a hurry."
Brother 8000 didn't mince words and said bluntly: "Brother Cheng, I need money now, and it's urgent. You are a good house player, so you must help me get the money out as soon as possible."
The two of them have known each other for several years and can be regarded as old friends, but when they were discussing business, Brother Cheng said: "Gangzi, you sell out the two houses under your name. I don't care what your house is. You are here to borrow it now."
Regarding money, I want to control my leverage and funds, so my house needs to be credit-enhanced. I will definitely not spend 30 to 50 million to put it there for you. It’s not worthwhile for me to earn that little interest.”
"You are in urgent need of money now. The capital chain is broken or whatever the reason is. Your house is for sale urgently. The appraisal price I give you is the bank price. If I take over this house, I will provide a credit line to the company below me and use the house as the price."
The mortgage and credit enhancement provide guarantee to the company and then the company will operate it normally. The money is still floating around here, but the house is already in my name. You have to understand this."
Brother 8000 said: "Can we find an appraisal company to make the house higher?"
Brother Cheng looked at his real estate information and said: "You are in urgent need of money now. You have to get the money today. How can you have time to do this? The bank has given you a credit of 46 million for these two houses, which is almost enough."
It’s not much higher, I’ll give you 40 million.”
Brother 8000 was a little anxious when he heard this: "Brother Cheng, you just lost 6 million for me?"
Brother Cheng said: "Gangzi, my bottom line is not that when we talk about it, you come up and ask for 100 million first, and I counteroffer for 80 million. That's not the case. The upper limit of my asking price is the guaranteed credit limit given by the bank, and it will not exceed
With this amount, you are in a hurry to take action. If you accept it, I will definitely not accept it. In business, it is impossible for me to give you more than the bank's credit limit. I want to control my leverage and
funds."
After a while, Brother 8000 made a decision on the spot: "Okay, deal, but you have to give me the money today!"
Brother Cheng said: "Money is no problem, but you have to understand this. It is impossible for me to transfer the money to your house. First, I must transfer the money through the bank's credit extension, and then use other sources of funds to do so."
Bridge lending means that I temporarily withhold the money but I will quickly replenish it in the name of the company."
"Let's reach an agreement, 40 million, right? You take the money, and I don't care what you do with the money. The bank is already doing the procedures on the day we transfer the house. The bank procedures will be completed as soon as the transfer is completed."
, the house has already been provided as a guarantee to the company on the same day, and the money will immediately come out of my financial system and be handed over to you."
In this wave of operations, Brother Cheng did not pay out a penny, he still owns the house, and the company is still running normally.
And this money comes from the bank's credit increase. For Brother Cheng, it's enough to sell the house slowly. Anyway, he didn't pay a dime and the house is running normally. The bank's credit extension has a cost, but it is very low.
The two parties reached an agreement and signed the agreement quickly. As soon as the agreement was signed, Brother Cheng immediately put the two houses worth 8,000 yuan on the market for 55 million yuan on the same day. It didn't matter even if they couldn't sell them in ten years, the holding cost was too low.
Because there is no real estate tax, there are only property costs, transfer costs, and credit costs, and there are no other costs. The holding costs are very low.
It can be seen that many valuable houses in first-tier cities are not houses but collaterals.
For Brother Cheng, it is just a matter of wandering around in his financial system, waiting for the next person to take over the offer. If the person who takes over the offer is bleached, he will take the opportunity to raise the price to 60 million, 80 million or something.
Bang! After the transaction was completed, tens of millions of profits were obtained. As for the person who took over the deal, whether there was any problem with how he got the money, whether it was tax evasion or something else, Brother Cheng didn't care, he didn't ask, he didn't inquire, just like Brother 8000.
If you are in a hurry to use money, you don't care, don't inquire, don't ask.
The agreement was signed that day. Brother 8000 was in a hurry to use the money. The two parties were relatively familiar with each other. Brother Cheng took care of him more and used some of his personal resources. While signing the agreement, he called me over and the bank also started to process it simultaneously.
It's a formality, but the efficiency is incredible.
The whole process took two and a half hours... Bang!
40 million transaction!
As for the house itself, Brother Cheng has never looked at it and will not look at it at all. It is not something to live in. It is just a collateral and a financial tool.
Brother 8000's account has more than 40 million more disposable liquid cash, because through Brother Cheng, he also gave away the Mercedes-Benz under his name, which is a small thing for Brother Cheng.
After all the RVs were sold, Brother 8000 still hadn’t taken them away. This time he wanted to buy a lot of big ones, extra-large ones, just like a wave.
Later, major Internet financial platforms such as Zaibei and Baitiao, formal and informal platforms, raised more than 10 million in total. I don’t care about you, just withdraw it later.
What I have to say is that compared to most ordinary people, Brother 8000 is a completely successful person and a high-quality customer in the eyes of many financial platforms. After all, he has real assets. Two units in the center of a first-tier city are worth four
What about a 50 million house?
Moreover, Brother 8000 has many wild ways, he is very courageous, and there are many ways to make money. It is not difficult for him to obtain a considerable amount of funds in a short period of time.
Today, the short position in the trading account was successfully closed, because there were not many orders closed after the market was closed, and the transactions were queued up. The stocks were bought back and returned to the brokerage, and the funds were released.
Now all of them are added up, including 15.3 million in securities accounts + 12 million in loans + 40.52 million in RVs + 7 million in all bank card cash. The total liquid cash generated has reached a huge 74.82 million.
Then Brother 8000 came to an offline physical financing institution around 18:00 that day and said that he wanted to get a very large ticket. Can you tell me if the over-the-counter financing fails to keep up?
What a coincidence, the owner behind this capital allocation institution is Wanxiang Group. After the stock market crash of that year, Lao Wang's Wanxiang Group also suffered a huge blow to its capital allocation platform, with non-performing assets as high as 200.
Billions, that is, bad debts that cannot be recovered.
However, the configuration business is still done indirectly, and P2P has been cut off. It is possible to make some money by relying on the configuration platform of Wanxiang Group. After all, the profits are huge.
At this moment, in a room inside the capital allocation institution, the salesman who entertained Brother 8000 asked repeatedly: "Mr. Ye, are you sure you want to allocate 12 times leverage funds?"
The capital allocation leverage of this capital allocation agency can be up to 12 times, with a minimum allocation of 100 yuan and a maximum allocation of 50 million yuan. Anyway, this is the rumored advertisement.
Brother 8000 nodded with certainty: "I'm sure, I have only one request, I must be able to operate funds tomorrow."
The salesman replied: "You don't have to worry about the funds. Wanxiang is our major shareholder. We have strong financial resources and the funds will be available on time as soon as the agreement is signed. But Mr. Ye, as long as your account loses 6% as a whole and fails to add margin in time, we have
I have the right to close all your positions directly, otherwise this cooperation will not be negotiated."
Brother 8000 nodded crisply: "Of course I know that, no problem!"
The salesman immediately said: "What is the minimum amount of capital Mr. Ye plans to allocate?"
Brother 8000: "74.82 million."
The salesman who received him said "Huh", but he almost couldn't sit still the next moment. After reacting, he stared at Brother 8000 with wide eyes and said in shock: "What? More than 70 million? Mr. Ye, are you sure you are not joking?"
Brother 8000, who had lost 50 to 60 million in a few days, was already in a bad mood. When he heard this, he said impatiently: "Do you think I am joking with you?"
The salesman took a look at Brother 8000. He didn't expect that he was a wealthy man because of his humble appearance. He was stunned for a moment. After he realized what he was doing, he quickly said: "Mr. Ye, please wait a moment. Your quota is too large.
I don’t have the right to make the decision, I’ll go find our general manager right away and come over to talk to you.”
Although Brother 8000 did not show his capital account, the salesman was overwhelmed by his aura just now. At first glance, he seemed to have an extraordinary background. Just looking at the surname Ye, he seemed to be extraordinary.
