Rebirth 79: I opened a bank in the United States

Chapter 306 Let's play music, then dance!
"What? Don't we have enough home loans?"

Hearing Goodman bring up the home loan issue, Carter looked a little puzzled.

Douglas is a residential area under construction, with an average single-family home selling for $4.5.It slightly exceeds the upper limit of the purchasing power of new citizens!

As mentioned earlier, if the family is better off, perhaps only a few thousand dollars in loan is enough, but if the family is not so rich, to buy this house, at least a loan of more than [-] dollars is required.

Even on a more average, rough estimate, the loan amount for each home is $7000.So for more than 2100 houses, the total amount of loans required is [-] million.

This is definitely an extremely exaggerated loan demand!So much so that even if all the funds of Carter's current banks are added together, it is not enough to pay in full at one time.

The original planning logic is: turnover in batches!That is, when the first phase of the project is completed, a batch of loans will be issued.Then the profits received by DOG Construction Works belong to Carter’s personal assets. Yes, DOG Construction Works is also an LLC, and its profits can be directly controlled by Carter.

This part of the profit belongs to personal assets, so don't rush to invest in the expressway trust.In other words, without fully investing in the road trust, the investment amount provided by the pension insurance fund and loans will be used to pay for the initial stage of the road project.The expected profit of [-] million U.S. dollars will be transferred to the trust account after the loan is issued in a circular manner, and the money of the road trust is almost spent.

To put it bluntly, it's just playing with a time difference!

As long as you have a sum in your hand that can issue the money for the first loan, then this cycle can be formed!In the case of ensuring that the total amount of loans is lower than the total amount of profits, even if there is tax consumption during this operation, the estimated difference of about 900 million is more than enough to cope with such a small loss!

Although the consumption of the bank's own depositors' deposits is not large, on the one hand, the deposit interest rates of several banks under Carter's are relatively low.Until now, the deposit interest rate has just reached 12%, which is far below the average level, so there are not many deposit liabilities in banks.Naturally, the sense of urgency to consume this part of the deposit is not strong.

On the other hand, the HT special loan, together with this housing loan, the total amount of these two loan items alone is as high as 3100 million. Based on the annual interest rate of 12%, the interest income in the first year alone is 372 million. Plus part of the principal, breaking 400 million is not a problem at all.

The cash of 400 million US dollars is recorded in the account, and the interest on deposit liabilities is paid, which is completely enough!
而根据住宅贷款的循环模型：第一期40套住宅，贷款需求量大概是28万到30万左右，循环后的利润40万；这40万挪到下一批贷款发放，足够满足60套左右的住宅贷款需求，然后开工60套，获利60万；60万则又能放出80-90套住宅的贷款
In the past half of last year, about 70 funds were withdrawn from the revenue of HT special loans, which can further accelerate this cycle. The housing demand of more than 3000 units, under this model, can be fully completed without the eighth phase of the project, and the loan can be disbursed, and after the last loan is disbursed, the actual revenue of DOG Real Estate will still be unreal Have a cash balance of around ten million.

It is no longer necessary to continue to disburse funds in the form of loans, which are transferred to the Road Trust.Wait, there is still a shortfall of 3000 million to make up for the [-] million agreed capital injection of the Highway Trust!
However, even without looking at HT's future financing income, it only relies on the revenue model of combining loans and real estate.No matter how Carter calculates, the 2000 million is nothing!
After all, in addition to the continuous income from bank loans and real estate construction income in the future, don't forget that the road trust is also controlled by Carter!For the three billion-dollar projects, the Highway Trust cannot do it by itself.Once he contracts this project to DOG real estate
Based on the reasonable profit that the barbarian Owens said before, the 10% profit is also [-] million!
This money is transferred around in several places under its banner for a few years, ten years later
Carter is now a bit unable to figure out how much income he can earn by himself alone, because the road trust will have toll income in the future, and he can share half of this part!

If you don't look at the future that is too far away, at least you can see it in front of you.As long as the normal and healthy operation of this model can be guaranteed, Binima will be transferred to half, and the capital chain will be broken and collapsed. Such a cycle will not last long.
A small goal came out!After the big cycle of ten or twenty years is over, it is really unknown how many small goals can be achieved in the end.
After thinking about it carefully in his heart, Carter finally understood why China's real estate industry was so deeply tied to the bank in his previous life!In financial terms, such a model is actually playing with leverage!

For the loan demand for 40 houses in the early stage, only a small amount of cash of about 30 can leverage this loan transaction with a total amount of more than [-] million!Don't talk about the construction funds in the process, those are the big deal to borrow!While borrowing money to start construction, we are pressing down on suppliers and even constructors' payments, and slowly settle accounts.As long as you keep living, what is a little loss of interest in this cycle compared to the income brought by this hundred times leverage?
Even without considering the risks and various complex and changeable situations in reality, in the end, the remaining tens of millions of profits from the real estate developer will be deposited in the bank.
Oh! A new cycle can start again!

With [-] million as the base point, if there is another [-] times leverage.
The model of real estate plus finance can indeed bring a lot of returns quickly, but Carter also understands it very well.The market demand is limited, and this model has a serious overdraft for the future!

Douglas is so big and so populous!
The housing business is certainly a good business, but you can't build it at your own risk!Otherwise, when the time comes, there will be more houses than people, and your economy will still be in circulation?In this mode, the most feared thing is that the capital chain is broken!
Once a link breaks, the house cannot be built because the middle construction funds cannot be borrowed; or the house is built but cannot be sold, and there is no return of the final payment.
Then from top to bottom, everyone will be unlucky.So this business, doing this once, Carter is very contented!How can such a business with the right time, place and people be able to continue doing it continuously!
Although I understand this, the capital cycle of real estate, loans, and roads is over, that is, the money has come to an end.No longer continue to run the next lap, the cycle of running the first lap is counted for years!

Two or three years from now, Carter estimates that the general economic environment will change.Let’s not talk about whether inflation can be completely curbed, let’s just say that this introversion like raising a gu, even if it is not completely stopped, it will definitely not be as intense as it is now.

After all, if you can't roll, the damned ones are almost dead.The remaining ones that can be rolled over will also hurt the enemy one thousand and self-damage eight hundred, and it will take time to catch your breath, right?

It's like Carter used to be the child of a classmate of his mother's mother. He was in the top ten in junior high school, got involved in the worst high school in a certain provincial capital, and immediately became a middle-lower level.Then I continued to work hard on the papers, and the papers were above the middle level, and I went to a heavy school, and then...
Then that unlucky kid started to let himself go in college!Left-handed games, right-handed girls, in the words of a certain uncle:

"I have fought in the South and the North for so many years, can't you let me enjoy it?"

"Go on the music! Go on the dance!"

(End of this chapter)