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Chapter 138 Industry bubble (second update)

……

In the living room, Ye Zhiqiu looked for the actor's resume, and he was obviously choosing the male lead in "Diary of a Cooking Wife"!

While we were chatting, we got off topic again!
However, the lower the level of the people, the more they care about housing and people's livelihood. If some people don't care, it's not normal!
Ye Zhiqiu saw that in the living room, Xu Wenwen, a girl from the countryside, Jiang Tingting and Jiang Luli were all looking at him.

Ye Zhiqiu thought about it, after all, we still have to live our daily lives, and we can't be busy with the crew all day long.

I am not a robot!

Just treat it like chatting with old friends~
Ye Zhiqiu glanced at everyone's faces, and said with a smile: "If some of you have some spare money and want to invest, I would actually suggest that you hand over the money to me. It just so happens that Zhiqiu Entertainment is short of money recently. !"

Jiang Tingting and the others gave Ye Zhiqiu a blank look.

Ye Zhiqiu restrained his smile, and said solemnly: "'Leverage' investment is a concept in economics with a small and broad concept, and it is a common method used by investors. Especially in the futures market and the real estate market!"

Ye Zhiqiu stared at Mikael and continued.

"For example, now there is a house, the price is 100 million yuan, and the current policy stipulates that mortgage loans are not allowed, and the house must be bought in full! This is called zero leverage, no leverage!"

"But if the policy stipulates that you can get a mortgage loan, you don't need to come up with 100 million in cash directly. You only need to come up with a down payment of 20.00%, which is 20!"

"20, you can take away the house with a price of 100 million. What about the rest of the money? The bank will pay for it first!"

"Then you are slowly repaying the loan in installments, slowly and slowly repaying the bank's money."

"This is called leverage!"

"How much did you add?"

"Five times more!"

"In real life, many people think that 'leverage' is far away from them, but in fact, it is not far away from the concept!"

Mikaer nodded in understanding, and after explaining the concept, Ye Zhiqiu continued to introduce the next topic.

Say.

"Just now you asked me about the real estate industry. Buying a house and investing in real estate are different concepts."

"For an investor in the real estate industry, if he has 100 million in cash and expects house prices to rise, what will he do!"

"He will divide it five times, divide the 100 million cash into five 20 yuan, and buy five sets of it in one go."

"If the house price rises from 100 million to 110 million, then he will earn 50; if it rises to 120 million, then he will double his income, which is equivalent to giving him the original house for nothing!"

"This is the difference between ordinary people and rich people!"

"But~"

"Leverage is a double-edged sword. It can greatly promote the development of the market economy! Just like the real estate industry, the bubble is getting bigger and bigger. If it is 'punctured' one day, it will be a huge blow to the economy. blow."

"Take the example of buying a house for 100 million just now~"

"Five times leverage, if the house price falls to 90, then you will lose 50; if it falls to 80, then you will have no money!"

"But when the house price drops to 70, what should you do?"

"Even if you sell all the houses in your hands at this time, you won't be able to pay back the money from the bank!"

Ye Zhiqiu looked at Jiang Tingting and the others, they all looked blank, and He Xiaojing stared at Ye Zhiqiu curiously.

Ye Zhiqiu thought to himself: Little girl, you care about the housing issue at such a young age, do you understand?

Xu Wenwen watched Ye Zhiqiu get to the point, and asked without further ado.

"so what should I do now?"

Ye Zhiqiu shook his head, "The house is gone!"

"For a rational investor, the house price has fallen to 70~"

"Then he won't pay it back!"

"No more!"

"Anyway, the house is a mortgage payment, mortgaged to the bank, mortgaged!"

"Throw the house to the bank, whatever you like, I don't care anyway! It's considered that the house is sold, 'give' to the bank!"

Mikael pondered carefully~
Not right!

That lost money~
How to calculate?
Ye Zhiqiu continued.

"So, this situation must be avoided. The bank cannot collect the loan and collects a bunch of dilapidated houses that continue to fall! Then the bank will collapse~"

"From the current situation of our real estate industry, how many loans have been granted by major domestic banks!"

"If you can't get the money back, the banking system will collapse, the financial economy will collapse, and the national economy will collapse~"

"So, can house prices let it go down?"

"It cannot fall, it can only be regulated. Our country has been leveraged too much for so many years!"

"But housing is a problem of people's livelihood. If the housing price is too high, it will also have problems. There is a joke in the industry that 'to hit a country's economic system, it is enough to hit the real estate'!"

"What the above are doing now is 'deleveraging'!"

Ye Zhiqiu feels that his three views are quite upright, but now the problem is that there are too many "leverages". Even if Ye Zhiqiu has money, he doesn't want to join in the fun.

So what if you make money, it's not a 'disaster' to the next generation. Housing prices will rise higher and higher, and no one will be able to pay the bill in the end.

Mikaer and the others listened to Ye Zhiqiu's analysis and nodded, gaining some understanding.

What Ye Zhiqiu said was relatively simple and easy to understand.

After all, to get too deep, Ye Zhiqiu also has to consider the IQs of a few people, right?

In fact, if Zhang Jinguang's family had invested in their own country, they would have made a lot of money by now!
It's a pity, you said that it is not good for you to choose, but the small island of Qiguo.

He also deserves to admit that he is unlucky.

……

night.

Tang Mingzhe insisted on pulling Zhou Mengqi, saying that there was a dinner and wanted to introduce some important people to Zhou Mengqi.

Zhou Mengqi naturally refused, and she also found that her boyfriend had changed a lot recently since he left school.

But anyway, there is still hope!
In the evening, they said that there were some important figures. Zhou Mengqi was not interested in these important figures, only Tang Mingzhe was interested.

Why did she have to bring herself there? Zhou Mengqi had an idea in her heart, but she just couldn't believe it.

"Mengqi, I really can't refuse this dinner tonight, so just go with me as my female companion."

"I've been your boyfriend for a year and I've always behaved myself. Just go with me once!"

"I won't hurt you!"

Tang Mingzhe told Zhou Mengqi!
Zhou Mengqi, if you think about it carefully, the same is true.

Over the past year, Tang Mingzhe has really behaved well to her, without any overstepping.

After thinking about it, I thought the person serving the banquet was Director Ye who auditioned today.

Looking at Tang Mingzhe, thinking about arriving at the place, he simply explained it clearly to that Ye Dong.

Save yourself from pestering yourself in the future!

Zhou Mengqi replied: "That's fine~ let's go!"

Tang Mingzhe was slightly stunned, and immediately opened the passenger door of the car he borrowed from his brother tonight, and put one hand on the roof of the car to prevent Zhou Mengqi from hitting her head.

damn~
Quite attentive!
……

　This chapter was sent to the wrong volume, it is the content of the third volume, the VIP chapter is not easy to delete, I will contact the responsible editor as soon as possible, and transfer the chapter back.

　　
　
(End of this chapter)