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 did not 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 a lot of people buying it. This is because all the rich people in the 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 Jianghu, my reaction is so quick that I won’t even let me pretend for a second longer. Zhang Fei smiled and nodded: “That’s exactly it.”
With high demand and high prices, isn’t this the natural soil for lending?
"Haha...!"
Ma Tianhao threw his head back and laughed.
Laughter is full of irony.
"Haha!"
Zhang Fei also laughed.
When he smiled, Ma Tianhao immediately stopped smiling and asked, "Why are you laughing?"
Zhang Fei asked in reply: "What are you laughing at outside?"
Ma Tianhao suddenly showed disdain on his face and snorted: "I laugh at you for not overestimating your own capabilities. You are a fairy tale. 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 loan to someone else." 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 is filing a lawsuit, right? When he was begging for help, his words were so harsh. Ma Tianhao had already seen that Zhang Fei was asking for something, but the guy's tone made him very unhappy. He waved his hand and said: "Okay Okay, just think that I am superficial, but you kid, tell me, what is profound?"
Zhang Fei replied: "If everyone is already working in this business, it's like lending money to farmers who are struggling. Then 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 be profitable.
As for the questions raised by the members, they are actually easy to solve. The first is the risk. If I help the members establish the contract, there will be almost no risk."
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 people money 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 pays two months' interest. If I don't like living in it anymore, I just don't want the house." p>
Zhang Fei smiled and said: "Come on, don't worry, I haven't finished yet. Lending money to someone to buy a house doesn't mean you have to borrow the full amount. You can borrow two-thirds, and the other party will pay one-third, or you can borrow three-thirds."
First, in this way, if the other party cannot afford to 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 quite a lot!"
Ma Tianhao nodded slightly. This idea was a good one, but it was of no 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 money. After all, the interest we offer is too high. 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 a member of the army lends an ordinary person 10,000 yuan, the profit will be only 10,000 yuan in one year based on the most popular current multiplier rate. If he lends an official 10,000 yuan to buy a house, even if he pays a monthly interest of 10,000 yuan,
Calculated in points, there is still a profit of a hundred dollars!
In addition, there is also 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 of interest? Ten years?"
Ma Tianhao almost stared out of his eyes. This must be a lunatic. He said angrily and funny: "Are you teasing me like a three-year-old child here? Can borrowing 10,000 guan and borrowing 1 guan 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?"<
/p>
Ma Tianhao nodded.
Zhang Fei went on to say: "Businessmen are 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: "Is there anything wrong with this? There is 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 thousand 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: "My previous method did take a long time and the interest rate was low, but I can guarantee that I will be able to borrow all the money from the outsiders 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? If you borrow a lot, the risks are naturally high. If you are not careful, you may lose everything."
"Forget 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 and the DPRK to reach an agreement. 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 said in surprise.
Zhang Fei said angrily: "This is all I have, okay."
Ma Tianhao was stunned and suddenly realized, as Zhang Fei said before, Zhang Fei's purpose was to help him avoid lawsuits. This is a legal issue. After going around 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 have misunderstood. I am not referring to your methods, but to the fact that the court is full of hostility towards you. How can you do it?"
Zhang Fei said: "You don't need 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 do it?"
And can you guarantee that after I lend the money, the court will not regret it?"
Zhang Fei was silent for a while and said: "May I ask Yuanwai, can you guarantee that the court will not find a reason to confiscate Yuanwai's property tomorrow?"
Ma Tianhao frowned and said nothing.
Zhang Fei added: "Today, the only thing that can protect members is the law. If members don't even believe in the law, who can protect their property from being misappropriated?
Secondly, I think that if you continue to blindly pursue wealth with your current wealth, 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 have long heard that your boy is not afraid of death. When I see you today, it is 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 it all with other officials."
Ma Tianhao smiled and nodded: "Then tell me how upright you are."
"Low interest rates."
"Low interest rate?"
"Yes!"
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." Stable, this shows 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 how much impact this will have on the entire industry.
By then, Yuanwai will become a banner, supported by many wise ministers in the court. This is the model of businessmen they want. So whoever wants to move to this banner in the future will mean that the court is more eager for the private sector to raise interest rates.
And this kind of scruples will also make employees worry-free."
Ma Tianhao's eyes flickered, he pondered for a long time, and suddenly said: "Officials owe me money, which may not be a good thing!"
Zhang Fei smiled and said: "Officials all owe Yuanwai money, 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 members outside the law.”
Ma Tianhao looked directly at Zhang Fei for a long time, then suddenly smiled and nodded and said: "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 sufficient 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."