The Richest Man Starts From Falling In Love

Chapter 91: Capital operation

　　 "Mr. Han?"

　　 Chu Yao's eyes lit up slightly and a smile appeared.

　　 I didn't expect to see Han Feng here.

　　 Chu Yao quickly thought of a possibility.

　　 Han Feng is an executive of Donghai Bank. A company as large as Qiongdao Airlines Group must have inextricably linked with various banks.

　　 It's just, it still doesn't make sense.

　　 Han Feng belongs to the Pengcheng Sub-branch. Even if he has business connections, he won’t be able to come here, right?

　　 The people at the local branch are dead?

　　 "Talk for a while?"

　　 Han Feng said with a smile, and made an inviting gesture.

　　 Chu Yao nodded immediately, followed him to find a quiet table, Jiang Lingyun was very witty and poured tea for the two of them.

　　 "Why is President Han here?"

　　 Chu Yao asked with a smile.

　　 Han Feng sighed slightly and helped his glasses, looking a little helpless.

　　 "A general at the headquarters, I also came here at noon."

　　 He lowered his voice for a few minutes, and continued: "The local leader has something wrong and has been investigated. I am a temporary commissioner and come to clean up the stall."

　　 Hearing this, Chu Yao's heart suddenly became clear.

　　 After thinking for a while, he smiled and asked, "Donghai Bank does business with Qionghang?"

　　 When it comes to this, Han Feng's expression becomes even more bitter.

　　 "Either say that my life is hard?"

"We are one of the creditors. Before, we gave a credit line of 5 billion. We used 3.5 billion and paid back 1.7 billion. The total amount of principal and interest left was nearly 2 billion. The default was almost half a year. ."

　　 "There is a collateral. It is a commercial office building, and the location is still in Pengcheng. However, the relationship here was hard before, and the face was great, and it has not been through the formal channels. Now it is reorganized and the formal procedures are required to thaw."

　　 "I'll take care of this mess now, but how can I wipe this butt? To be honest, I'm so worried."

　　He is honest.

　　Because of not only the financial and business relationship with Chu Yao, but also the personal relationship with Jiang Zhenhua.

　　 Of course, there are other considerations.

　　 The mess here, you need to find a picker.

　　What's the use of bank demand?

　　 In the end, it is necessary to realize cash and withdraw funds.

　　 If you want to withdraw funds, you need to find someone to take the order.

　　Who will take the order?

　　 Naturally, whoever has the money will take the order.

　　 Nearly two billion discs, who can handle it?

　　Who is rich?

　　 Chu Yao...very rich.

　　 It may not be as much as 2 billion, but funds are leveraged.

　　 Chu Yao has at least 100 million principal.

　　 One hundred million in principal, if you are bold and operate well, it is not difficult to be able to leverage five to ten times the leverage.

　　 It may not be certain that Chu Yao would be interested in this, but it is not a bad thing to give it a try.

　　 What if there is a show?

to be honest.

　　 Chu Yao really didn't realize that Han Feng thought so much at this moment.

　　 is mainly because of information asymmetry. He knows more than himself.

　　 Chu Yao's attention at the moment is a bit attracted by this business office building.

　　Real estate is undoubtedly a high-quality asset.

　　 Especially office buildings.

　　 As long as the location is good and the operation is good, it means lying down and making money, which is better than collecting rent.

　　 "What kind of building is it?"

　　 Chu Yao asked nonchalantly.

　　 Han Feng smiled and glanced at him.

　　 "Talk to another place?"

"become."

　　 Chu Yao immediately got up.

　　……

　　 half an hour later.

　　 The bathing center of the hotel.

　　In the separate hot tub, the two met frankly.

　　 The mist is steaming and it is very relaxing.

　　 "The Ruixin Building, used to be the land of Qionghang, was taken early and the land price was extremely low. Later, it was developed into an office building with 27 floors. It has not been sold but only rented. The annual rental income is about 50 million."

　　 "The valuation is around 2 billion. They account for 100% of the property rights and operate as independent subsidiaries."

　　 "In fact, this is a high-quality asset. It should be put in the past few years and it is easy to realize it. But now, banks are tightly locked up and large real estate companies are reducing debt. For a while, it is really difficult to find someone to take over."

　　 Han Feng looked into Chu Yao's eyes and said in a deep voice.

　　 "Then what do you plan to do now?"

　　 Chu Yao asked.

　　 I haven't exposed my needs for the time being.

　　 Han Feng took a sip of water and continued:

　　 "The requirement of the headquarters is to realize quickly and return the funds as soon as possible. Although this building is worth two billion, there is one billion, or even seven or eight billion, that can be moved."

　　 "The down payment is half, or even 40%, and the remaining part is insufficient, and then our bank will issue a loan in the form of a mortgage loan, and then repay the principal and interest on schedule."

　　 "In this way, the bad debts will be eliminated, and Qionghang will have nothing to do with Qionghang, and the assets will be put to life."

　　 "I have not only returned the funds, but also issued loans, which is still considered a performance."

　　 Chu Yao:...

　　 There is this kind of operation?

　　 I've seen it.

　　 Really gained knowledge.

　　 The bank lends money to a third person to buy the bank's own building?

　　 sounds a bit unreasonable.

　　 But this is capital operation.

　　 and very common.

　　 Capital is not afraid of not enough, if not enough, there is leverage.

　　The most feared thing is to get stuck, get stuck, and the capital chain will collapse.

　　 As long as it can flow, it is a good game.

　　 Seeing Chu Yao's silence, he was probably weighing and thinking, Han Feng did not urge, stretched his limbs, soaked in the hot water, and let out a comfortable moan.

　　 didn't wait long.

　　 He waited until Chu Yao's reply.

　　 "Brother Han, take me to play this game?"

　　 Chu Yao said very politely.

　　 And Han Feng sat up straight, and waved his hand with a smile: "Don't dare to say that, if you want to come, it's your help. Of course I can't ask for it."

　　 Chu Yao also smiled.

　　 I decided to invest in this project, mainly based on four considerations.

　　First, I currently have money on hand, more than 700 million. Although it is almost a bit, it is just right to move this 2 billion building~www.wuxiahere.com~.

　　 It doesn't matter whether it is a bank loan or a cash rebate.

　　Second, Han Feng is at least partly trustworthy.

　　With Jiang Zhenhua's relationship, it is much stronger than strangers.

　　 If you can really make this, the relationship between yourself and Donghai Bank will definitely be one step closer, even more deeply bound.

　　 Third, Pengcheng is at least a first-tier city, and the real estate is still quite valuable.

　　Moreover, real estate investment is also simple, not that complicated, and it is just right for you at this stage.

　　 Fourth, office buildings, not houses, can be used in a wide range in the future.

　　 Whether it is used as an office area after setting up a company, or as an incubator to accommodate other companies, it is a good choice.

　　 "Brother Chu, how much money can I spend?"

　　 After confirming that his eyes are someone who can cooperate, Han Feng asked directly.

　　 Chu Yao, if the money is not enough, then bring in a few more people.

　　 Anyway, it is now to find out and negotiate with each other.