Consumer male god - Chapter 220 We have people at every step

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

This group of people does everything, and people like Sun Changzhe who open restaurants are completely the dregs of them.

The moneylenders and the real estate developers had a good conversation.

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

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

The richest one is in the vegetable wholesale market.

Amazing, right?

Han Lie was actually surprised, but that guy had more cash flow than the mine owner, and his wife owned four or five buildings.

——Not a set of buildings, but really several buildings!

“What kind of private equity and stocks are you doing? I don’t understand, brother!”

The short, plump and stocky Caiye is very straightforward, with a quaint air that is rare among men in Shanghai.

“But I believe in Lawyer Liu. How much money your company will be short of when the time comes, I will make up for it for you!”

Good guy, I don’t know how to respond to Han Lie’s treatment…

Just say no, people are giving you face like that.

Don’t refuse, I really don’t need your little money from selling vegetables…

Compared with the enthusiasm of the disheveler, the loan-lender is a bit self-respecting.

“Little brother, can your fund be guaranteed at 20% a year?”

“cannot.”

Han Lie chuckled and shook his head.

“Tsk, tsk, tsk…” Hanged Man sighed in a pretentious manner, “Looks like he’s quite high-class, but it turns out he’s also earning hard-earned money…”

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

Hey, that’s interesting!

These days, those who engage in relatively large private loans do not use their own money.

Who has 100 million to lend out?

A maximum of 50 million will be released, and it will only be released to those who are particularly reliable and have strong connections with collateral, earning a low interest rate of 123%.

What to do with the remaining customers who are at higher risk?

Go outside to raise funds!

Incorporate a dozen points, release 25 points, and make a profit.

The best players are those who can get money from banks.

You can get it at an annual interest rate of about six points, and then sell it out at ten points, making a lot of money.

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, you can still make money no matter how high the cost is. It is better than just staring blankly when you can’t find money.

Therefore, people in this industry are always very nervous about the money in their network. Their network is only so big, and the money they can raise is limited. The more they are ripped off by others, the more money they can borrow. few.

If you can’t raise money, you can’t make a loan, and if you can’t make a loan, you can’t make money. Isn’t that uncomfortable?

In fact, Han Lie didn’t want to take those messy money at all. He didn’t like anything else.

Uncle Lie will not accept money without additional added value.

But the hanging man obviously didn’t know and didn’t believe it, because when other people engaged in private equity, they were really poaching and stealing money, and they dared to use any tricks.

So this was actually a misunderstanding, and the other party looked down upon Han Lie too much.

Brother Lie doesn’t intend to explain, are you worthy?

“Not as hard as you.”

Han Lie chuckled and glanced sideways, without giving him a serious look.

“You use an annual interest rate of 20% to finance, but you can’t lend it out for 25%? Even the real estate company can’t afford this cost, right? How many lawsuits do you have to fight in a year…”

“Grass!”

The hanging man became anxious and his face turned red.

“Do I need to file a lawsuit? Little brother, go to Qingpu and Yangpu and ask around. Who dares not to pay the money that Yang Zhi owes me?!”

He’s anxious! He’s anxious!

Han Lie immediately realized that this hanging man had no class.

He glanced sideways at Liu Minghao. Old Liu was smiling and watching the fun, with no intention of stopping him or trying to smooth things over, and he suddenly knew what was going on.

The conclusion is simple – Liu Minghao can suppress this hanging man!

If it were a real boss who couldn’t afford to offend, Liu Minghao would have stepped forward to smooth things over.

No, if he were a real boss, he would definitely not be so sensitive and eager.

Since you can afford to offend him, let’s just walk him for fun, and save a bunch of local snakeheads from thinking that we are too young to use Brother Lie as dry food.

Thinking of this, Han Lie’s smile deepened.

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

“Don’t be excited, let me settle the account for you——

The real estate market this year is indeed not good, with both volume and price falling. Many real estate companies are short of money, and bank credit is also tight.

But I just work in finance, so I don’t know much about how to raise money.

You can’t get low-interest loans, but as long as the company has real estate under construction, it’s still easy to find channel funds in more than a dozen places.

Come, let me teach you how to play——

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

The funds collected from the future sale of the property will be used as the source of repayment, and the equity of the parent company or the assets held by the land, property company, parking lot, etc. will be used as the project guarantee.

In the second step, once you have the project, let’s take it out.

It can be sold in pieces to Christians, or it can be sold in packages to large households.

Nowadays, state-owned enterprises are not short of money. Even if they are short of money, they can still get loans.

Find a state-owned enterprise that is willing to cooperate to provide loans. The annual interest rate they receive is 4.2%. If they invest in our project, they charge 8.5%. Is that fair?

What the brokerage does here is a channel and charges a channel fee of 1%.

The trust is responsible for the project main body and credit enhancement, and charges a service fee of 2.5%.

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

After the entire project is completed, 1 billion yuan will be raised, and the total cost is 13%.

If the company’s qualifications and assets are really not good and the cost has to be higher, can 18% be achieved?

If it really can’t succeed, it is an insolvent leather company, and even gods can’t do it.

You see, 13% of the lucky ones can get the money, and the 18% of the unlucky ones are enough. What about you?

You gave 20% when financing, and 25% will be released to others. Who will you give it to?

If someone really wants it, they must be so poor that they don’t even want it. If something goes wrong, how will you recycle it?

Lawyer Liu can help you with the lawsuit, but the court won’t be able to generate money through enforcement, right?

What’s going on, do you plan to send that whole family to the mine master to mine and pay back the money? “

“Ha ha ha ha……”

As soon as Han Lie finished speaking, there was a burst of laughter around him.

Among them, the mine owner laughed the most. He touched his scalp, which was glowing blue, and participated in it as if he was just watching the fun and not taking it too seriously.

“That’s a great relationship! I’m in dire need of miners there. Lao Yang, please send a few more out. When the time comes, get me a container to ship over by sea. I’ll take them all!”

“you you you……”

Yang Zhi was so angry that his mouth was filled with tears. He glared and finally managed to say: “Who can brag and ride a horse?”

He didn’t believe it, but the real estate agent named Gu Yong suddenly jumped over, grabbed Han Lie’s hand, and asked eagerly: “Teacher Han, are you sure you can do this?”

Han Lie waited until he reached the rightful owner, smiled meaningfully at Yang Zhi, and then responded to Gu Yong.

“Of course there are no policy issues.

As early as December 2005, China Construction Bank issued the first “Jianyuan 2005-1 Personal Housing Mortgage Securitization Trust” in China. After 6 years of piloting, new guidance was issued in May 2011, and the ABS project body expanded.

In the second half of last year, the Shenzhen Stock Exchange issued its first trust project based on properties under construction by real estate companies, and the industry responded enthusiastically.

Mr. Gu, if your company itself is doing well but is limited by the current domestic loan restriction policy on real estate, then it is really not a big problem to get the cash flow paid in advance at a more reasonable price. “

“Below 15%, is it possible?!”

Gu Yong’s eyes were red and his voice was trembling slightly.

Han Lie was still holding his right hand, so he patted the back of his hand warmly with his left hand and said comfortingly: “Analysis of 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 very easy to calculate.

If your project itself is relatively good, the company’s mortgage adequacy ratio can reach 70%, or you have a friend willing to provide a 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 you raise, the lower the total proportion of legal costs.

The last thing is change——

If external underwriting is needed to sell products to basic citizens, the capital cost may reach 8% or 9%.

If you have the connections 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 cases, the minimum can be achieved at more than 11%, and the maximum may be 20%, which is different. “

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

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

Gu Yong grabbed Han Lie’s hand and shook it. He was so excited that he was even a little incoherent: “That’s right! The middleman! You can be my middleman!

Our company’s projects are very good and can definitely be completed!

Is the industry rule 1%?

In this way, if you can achieve less than 15%, I will give you 15%, and the extra money will be yours!

If it really doesn’t work and you can only achieve more than 15%, then I will give you 1% separately! “

Ouch, look at how anxious Mr. Gu is!

In fact, what a coincidence. From 2013 to the first half of 2014, it was the period of underestimation of the entire real estate industry.

On the one hand, it is difficult to sell houses, and policy restrictions make it even worse.

At this time, few people could actually imagine that after 15 years of huge stock market crashes, the real estate industry would reach its final and highest peak.

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

“Wow!”

Hearing Gu Yong’s promise to Han Lie, the surroundings suddenly burst into exclamations.

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

At this time, Yang Zhi’s face was completely blue.

Ha, congratulations to Brother Yang for finally finding the nickname he deserves!

“Brother Gu, do you really believe that Xiao Han is deceiving you with just a few empty words?”

Sour, so sour.

Gu Yong turned around fiercely and glared at Yang Zhi with an angry look: “Yang, I’m giving you face, right? I have to call you Teacher Han, who are you?!”

Not to mention, Lao Gu suddenly opened his eyes, which was really impressive.

Yang Zhi’s face turned green and red after being scolded, but he did not dare to lose his temper, so he could only reply aggrievedly: “Brother Gu, aren’t I afraid that you will be deceived…”

“Don’t fucking call me Brother Gu. We just had a bridge loan relationship. I didn’t give you any fucking interest?”

Gu Yong pointed his finger at Yang Zhi’s nose and vowed to stand up for Teacher Han to the end.

“No matter whether Teacher Han can do this or not, 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 rat who makes small money back and forth, what kind of barren thing do you think you are, are you here to sow discord with me? ! “

Good guy!

Yang Zhi was completely scolded and trembled with anger.

Gu Yong’s voice was indeed a bit loud. The guests who were far away heard the sound and looked over curiously.

But Gu Yong didn’t care at all, and even took another step forward, almost touching Yang Zhi’s nose with his finger.

“Come here! Apologize to Teacher Han!”

Yang Zhi’s vision went dark, he was angry, anxious, scared and regretful, and wished he could faint.

Oh shit!

Why should I offend that little brat when I have nothing to do? !

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

But at this moment, Liu Minghao suddenly walked up to him and patted his shoulder gently.

“Xiao Yang, Teacher Han is my distinguished guest. Do you know what a distinguished guest is?”

Yang Zhi’s whole body was shaken, and his mind was completely awake.

Liu Minghao ignored his reaction and continued speaking slowly.

“It’s appropriate to apologize, but Teacher Han doesn’t care. You two are not from the same place, nor are you on the same level.

So I make the decision and 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 up with respect, but you have to be afraid of him.

Next time, if you have any unpleasantness with Teacher Han again, no matter what the reason is or who is responsible, I will personally nail you to death.

Do you understand? “

Yang Zhi was frightened.

After knowing him for so long, he had never seen Liu Minghao look so rude.

In his memory, Liu Minghao always looked smiling and graceful even when facing his opponents.

And the most critical issue is – Yang Zhi doesn’t even need to be afraid of Gu Yong, even if Gu Yong is indeed very powerful and has hundreds of men under his command who dare to fight.

However, in modern society, the law is ultimately king.

Violence can threaten honest people, but it cannot scare away bullies.

But he had to be afraid of Liu Minghao, because Liu Dashen was part of the law in the magic city.

Who is engaged in a gray industry like private credit and is not afraid of the big BOSS who will flatten all GJF?

“Yeah, yeah, yeah!”

Yang Zhi nodded like a chicken pecking at rice, feeling a river of sadness in his heart.

Damn it!

You value him so much, you should have told me earlier!

I had been watching the fun with a smile before, but I didn’t see how enthusiastic or protective I was. He was just waiting for me to explode, so he wanted to use me as a favor? !

Yang Zhi is actually not stupid.

Not only is he not stupid, but he also has the slickness and alertness of a little person.

However, Han Lie’s age and appearance were too confusing. He did not really realize the importance of Han Lie, so he was confused by the so-called “competitive pressure”.

Greed is the original sin, and you cannot blame others.

“Teacher Han, uh, no, I’m sorry, I drank a little too much… I’m sorry!”

Yang Zhi finally apologized, then hid his face and ran away.

The pace was so hurried that it seemed like a wolf was chasing her behind and biting her butt.

“Hahaha!”

Yang Zhi only took a few steps out when Gu Yong couldn’t wait to laugh and returned to Han Lie’s side.

“Teacher Han, a clown, making you laugh!”

Yang Zhi suddenly stirred garlic at his feet and almost fell to the ground.

He staggered a few steps, held on to the table, and hurried out in a state of embarrassment.

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

In fact, Yang Zhizhen is not a small person. Before, Gu Yong was extremely short of money. He found a short-term bridge fund of 350 million to help Gu Yong get through the most difficult month.

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

As a result, Gu Yong was like this today…

“I’ll fuck you, uncle!”

Yang Zhi cursed fiercely again, hating Gu Yong completely.

Teacher Han?

Oops, that’s not the main contradiction…

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

Han Lie understood what he meant, and at the same time he did not dare to underestimate this ruthless man.

When Yang Zhi is useful, he calls him brother Yang Zhi.

When Yang Zhi was unable to help and even wanted to drink his blood, he immediately turned around and supported Han Lie, whom he met for the first time today.

This is a qualified businessman, but not a good friend.

Therefore, Han Lie just played tricks with Gu Yongke and never agreed.

“Mr. Gu, firstly, my time is really tight. Secondly, when doing similar business, I can only talk about it on paper. You can go find it again!”

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

“I only believe in you!”

Han Lie sneered disdainfully in his heart.

What’s the use of trusting me?

Brother, why do you want to earn your commission?

As a result, Gu Yong suddenly lowered his voice and whispered: “Teacher Han, to be honest with you, my current funding gap is indeed a bit large, 2.5 billion is the best, but if it is not possible, 2 billion is fine.

As long as you can get the job done before March next year, I will directly pay for 15% of the general contracting fee, no matter how much you earn, and we will 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, he suddenly felt excited.

What the fuck? !

2.5 billion? !

Lao Tie, you actually have such strength?

Liu Minghao had been watching the fun and had no intention of getting involved.

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

This man with bright eyebrows gently patted Han Lie on the shoulder and called him aside.

“Teacher Han, don’t look at Gu Yong as just a local developer who is in a mess right now. In fact, he is actually quite capable.

What city is Magic City?

Developing real estate here is not easy.

Lao Gu’s main problem is that banks have withdrawn loans due to policies. The relationships he had managed in the past were no longer working.

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

I estimate that 15% is definitely not his bottom line. If you feel embarrassed, I can help you talk about it.

Although it is hard to earn this money, it is not as fast as finding money in the market, but the market cannot accommodate too much funds in a short period of time, right?

If we can open another road, the meaning will be different. “

That makes sense…

Han Lie truly fell into deep thought.

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

Real estate developer friendship?

It’s useless!

Han Lie was not naive, so he didn’t care at all about the real estate developer who was 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.

The friendship between brokers and trusts?

It’s also useless.

There are experts in the ABS business within the company, but there may not be many of them now, but they will explode in two years.

Therefore, there are only two advantages to doing this.

First, you can 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 requires a fixed salary, it is indeed very profitable.

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

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

If a person is forced to help many people make money and monetize their power, then this is a white glove.

A person who takes the initiative to lead a group of capable people to make money and integrates everyone’s resources is a leader.

If you eat alone, you won’t get far in the domestic environment.

And it’s not much to eat alone.

Gu Yong has a demand of 2.5 billion and a fixed cost of 15%. If the operation is done well, Han Lie may be able to reduce the real cost to about 11% and earn 4 points.

4 points is only 100 million…

Ahem!

It’s true that there aren’t many things that speak from the heart, but it’s still very crucial in the early stages…

Therefore, this matter is worth putting some thought into and giving it a try!

After considering the benefits, you should next consider the difficulty.

In fact, Han Lie only had a partial understanding of how to do this thing in his previous life. On the contrary, the level 4 economics and finance he had newly learned in this life made a great contribution.

At the very least, let him understand the full theoretical process.

If something doesn’t look right, make temporary adjustments!

Brother, you have so much experience, why are you afraid of difficulties?

“Okay, you can find an opportunity to chat with Gu Yong, and I will go and communicate with the trust and securities companies.”

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 listened to your general process. We have people in every step!”

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