House prices in Bianjing?
Doesn't this mean lending?
Zhang Fei's thoughts were jumping so fast that even Ma Tianhao couldn't keep up. He said slightly puzzled: "Bianjing's housing prices are notoriously high. Why do you ask?"
Zhang Fei didn't answer but asked: "Why are housing prices in Bianjing so high?"
Ma Tianhao said: "There are few people in this place, so it is naturally high."
"exactly."
Zhang Fei nodded with a smile and said: "Even members and outsiders think that the housing prices in Bianjing are very high. You can imagine how many people can afford it. However, if no one cares about it, the price will naturally not go up. It can be seen that There are also many people buying it, because all the rich people in Song Dynasty live here in Bianjing."
Before Zhang Fei could finish speaking, Ma Tianhao suddenly asked: "What do you mean, you want me to lend money to people who buy houses?"
As expected of an old man, his reaction was very quick, and he wouldn’t let me pretend even for a second longer. Zhang Fei smiled and nodded: "That's right."
There is a lot of demand and high prices. Isn’t this the natural soil for lending?
"Ha ha...!"
Ma Tianhao threw his head back and laughed.
The laughter was full of sarcasm.
"hehe!"
Zhang Fei also laughed.
As soon as he smiled, Ma Tianhao immediately stopped smiling and asked, "Why are you laughing?"
Zhang Fei asked, "What are you laughing at again?"
Ma Tianhao suddenly showed disdain and snorted: "I'm laughing at you for not overestimating your capabilities. You're a fantasy. Why do you need to teach me? Do you know how high the house prices in Bianjing are? Not to mention whether you can lend such a Even if you can borrow a lot of money, who would dare to borrow it?"
House prices in Bianjing can easily reach tens of thousands of dollars, who can afford to borrow it?
Zhang Fei raised the corner of his mouth and said: "I thought that as a member of the Communist Party of China, as a leader, and as a coach, my views would be different from others, but I never thought that they are just superficial!"
This guy doesn't think he's filing a lawsuit, does he? When asking for help, his words are so harsh. Ma Tianhao had already seen that Zhang Fei wanted something, but the boy's tone made him very unhappy. He waved his hand and said: "Okay, okay, just think that I am superficial. Then you kid, tell me, what is profound?"
Zhang Fei replied: "If everyone is already doing this, it's like lending money to farmers who are struggling. What else should I say to the members? Isn't this a waste of everyone's time? Just say something that no one else has yet. Only in this way can the business done be profitable.
As for the questions raised by the members, they are actually easy to resolve. The first is the risk. If I help employees establish contracts, the risk is almost non-existent. "
Ma Tianhao said in surprise: "What do you mean, there is no risk?"
"Almost none," Zhang Fei corrected.
Ma Tianhao asked: "Why is there almost no law?"
Zhang Fei smiled and said: "Lending money to someone to buy a house will definitely be a lot of money, so what is the collateral? Of course it is the house!"
"No! No!"
Ma Tianhao shook his head and said: "I lend money to others to buy a house, and then use the house as a mortgage, so what do I want? I might as well buy it myself, and the other person will pay two months' interest. If I don't like living in it anymore, I just don't want the house."
Zhang Fei smiled and said: "Come on, don't worry, I haven't finished talking yet. Lending money to someone to buy a house doesn't mean borrowing the whole amount. You can borrow two-thirds, and the other party will pay one-third, or you can borrow three-thirds." First, if the other party can't pay back, Yuanwai will deduct the house, which is equivalent to getting one-third of the rent for free. Based on the housing prices in Bianjing, one-third is a lot!"
Ma Tianhao nodded slightly. This idea was a good one, but it was of little use. He glanced at Zhang Fei and saw that this guy was strategizing. He felt a little unhappy and asked, "What do ordinary people do when buying a house?" Ask relatives and friends to borrow it, after all, the interest we offer is too high, and for such a large sum, it may be difficult for high-ranking officials in the DPRK to pay the interest."
Since this one-third is quite a lot, how low can the interest on the remaining two-thirds be?
Zhang Fei said: "I have said before that your method is simple and crude and can easily lead to lawsuits. Although you have made money, your reputation has been ruined. So we have to change the method."
Ma Tianhao asked: "In what way?"
Zhang Fei replied: "If an official lends 10,000 yuan to an ordinary person, calculated based on the most popular multiple interest rates, the profit will be only 10,000 yuan in one year. If he lends an official 10,000 yuan to buy a house, even if the monthly interest is 10,000 yuan, Counting it in points, there is still a profit of a hundred dollars!
Beyond that, there's the length of time. The reason why those people were forced to die was because the time was too short, but if the time was extended to ten years, the situation would be completely different. "
"One cent? Ten years?"
Ma Tianhao almost stared out of his eyes. He must be a lunatic. He said angrily and amusingly: "Are you teasing me like a three-year-old child here? Can borrowing 10,000 yuan and borrowing 1 yuan be the same thing?"
Zhang Fei had a calm and calm smile on his face, "I am definitely not trying to change my concept. This is the way to make money. Yuanwai's business is lending and trading, so coins are Yuanwai's goods. Am I right?"
Ma Tianhao nodded.
Zhang Fei continued: "Businessmen are the most taboo about hoarding goods, but I can guarantee that the staff will only take out at most 30% of the coins for lending, and the remaining 70% will be moldy in the money bank."
Ma Tianhao snorted: "What's wrong with this? There's little risk in doing so."
It is tantamount to admitting in disguise that in fact there is not so much. This is all caused by the gap between the rich and the poor. For ordinary people, ten dollars is already a lot, but for wealthy businessmen like them, it is really a drop in the bucket to borrow money. There are many people, but the total amount borrowed is only so much.
Zhang Fei said: "The method I used before did take a long time and the interest rate was low, but I can guarantee that all the money from the outsiders will be borrowed soon. Before, only 30% of the money from the outsiders was generating interest, and it was extremely unstable. Now All the money is generating interest, and it is extremely stable. Calculated in this way, the income is obviously much higher than the former."
Ma Tianhao said: "Extremely stable? Why do you say that? It's a lot of borrowing, and the risk is naturally high. If you don't pay attention, you may lose everything."
"Commissioner, have you forgotten what I just said? There is almost no risk."
“It’s difficult to guarantee just by relying on a house mortgage.”
Ma Tianhao said in a more subtle way: "I can borrow tens of thousands of yuan. I don't need to think about it. How can I afford to offend someone who is either rich or noble?"
Zhang Fei smiled and said: "This requires me, a person who is proficient in the law. I can help the officials to reach an agreement with the DPRK. As long as the debt purchase contract drawn up by me is signed, then as long as the other party breaches the contract, the government will not If there is a need to open a court, the house will be directly transferred to the outsider, or the house will be closed down and the coins obtained will be returned to the outsider, ensuring that the profit earned by the outsider is a penny."
"You have this ability?" Ma Tianhao asked in surprise.
Zhang Fei said angrily: "This is all I have, okay."
Ma Tianhao was stunned and suddenly realized, just as Zhang Fei said before, Zhang Fei's purpose was to help him avoid lawsuits. This is a legal issue. After detouring for a long time, he still ended up here. If Zhang Fei could say If you do this, you can indeed avoid lawsuits.
But can Zhang Fei really do it?
Ma Tianhao expressed doubts about this, "You misunderstood. I didn't mean your methods, but the court is full of hostility towards you. How could you do it?"
Zhang Fei said: "You don't have to worry about this, I have my own method, and it will be approved by the current emperor."
Is it so powerful? Ma Tianhao didn't quite believe it. He frowned and thought for a while, then shook his head and said, "What you said is very nice, but in my opinion, the risk is still too great. Imperial policies change day by day. Even if you can do it, who can guarantee it?" Will the court regret it after I lend the money?"
Zhang Fei was silent for a while and said: "May I ask Yuan Wai, can you guarantee that the imperial court will not find a reason to confiscate Yuan Wai's property tomorrow?"
Ma Tianhao frowned and said nothing.
Zhang Fei added: "The only thing that can protect the outsiders now is the law. If the outsiders don't even believe in the law, who can protect the property of the outsiders from being misappropriated?
Secondly, I think that with the current wealth of members, if you continue to pursue wealth blindly, you will put the cart before the horse and bring about your own destruction. Wealth without the blessing of power belongs to others.
Members should find ways to improve their status, enhance their influence, and even gain access to power. Only by adding the law can they ensure that they have no worries. "
Ma Tianhao frowned, and suddenly raised his hand to fish on the table, but found nothing. He couldn't help but cursed: "Why hasn't that kid bought the wine yet?"
Zhang Fei really wanted to light a cigarette for him to relieve his nervousness, but unfortunately there was a fire but no smoke. He smiled and said: "Don't be nervous, outsiders. Gentlemen love money and get it in a wise way. I don't want to instigate outsiders to do illegal things." "
Ma Tianhao glanced at him and said with a smile: "I've heard for a long time that your kid is not afraid of death. When we meet today, it's really better to meet him than to be famous!"
Zhang Fei smiled and said: "Everything I do is fair and aboveboard. I even dare to sit in front of the Kaifeng Mansion and talk about all this with other officials."
Ma Tianhao smiled and nodded: "Then tell me how upright you are."
"Low interest rates."
"Low interest rate?"
"right!"
Zhang Fei smiled and said: "You should also know that in the past thirty years, the imperial court has been dissatisfied with private lending, and this dissatisfaction has even reached a point where it has exploded. Many important ministers believe that if this continues, it will endanger the country." Stability, it can be seen that this is already very serious.
If an employee offers an incredibly low interest rate at this time, even though it only involves housing loans, one can imagine the impact this will have on the entire industry.
By then Yuanwai will become a banner, supported by many wise ministers in the DPRK. This is the model of businessman they want. So whoever wants to move to this flag in the future will mean that the court is more eager for the people to raise interest rates.
And this kind of scruples will also make employees worry-free. "
Ma Tianhao's eyes flickered, he pondered for a while, and suddenly said: "Officials owe me money, which may not be a good thing!"
Zhang Fei smiled and said: "Officials all owe money to Yuanwai, which proves that officials all recognize Yuanwai's interest. Every year, officials want to buy a house. If something happens to Yuanwai, let's ask who lends them money and weigh the pros and cons. They won't be stupid. It's a matter of course. And I will also provide support to the members outside the law."
Ma Tianhao looked directly at Zhang Fei for a while, then suddenly smiled and nodded: "As expected of Erbi, he is really eloquent, but I have one last question."
Zhang Fei smiled and said: "Where can I get money?"
Ma Tianhao laughed: "It seems that you have indeed made enough preparations. Not bad! Although I have some money, if I use it all to buy a house, it will be a drop in the bucket."
