Shenhao starts from the lottery of 1 million

Yi Anguo now finally understands why many rich people complain that they have no money. The richer people are, the more money they need, because money is never enough to spend.

And the richer people are, the more money they owe to banks. Whenever banks tighten money, many rich people have to tighten their belts and find ways to borrow money with a sad face.

Because if the capital chain cannot be connected or broken, it will kill people, the company will go bankrupt, and the boss will run away to avoid debts abroad.

Yi Anguo can also sell some properties to cash out, but selling a house now is not very cost-effective.

Yi Anguo was thinking about how to get more funds to invest in the stock market. After all, this was a once-in-a-lifetime opportunity! If you miss it, you will never have it again.

Can you imagine that after 2008, the big A-shares have remained the same for more than ten years, with the stock index fluctuating around 3000 points for a long time?

At this time, President Jiang from the Development Bank called.

Yi Anguo and President Jiang are very familiar with each other because of the loan relationship, but he usually takes the initiative to contact President Jiang, and President Jiang usually does not take the initiative to contact him.

"President Jiang! Hello!"

Yi Anguo was very confused. He didn't know what was going on when President Jiang took the initiative to call him.

"Mr. Hao! I'm sorry to bother you! I have something I want to ask you for help with," President Jiang said straight to the point.

"President Jiang, you are the God of Wealth. What else can you ask me for help with?" Yi Anguo said with a smile.

"It's like this. Our bank's credit business has not yet completed its tasks, so I would like to ask, do you have any financial needs now?" President Jiang said with a smile.

"President Jiang, are you kidding me? Your bank has money, but are you still worried that you can't lend it out? A lot of people are looking for loans and are looking for help everywhere." Yi Anguo said in great surprise.

"Although what you said is correct, the money in our bank cannot be loaned out casually. It is easy to get a loan, but it is not so easy to get the loan back." President Jiang said with a wry smile.

"This loan cannot be repaid. We are jointly and severally liable, so we will not approve loans that do not meet the conditions."

"Mr. Yi is a high-quality customer of our bank and has a very good credit rating, so we must give priority to serving customers like you."

"I definitely need a loan and funds very much, but my property has been mortgaged to your bank for a loan. If I want to get a loan again, I have no collateral." Yi Anguo said truthfully.

"Your property has been mortgaged to our bank for a loan, but hasn't your property been promoted now? The initial valuation given to you was an average price of 12000, and now the average transaction price of your house is more than ." Governor Jiang explained.

"So if Mr. Yi needs funds, we can revalue it for you and get another loan. It's absolutely no problem."

Yi Anguo thought to himself, it turned out that we could still play like this. This bank has gone to great lengths to lend money out.

The poorer you are, the harder it is to get a loan. The richer you are, the bank will come to you and beg you for a loan. It is true that banks only serve the rich, collecting deposits from the poor and lending them to the rich. People invest.

"President Jiang, I remember that your bank also does securities financing! Now I have 4 million yuan in assets in my stock account. How much financing can I apply for from your bank?"

Yi Anguo suddenly remembered that stocks could also be financed, so he asked.

"Of course this is possible. We usually cooperate with securities companies. However, if you want to raise funds from us directly, that is also possible, but your account must accept our supervision. When the funds are at risk, that is If the stock depreciates severely and the margin is insufficient, we can forcefully close the position to avoid the loss of our funds," explained President Jiang.

"There is no problem with this. How much financing can be obtained? How is the interest rate calculated?" Yi Anguo asked.

If you want to raise funds, your account naturally needs to be supervised by the other party. The stock has depreciated too much, and the other party certainly has the right to forcefully close the position unless you can replenish the margin.

"Generally, it's one to one. After all, the risk of the stock market is relatively high, and the price of stocks fluctuates greatly. However, if you need more funds, we can also allocate funds to you on a one to two basis, but the ratio of allocation is The higher it is, the greater the risk, and Mr. Yi still needs to consider it carefully," explained President Jiang.

"As for the interest rate, it is generally 6% to 8%, but Mr. Yi, you are our quality customer, and we can provide funds to you at the lowest interest rate."

"With a one-to-two capital allocation, 400 million yuan can be allocated with 800 million yuan, that's about right!" Yi Anguo said with satisfaction.

Yi Anguo solved the problem of funding to invest in more stocks, and the bank also found high-quality credit customers. Both parties were happy and hit it off immediately.

For a loan of 136100 million yuan, even at the most favorable interest rate, an interest rate of 4800%, the interest rate per day is astronomical, reaching more than yuan, which is million yuan per year.

According to Yi Anguo's investment plan, it will take more than two years, which is more than 100 million yuan.

However, with an extra 100 million yuan in capital, by investing in the stock market, I can earn not only more than billion yuan, but at least several billion yuan in two years, which is very easy.

After solving the financial problem, Yi Anguo felt much more relaxed. He had no intention of accelerating the expansion of the real estate agency for the time being.

In 2008, under the raging financial crisis, many real estate agency companies went bankrupt, and a large number of real estate agents changed careers to do other things.

If we expand wildly and open a lot of chain stores at this time, we will die in an ugly way. In the entire Shenzhen City, there were not many real estate transactions in the middle of 2008.

In February, the transaction volume of second-hand houses fell below 1500 units. In 2007, there were more than 1500 real estate agents in Shenzhen City, and the transaction volume of second-hand houses was less than units. How can we support such a large number of people? Many practitioners.

There are also high rents and company operating costs. Many real estate brokerage companies have had to lay off a large number of employees, close stores, or even go bankrupt.

Moreover, the purpose of Yi Anguo's establishment of a real estate agency was only to facilitate the rental of his own house and the convenience of selling his house. He had no intention of developing into a real estate agency.

As for the fresh food supermarket, the second fresh food supermarket chain has already opened, and Yi Anguo has basically not taken care of it. The third brother-in-law is responsible for it.

If he wants to speed up development, he will inevitably have to increase investment, and the third brother-in-law's shares will be further diluted. Yi Anguo's ambition is not here, so he will let it develop without too much intervention.

After the establishment of Jingjing Trading Company, eight self-operated Jingjing convenience stores were used as model stores for franchisees to inspect, which proved that the advantages of joining Jingjing convenience stores can make stable profits. Each model store, every month The profits are more than 10,000 to 20,000 yuan.

The investment franchisees who came to inspect were very interested in the idea of ​​making a monthly profit of 10,000 to 20,000 yuan and making back their capital in one year with an investment of no more than 100,000 yuan.