The birth of the Hong Kong Island family

Tuesday, May 6.

In the morning, Lin Zhichao held a meeting with 12 employees of Changjiang Real Estate. Instead of adding one more employee, Lin Zhichao assigned Xue Junshan to Yangtze Real Estate with the position of ‘driver’.

Everyone's faces were filled with smiles at this time. Probably in their hearts, if the house sale did not go smoothly, the company might be in crisis, which would affect their future!

In any case, everyone is in a very good and positive state of mind at this time.

Lin Zhichao first asked: "Has all the 250,000 Hong Kong dollars been accounted for?"

Zhou Fuzhao immediately said: "All 258,200 Hong Kong dollars have been accounted for. The company currently has sufficient funds."

Collecting half of the property expenses at once is obviously a big deal.

Lin Zhichao continued: "The owners of the 15th floor need to pay the remaining fees on time for each period. Your finance department must do a good job in this regard."

Zhou Fuzhao nodded, and said seriously: "Okay, we will collect the installment fee on time."

Next, Lin Zhichao said a shocking thing.

"Currently, our reputation in Changjiang Real Estate is booming, and there will definitely be no problem in getting a bank loan. Therefore, we should strike while the iron is hot and do a few more projects or one big project. Manager Hu, if you look for old buildings or land that can be rebuilt, this time I will In terms of land, I plan to invest about 400,000 Hong Kong dollars."

Hu Zhaoxu said excitedly: "Okay, I'll look for land with Ah Hao immediately, and report to the boss if you have a goal." He also has another subordinate.

At this time, Zhou Fuzhao raised a question: "Boss, the asset value of Changjiang Real Estate is estimated to be over 400,000. The loan mortgage provided by banks for real estate is generally 30%. Even if we have excellent credit, it is estimated to be only 50%, almost 200,000. Even if we If you have the money to buy 400,000 yuan of land, you may not be able to meet the later expenses."

Being able to remind the boss is also a good employee!

However, Lin Zhichao said confidently: "I still have other sources of funds, so you don't think I'm going to die this time to survive!"

Everyone stopped persuading him one after another. Judging by the appearance of the boss, he might still have funds in hand.

In this way, everyone also changed their views. The boss is not the kind of person who takes risks.

As for the funds from the boss, naturally no one would ask.

Lin Zhichao came to the headquarters of the Bank of East Asia on Queen's Road, Central, and handed over a name card, asking to see Jian Dongpu, the general manager of the Bank of East Asia. In the past, he might not have met the general manager of the largest Chinese bank in Hong Kong, but now he is well-known, and Jian Dongpu would not refuse.

as expected.

"Mr. Lin, this way please!"

The staff politely led Lin Zhichao there, and soon the two came to an office,

A 60-year-old man stood up from his office and came to Lin Zhichao with a pleasant smile.

Kan Dongpu, general manager of the Bank of East Asia, is 63 years old this year. On the eve of the Anti-Japanese War, Kan Dongpu led the banking industry in Hong Kong and raised funds to aid China's anti-Japanese war. In 1945, the Bank of East Asia resumed business. Under Kan Dongpu's management, the number of depositors increased day by day, and the current deposits are estimated to reach Forty to fifty million Hong Kong dollars. And Jian Dongpu is also extremely smart. When Hong Kong fell, he had already transferred the assets of the Bank of East Asia to Europe and the United States, avoiding a lot of losses.

The Bank of East Asia is now the largest Chinese-owned bank in Hong Kong, and it has also begun to support factory owners in Hong Kong. For example, Vitasoy’s assets are only HK$150,000, but Jian Dongpu made the decision to loan Vitasoy HK$400,000 to restore and expand production. .

There are three major families behind the Bank of East Asia, all of which are well-known and established families in Hong Kong, and have been deeply rooted in the "upper-class Chinese (in the old saying)" for decades.

"Old Jane"

Lin Zhichao took the lead in greeting each other politely, but he did not humble himself at all, he just treated each other with the courtesy of a junior.

"Good! The person who can come up with the 'good idea' of 'strata sales' and 'off-plan sales' and revitalize Hong Kong real estate in one fell swoop is indeed young, promising and extraordinary."

Lin Zhichao said quickly: "Thank you, Mr. Jian! I just feel about the housing situation of Hong Kong people, and have been thinking about the method of 'home ownership', and I achieved this success by accident. I don't dare to offend you, Mr. Kudos!"

It looks like he is being humble, but he elevates himself and describes himself as a person who cares about the country and the people. This is Lin Zhichao's nature - hypocrisy!

But Jian Dongpu didn't think so. He felt that Lin Zhichao was worried about Hong Kong people being homeless at a young age, and thought about "home ownership", and actually achieved it. This is undoubtedly impressive.

"Your success this time has brought a new pattern to Hong Kong's real estate industry. Even the Hong Kong government has praised you a lot. It's amazing."

As soon as they met, he praised Lin Zhichao, not because Jian Dongpu particularly admired Lin Zhichao, but because 'stratified sales' and 'off-plan sales' were too 'revolutionary' and had a huge impact on the industry.

"You are the pride of our Shunde people. I heard banker Jian Dongpu in my hometown when I was a child, leading Hong Kong bankers to raise funds to aid China's resistance against Japan."

"I didn't expect people in Shunde to remember me."

Jian Dongpu is very useful, who doesn't want to be the pride of the people in his hometown!

After some polite exchanges, the two sat down.

Lin Zhichao quickly said straight to the point: "Mr. Jian, Hong Kong's real estate has been revitalized, but the situation in the mainland is bad, and conflicts will inevitably occur across the country. A large number of wealthy businessmen will come to Hong Kong to settle or take refuge, and real estate is always the best Therefore, I would like to implore Bank of East Asia to strongly support Cheung Kong Properties.”

He didn't say how much the loan was, but he wanted the Bank of East Asia to support him vigorously, that is, to establish a long-term cooperation.

As far as he knows, after the war, the Bank of East Asia also supported the "fashion businessman" Liao Baoshan to buy properties and provided financial support. Of course, Liao Baoshan just bought a property and collected rent, without any technical level.

Jian Dongpu's expression remained unchanged, but he asked seriously, "Zhichao, what are your plans?"

If the juniors in Shunde are capable, why doesn't he support them! That's what he thinks.

Lin Zhichao said seriously: "The current asset value of our Changjiang Real Estate is more than 400,000 yuan, and we have established a reputation in the market. Therefore, I want to continue to purchase land and old sites immediately, and quickly realize the sales through 'strata sales' and 'sale of uncompleted flats'." Repayment. I hope that Bank of East Asia can provide 60% of the land loan when we buy the land, and our company will pay 40% of the funds. After that, we will repay the loan from Bank of East Asia by selling off-plan properties.”

Jian Dongpu thought about it seriously. Generally, 50% of the mortgage is a relationship of extreme trust, so this treatment is possible.

However, Lin Zhichao proposed 60%, which seems a bit too high.

However, Changjiang Real Estate has a good reputation now, and the sale of uncompleted properties has an advantage in the market; and by supporting Lin Zhichao, he also made friends with a businessman with potential.

"There is a problem here. You said that wealthy businessmen from the Mainland will come to Hong Kong to settle and seek refuge, but have you ever thought that the Mainland will also affect Hong Kong?" Jian Dongpu said solemnly.

Lin Zhichao was overjoyed, knowing that the time had come for him to fool around.

"How could it be! Let me give you an old analysis, the future of Hong Kong. Therefore, Hong Kong is a bridge connecting China to the West."

Knowing the general trend and being good at management, Jian Dongpu immediately gave Lin Zhichao a high evaluation.

Although he didn't know what the future would look like, he felt that Lin Zhichao was reasonable. It was hard to imagine that a young man had such a long-term vision.

"Okay, I'll come to your company to inspect it later!"

Although I didn't say I agreed, it was obviously self-evident that I could go to Yangtze Real Estate for inspection.

Lin Zhichao left the Bank of East Asia happily. He felt that receiving strong support from the Bank of East Asia was a sure thing.

At the same time, he also opened his first personal network. Not to mention the three major families behind Bank of East Asia, Jian Dongpu’s two sons are both government celebrities.

Lin Zhichao planned to be a blockbuster from the beginning, and then quickly find a backing background, so as to avoid a lot of trouble.

Of course, he looked for a backer because he was strong and worthy of others' support.

Otherwise, just join in. It would be strange if others don’t drive you away!

This time, Lin Zhichao brought out the "strata sale" and "off-plan sale", and its influence can be seen with the naked eye. Even the Hong Kong government has stood up to support it, so you can imagine the influence of the matter.

At the same time, all the big guys in Hong Kong were asking who Lin Zhichao was. They actually came up with two good bridges at once to revitalize Hong Kong real estate.

The next afternoon, Jian Dongpu took people to Yangtze Real Estate.

Seeing Lin Zhichao covered in dust and mud, Jian Dongpu smiled and said, "Did you just come back from the construction site?"

Lin Zhichao nodded and said: "When I first started working in real estate, I wanted to learn everything, so I went to inspect the construction site this morning. It was really impolite."

He was telling the truth. From the plans to the construction site, Lin Zhichao was "stealing from his master" in an effort to master the knowledge as quickly as possible. He cannot always leave design and construction to others. Changjiang Real Estate will eventually be involved in all aspects and become a real estate kingdom.

Jian Dongpu laughed "haha" and said, "You are in this line of business, so I can understand. I am afraid that your subordinates are the ones who brought you back because of my sudden visit."

Next, Jian Dongpu took people to look through the financial accounts of Changjiang Real Estate and inspected the operations of various departments.

During the period, he asked a question: "Through your financial situation, I found that your funds were relatively tight at the beginning, with less than 280,000 Hong Kong dollars. The Shanlin Road project requires 350,000 Hong Kong dollars, so you don't have to worry about not being able to get back the funds. Is this project on hold?"

Lin Zhichao said with a smile: "Actually, I still have some funds on hand, but they haven't injected them in. Of course, no matter how bad our land is here, we can almost complete this project with a 30% loan. It's just that all my funds were welded to this project in the end. , and nothing else can be done.”

Jian Dongpu nodded. He found that Lin Zhichao was full of confidence when he said this, and he guessed in his mind that Lin Zhichao might not still have funds.

Next, Jian Dongpu found out that Changjiang Real Estate had a lot of praiseworthy features, such as very formal financial management, very standardized project management, etc., and immediately looked up to him a lot.

Before leaving, Jian Dongpu said: "If you have a real estate project, you can get a loan of 60% of the land."

"Thank you Jane"