The Birth of the Hong Kong Island Family.

In the conference room of Cheung Kong, Lin Zhichao and the management team are discussing the details of the Champagne Building with a British lawyer, Andrew.

Lin Zhichao also did not expect that after he invented "stratification and installment" in the late 40s, Hong Kong real estate has not improved; Bring forth innovations.

Even among the large number of buildings built before (3-5 storey tenement buildings), most of the owners still adopt the method of "lease payment", and only a small part of them are sold in strata.

In fact, Hong Kong used to have the practice of real estate businessmen learning from foreign real estate developers. For example, when building a building with 4 floors, they set up a company. When the owner buys one of the floors, he owns 25% of the company's shares; but if the owner needs to live, The company can assign you a floor, but you have to pay the rent; at the end of the year, the company will conduct accounting, excluding the expenses of the building, and will give you dividends.In this way, the owner does not actually have a house deed, and once the major shareholder holds 51% of the property, he will have all kinds of conveniences - maintenance rights, which is unfair to the minority shareholders.

Until Lin Zhichao's development of "layered sales", this situation was improved in one fell swoop, which can be said to have made outstanding contributions to the world's real estate industry.

Andrew, the lawyer in charge of the sale of the Champagne Building, is an Englishman. In fact, many British lawyers in Hong Kong can accept jobs in London or Hong Kong. Anyway, the law is the same.

He highly praised the "public housing lease" proposed by Lin Zhichao, and believed that the recent concerns of the legal and political circles seemed to be well resolved.

The Hong Kong government allows the construction of high-rise residential buildings, but the Hong Kong government actually does not want to solve too many problems. For example, the Housing Department currently wants one owner per floor. As for if there is a real estate company selling units, follow-up issues will be handled by the real estate developers. The company handles it by itself. Anyway, our government department can only do this to this extent.

That is to say, at present, the land deeds of government departments are based on one floor (previously they were based on one building), so if the Champagne Building is sold by unit, you have to communicate with the law firm and ask the Housing Department Consent (to be determined by law or not).

Then the sub-unit land deed is actually a 1/N stratified land deed issued by a law firm.In the future, after the government departments improve the system, they will re-modify and register the title deed.

This is a career of continuous improvement, and Lin Zhichao enjoys it very much.

"Lawyer Andrew, for this 'public housing lease', do you think it can solve the worries of stratification and sub-unit sales? Is there anything missing?"

"I recently had various discussions with my colleagues, hoping to find out what was missing from the 'public housing lease' invented by Mr. Lin, and found that public housing leases can solve legal issues. As for the problems that cannot be solved, they are not within the scope of the law ——For example, the owner has the right to use his own space at will, and others have no right to interfere, which will cause more disputes between them. For example, if you set up a factory in a building, the noise disturbs others when you start work; Install a neon sign and keep it on all night, making it difficult for residents to sleep. These problems are the future problems of residential buildings!"

Lin Zhichao said with a smile: "These issues are the 'No Nuisance Regulations' that the government needs to improve in the future. In fact, these issues have nothing to do with the building itself. For example, if someone uses a gun to kill someone, is there something wrong with the gun?"

The neon lights are illuminated all night, which is Hong Kong's "cyberpunk" style. Residents can draw the curtains; setting up factories in the building is a characteristic of Hong Kong's development. In the future, Hong Kong will have a large number of family factories. Even the future of Hong Kong's electronics industry Both were set up in two residential units, capable of assembling 4000 transistor radios a month.

Andrew said with a smile: "Indeed! Then we will formulate the detailed legal documents for the 'public housing lease' next week. By the way, does the installment payment need a guarantee from our law firm?"

At this time, when real estate is selling uncompleted properties, the buyer's money will be collected and managed through the law firm, and the law firm will then call the real estate company.Lin Zhichao intends to break through this regulation, but after thinking about it carefully, it may not be a good thing for the bank to intervene too early.

Therefore, Lin Zhichao said: "Yes, it is still the law firm that collects the buyer's funds, and this time it is also cooperating with your law firm."

Andrew then said seriously: "Okay! But there is one thing Mr. Lin needs to pay attention to. We collect the buyer's house purchase funds, so we are the buyer's trustee. We will consider the interests of the buyer, whether to transfer the money to Real estate companies. Of course, what I’m talking about is the problems that real estate companies may need to face when they are in financial crisis!”

This is true, Lin Zhichao could not refute it, so he said: "I know, this is the law. Moreover, we only charge a 20% down payment for the down payment of the Champagne Building this time, and the balance payment is divided into two years, and the uncompleted property can be transferred and sell."

A series of manipulation techniques emerged, but fortunately, the law firm will handle everything.

Lawyers in Hong Kong are expensive, but it is a lawsuit. It is not expensive to produce some documents and notarization like this, and the fee is also paid by the buyer.Of course, for law firms, it is quite easy to do this kind of notarization by lawyers, and there is a lot of control.

Anduru said: "Others are eager to pay in advance at one time, but it is better for Mr. Lin to reduce the down payment and extend the term."

Lin Zhichao said: "The house is in my hands, and I don't worry about someone reneging on the debt! And lowering the threshold is beneficial to the purchasing power of citizens, and my house can be sold better. What do you think?"

In fact, Lin Zhichao has another idea, which is to weaken his competitors.If the down payment is reduced to 20%, then other real estate companies can only reduce the down payment, no matter how bad it is, it must be reduced to about 30%.In this way, everyone will not receive more money, so they will naturally auction land, buy land and old buildings, and they can't "big water pipes" too much.

As for Lin Zhichao, his actions are quick and he can withdraw the funds immediately; the Yangtze River Industry Group and Global Shipping can also provide funds to subsidize the Yangtze River Industry.

In short, he is strong!

Andrew said pleasantly: "Wonderful! From the customer's point of view, the lower the down payment, the less pressure they will have!"

In fact, a high-rise residential building can be completed in 12 months.The two-year installment will appear, and the mortgage has not been paid off after moving in, and the deed has not been obtained.

Of course, these are small things.

Afterwards, Andrew left and returned to the law firm to deal with cooperation matters.

Cheung Kong has already been busy, with more than 50 employees, and is currently planning three real estate projects—two real estate projects on Kimberley Road in Tsim Sha Tsui, and one real estate project on No. 2-4 Hysan Avenue, Causeway Bay.There is only one building in the three sites, which are small-scale real estate. A real estate probably provides more than 200 residential units, one-floor shops and one-floor shops.

In a restaurant in Central, Lin Zhichao, Li Gaofu, and Yu Chengwan gathered together, and the guest was Yu Chengwan.He originally wanted to treat guests at night, but Lin Zhichao has always had non-important entertainment (attending events, important guests are important entertainment), he always refused at night, and the most important thing was to accompany his family.

Therefore, everyone made an appointment at noon, and Lin Zhichao refused to drink.

Yu Chengwan was quite eager at this time, so after chatting for a few words, he brought the topic down to business: "Lin Sheng, I have already sold the farm and arranged Wu Bing and the others in Telford Garden."

The implication is, I have listened to your words, should I mention the matter of the 'real estate agency'!
Lin Zhichao smiled and said, "Brother, how much money have you prepared?"

Yu Chengwan said frankly: "I have prepared one hundred thousand!"

Lin Zhichao nodded, and then explained: "Then let me explain to you what the 'real estate agency company' does! This kind of company is actually a real estate speculator. For real estate companies, companies like yours come to fry me Real estate is conducive to sales and price increases, so I can give you an internal price, which is about 95% of the external price. As for the agency itself, it makes a living by speculating in real estate. Maybe you can get 3 from me today If you buy a house with Hong Kong dollars, you can sell it for 3.5 a week later, which is commonly known as speculation.”

Yu Chengwan was stunned and said, "Then why did others buy it at 3.5?"

Lin Zhichao said with a smile: "Naturally, the supply exceeds the demand! When the local real estate is developed, the market has always been like this. Not only people who really need to live, but also a large number of people who speculate in real estate for a living."

Yu Chengwan immediately asked, "Will the house fall?"

Lin Zhichao nodded and said: "It will fall, but it will rise again. So it is very important not to borrow excessively to speculate in real estate. For example, if you have prepared 3 Hong Kong dollars for real estate speculation, the average price of our champagne building this time is 20 Hong Kong dollars. For one set, the down payment is only 2%, and the balance is divided into 10 years. You can choose to buy 6 sets, and the down payment is 2 Hong Kong dollars, but then you need to pay the law firm in the early 12 Hong Kong dollars per installment ([-] installments in total) ), during which you can’t afford it or the profit is satisfactory, you can transfer the “unplanned flat” in your hand to others”

At this time, Hong Kong did not have such an agency specializing in speculating uncompleted properties, and Lin Zhichao just happened to cultivate one.

Yu Chengwan was terrified when he heard that, and almost retreated.

It was Li Gaofu who patted him on the shoulder and said, "Yu Sheng, don't worry, don't look at who is sitting in front of you, it's the opportunity that others can only dream of!"

Yu Chengwan was like a thunderbolt, and quickly replaced the wine with tea, toasting Lin Zhichao a cup.

"It's really my luck for Lin Sheng to guide me!"

"You're welcome, we are all friends!"

Lin Zhichao is not only cultivating an agency company, after all, Yu Chengwan's capital is really nothing; more importantly, he is taking care of him.

Of course, he will also be wary of a situation: In his previous life, Tai always said, "I have never let others down, only others have let me down", and there is a "white-eyed wolf" in it, that is Dr. Tang Yuhan; It is said that he and Tang Yuhan cooperated in the development of real estate. A piece of land is 180 million yuan, and only a deposit of 18 yuan is required. The real estate project earned more than 9 million Hong Kong dollars, and everyone shared the profit equally.After supporting Tang Yuhan in this way and making him a multi-millionaire, when they cooperated again in the 160s, the two parties had already had a big conflict.

Therefore, whether Lin Zhichao supports Li Gaofu, Li Zhaoji, Lin Yunchu, Tang Zhongyuan, etc., or supports the current Yu Chengwan, he only gives support at the beginning of his career, but it is not a cooperative business; after these people make money, they no longer support them. At most, we can only be friends.

Especially the joint venture business is Lin Zhichao's taboo!

Unless the land belongs to others, Lin Zhichao will consider it.

In the evening, when Yu Chengwan returned to the second wife's home, Wu Bing's enthusiasm immediately aroused, but it was all about inquiring about real estate speculation.

"Head of the house, what does Lin Sheng say?"

Yu Chengwan joked, "Why are you so enthusiastic?"

The implication is more or less a dirty joke, after all, Lin Zhichao is handsome and capable.

Wu Bing blushed slightly, and then raised his voice and said: "Master, I am the first to propose this business, otherwise Lin Sheng would not want to support you. Therefore, I will participate in this agency company in the future, and it also belongs to me. The second room. Tell me, how can I not be enthusiastic!"

Of course, she followed Yu Chengwan as a concubine with her enthusiasm, and in the end she still fought with the big house for money.Dafang takes the most profitable rice shops, grocery stores, and pawnshops very seriously. Now that she has even sold her farm, why not do a good job in the real estate speculation business.

When Yu Chengwan heard this, he also felt sorry for the second wife, and immediately said: "You participate in this business, and I will let your second wife manage it in the future, let's go to the head office!"

Wu Bing immediately became happy, and then asked how the house was fried!
Yu Chengwan followed what Lin Zhichao said, and Wu Bing was so excited.

"Doesn't that mean that you can earn [-] yuan from one set of houses, and [-] yuan from ten sets of houses! My dear, how many years will it take to raise chickens to earn back."

Yu Chengwan said proudly: "Working with these big bosses, just drinking soup is enough for us to make a lot of money!"

At this time, he had completely let go of his guard, thinking that as long as he closely followed Lin Zhichao and Li Gaofu, it would be very easy to make money in the future!

Moreover, Lin Zhichao gave him a 5% discount for one set, which is almost 1500; then after ten sets, he can earn 1.5.

Simply rich!

As for the follow-up payment issue, he can still squeeze some more funds, and sell a few sets in advance if he can't.

Ping Shan, New Territories.

The three men were looking at the house in the distance, their expressions were full of excitement and fierceness.

"Mice, are you sure Yu Chengwan's family lives in that building? He will come back tonight too?"

"Brother Jin, you're absolutely right. I've already found out that General Yu and the Second Madam live in that building!"

"Hey, you still call him a general! These officials have made a fortune by themselves, so that the brothers can't eat enough. Today we will rob his mother!"

Mouse used to be Yu Chengwan's soldier, and when he heard that the old officer was making money, he hit it off with him and planned to grab one before talking.For these veterans, everyone is brothers who live and die together, why are you still eating relief food now that you are rich.

Moreover, they also know that after these old warlords and old officials came to Hong Kong, they did not dare to speak out at all, because they were guilty in their hearts!
Such people belong to the rich and powerless in Hong Kong, the best fat sheep!

When it was evening, the burly brother Jin loaded the bullet and signaled the two accomplices to prepare for action.Three people with three guns can be said to block people and kill people, and Buddhas to block and kill Buddhas.

"Walk"

The three of them walked quickly towards the place where Yu Chengwan once lived, and their actions were clean.As soon as they entered the house, they tied up the people inside without saying a word. Under the gunpoint of the black hole, the family of cousin Yu Chengwan who had just moved in was scared to pee.

"Where's Yu Chengwan?"

My cousin understood that these people were targeting my cousin, and quickly said: "You have moved away, did you find the wrong person? This is no longer Yu Chengwan's home. There is a wrong and a debtor. Please let me go." live in the next one."

The three robbers were stupefied, and Brother Jin even gave the mouse a slap, and said angrily: "What kind of information are you getting!"

The mouse said aggrievedly: "Who knows how to move away properly!" After finishing speaking, his eyes lit up and he said: "Brother Jin, this family is also rich!"

Brother Jin was overjoyed, and quickly turned around to threaten his cousin, and offered money!And cousin Yu Chengwan is also greedy for money. He only cares about delaying time and wants to avoid the pain of property loss.

In this way, after about 40 minutes, the police station in Liangli sent people to surround it, because the neighbor noticed something unusual and called the police.

The three bandits had a shootout with the police, the mouse died and the two robbers were thrown away.

Surprisingly, Yu Chengwan's cousin was only seriously injured and did not die.

The next day, after Yu Chengwan heard the news, he couldn't react for a long time.

"Lin Sheng is my savior!"

Wu Bing even said: "It's not just a savior, it's a savior of our whole family. Those goddamn robbers are after you, so if you are tied up, you will definitely not survive. Once you die, the four of us will die." will be helpless."

For her at this time, it is really scary to think about it, because once her husband dies, she will definitely not be able to compete for the eldest house, and that day will be sad.

Yu Chengwan nodded and said, "I will definitely keep this kindness in my heart."

Of course, he can only keep it in his heart, now he still relies on Lin Zhichao to support him!

In fact, Yu Chengwan also knew that Lin Zhichao really liked listening to those stories, so in order to befriend Lin Zhichao, he always told the stories of the previous War of Resistance with embellishment, so as to win Lin Zhichao's favor.

Now he doesn't miss the things of the past, but wants to live a rich life. (end of this chapter)