Rebirth in officialdom: crush enemies and reach the top

After listening to Li Yunfei's report, Lu Hantian and Xue Wei's faces flashed with surprise.

"Mayor, what do you think?"

Lu Hantian first glanced at Xue Wei.

“Purchasing a house with zero down payment is a double-edged sword, with certain risks, but it is also a catalyst with extremely significant effects…”

"Once the zero-down-payment home purchase policy is announced, consumers' enthusiasm for home buying will be unprecedentedly high! Maybe people from other cities and counties will also go to Linzhou to buy homes, which will have a huge promotion effect on the development of Linzhou's real estate!"

A trace of perseverance and determination flashed in Xue Wei's eyes, "It depends on whether we have the courage to take a gamble! Just bet on next year! If nothing happens next year, Linzhou's economic development data will be better. If we crush Xiangzhou, then we will win the bet..."

Lu Hantian also nodded and said, "This is indeed a big gamble! In addition to the possible financial risks, there is another problem that must be solved! That is the zero down payment, which is consistent with the central bank's requirement that the down payment ratio for personal loans should not be less than 20%. Contradictory! Someone must go to the central bank to negotiate on this point and strive for an opportunity to implement a zero-down payment pilot program for home purchases!"

"I think we must report this proposal to Governor Qi Xia as soon as possible. The Qi family has deep roots in the capital. It is most appropriate for him to come forward to negotiate with the relevant departments..."

After listening to Lu Hantian's words, Xue Wei and Li Yunfei nodded like chickens pecking at rice.

The three quickly reached an agreement, so no additional discussion was needed.

Lu Hantian went to call Qi Xia for instructions.

Li Yunfei and Xue Wei started chatting.

"Mayor, there have been many more companies developing real estate in Nanzhu County recently than before! Therefore, the branches of the four major banks in the county and rural credit cooperatives have reported that the number of companies applying for loans has also increased explosively than before! However, the scale of deposits has not expanded. , it’s better to turn in deposit reserves at a certain ratio! I’ve been having a lot of headaches recently because of this matter... It would be great if the reserve ratio could be lowered, and then this part of the money can also be loaned out!"

Li Yunfei couldn't help but smile bitterly.

"How can this be!"

Xue Wei couldn't help but roll his eyes at Li Yunfei, "The deposit reserve ratio is determined by the central bank based on the total deposits and total liabilities of each commercial bank! It is a position to ensure the solvency of commercial banks. It is not something we can decide! It's not just Nanzhu A county and the entire Linzhou City are facing almost the same situation! As you know, the banking industry is a vertical management model! Our influence is still limited!"

If Li Yunfei wanted to say anything else, Lu Hantian came over after making the phone call.

"I just had a phone call with Governor Qi. Governor Qi also thinks that next year we can take advantage of this gimmick of buying a house with zero down payment! If we win, we will take advantage of it. If something goes wrong, we will abolish it in time. It is a reform experiment after all. It is normal to make mistakes in judgment... He will go to the relevant departments to negotiate this issue. What we have to do is to make the hot pot of Linzhou real estate even hotter. Next year will be a critical year for the economic war between Linzhou and Xiangzhou. , we must make the economic data very dazzling, and defeat Xiangzhou, especially the two economic development zones!"

"Don't worry, Secretary, once the policy of zero down payment for house purchase comes out, Long Wenwen and Chu Xian will be even more powerless to resist!"

Xue Wei said with a very excited expression, "I think next year, whether in terms of economic aggregate or GDP growth rate, we are very sure to surpass Xiangzhou!"

"Hahaha, if that's really the case in the end..."

Lu Hantian couldn't help laughing, "I guess Chen Changming and Su Chendong's faces will be swollen! Not only will their faces be greatly damaged, but they probably won't be able to keep their current positions! Governor Qi will be able to go up directly!"

……

When the news that Linzhou City was piloting a zero-down-payment home purchase policy reached Shuanglu County, Han Junlin asked Chu Xian what he thought.

Chu Xian couldn't help but shake his head, "Purchasing a house with zero down payment shows that it is not only beneficial to real estate companies selling real estate, but also beneficial to ordinary people buying houses. In the process of buying and selling houses, it can also increase the government's fiscal and tax revenue. Everyone seems to be happy." , but in fact this is a very risky behavior! Why do housing loans require a down payment ratio? It is to screen some home buyers with credit and financial solvency! You have to know the commonality of people, that is, they are too easy to obtain and do not have the ability to pay. You won’t cherish what you pay for! If you buy a house without paying the down payment, although you are paying the monthly payment every month, it feels like renting a house! If the home buyer doesn’t want to pay the monthly payment at that time, he will Choose to cut off the supply directly..."

"Because under the zero down payment policy, the price for a home buyer to cut off the mortgage payment is very small, because he paid nothing when buying the house! So when the economic situation is good and the real estate industry is booming, nothing can be seen, but once the real estate industry When the industry is in recession and housing prices begin to fall, it will cause a large-scale interruption of housing loans and trigger financial risks..."

Chu Xian, who was reborn, knew that in his previous life there was a down payment loan for the down payment of a house, and it was severely cracked down by the relevant departments. It was for this reason!

Hearing what Chu Xian said, Han Junlin also realized the seriousness of the problem.

"Should we remind them of this? Although they are hostile to us everywhere, if we let it go, something will go wrong and the interests of the country and the people will still be lost!"

"It's impossible for these people not to know the risks of buying a house with zero down payment, but they still insist on implementing the pilot project in order to make Linzhou's economic data more dazzling! For a little selfish desire, they don't take state-owned assets and people's hard-earned money seriously, It’s so greedy!”

Chu Xian nodded, "The reminder is necessary, but whether those self-righteous idiots in Linzhou are willing to listen is another matter! Secretary Chen has warned them before that Li Tang might defraud them of loans. , but I heard that the commercial bank in Nanzhu County still accepted Li Tang’s request for a loan of 3 million yuan, which shows that they did not take Secretary Chen’s warning to heart at all! If Linzhou allows these people to do whatever they want, it will collapse. No!"

"Then how are you going to remind them?"

Han Junlin asked again.

"I had an acquaintance with Zou Hua, the secretary of the Nanzhu County Party Committee. I called him and asked him to restrain Li Yunfei. He was jumping up and down like this. If he gave the people's hard-earned money to After all the trouble, even if he spends his whole life in jail, it won’t be enough to atone for his sins!”

Chu Xian sighed and said, "As for Lu Hantian and Xue Wei, we should put pressure on them through Secretary Chen and my father-in-law, otherwise they will definitely cause great trouble! They deserve to be severely punished when the time comes. ! But the lost national assets and the interests of the people cannot be recovered..."

"That's all we can do now..."

Han Junlin also sighed, feeling helpless at the situation in front of him.

Chu Xian quickly made a phone call to Zou Hua, reminding him about the dangers of buying a house with zero down payment and some subprime loans with poor credit. He emphasized that if a loan is to be issued, once there is collateral, it must not rely on cadres' greetings or so-called guarantees. Provide loans.

"Thank you County Magistrate Chu for the reminder. I will definitely talk to County Magistrate Li Yunfei as soon as possible to handle the matter! In addition, I have investigated all the problems that were discovered in the shuttle bus operation from Nanzhu County to Izumo Town! Details The investigation report has also been submitted to Secretary Chen. I hope that if there is a chance, County Magistrate Chu can help me put in a few kind words in front of Secretary Chen and Governor Su. I would be very grateful..."

Zou Hua was extremely respectful to Chu Xian, who was one level below him on the phone. As soon as he put down the receiver, the extreme anger on his face could not be concealed.

"This Li Yunfei is really getting more and more arrogant! He didn't report such a big matter to me in advance or discuss it with the Standing Committee. He just made the decision himself! He didn't even take me, the county party secretary, seriously!"

"If this matter really happens like what Chu Xian said, I, as the secretary of the county party committee, will never be able to escape my involvement! I can't be harmed by him!"

Thinking of this, Zou Hua called his liaison officer and asked him to call Li Yunfei's liaison officer and make an appointment with Li Yunfei to meet!