The Birth of the Hong Kong Island Family.

Chapter 16 [Meet the Mountain Gate]

Tuesday, August 5th.

In the morning, Lin Zhichao held a meeting with 12 employees of Changjiang Properties.The staff did not increase by one, but Lin Zhichao assigned Xue Junshan to Changjiang Real Estate as a 'driver'.

Everyone's faces are full of smiles at this time, probably in their hearts, if the house sale does not go well this time, the company may be in crisis, which will affect their own future!

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

Lin Zhichao first asked: "Has all the 25 Hong Kong dollars been credited?"

Zhou Fuzhao immediately said: "The 25.82 Hong Kong dollars have all been credited, and the company currently has sufficient funds."

It is obviously a big deal to collect half of the property fees at one time.

Lin Zhichao went on to say: "The owners of the 15th floor need to pay the remaining fees on time 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, Changjiang Real Estate has a good reputation. It is definitely not a problem to go to the bank to get a loan. Therefore, we should strike while the iron is hot and start a few projects or a large project. Manager Hu, if you are looking for an old building or land that can be rebuilt, this time I will In terms of land, I plan to invest about 40 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 asked a question: "Boss, the asset value of Changjiang Real Estate is estimated to be in the early 40, and the bank's loan mortgage for the property is generally 20%. Even if we have a good reputation, it is estimated to be 40%, almost [-]. If you have the money to buy [-] 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 predicted.

"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.

Jian Dongpu, the general manager of the Bank of East Asia, is 63 years old this year. On the eve of the Anti-Japanese War, Jian Dongpu led the banking industry in Hong Kong and raised donations to aid China's resistance against Japan. In 1945, the "Bank of East Asia" resumed business. Four 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.

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 15 Hong Kong dollars, but Jian Dongpu loaned 40 Hong Kong dollars to Vitasoy to resume 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 for decades as "upper-class Chinese (the old saying)".

"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 bridge (high trick)' of 'strata sales' and 'off-the-plan sales', and revitalize Hong Kong real estate in one fell swoop, is indeed young and promising, with extraordinary bearing."

Lin Zhichao quickly said: "Mr. Jane is overrated! I just felt the housing situation of Hong Kong citizens, and I have been thinking about the method of 'home ownership'. I made this success by accident. I dare not beat you Kudos!"

It looks like he is being modest, but he exalts 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 the homelessness of Hong Kong citizens at a young age, and thought about "home ownership", and he really did 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."

When we first met, we praised Lin Zhichao, not because Jian Dongpu particularly admired Lin Zhichao, but because "strata sales" and "off-the-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 politeness, the two sat down.

Lin Zhichao quickly cut to the chase and said: "Old Jane, Hong Kong's real estate has been revitalized, and the situation in the mainland is bad. At that time, conflicts will inevitably occur across the country. A large number of wealthy and 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 'trend merchant' 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!This is what he thinks.

Lin Zhichao said seriously: "The current asset value of our Changjiang Real Estate is more than 40 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 Bank of East Asia can provide 6% of the land loan when we buy the land, and our company will pay 4% 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, [-]% of the mortgage is a relationship of extreme trust, so this treatment is possible.

However, Lin Zhichao proposed [-]%, 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's words were reasonable, and it was hard to imagine that a young man had such a long-term vision.

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

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

Lin Zhichao left the Bank of East Asia happily. He felt that the strong support of the Bank of East Asia was a certainty.

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

Lin Zhichao planned to become a blockbuster from the beginning, and then quickly found a backer background, so as to avoid a lot of trouble.

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

Otherwise, just go straight up, and it will be strange if others don't drive you away!
This time, Lin Zhichao brought out the "strata sale" and "off-plan sale", its influence is visible to the naked eye, and 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 bigwigs in Hong Kong also asked who Lin Zhichao was?Actually came up with two good bridges at one time to revitalize Hong Kong real estate.

In the afternoon of the next day, Jian Dongpu brought people to Changjiang Real Estate.

Seeing that Lin Zhichao was covered in dust and dirt, Jian Dongpu smiled and said, "You just came back from the construction site?"

Lin Zhichao nodded, and said, "It's really impolite to go to the construction site to inspect the construction site in the morning, and I wish I could learn everything when I started real estate business."

What he said was the truth. From the blueprints to the construction site, Lin Zhichao was "stealing the teacher to learn the art", in order to master the knowledge as soon as possible.It is impossible for him to hand over the design and construction to others all the time. Changjiang Properties will eventually dabble 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 brought you back because of my sudden visit."

Next, Jian Dongpu led people to look through the financial books of Changjiang Real Estate and inspected the operation 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 28 Hong Kong dollars. The Shanlin Road project requires 35 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, 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 [-]% loan. It's just that, in the end, all my funds were welded to this project." , and nothing else can be done.”

Jian Dongpu nodded. He found that Lin Zhichao was full of confidence when he said this, and guessed in his heart that Lin Zhichao might not 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 [-]% of the land."

"Thank you Jane"

(End of this chapter)