Consumer God

Chapter 217 We have people in every link

After Han Lie entered Liu Minghao's circle, the content of the chat suddenly became wild.

This group of people can do everything, and those who run restaurants like Sun Changzhe are completely scumbags among them.

Those who lend money and those who engage in real estate chat happily.

Those engaged in international labor export and study abroad intermediaries have a deep common language.

The most ruthless buddy is mining in Africa, and not in the five North African countries with better security, but in Sudan, Congo and Chad.

And the richest one runs a vegetable wholesale market.

Isn't it magical?
Han Lie was actually surprised too, but that buddy had more cash flow than the mine master, and his wife held four or five buildings.

——It’s not a set of buildings, it’s really several buildings!

"What kind of private equity and stocks are you guys doing, I don't understand!"

The stocky and stocky Mr. Cai is straightforward, with a quack air that is rare among men in Shanghai.

"But I believe in Lawyer Liu. When the time comes, how much money your company will be short of, buddies will make it up for you!"

Good guy, I don't know how to respond to Han Lie's rectification...

Reject it, it's just to save face.

Don't refuse, I really don't need your vegetable money...

Compared with Master Cai's enthusiasm, that hanger who lends money is a bit too self-important.

"Little brother, can you guarantee 20% of the fund for a year?"

"No."

Han Lie chuckled and shook his head.

"Tut tsk tsk..." Hanged Man sighed pretendingly, "It looks quite tall, but it turns out it's hard money..."

Han Lie understood immediately, this hanging man regarded himself as a competitor.

Hey, that's interesting!
These days, those who engage in large-scale private loans do not use their own money.

Who has [-] million Kacha Kacha to lend it all?

A maximum of 5000 million can be released, and only for those hard relationships that are particularly successful and have collateral, earning a low interest rate of 12.00%.

What about the remaining high-risk customers?
Go out and raise money!

More than a dozen points are melted in, and 25 points are released to make a difference.

The best players are those who can get money from the bank.

Get it at an annual interest rate of [-] o'clock, and resell it at more than ten o'clock, earning blood.

Players who are not so good can only find money from outside, and the cost is relatively high.

However, as long as you can find money, no matter how high the cost is, you can make money, which is better than staring blankly at no money.

Therefore, people in this business are always very nervous about the money in the network. Their network is only so big, and the money they can raise is limited. The more they are broken by others, the more they will naturally borrow. few.

If you can’t get money, it means you can’t release money, and if you can’t get money, you can’t make money. Isn’t it uncomfortable?
In fact, Han Lie didn't want to take those messy money at all, nothing else, he didn't like it.

Uncle Lie won't accept money that has no added value.

But the hanging man obviously didn't know and didn't believe it, because other people's private placements were indeed poaching and stealing money, and they dared to use any tricks.

So it was actually a misunderstanding, the other party underestimated Han Lie too much.

Brother Lie didn't intend to explain, do you deserve it?
"It's not your hard work."

Han Lie chuckled and glanced sideways at him, but didn't give him his face.

"You use 20 annual interest for financing, but you can't release 25? With this cost, the real estate company can't afford it? How many lawsuits do you have to fight a year..."

"Grass!"

The hanging man became anxious, his face flushed red.

"Do I need to go to court? Brother, you go to Qingpu Yangpu to inquire, who dares not to pay me the money owed to Yang Zhi?!"

He's in a hurry, he's in a hurry!

Han Lie immediately realized that this hanging man was of no class.

Glancing sideways at Liu Minghao, the old Liu was watching the excitement there with a smile on his face, and he didn't intend to stop him or smooth things over at all, so he knew it right away.

The conclusion is very simple - Liu Minghao can hold back this hanging man!
If it was a real boss who couldn't afford to offend, Liu Minghao would have already stood up to smooth things over.

No, if he was a real boss, he definitely wouldn't be so sensitive and eager.

Since you can afford to offend him, let's take him for a walk, so as not to save a bunch of local snakes from thinking that we are young and not taking Brother Lie as dry food.

Thinking of this, Han Lie's smile deepened.

Glancing quietly at the real estate agent who had a worried look on his brows but still had a steady demeanor, Han Lie rounded his arms and slapped him.

"Don't get excited, I'll settle an account for you——

This year's real estate market is indeed not good, both volume and price have fallen, many real estate companies are short of money, and bank credit is also relatively tight.

But I'm in finance, so I don't know how to raise money.

I can't get low-interest loans, but as long as the company has real estate under construction, it is still easy to find channel funds of more than a dozen points.

Come, let me teach you how to play——

The first step is to find a reliable expert, negotiate with brokers and trusts, and set up an ABS project.

The repayment source is the repayment funds from the future sales of the real estate, and the project guarantee is based on the equity of the parent company or the assets held by the land, property company, parking lot, etc., and the report is completed.

The second step is that the project is ready, let’s sell it out.

It can be sold to ordinary people in pieces, or it can be sold to big households in packages.

Now state-owned enterprises are not short of money, even if they are short of money, they can get loans.

Find a state-owned enterprise that is willing to cooperate with you to make a loan. The annual interest rate they get is 4.2%. If you backhand invest in our project, they charge 8.5%. Is it fair?

What the brokerage is doing here is a channel, charging a 1% channel fee.

What the trust is doing is the main body of the project and credit enhancement, and charges 2.5% of the service fee.

Experts are busy back and forth, 1% is not too much, right?

After the whole project is completed, 10 billion yuan will be raised, and the total cost will be 13%.

If the company's qualifications and assets are really bad, and the cost has to be higher, 18% can always be done, right?

The ones that really can't do it are the insolvent leather bag companies, and there are no gods.

You see, the lucky 13% can get the money, and the unlucky 18% is enough, how about you?
You gave 20% when financing, and 25% was released to whom?
If someone really wants it, they must be too poor to die. Once something goes wrong, how do you recycle it?

Attorney Liu can help you with the lawsuit, but the court can't change the money if it is enforced, right?

What's the matter, are you going to send the whole family to the mine master to mine and pay back the money? "

"Ha ha ha ha……"

As soon as Han Lie's words fell, the surrounding immediately erupted into roars of laughter.

Among them, the mine master laughed the most. He stroked his blue-glowing scalp, blending in with the attitude of watching the excitement and not taking it too seriously.

"That's a good relationship! There is a shortage of miners in my area. Lao Yang, you can put a few more out. When the time comes, get me a container and ship them over. I'll take them all!"

"you you you……"

Yang Zhi was so angry that his mouth was full, and he stared at his eyes and finally managed to say: "Who can't ride a horse if you are bragging!"

He didn't believe it, but the real estate agent named Gu Yong suddenly rushed over, grabbed Han Lie's hand, and asked eagerly: "Mr. Han, are you sure you can do this?"

Han Lie waited until he was the master, and smiled meaningfully at Yang Zhi before responding to Gu Yong.

"Of course, there's nothing wrong with policy.

早在05年12月建行就发行了国内第一支‘建元2005-1个人住房抵押贷款证券化信托’，经过6年试点，11年5月新的指导意见发行，ABS项目主体扩大。

In the second half of last year, the Shenzhen Stock Exchange issued the first trust project with real estate companies under construction as the main body, and the industry responded enthusiastically.

Mr. Gu, if your company is doing well, but it is only trapped by the current domestic real estate loan restriction policy, then it is really not a big problem to get the prepaid cash flow at a relatively reasonable price. "

"Below 15%, is it possible?!"

Gu Yong's eyeballs were red, and his voice trembled slightly.

Han Lie was still holding his right hand, so he patted the back of his hand warmly with his left hand, and comforted him: "Analyzing the specific situation, I don't know your company's needs and difficulties, so I can't give you any guarantee.

But the cost is actually pretty good.

If your project itself is relatively good, the company’s mortgage adequacy ratio can reach 70%, or a friend is willing to provide joint guarantee for you, then the intermediate cost can basically be controlled within 6%.

Law firms, accounting firms, and rating agencies charge fixed fees. The more money they raise, the lower the proportion of legal costs in the total.

In the end, it was money——

If it is necessary to underwrite externally and sell the product to Jimin, the capital cost may be as high as 8% or 9%.

If you have the relationship to find a state-owned enterprise that is not short of money, the cost of capital may even drop to 6%.

Judging from the current case, the lowest 11.00% can be achieved, and the highest may be 20.00%, which is different. "

Han Lie spoke in great detail, and Gu Yong understood it thoroughly.

"Thank you, thank you! Teacher Han, you have helped me a lot!"

Gu Yong grabbed Han Lie's hand and shook it non-stop, he was so excited that he even spoke incoherently: "That's right! Go-between! You can be my go-between!

My company's project is very good, it can definitely be done!
Is the rule 1%?
In this way, if you can achieve less than 15%, I will give you 15%, and the rest will be yours!

If it is really impossible and can only achieve more than 15%, then I will give you 1% alone! "

Ouch, look at Mr. Gu's anxiety!

In fact, it was a coincidence. From 13 to the first half of 14, it was the period of underestimation of the entire real estate industry.

It is one aspect that the house is not easy to sell, and the policy restrictions are even worse.

At this time, in fact, few people can think that after 15 years of huge stock market crash, the real estate industry will break out the final and highest peak.

This has nothing to do with vision, it is just the unilateral destruction of every individual by the torrent of the times.

"Wow!"

Hearing Gu Yong's promise to Han Lie, exclamations erupted all around.

They were in the same circle, and they knew exactly how much money Gu Yong was short of, so they instantly realized how much wealth it was.

At this moment, Yang Zhi's face turned completely green.

Ha, congratulations to Brother Yang for finally getting back his proper nickname!

"Brother Gu, do you really believe Xiao Han's nonsense words like this?"

Sour, sour.

Gu Yong turned around fiercely, and glared at Yang Zhi: "Your surname is Yang, did you give me a face? I have to be called Mr. Han, what kind of onion are you?!"

Not to mention, Lao Gu's eyes suddenly widened, he was quite imposing.

Yang Zhi was scolded until his face turned blue and red, but he didn't dare to lose his temper, so he could only reply aggrievedly: "Brother Gu, am I afraid that you will be deceived..."

"Don't fucking call me Brother Gu, we just went through a bridge loan relationship, I didn't give you any interest?"

Gu Yong stretched out his finger and pointed at Yang Zhi's nose, vowing to stand up for Teacher Han to the end.

"Regardless of whether Mr. Han can accomplish this, his professionalism and quality are here, so many people in our company can't find a way, and he can break the situation casually.

You, a Yangpu mouse who fiddles with small money, what kind of meager thing are you, sowing discord with me here? ! "

Good guy!
Yang Zhi was completely overwhelmed by the scolding, trembling all over with anger.

Gu Yong's voice was indeed a bit loud, and the guests who were far away around him heard the voice and looked over curiously.

But Gu Yong didn't care at all, and even took another step forward, almost hitting Yang Zhi's nose with his fingers.

"Come here! Apologize to Teacher Han!"

Yang Zhi's eyes darkened, he was angry, anxious, afraid and regretful, wishing he could pass out.

Oh shit!

Why do I offend that little bum when I'm free? !

Being stared at by so many people, he felt his face smashed to pieces on the ground. He didn't dare to hate Gu Yong, but hated Han Lie to the core.

But at this moment, Liu Minghao suddenly walked up to him and patted him on the shoulder lightly.

"Xiao Yang, Teacher Han is my honored guest, do you know what an honored guest is?"

Yang Zhi's whole body trembled, and his mind was completely awake.

And Liu Minghao didn't pay attention to his reaction at all, and continued speaking slowly.

"Apologizing is due, but Mr. Han is not unusual, you two are not in the same way, nor are you at the same level.

So I call the shots, you can go.

There is only one thing——

After you go back, remember Teacher Han in your heart, you don't need to hold him in admiration, but you have to be afraid.

Next time, if you have any unhappiness with Mr. Han again, no matter what the reason is or who is responsible, I will personally crucify you.

Do you understand? "

Yang Zhi was terrified.

After knowing each other for so long, he had never seen Liu Minghao so rude.

In his memory, even when Liu Minghao faced his opponent, he always looked smiling and personable.

And the most critical question is - Yang Zhi doesn't even have to be afraid of Gu Yong, even if Gu Yong is indeed very powerful, and he has hundreds of men who dare to fight.

However, in modern society, law is king after all.

Violence can threaten honest people, but it can't scare hob meat.

But he couldn't help but be afraid of Liu Minghao, because Liu Dashen was part of the laws of the Devil's City.

Who is not afraid of the big boss who is involved in the gray industry of private credit?

"Mmmmmmm!"

Yang Zhi nodded his head like a chicken pecking at rice, and the sadness in his heart flowed like a river.

Asshole!
You value him so much, you should have said earlier!
I have been watching the fun with a smile before, but I didn’t see how enthusiastic and protective it is. The co-author is waiting for me to be stabbed. Do you want to give me a favor? !
Yang Zhi is not stupid.

Not only is he not stupid, but he is also very naughty and alert like a small person.

It's just that Han Lie's age and appearance are too confusing. He didn't really realize the importance of Han Lie, so he was dazzled by the so-called "competitive pressure".

Greed is the original sin, you can't blame others.

"Mr. Han, uh, no, I'm sorry, I drank a little too much... I'm sorry!"

After all, Yang Zhi apologized, then hid his face and fled.

The haste of footsteps, as if a wolf was chasing and biting his butt.

"Hahaha!"

Yang Zhicai walked a few steps, Gu Yong couldn't wait to laugh, and returned to Han Lie's side.

"Mr. Han, you are laughing at a jumping clown!"

Yang Zhi suddenly slammed garlic under his feet, almost hitting the ground.

He staggered a few steps, supported the table, and hurried out in a panic.

As soon as he entered the elevator, his eyes were red, and he cursed more than 20 times in one breath—it was not Han Lie, but Gu Yong.

In fact, Yang Zhizhen can't be regarded as a small person. Before Gu Yong was extremely short of money, he found a short-term bridge fund of 3.5 million to help Gu Yong through the most difficult month.

Regardless of whether the business of private lending is high-level or not, it is true that he is capable, and it is also true that he helped Gu Yong.

As a result, Gu Yong is actually like this today...

"I'll take care of your uncle!"

Yang Zhi cursed again, completely hating Gu Yong to death.

Teacher Han?

Oh, that's not the main contradiction...

In the venue, Gu Yong became more and more enthusiastic towards Han Lie.

Han Lie understood what he meant, and at the same time, he didn't dare to underestimate this ruthless man.

When Yang Zhi was useful, he was called Brother Yang Zhi.

When Yang Zhi couldn't help, and even wanted to drink his blood, he immediately turned around to support Han Lie who met for the first time today.

This is a competent businessman, but not a friend to make.

Therefore, Han Lie just played politely with Gu Yong, and was still unwilling to agree.

"Mr. Gu, firstly, my time is really tight, and secondly, when I do similar business, I'm just talking on paper, so you can look for it later!"

But Gu Yong bit Han Lie to death and refused to let him go.

"I only trust you!"

Han Lie sneered inwardly.

What's the use of you trusting me?

Brother, do you want to earn that little commission from you?
As a result, Gu Yong suddenly lowered his voice and whispered: "Mr. Han, to tell you the truth, my current fund gap is indeed a bit big, 25 billion is the best, if it is not enough, 20 billion is fine.

As long as you can get things done before March next year, I will pay for the 3% of the total package cost, whatever you earn, and let Liu Lu testify! "

Brother, I really don't care about you...

Wait a minute!
How much money are you short of? !

Brother Lie was a little careless before, and didn't listen carefully at all, until the number echoed in his mind twice, and he suddenly became excited.

fuck me? !
25 billion? !

Old iron, you actually have this strength?

Liu Minghao had been watching the fun from the sidelines, and originally didn't intend to get involved.

Until this moment, he observed Han Lie's surprise and seriousness.

The man with clear brows and eyes lightly patted Han Lie on the shoulder and called him aside.

"Mr. Han, don't think that Gu Yong is just a local developer, and now he is in trouble, but he is actually quite capable.

What kind of city is the magic capital?
It is not easy to develop real estate here.

Lao Gu's main problem is the bank's withdrawal of loans caused by the policy, and the relationships he managed before are not working well.

If you really have a way, you can try to do it.

I estimate that 15% is definitely not his bottom line. If you feel embarrassed, I can come forward and talk to you again.

Although this money is hard to earn, it is better to find money from the market quickly, but the market cannot accommodate too much money in a short period of time, right?
If we can open another way, the meaning will be different. "

Makes sense...

Han Lie really fell into deep thought.

The first thing he thought about was what benefits he could get from doing this.

Realtor friendship?
fart useless!

Han Lie is not naive, so he doesn't care about the real estate agent who is about to become famous.

If I need a house, I will buy it myself.

It doesn't even matter whether the luxury housing market collapses or not, anyway, Brother Lie has experience in spending money, and he is happy to buy at the highest point.

Friendship between brokers and trusts?

The same fart is useless.

There are experts who can do the ABS business internally, but there may not be many now, and they will explode every two years.

So, there are only two advantages to doing this.

One is to make a lot of money.

The second is to be able to make money with Liu Minghao and Lao Dou.

Liu Minghao's law firm will need similar business. Although it is paid a fixed salary, it is indeed profitable.

Lao Dou has a lot of state-owned enterprise resources, so he should be happy to do some resource exchange.

In fact, this is more meaningful than Han Lie making money by himself.

A person who is forced to make money for many people and realize their power is a white glove.

A person who actively leads a group of capable people to make money and integrates everyone's resources is a leader.

Eating alone can't go far in the domestic environment.

And this alone is not much.

Gu Yong has a demand of 25 billion and fixed 15% of the cost. If he operates well, Han Lie may reduce the real cost to about 11%, earning 4 points.

4 points is only [-] million...

Cough!

To be honest, there are not many, but it is still very important in the early stage...

Therefore, this matter is worth spending a little time, do it and see!

After considering the benefits, the difficulty should be considered next.

In fact, what should be done with this thing, Han Lie only had a half-knowledge in his previous life. On the contrary, the newly learned level 4 economics and finance in this life have made great contributions.

At the very least, let him understand the whole process in theory.

Temporary adjustments to places that are not right!
Dude has so much experience, what are you afraid of?

"Okay, you find a chance to chat with Gu Yong, and I will communicate with the trust and brokerage."

Han Lie made up his mind and immediately showed extraordinary determination.

Liu Minghao smiled heartily, and raised his eyebrows at Han Lie: "Brother, don't underestimate our circle of friends! I have listened to your general process, we have people in every link!"

*******
(End of this chapter)