Consumer God

Chapter 255 Finalizing the Contract and New Inspiration
On the 2nd and the 3rd, in two consecutive days, Han Lie completed the preparatory work for the Mingdu project with extremely high efficiency.

Tang Xintian has done a great job.

Dude, she did 48 hours of work in 38 hours.

Coupled with Lu Shuli and the assistant, Han Lie's work pressure was greatly relieved.

The trust, brokerage, and bank contracts were all signed, and Lao Pan used his Pan's asset management as a backing.

On the 4th, Han Lie came to Minggu Real Estate for the second time, signed the official project letter, and immediately sent the relevant materials to Lao Xing.

When he saw Lao Xing at the SAIC headquarters, the old man patted his chest to make sure——

"I've made all the preliminary preparations for the ventilation and ventilation. Don't worry, Mr. Han. The meeting will be held in the afternoon, and the contract will be signed next Monday. It will take another 5 to 8 working days for the money to arrive!"

The most critical part of similar projects is the investor. If the money is not in place, everything else is bullshit.

Lao Xing's attitude was quite good, and Han Lie naturally kept talking good things when he was in front of him, and he went straight to Lao Dou's office when he went out.

"How about it, is Lao Xing sure about it?"

"Do not worry!"

Old Dou is cheerful, and his attitude is also very optimistic.

"It's a good thing. Who doesn't like to make money? 25 billion is not much..."

Look at this big breath!
But SAIC is indeed qualified to be crazy, no wonder they are so confident.

Han Lie was actually worried about another aspect. He couldn't talk directly with Lao Xing, and he had no taboo with Lao Dou.

"It's not necessarily a good thing for everyone to make money, right? I'm afraid that someone will compete with Lao Xing for the position of chairman of the financial holding company and make trouble for my project..."

Old Dou was shocked, and looked over with wide eyes: "Fuck! Who told you?"

Han Lie shrugged: "I guess."

Old Dou convinced.

"You monster... There are indeed people who don't like it, but don't worry, it's just 25 billion, and Lao Xing can handle it by himself. I won't delay your business even if I watch the excitement."

"That's good."

Han Lie was relieved, and had other thoughts: "Hey, in the first half of this year, how much money can Lao Xing spend on similar projects?"

"I don't know the exact number, 100 billion should be no problem, right?"

Dou Mingde made a rough guess and said with a smile: "The group has been in a good state in the past two years. By the end of last year, the debt was just over 2000 billion yuan. The cash flow is abundant. If you still need money for a project, just go to Lao Xing."

Han Lie was speechless secretly.

Today's large state-owned enterprises are simply blood banks...

Regardless of the large number of debts, in fact, it is nothing at all, and it is very healthy.

In the era of masks in the future, SAIC has a debt of more than 6000 billion and has to issue corporate bonds. That is the real difficult period.

Now, Ah Shang is even better than Han Lie imagined.

"Okay, I see, you help me keep an eye on it, I have to go back to work."

"go Go."

Dou Mingde sent Han Lie to the door, and suddenly winked: "By the way, when the contract is officially signed next Monday, Lao Xing is going to arrange where we go to celebrate. Do you have any ideas?"

Come on with me, you don't understand my decency at all!

Han Lie waved his hand disinterestedly: "Anywhere is fine, it's better to be simple."

No. 2 just sent the slag away, and No. 3 accompanied Sister Ting. Today I have to appease Wang Tianqing, who is dying of thirst, and I don’t think I will be free tomorrow. I have to find time to reply to important people’s news every day...

It's boring, it's really boring...

In his previous life, Han Lie never dared to dream that he would have a day when he would be bored with goddess-level beauties.

Men, you really should focus on your career.

……

The 4th is also Friday, the last trading day after New Year's Day.

After a busy day, Han Lie simply glanced at the market when he came back.

The Shanghai Index rose back by 20 points, the Shenzhen Index fell by 32 points, and more than 30 individual stocks had their daily limit, but only one-fifth of the stocks in the two markets closed with a rise.

Typical drop relay.

Han Lie saw the pull down, and didn't have any intention of entering the arena to join in the fun.

On Saturdays and Sundays, all companies are on holiday, but the Mingdu project team is still going all out.

Meanwhile, Brother Ham came to work—Xi Luting finally finished the outline of the new book and sent it to Ham for comments.

Brother Ham replied: "I'm taking the exam, wait for two days."

On Monday, SAIC’s subordinate companies signed a project investment agreement. So far, the Mingdu project has officially closed in theory.

The reason is in theory, mainly because the asset appraisal and audit have not yet been completed.

According to the available information, the total net assets of Nago Real Estate are about 50 billion, which cannot cover the risks of the Mingdu project.

Why can't the 50 billion assets cover the 25 billion loans?

This is the difference between the theoretical value of an asset and its actual sale value.

Therefore, even if Minggu mortgages all the existing assets, it is impossible to get 25 billion loans from any bank.

10 billion can't be done.

Because Nago's debt ratio has already exceeded the warning line.

The reason why the Mingdu project can be established is that it does not use existing assets as collateral, but takes the "future real estate" that has not yet been constructed as the main body, and it is taking a new path that is tricky.

The specific process is very strict.

SAIC transferred 25 billion to a special account opened in Shanghai Pudong Development Bank. Nago can only withdraw money according to the contract, and must obtain the consent of the project leader when withdrawing money.

Among them, 7.8 million yuan will be used to repay the previous bank loans, 9.85 million yuan will be used to make up the land payment, and part of the remaining 7.35 million yuan will be used to pay for the evaluation, accounting, lawyers, etc., and there will be less than 7 million yuan left to start construction.

The construction funds are also withdrawn in batches, and the money is taken according to the progress.

With the supervision of the fund manager, it is impossible for Nagoto to embezzle special funds. This is the meaning of SPD's existence.

As a price, Minggu has already mortgaged all the actual ownership and income control rights of the Mingdu real estate to the project sponsor-Han Lie's Zhongmei Company.

When the full amount of principal and interest is paid at maturity, Gu Yong takes back the ownership of the real estate.

Unable to pay when the due date, Lao Pan will spend money to buy the ownership of the project from Zhongmei according to the agreement, and then Han Lie will settle the cash for all parties, and Lao Pan will take the real estate and deal with it slowly.

If Nago Real Estate fails to complete the project as scheduled in accordance with the contract, the remaining construction funds will belong to Zhongmei, as will the land and unfinished buildings.

In the end, Lao Pan used cash to cover the bottom line.

Where is the awesomeness of the whole project?
Han Lie doesn't need to care about whether Minggu has enough money or time, anyway, he manages the money with one hand and the progress with the other.

Once the contract is signed, all the troubles are yours, and I am only responsible for pointing out.

Supervision and supervision are two-pronged. It is your fault that you cannot complete the project on time, it is your fault if there are quality problems, and it is your fault that you cannot sell it...

The total construction area is 20 square meters, the salable area is 15 square meters, the final pre-appraisal value is 40 billion, and the mortgage is 25 billion. It is really dark.

What's even worse is that Han Lie took advantage of the opportunity that Gu Yong was particularly eager to spend money, and added an additional guarantee agreement——

The parent company, Minggu, will use 55% equity as an additional guarantee.

In other words, if the Mingdu project is not done well, not only the real estate itself will be lost, but the major shareholder of Minggu will also be changed to Lao Pan...

Of course, the 55% of the equity is actually not worth much. The company’s net assets itself includes the paid part of the Mingdu project land, and the remaining bits and pieces are worth at most 30 billion, and 55% is about 16 billion. .

Therefore, it is equivalent to a total guarantee of 40 billion + 16 billion = 56 billion, a mortgage loan of 25 billion, an annual interest rate of 17.5%, and a term of 18 months.

The interest for the first year is 4.375 million.

The interest for the remaining 6 months is 2.187 million.

A total of 31.52 billion will be repaid at maturity.

If the Mingdu project can be sold for about 10 square meters according to the current housing price, it will be enough to pay off the principal and interest.

Gu Yong felt that this job was profitable and capable.

But the truth is, it's hard.

2015是相当魔幻的一年，本项目起始点大概会在2014年1月10号左右，结束于2015年7月10号，刚好是股灾结束的同时间。

How bad was that time?

Not to mention anything else, the real estate market has been collapsing until the end of 2015, until the country's foreign exchange reserves plummeted to 3 trillion, and capital outflowed sharply. As a last resort, the country could only reactivate the real estate market as a reservoir.

With the introduction of a large number of policies, discounts on down payment and interest rates, unlimited purchases and loans, and monetized shed reforms, the real estate market re-entered an upward cycle in 2016.

Why did Han Lie limit the project period to 18 months?

Because if it is a two-year period, Gu Yong will wait until January 2016, and maybe he will wait until the turning point.

The optimistic estimates of all real estate developers will be completely crushed by 2015.

And all the pessimistic expectations formed by home buyers in 2015 will be slapped in the face in 2016, and they will be so regretful that they will beat their chests.

Whoever can grasp this trend in advance will be able to do everything against them.

For example, Han Lie.

Therefore, in fact, the greatest significance of the additional guarantee is that in the event of a breach of contract, Gu Yong must do his best to ensure that Minggu Real Estate does not fall into the hands of Lao Pan, and he has no spare energy to take care of the Mingdu real estate.

If Gu Yong still has the ability to provide support, he must save the company first.

As for Lao Pan, as long as he procrastinates for a while without doing anything substantive, the Mingdu community will inevitably fall into the hands of his father and father.

If Gu Yong can't do it, or if Lao Pan is too strong, then besides the main meal, he still has snacks to eat.

The matter is such a matter, now, Han Lie can settle a small account.

On Monday, 7th, SAIC Motor signed an investment agreement.

On the 10th, on Thursday, 25 billion from SAIC was transferred to the special fund account of Shanghai Pudong Development Development Co., Ltd., and the contract came into effect.

So, the ecstatic Gu Yong immediately sent invitations widely, and planned to hold a grand celebration banquet at the Four Seasons Hotel at 1:12 p.m. on Saturday, January 8th the day after tomorrow.

The main purpose is not to thank Han Lie, but to express to the major creditors, contractors, and all partners-brother is rich!
And on the 10th, Han Lie, Dou Mingde, Lao Xing, Pan Zi, Lao Zhang, Liu Minghao, CITIC Securities Lao Gao, CITIC Trust Lao Liu, Pufa Lao Huang and other core figures gathered together.

After this cooperation, everyone's feelings are even better.

At the same time, because of the smooth cooperation, we began to look forward to the next time.

During the chat, Lao Zhang proudly mentioned Gu Yong's ecstasy.

"Old Gu was saved by you, how about it, will you guys go to the celebration banquet?"

Han Lie and Pan Zi secretly looked at each other with a smile in their eyes.

save?
Let's just say...

Lao Xing was the first to shake his head: "I won't go. I know who he is? If it weren't for Mr. Han, let alone 25 billion, I wouldn't lend him 25!"

Dou Mingde nodded in agreement: "Yes, I am too lazy to deal with people who are not related."

Pan Zi continued, "I'm not going either, I don't have time."

"It's not suitable for me to go."

Lao Huang spoke lightly, and everyone understood what he meant.

Strictly speaking, Gu Yong has always wanted to curry favor with Huang, but unfortunately he couldn't reach him.

Although there is cooperation now, it was organized by Han Lie. What does it have to do with Gu Yong?
When the topic stopped, only Han Lie, Liu Minghao, Lao Liu, and Lao Gao were going to go around and show their faces.

Liu Minghao spoke very truthfully: "This kind of business has great promise. I am going to take Xiao Lu to see it. It can be considered as a new type of business in the real estate circle."

Old Liu and Gao had the same thoughts, so they had to pull Han Lie.

"Mr. Han, you have to go!"

"That's right, you are the protagonist, if you don't go, what are you celebrating?"

Lao Huang glanced at Tang Xintian, and said: "Tiantian, you can go with Teacher Han. It's a good opportunity to expand your business. But, you must find your own position. Everything depends on Teacher Han."

"No, Huang Xing, you are being serious."

Han Lie smiled and waved his hands, and was about to say a few words of modesty, then Tang Xintian walked over without avoiding suspicion, supported his shoulders, touched his arm, and toasted him.

"Mr. Han, don't be polite, don't worry, my sister will follow your lead in everything!"

Han Lie was dumbfounded.

No, what's the matter with you? !
Are you so careless in public? !
Subconsciously glanced at Pan Zi, my good fellow, the old man who usually takes a lot of pleasure in this kind of drama, now his eyes are narrowed!

Han Lieqiang dealt with it calmly, and took another look quietly...

Tang Xintian returned to her original position without changing her expression, she didn't take it seriously at all!

Tsk tsk, if you want to talk about psychological quality, it has to be you...

The next drink made Han Lie restless, he was very sensitive, he couldn't feel Tang Xintian's intentions towards him in that way, but he could feel her closeness to him.

So it's very numb.

What do you want, you just say it, okay?

He really didn't know what to do, so the drinking party ended early, and Han Lie excused himself to watch the market tomorrow, so he didn't go to the next party with him.

But it didn't affect everyone's confidence in him.

What Lao Xing means is that if there is another similar reliable project, just look for him if you are short of money.

Old Liu Laogao promised to reduce the cost of the next cooperation.

Lao Huang was quite reserved and didn't express his opinion directly, but asked Han Lie to play golf on Sunday.

Generally speaking, such a small ABS project group with Han Lie as the core has taken shape.

If there is a chance to do a similar project again, Han Lie doesn't need to toss from house to house. In a word, he can do his part well in all aspects.

Isn't that just picking up money together? !
After the banquet, everyone went back to their homes, Han Lie didn't dare to see Tang Xintian off.

Pan Zi stood there with his little hands behind his back, smiling and chatting with Lao Huang, no matter how much Brother Lie lied to himself, he felt a little panicked...

I really didn't do anything!
Gan!
……

Back at the hotel after 8 o'clock, Han Lie was preparing to quietly help Xi Luting to go through the outline, but Sister Bai, who had been obediently shutting down the wheat for several days, couldn't bear it anymore.

"Little man, I feel bad..."

Han Lie replied with two words: "Judo."

Just as she was about to throw her phone aside, she sent a photo.

In the photo, she is applying nail polish to jiojio in a nail salon or something.

This is not surprising, but what is strange is that there are two pairs of feet in the photo!

"Little man, my sister is also suffering..."

Depend on!
You didn't say this kind of thing earlier!

Brother Lie immediately picked up the phone and typed patiently: "Which sister are you?"

"Hee hee~~~" She sent a smirk, and then said: "Xiaoshuang! Xiaoxue is taking the final exam, which sister do you think it is?"

Hiss... suck!
Brother Lie licked his chapped lips, and held back for a while.

"She is uncomfortable, what do you want me to do?"

Sister Bai is really a goblin, and she's so good at flirting.

It came up with a sentence: "People have praised you for being amazing! #￥%... @&@&@%... Would you like to help?"

The part in the middle was originally not garbled, but it became like this after being pinched and crushed by crab claws.

Brother lie shuddered all over.

Don't get me wrong, the main reason is that I don't understand, she is too proactive?

In the end, Sister Bai took the initiative to solve the confusion.

"Oh, you are the fierce god of Jinkou Yuyu. We are a pair of weak girls. What's wrong with wanting to hug a big thick leg? You are so fierce, let's take the sisters to fly for a while!"

Han Lie slapped his forehead when he heard the words "Jinkou Yuyan".

Damn, I'm dizzy!
Another week, seeing that the market is about to fall below 2000 points, Bai Yuqiu is not the only one who is anxious now.

The private bank clients of Shanghai Pudong Development Bank who were lucky enough to hear Han Lie's lecture at the beginning were all convinced!
The reason why not many come to the door is because everyone is waiting for a rebound.

Plunging is one level of verification, and rebounding is another level. After rebounding and falling below 2000 points again, then Han Lie is a god-every word of the prediction is correct!
But Bai Yuqiu didn't want to wait any longer.

On the one hand, she is more anxious, on the other hand, it may be because she is more hungry...

No matter how hard she ate last time, she couldn't hold it for 10 days...

"My friend, do you have to let my sister beg you?"

The first sentence of Bai Yuqiu was typing, and the second sentence suddenly sent a voice: "Well, please! My sister and I really want to be hurt by you and cry for you~~~"

This is unbearable!
Brother Lie glanced at the outline in the notebook, then shut down the computer in pain.

I'm sorry, little cucumber, I really don't have any inspiration right now, I have to find a way to expand my thinking...

You wait another day!
Brother's inspiration is about to burst out like a spring!

******
Is the inspiration of the brothers still smooth?quack

(End of this chapter)