Start with buying a house

Chapter 66 Loan blocked (recommendation please! Favorite!)

"You mean to say that it is very unwise for us to develop the land in a hurry and sell the house after building it. If we develop it two years later, the income we get will be a few of the current development and house sale. times?"

Fan Deyi was still shocked and unbelievable, and asked with some doubts.

"Well! Let's put it this intuitively! Last year, the average price of house prices in Shenchuan City was more than 600 yuan. This year's average price is expected to be less than 6000 yuan, and next year's average price will be close to 7000 yuan. In the year after next, in 2006 The house price will exceed 1 yuan, and the average price in the second half of 2007 will exceed 7000 yuan, which is more than the sum of 2005 and 2007.

Our house will be listed for sale at the beginning of next year. If we can get 30.00% return, then after October 2007, the return will be more than 230%.

Do the math!Assuming that the newly built real estate is worth 2007 billion next year, we can earn 23 million, and in two years, after October [-], we can earn [-] billion. How big is the gap? It is equivalent to the income we have gained from developing six or seven new real estate projects. "Ouyang Dehe said.

"My God! According to what you say, we are still developing! I will order them to stop working tomorrow, and wait two years before starting work again." Fan Deyi said immediately.

"If you take a loan from the bank, will the bank agree to your suspension of work? If you suspend work and don't build a house, the bank must not force you to repay the loan in advance!" Ouyang Dehe asked.

"That's a problem. If it doesn't work, we just need to return the money to the bank. Anyway, the money was still in the account a few days after the loan was made, and I haven't had time to spend it yet." Fan Deyi said.

It doesn't matter if I haven't heard Ouyang Dehe's analysis of future housing prices before. Now that I know that the future housing prices will rise sharply, wouldn't it be too stupid to develop and sell houses early?
"Isn't it too much of a loss to return the loan to the bank? Why don't you use this money to get a few more pieces of land and mortgage it to the bank? The bank shouldn't have any objections, right?" Ouyang Dehe Said.

"That's definitely not possible. These loans are for special purposes, and the bank will strictly supervise the use of funds." Fan Deyi said quickly.

"It can only be developed to sell the house. Anyway, there is money to be made. At worst, the money collected from selling the house is enough to repay the bank loan. Let's keep it and not sell it." Ouyang Dehe said helplessly.

"This is the only way to do it now, alas! If I knew it earlier, I wouldn't do it. If I don't owe money to the bank, I don't need to rush to develop it." Fan Deyi also had no choice but to think about it.

After talking about this, Fan Deyi talked about stocks again, and asked Ouyang Dehe which stocks he could trade now.

Fan Deyi just gave him half of the company, and Ouyang Dehe didn't want to hide his secrets, so he had to let him continue to speculate on Guojiu shares, buy low and sell high. Now the price of Guojiu shares is between 27 and 28 yuan. You can buy it at any time. Before 40 yuan, you can boldly hold it. If the stock price exceeds 40 yuan, you have to be out immediately and clear your account.

If you are not afraid of being trapped, you can still hold it and the returns will be very high.

It's not that Ouyang Dehe is stingy and unwilling to introduce Fan Deyi to buy Gan Changyun's stock, but Gan Changyun's plate is too small, and Fan Deyi's capital is a bit large, so let him also buy Gan Changyun, who knows what will happen chain reaction.

For Ouyang Dehe who is very short of money, this is an unbearable loss.

During the repeated shocks during this period, Gan Changyun's stock price has risen to more than 500 yuan a share. Through the operation of buying low and selling high, the amount in Ouyang Dehe's stock account has climbed to nearly 2000 million yuan. , In less than a month, he frantically sucked [-] million yuan from the stock market.

However, this is not the end. According to Ouyang Dehe's limited memory, the stock price of this stock will rise to more than 6000 yuan in the next one or two months. , the funds in his stock account will also reach [-] million yuan.

It is also very easy to earn tens of millions more by just buying low and selling high.

It can be said that Ouyang Dehe is already able to fight with the banker and stand up to the court. If the banker wants to smash the game, he still has to ask him if he agrees.

It is precisely because he knows that he can make a lot of money in the future that Ouyang Dehe is unwilling to withdraw funds from the stock market, and he even wants to invest some more money in it.

Otherwise, he would have withdrawn 1000 million to buy the factory building, so as not to change things later.

After talking about the stock market, Ouyang Dehe was free to talk about his purpose of coming, which was still about the loan.

"Do you still need to find a bank loan for 200 million yuan? If you need it urgently, my brother will give you a turnaround first." Fan Deyi said boldly.

Just based on what Ouyang Dehe pointed out to him just now, the absolute value of operating a stock is 200 million. The 200 million is lent to him, even if it is given to him, it doesn't matter.

If you buy it at a price of 27, 28, or 29 yuan, even if you don't operate it halfway, wait for it to rise to 40 yuan and then sell it, if you invest 3000 million yuan, it will become 4000 million yuan, and the net profit will be 1000 million yuan, at most. In just two to three months, giving Ouyang Dehe 200 million yuan in benefits is a very cost-effective thing!

"The 200 million is only temporary. In the early stage of the Internet company, it still needs money to spend. I want to see if my brother can help me borrow some money from the bank." Ouyang Dehe said a little embarrassed .

A mere 200 million yuan, Ouyang Dehe really doesn't care about it now, so what he needs now is really not 200 million yuan, at least 2000 million yuan!
"All bank loans require collateral. How much money do you plan to borrow, and what assets will you use as collateral?" Fan Deyi also asked seriously.

"Do you think that with the current value of the [-] houses in Golden Age, can we still get a second loan?" Ouyang Dehe expressed his thoughts.

"Golden Age's [-] houses, according to the current appraisal price, are in the early [-]s, which is about [-] more than when they were sold to you, but you have applied for a renovation loan back then. , In fact, each house has only appreciated by more than [-] yuan.

Sixty houses are only 600 million yuan, and the bank will lend you 400% at most, which is 400 million yuan!However, it is really not cost-effective to find a bank loan for the [-] million yuan. My brother does not recommend you to take this step, because the bank may refuse the loan.

My brother should know that when the sixty houses were bought, the loan was on the sidelines. It is not a wise move to go to the bank for a second loan at this time. "Fan Deyi said and shook his head.

"That's it! It seems that it is really not enough! We have to find another way, alas!" Ouyang Dehe said with a sigh.

"I still have some spare money, and my brother is very interested in the Internet company that my brother is going to start. Otherwise, we brothers will also jointly invest in this Internet company. What do you think, my brother?" Fan Deyi suddenly proposed.

(End of this chapter)