Consumer male god

On the 2nd and 3rd, in two consecutive days, Han Lie completed the preliminary preparations for the Mingdu project with extremely high efficiency.

Tang Xintian made meritorious service.

Boy, she did 38 hours of work in 48 hours.

Coupled with Lu Shuli and the assistant, Han Lie's work pressure was greatly reduced.

The contracts with trusts, securities firms, and banks were all signed, and Lao Pan used his Pan Asset Management as a backing.

On the 4th, Han Lie came to Minggu Real Estate for the second time, signed the official project document, and immediately sent the relevant information to Lao Xing.

When I saw Lao Xing at the SAIC headquarters, the old man patted his chest and pledged his support——

"I have made all the preliminary preparations for ventilation and ventilation. Don't worry, Teacher Han. There will be a meeting in the afternoon, the contract will be signed next Monday, and in 5 to 8 working days, the money will arrive!"

The most critical part of similar projects is the funder. If the money is not available, everything else is bullshit.

Lao Xing's attitude was very good, and Han Lie naturally kept saying nice things when he was in front of him. He went straight to Lao Dou's office when he left the house.

"How about it, is Lao Xing sure?"

"Do not worry!"

Lao Dou was cheerful and optimistic.

"It's a good thing. Who wouldn't be happy to make money? 2.5 billion is not much..."

Look at this loud voice!

But SAIC does have qualifications. No wonder they are so confident.

Han Lie was actually worried about the other aspect. He couldn't talk directly to Lao Xing, but there was no taboo with Lao Dou.

"Making money is not necessarily a good thing for everyone, right? I'm afraid that someone will compete with Lao Xing for the position of chairman of the financial holding company and cause stumbling blocks in my project..."

Old Dou was startled and looked over with wide eyes: "Fuck! Who told you?"

Han Lie shrugged: "I guessed."

Old Dou was convinced.

"You monster... some people are indeed not happy, but don't worry, Lao Xing can handle a mere 2.5 billion. I won't delay your business even if I watch the excitement."

"That's good."

Han Lie was relieved and had other thoughts: "Hey, how much money can Lao Xing spend on similar projects in the first half of this year?"

"I don't know the specific number, but 10 billion should be fine, right?"

Dou Mingde made a rough guess and said with a smile: "The group has been in good shape in the past two years. As of the end of last year, its debt was just over 200 billion, and its cash flow is abundant. If you still need money for projects, just ask Lao Xing."

Han Lie was secretly speechless.

Today's large state-owned enterprises are simply blood banks...

Although the debt figure is huge, it is actually nothing at all and is very healthy.

In the future mask era, SAIC will have more than 600 billion in debt and will have to issue corporate bonds. That will be the real difficult period.

Now, Ah Shang is more awesome than Han Lie imagined.

"Okay, I understand. Please help me keep an eye on it. I have to go back to work."

"go Go."

Dou Mingde walked Han Lie to the door and suddenly winked: "By the way, when the contract is officially signed next Monday, Lao Xing will arrange where we can go to celebrate. Do you have any ideas?"

Don't do this to me, you don't understand my decency at all!

Han Lie waved his hand disinterestedly: "Anywhere will do, it's best to keep it simple."

They just sent Zha Zha away on the 2nd, and were accompanying Sister Ting on the 3rd. Today they had to comfort Wang Tianqing, who was about to die of thirst, and they probably wouldn’t be free tomorrow. They had to find time to reply to messages from important people every day...

It's boring, it's really boring...

In his previous life, Han Lie never dared to dream that one day he would get tired of a goddess-level beauty.

Men, after all, you should focus on your career.

…

The 4th is also Friday, the last trading day after New Year’s Day.

Han Lie was busy all day, and when he came back, he simply glanced at the market.

The Shanghai Composite Index rose back 20 points, while the Shenzhen Composite Index fell slightly by 32 points. More than 30 individual stocks hit their daily limits, but only one fifth of the stocks in the two cities closed with gains.

Typical fall relay.

Han Lie had seen Latai and had no intention of entering the scene to join in the fun.

Every company has a holiday on Saturday and Sunday, but the Mingdu project team still goes all out.

During this period, Brother Ham came to work - Xi Luting finally finished the outline of the new book and sent it to Ham for comments.

Brother Ham replied: "I'm taking an exam, please wait for two days."

On Monday, SAIC signed a project investment agreement with its subsidiaries. At this point, the Mingdu project is officially closed in theory.

The reason why this is theoretical is mainly because the asset evaluation and audit have not yet been completed.

According to existing information, the total net assets of Minggu Real Estate are about 5 billion, which cannot cover the risks of the Mingdu project.

Why can’t 5 billion assets cover 2.5 billion loans?

This is the difference between the theoretical value of an asset and its actual sale value.

Therefore, even if Nago mortgages all its existing assets, it is impossible to get a loan of 2.5 billion from any bank.

Even 1 billion cannot be obtained.

Because Nago's debt ratio has already exceeded the warning line.

The reason why the Mingdu project can be established is that it does not use existing assets as collateral, but uses "future properties" that have not yet been built as the main body, taking a new and clever approach.

The specific process is very strict.

SAIC transferred 2.5 billion to a special account opened at Shanghai Pudong Development Bank. Minggu could only withdraw money in accordance with the contract, and the withdrawal must obtain the consent of the project leader.

Among them, 780 million will be used to repay previous bank loans, 985 million will be used to pay back the land payment, and part of the remaining 735 million will be used to pay for evaluation, accounting lawyers, etc., leaving less than 700 million to start construction.

Construction funds are also withdrawn in batches, and money is paid according to progress.

With the supervision of the fund manager, it is impossible for Minggu to misappropriate special funds. This is the meaning of Pudong Development’s existence.

As a consideration, Minggu has mortgaged all the actual ownership and income control rights of the Mingdu real estate to the project sponsor, Han Lie's Zhongmei Company.

Upon payment of full principal and interest when due, Guyong will take back ownership of the property.

If the payment cannot be made when due, Lao Pan will spend money to buy the ownership of the project from Zhongmei as agreed, and then Han Lie will settle the cash for all parties, while Lao Pan takes the real estate and slowly handles it.

If Minggu Real Estate fails to complete the project as scheduled in accordance with the contract, the remaining construction funds will belong to Zhongmei, and the land and unfinished buildings will also belong to Zhongmei.

In the end, Lao Pan paid the bills in cash.

What’s so awesome about this whole project?

Han Lie didn't need to worry about whether Minggu had enough money or time. Anyway, he managed the money with one hand and the progress with the other.

Once the contract is signed, all the trouble will be yours, and I will only be responsible for pointing the finger.

Supervision and supervision are two-pronged. Failure to complete the project on time is your fault, quality problems are your fault, and failure to sell is your fault...

The total construction area is 200,000 square meters, the salable area is 150,000 square meters, the final pre-assessed value is 4 billion, and the mortgage is 2.5 billion. It is really very dark.

What's even darker is that Han Lie took advantage of Gu Yong's eagerness to use money and added an additional guarantee agreement——

The parent company, Minggu, will provide 55% of its equity as additional guarantee.

In other words, if the Mingdu project is not done well, not only will the building itself be lost, but the major shareholder of Minggu will also be changed to Lao Pan...

Of course, the 55% equity actually has little value. The company's net assets include the paid portion of the Mingdu project land. The remaining bits and pieces are worth at most 3 billion, and 55% is about 1.6 billion. .

Therefore, it is equivalent to a total guarantee of 4 billion + 1.6 billion = 5.6 billion, a mortgage loan of 2.5 billion, an annual interest rate of 17.5%, and a use period of 18 months.

The interest in the first year is 437.5 million.

The interest for the remaining 6 months is 218.7 million.

A total of 3.152 billion will be repaid upon maturity.

If the Mingdu project can sell about 100,000 square meters at the current housing price, it will be enough to pay off the principal and interest.

Gu Yong felt that this was something worthwhile and he could do it.

But the truth is, it's hard.

2015 is quite a magical year. The starting point of this project will be around January 10, 2014, and it will end on July 10, 2015, which happens to be the same time that the stock market crash ended.

How tragic was that time?

Not to mention anything else, the real estate industry continued to collapse until the end of 2015, until the country's foreign exchange reserves plummeted to 3.2 trillion, and capital outflows occurred significantly. As a last resort, the country could only reactivate the property market as a reservoir.

With the introduction of a large number of policies, including down payment and interest rate discounts, no purchase or loan restrictions, monetized shed renovations and other preferential policies, the real estate market re-entered an upward cycle in 2016.

Why does Han Lie limit the project cycle to 18 months?

Because if it is a two-year period, Gu Yong may wait for a turnaround until January 2016.

All real estate developers’ current optimistic estimates will be completely crushed by 2015.

And all the pessimistic expectations formed by home buyers in 2015 will be slapped in the face in 2016, and they will beat their chests with regret.

Whoever can grasp this trend in advance will be able to achieve success.

Such as Han Lie.

Therefore, in fact, the greatest significance of the additional guarantee is that in the event of a breach of contract, Gu Yong must use all his strength to ensure that Minggu Real Estate does not fall into the hands of Lao Pan, and he will no longer have any spare time to take care of the Mingdu Real Estate.

If Gu Yong still has the ability to recruit support, he must first save the company.

As long as Lao Pan delays it a little, without doing anything substantial, Mingdu Community will inevitably fall into the hands of his father and his wife.

If Gu Yong is not good, or Lao Pan is too good, then in addition to the main meal, he can also eat snacks.

That's what happened. Now, Han Lie can settle a small score.

On Monday the 7th, SAIC signed an investment agreement.

On Thursday, the 10th, SAIC’s 2.5 billion was transferred to the special fund account of Pudong Development Bank, and the contract officially came into effect.

Therefore, the ecstatic Guyong immediately sent out invitations and prepared to hold a grand celebration banquet at 8pm on Saturday, January 12th at the Four Seasons Hotel the day after tomorrow.

The main purpose is not to thank Han Lie, but to express to the major creditors, contractors, and partners that I am rich!

On the 10th, Han Lie, Dou Mingde, Lao Xing, Pan Zi, Lao Zhang, Liu Minghao, CITIC Securities Lao Gao, CITIC Trust Lao Liu, Pudong Development Lao Huang and other core figures in the small circle gathered together.

After this cooperation, everyone's relationship has become even better.

At the same time, because of the smooth cooperation, we began to look forward to the next time.

During the chat, Lao Zhang proudly mentioned Gu Yong's ecstasy.

"Lao Gu has been saved by you. How about it? Can you guys go to the celebration party and have a round?"

Han Lie and Pan Zi looked at each other covertly, with smiles in their eyes.

save?

Let’s call it that…

Lao Xing was the first to shake his head: "I won't go. Do you know who he is? If it weren't for Teacher Han, I wouldn't even lend him 250,000 yuan, let alone 2.5 billion!"

Dou Mingde nodded in agreement: "Yes, I am too lazy to deal with people who are not related to me."

Pan Zi continued: "I'm not going either, I don't have time."

"It's not appropriate for me to go."

Lao Huang spoke in an understatement, and everyone understood what he meant.

Strictly speaking, Gu Yong has always wanted to curry favor with Lao Huang, but unfortunately he couldn't.

Although there is cooperation now, it was organized by Han Lie. What does it have to do with Gu Yong?

When the topic stopped, only Han Lie, Liu Minghao, Lao Liu, and Lao Gao were ready to go around and show their faces.

Liu Minghao said very matter-of-factly: "This type of business has great potential. I plan to take Xiao Lu to have a look. It can be regarded as re-opening a new type of business in the real estate circle."

Lao Liu and Lao Gao both had similar thoughts, so they had to get Han Lie involved.

"Teacher Han, you have to go!"

"Yes, you are the protagonist. If you don't go, why are you celebrating?"

Lao Huang glanced at Tang Xintian and ordered: "Tiantian, please accompany Teacher Han. This is a good opportunity to expand your business. However, you must find your own positioning, and everything should be centered on Teacher Han."

"No, Huang Xing, you are serious."

Han Lie smiled and waved his hand, and was about to say a few words of modesty, when Tang Xintian came over without hesitation, held his shoulder, leaned against his arm, and toasted to him.

"Teacher Han, please don't be polite. Don't worry, my sister will follow your lead in everything!"

Han Lie was stunned.

No, what happened to you? !

Are you so careless in public? !

He subconsciously glanced at Pan Zi, "Good guy, my father-in-law, who usually takes a very open view of this kind of prank, now has his eyes narrowed!"

Han Lieqiang calmly dealt with it, and then took another look...

Tang Xintian returned to his original position without changing his expression, not taking it seriously at all!

Tsk tsk, when it comes to psychological quality, it has to be you...

The next drink made Han Lie restless. He was very sensitive and couldn't feel Tang Xintian's intentions towards him, but he could feel her closeness to him.

So it's very numb.

Can you just say what you want?

Feeling really unsure, the banquet ended early. Han Lie excused himself from watching the market tomorrow and didn't go to the next party.

But it didn't affect everyone's support for him.

What Lao Xing means is that if there is another similar reliable project and you need money, just contact him.

Lao Liu and Lao Gao promise that the cost can be reduced again next time we cooperate.

Lao Huang was very reserved and did not express his position directly, but he asked Han Lie to play golf on Sunday.

Generally speaking, such a small ABS project group with Han Lie as the core has been formed.

If he really had the opportunity to do a similar project again, Han Lie wouldn't have to worry about it from house to house. In one word, he would be able to do his part well in all aspects.

Isn’t that just about everyone picking up money together? !

After the banquet, everyone went back to their homes, but Han Lie did not dare to see Tang Xintian off.

Pan Zi clasped his little hands behind his back and chatted with Lao Huang with a smile. No matter how hard Brother Lie lied to himself that he was not afraid, he still felt a little scared...

I really didn't do anything!

Gan!

…

Returning to the hotel at around 8 o'clock, Han Lie was about to quietly help Xi Luting go over the outline. Sister Bai, who had kept her microphone closed for several days, couldn't help it any longer.

"Little man, I don't feel well..."

Han Lie replied with two words: "Take medicine."

Just as he was about to throw the phone aside, she sent a photo.

In the photo, she is painting jiojio's nail polish in a nail salon or something like that.

This is not unusual, but what is strange is... there are two pairs of feet in the photo!

"Little man, my sister feels uncomfortable too..."

Depend on!

You didn't say this earlier!

Brother Lie immediately picked up the phone and typed patiently: "Which sister is yours?"

"Hehe~~~" She gave a bad smile, and then said: "Xiaoshuang! Xiaoxue is taking the final exam, which sister do you think she is?"

hiss……

Brother Lie licked his chapped lips and remained reserved for a moment.

"Why are you looking for me when she feels uncomfortable?"

Sister Bai is really a seductress, and her flirting skills are simply amazing.

The first sentence was: "She praised you before! Do you want to help me?"

Brother Lie shivered all over.

Don't get me wrong, the main reason is that I don't understand, she is too proactive, right?

In the end, Sister Bai took the initiative to solve the puzzle.

"Oh, you are the God of Fierce Words. We are a pair of weak women. What's wrong with wanting to hug a big thick leg? So Li Li, let's take our sisters and fly!"

As soon as he heard the words "Jinkou Yuyan", Han Lie slapped his forehead.

Damn, I’m so busy!

It's another week, and the market is about to fall below 2,000 points. Bai Yuqiu is not the only one who is anxious now.

Every one of the Pudong Development Bank Private Banking clients who were lucky enough to hear Han Lie’s lecture were convinced!

The reason why not many people come to our door is because everyone is waiting for a rebound.

The plunge is one level of verification, and the rebound is another level. After the rebound, it falls below 2,000 points again, then Han Lie is a god - every word of his prediction is correct!

But Bai Yuqiu didn't want to wait any longer.

On the one hand, she is more anxious, on the other hand, it may be because she is more anxious...

"Enemies, do you have to ask your sister to beg you?"

Bai Yuqiu typed the first sentence, and then suddenly sent a voice message to the next sentence: "Okay, please!"

This can't be tolerated!

Brother Lie glanced at the outline in his notebook and closed the computer in pain.

Sorry, little cucumber, I really don’t have any inspiration right now, so I have to try something new to expand my ideas...

You wait one more day!

My inspiration is about to burst out like a fountain!

****

Are the inspirations still flowing smoothly for the brothers? quack