Don't provoke the wealthy daughter of rebirth

At nine o'clock in the evening, Qingyun College.

After evening self-study, Liu Qingqing followed Jiaxue back to the bedroom of the dormitory, and said, "Miss, that gun has now been brought back to Yunfeng Villa."

Jiaxue smiled: "It seems that Jiayi is planning to do it, which is good."

Liu Qingqing smiled and said, "Missy has an idea?"

Jia Xue hummed and said, "Don't let her have the chance to contact me alone in the near future."

No matter how stupid Jiayi is, she can't do it in front of everyone. She is not an invincible strongman. Once she pulls out her gun, she will be snatched away.

Liu Qingqing nodded and promised: "I will always follow you."

She was originally Jiaxue's personal bodyguard, and Yunfeng Villa was also a place full of servants, and she couldn't find a chance to get along alone, it was not a strange thing at all, Jiayi would not be suspicious soon.

On Friday night, when the family had dinner together, Jiayi took the initiative to say, "Sister, there is something I want to tell you..."

Jiaxue yawned: "Let's talk about it tomorrow. I've been running around for a while, and I almost can't keep up with my homework. I've been making up for so long, so tired."

Shui Yuanyuan hurriedly said distressedly: "Don't work so hard, you are still young, and when you are still growing up, you will have plenty of time to display your skills in the future."

Jiaxue stuck out her tongue: "Isn't this something already done, we can't give up halfway, right?"

Jiaxue is not interested in talking to Jiayi, but Jiaxue really has something to say to Shuiyuanchang: "Dad, there is a rumor that the conditions for applying for a pre-sale permit for commercial housing may be changed. Do you think it will be realized?"

Jiaxue knew in her heart that it would definitely change, but she couldn't remember exactly which year it was. When the conditions changed in her previous life, she hadn't entered the industry yet, so she didn't care much.

In the past two years or so, she reminded her father in advance to save him from being caught off guard.

——The conditions for the pre-sale permit of commercial housing are originally after the land certificate, construction permit and other formalities have been completed, and the requirements for funds or project progress are not high.

In general, the requirement is that the application can be made after the project investment reaches a certain share. Basically, in a residential area, if several buildings enter the main construction, the pre-sale permit for that phase of the project can be obtained.

If it is a single building, it can be done on a basic basis.

But there is a big loophole in this way. With the pre-sale license, you can sign a contract with the owner who comes to buy a house, and then enter the transaction process.

If you pay the full amount, you can basically pay and wait to get the key. The contract will stipulate the delivery date.

If you want a loan, you will enter the process of applying for a mortgage loan.

After the mortgage loan is approved, the owner and the real estate company basically have nothing to do with money:

The bank will call the real estate company immediately for the purchase of the house, and what the user owes is the money from the bank, which will be paid back slowly on a monthly basis in the days to come.

In short, with the pre-sale license, you can carry out the pre-sale of commercial housing, sign the contract in advance, and go through the transaction process.

The advantage of this is that it is convenient for the development company to withdraw funds: it only needs to raise the funds required for the initial investment, and the construction of a real estate can start, and the follow-up can completely rely on the sales department to withdraw funds for construction.

The disadvantages are also obvious, especially in recent years have been exposed.

That is, it is difficult to guarantee the interests of the owners, especially when real estate is booming and the sales momentum is good!

Some leather bag companies are established to build a small real estate, or even just a single building. After drawing a construction wall to enclose the land, they first build the sales department. Sign the contract with the owner and go through the process, and then don't build in the later stage, and run away with the money.

What they got was the full price of commercial housing, but only a small part was invested in the construction.

At this time, the owners have nowhere to turn: the leather bag company has long since gone bankrupt and dissolved, and the legal person is likely to be a scapegoat who cannot bear the responsibility at all, and there is no responsibility for the company's employees.

But they can't get a house, but they still have to repay the loan to the bank every month!

Because the bank transferred the money to the leather bag company, they only have debts with the owners now!

Therefore, the state later changed the application conditions for the pre-sale license, requiring that the main body construction must be completed before applying for pre-sale.

In this case, the investment has reached more than half, and it will take some time to sell all the houses.

The best way for developers is to use the returned funds to complete the construction of the project, so that they can make money.Otherwise, before the completion of the project, it is basically in a state of investment, and there is no output. At this time, if you run away, you have no place to jump from the building.

This kind of reform protects the interests of the owners, starting from the majority of bosses, but it raises the threshold of the real estate industry.

After the promulgation of the new regulations, the real estate industry has been in the process of spontaneous integration for a long time: companies with insufficient financial strength will be eliminated by the market.

Rao is a big group like Decheng. If there is no preparation in advance, there will be a big turbulence. There will be a very tight period: because the previous budget for project investment is very different from that after the reform. It used to be enough to invest in the construction of several buildings But now it can only be used for the construction of one real estate.

However, there are many real estate projects under construction under the company, which have already been rolled out, so we can only grit our teeth and invest more to survive this extraordinary period.

So, at this moment, Shui Yuanyuan heard Jiaxue's question, and he still didn't care much and said, "Hehe, reform is not an easy task. How many companies have to die? Even if we want to survive, we have to seek investment. , or increase bank loans, once the game collapses, it will go bankrupt.”

Once the capital chain is broken, it will be over.

Jiaxue immediately held a different opinion: "Dad, now many leather bag companies go to second- and third-tier cities to invest, and then flee with money. Some people take advantage of this loophole to make money. I think the government must rely on the people Profit is what matters."

Shui Yaoyuan said indifferently: "Taxation is still supported by enterprises, and the real estate industry is the leader. So many real estate companies have died at once, and the compression is too severe. If the government wants to reform, it must be cautious."

Jiayi pursed her lips unwillingly beside her.

She couldn't understand when things became like this: Jiaxue and her father were talking, but she couldn't understand.

——As a high school student, it is indeed normal for me not to understand these things.

But compared with Jiaxue, one of the sisters shone brightly while the other faded away.

Jiaxue continued to argue: "Dad—you are pampered and don't understand the sufferings of the people! For those small real estate company owners, it is nothing more than that this industry can't continue and they switch to other things. But for ordinary people who buy houses, A house, that is all the savings of a lifetime, it is a lifetime of painstaking efforts! What are they buying a house for? It is just needed for the lion to get married! What shakes the suite is the trust of the two families and a dozen people in the country and the government! It is impossible not to ignore it.”

Now these things are just a symptom, and there are not too many owners who have been deceived.

If we continue to let it go like this, and everyone dare not even buy a house, but it happens to be a necessity, then how will it end!What a big deal.

Especially Jiaxue herself grew up at the bottom of the society. No one knows better than her what it means to be cheated when buying a house!

It was a lifelong struggle that suddenly came to nothing, and all hope for a happy life was extinguished!

Anyway, if according to the economic situation of Zhou Gang and his friends in the past, if there is no solution to this kind of thing, then they will start to hate, socialize, socialize!

Shui Yaoyuan listened and tilted his head to look at Jiaxue: "The real estate developed by our company has never been aimed at the lowest class of society."

Jiaxue was speechless: "Dad—what kind of consciousness do you have? Is the reform still graded? Building a villa area to cheat money is not a heinous crime, is it?"

Shui Yuanyuan smiled, stretched out his hand and pointed Jiaxue's nose and said, "Look at you, who cares about the country and the people!"

Really cute!

Seeing her father's attitude, Jiaxue immediately understood that he was teasing herself, and immediately refused: "Dad, you are too bad! I'm still worried about the company!"

Shui Yuanyuan smiled and said: "Dad is a company, just one word: stable. You can tell from my saying that I won't vote for the bid in City A. But you are more bold and radical. I was always worried about you Could it be that one day you will suddenly play cassettes... Now it seems that you are still very perceptive."

If you can't realize the existence of danger, then blindly taking risks and being aggressive is to be overjoyed and eager for success.

But while making great strides forward, one can clearly know what he is doing, what he may encounter, and have conceived countermeasures, that is an excellent entrepreneur full of adventurous spirit.

There is often only a fine line between the two.

When Jiaxue saw her father say this, she knew that her father was ready to deal with it, and she smiled: "I took what my father said seriously just now, it's really..." What a joke!

Shui Yaoyuan took a piece of tenderly cooked Yangtze river fish for her: "You like fish, eat more, you've lost weight during this time, don't always tire yourself so much."

At her age, it is really distressing to think so much while studying.

So he said to Jiaxue again: "If the reform comes too fast, I'm afraid your square will have to catch up. If you encounter difficulties then, Dad will help you solve it."

Jia Xue refused: "I said independent accounting, and I will solve it myself! And you see, since I have thought about this aspect now, I will definitely have countermeasures."

Shui Yuanyuan didn't say anything more.

It doesn't matter whether she is applying for a bank loan, a venture capital investment, or directly getting help from Xiang Hanchen, it is a good choice.

The former two exercise personal abilities, and the latter can test the relationship between the two of them.

The relationship that has experienced wind and rain together is naturally warmer and stronger than the relationship that only spends time together.

Sitting next to her, Jiayi watched the interaction between her father and Jiaxue, and looked at the picture of the loving father and daughter, and felt that she was an outsider, standing outside the door of happiness, looking at each other from afar.

She suddenly found that she could no longer integrate into the family.

——The so-called feng shui turns, in fact, in the last life, Jiaxue often felt this way.