Chapter 4673

They refuse to offer loans? Lin Feng pondered this sentence.

It is not impossible for the four major banks to refuse loans. Their shamelessness is well known. It is not impossible for them to make a real decision not to provide housing loans to the whole country.

"Mr. Lin, if the four major banks break their mortgage, how can people buy houses?" Wang Jianlin asked.

"I have two proposals!" Lin Feng stretched out two fingers.

"Which two?" There was a glimmer of expectation in Wang Jianlin's eyes. He thought about it for a long time, but it didn't work out. It's a very serious problem that the four major banks cut off their confessions. He is the only way to solve it.

"First, we should cooperate with foreign banks to provide mortgage guarantee for the public. I believe foreign banks are very interested. " Lin Feng said with a smile, "after all, it's lying down to make money. Moreover, China's cut-off rate can be regarded as the lowest in the world. As long as people buy a house, basically, they will insist on paying off the house loan. It can be said that there is no risk at all. In the past, foreign banks had no chance to come in, but now I can give them a chance. They provide funds, we provide platforms, and we share half of the profits! "

Wang Jianlin thought about it, this is really a way. Before that, foreign banks naturally talked to the four major banks. But it's very simple. Will the big four agree to let it go and share the profits with others? It's obviously not going to work. But Lin Feng's "China United Commercial Bank" is no problem. Now that the banks are short of money and the four major banks do not provide loans, it makes sense to look for foreign capital.

Although there may be a little bit of opinions from the state, it is useless to have opinions on this matter. If you don't get loans or give money, you can't stop selling houses. People can't stop buying houses. So, basically speaking, if Lin Feng is going to push it, there will be no problem.

"What about the other? I think maybe this is the one you're more optimistic about. " Wang Jianlin asked.

He has studied Lin Feng. Without research and understanding, he can't go to cooperate with Lin Feng rashly. After all, Wanda is also his painstaking efforts, hard to create, he can not do without any preliminary investigation, Wanda to compensate in. As far as his understanding of Lin Feng is concerned, Lin Feng always says the most satisfactory answer in his heart.

"Ha ha, Mr. Wang, you really know me. My second suggestion is that you real estate enterprises should provide loans directly! " Lin Feng said with a smile, "after you repair your house, you will directly negotiate with all the residents to provide housing loans. Every month, all households will pay the mortgage directly into your account. That's another income. The only trouble is your cash flow. "

"It's not just about cash flow, it's about eligibility. We don't have that qualification. We are not banks! " Wang Jianlin said with a frown.

"Ha ha, it's very simple. Our "China United Commercial Bank" can provide a platform for your funds to go from our "China United Commercial Bank" account. That's fine, isn't it? " Lin Feng laughs.

If so, there will be no problem in terms of qualification. In this way, as a real estate enterprise, the profit has increased. This land price does not fall, house prices fall profit problem, basically solved. After all, the interest of housing loan is really a big profit.

But that's the problem. That's the money. They have no money. At present, it is difficult to raise funds, and the funds they have on hand are barely enough to run. If the housing loan is provided by them again, although they earn money every month, the money is not enough for them to continue to develop other real estate. This needs to wait for a period of time. Only after the funds are returned can the development be continued. So the period is too long. Although more profitable, but the cycle is too long, the profit per unit time will decline. In the long run, it's a good thing, but in the short run, the decline in profits is too obvious.

Lin Feng laughs.

"It's easy to say in terms of funds. You repair the building first. As for the capital, when the end of the year comes, our bank will slow down. Then, we can get a loan! " Lin Feng smiles.

At the end of the year, the financial crisis broke out completely. At that time, I would be rich. At that time, we will transfer part of the money to the bank, provide bank loans, and collect a little interest. It can be said that everyone is happy.

end of the year?! Wang Jianlin frowned. There will be funds at the end of the year. This is not a little bit. Where does Lin Feng's capital come from? His company can't make so much money in a short time. If Lin Feng listed the company, it could raise most of the funds, but not so much. After all, the most profitable company under Lin Feng is phantom technology, which is also a cash cow. If it goes public, its market value will exceed 100 billion US dollars. But the difference is more than 10 trillion yuan, hundreds of billions of dollars. Where does Lin Feng get so much money?

However, since Lin Feng admits that he has money, there is naturally a channel for him to talk about it.

"I'll see. I will start the comprehensive construction of the real estate as soon as possible! " Wang Jianlin promised.

"By the way, Mr. Lin, I have another question. I'm curious. If you can say it, just say it. If you can't say it, just forget it."

Lin Feng shrugged and motioned to Wang Jianlin to ask. He believed that Wang Jianlin would not ask anything too outrageous. After all, he's not as young as he is, and he doesn't ask questions. He was very clear about what questions to ask and what not to ask. Since he wants to ask, it means that he should be able to answer this question.

"It's the small and medium-sized real estate developers. Now they have demolished their houses. What do they do? Where are you going to raise money from Wang Jianlin asked the topic again.

Just now, we talked about the refusal of the four major banks to lend to ordinary people, which is a long way off. However, this issue is of great concern to Wang Jianlin.

"Ha ha, of course, I'm looking for someone to borrow it. People's money is basically empty. But the big four still have money. However, most of the money they have now is the money of the rich. Now I'm going to rob them of their money from the big four! " Lin Feng said with a smile, "these people have so much money, but they don't have good investment channels. Now I will give them an investment channel."

Wang Jianlin nodded. I'm afraid these people are mainly mining owners and engineering owners. They have a lot of money. It's all money made by exploiting the country's loopholes. It's easy to get money, but because of this, they can't continue to make money. Lin Feng provides them with an investment direction, which is really suitable for Lin Feng's appeal. In fact, before Lin Feng launched the "wind god wind investment fund", these people are very excited. However, Lin Feng announced that only 100000. This is enough for the common people. But for the rich, it's a drop in the bucket. These people don't pay attention at all. The interest rate is too low.

It's really reasonable for Lin Feng to take a fancy to their money.

"Then I'll go!" Wang Jianlin got up and said goodbye.

the second day!

At the same time, Wanda, Vanke, Evergrande and country garden announced that they would rebuild the real estate in the near future. They would rebuild the real estate built in strict accordance with the white paper on China's housing quality. The price is a cut price, which is basically acceptable to all the people.

As for the basic reason, the reason is simple. People always hope that house prices will become cheaper and cheaper, but this is obviously impossible. After all, the house price is free, and the common people may want to give them a discount. Therefore, this kind of cut price can only be said to basically satisfy the people. It's impossible to make them completely satisfied. After all, it's a human evil, greed.

The stock market is the best market to expose the original sin of human greed. The stocks you buy have gone up, and you hope to go up more. The more the better. There are always a few stocks that can be sold rationally. When you buy stocks, you always want to fall more and let you buy them.

Four real estate companies announced at the same time, which naturally caused hot discussion in the market. Originally, the market has always had a price but no market. Therefore, in the second-hand housing market, has been high. Now the four real estate companies announced the construction of new properties, and are selling at the current cut price, which is undoubtedly a heavy blow to the second-hand housing market. This new property is only so much money, your second-hand house is so expensive, will I buy it?

"It's impossible. How can they make money selling like this?" Those second-hand housing agents are all out of their wits, shocked incomparable.

Before that, it was said that many second-hand homeowners sold a lot of real estate at a discount (a little lower than the market price at that time) when the house price fell sharply, and many intermediaries bought it privately. They thought that the house price would never fall to this level. If the land price does not fall, how can the house price fall. No matter how good Lin Feng is, it won't work. And this time, the news they got from various sources was that Lin Feng might not be able to carry it. After all, there are some things that Lin Feng can't do whatever he wants. Especially now that the state has promulgated the national standardization of the white paper on China's housing quality, the housing cost will be even higher. It's good not to raise the price. Do you want to lower the price? Is it possible!

So these real estate agents took the house. As a result, as soon as they got the house, the four major private enterprises announced that they would build the real estate at the price of cutting the house price by half at the same time. Now that the real estate enterprises have entered the zero profit period, they will sell the real estate ahead of time, and they have launched the private customization! Services.

Personal tailor? As soon as the news came out, it made everyone curious. How to customize the building? That is, all real estate will be launched decorated hardcover buildings. However, compared with the fine decoration projects on the market, the private customized fine decoration projects of the four major real estate enterprises will be selected by the buyers according to their own ability. After the negotiation, when the house is built, the wires, water pipes and other facilities will be laid in advance, which will provide "original factory" services for all households.

This "private customization" surprised everyone. No one thought that the four housing enterprises will suddenly enter the decoration market. This is beyond everyone's expectation. This is the first time, the original decoration company is scolding, have denounced this is the real estate enterprises in the bundling, is a disguised price rise, this is a means of wool out of the sheep.

No way, decoration companies do not scold, they have no profit space. If all the real estate enterprises will launch hardbound houses in the future, will these decoration companies survive? We can't really rely on "micro home decoration" to survive in the future! That way, the profit is too thin, although still making money, but no new house decoration to make money ah. Before that, decoration was just like collecting money.

Later, Lin Feng launched a "micro home decoration". Although he still made money, it was not as easy as before. Moreover, due to the involvement of dingdang.com, which involves a problem of after-sales service, they are forced to improve the quality of service and dare not make fake in decoration materials (to be exact, the cost of making fake increases), which makes them very unhappy to make money. They are waiting for Lin Feng to open the real estate market and make a lot of money.

Before that, they clapped their hands when they heard that house prices were falling. It can be said that they are absolutely the biggest supporters of falling house prices. Because the house price has fallen, people have more money in their hands. At that time, people will be able to spend more money on decoration.

So, they are all waiting for the big time. As a result, the four major real estate enterprises are now fully implementing "private customization" and are doing the decoration work. It also proposes that at the beginning of building a house, buyers will sign a contract with the real estate enterprise, and sign a decoration contract to make a private order. How can they survive in this way?

So, they are against it. And spared no effort to pour dirty water on the four housing enterprises, denouncing them for raising house prices in disguised form. And for home buyers, they are afraid of the decoration market. Because the decoration company is very black, it is well known. Anyway, if you pay 100000 yuan for decoration, the decoration company will make 20000 yuan for you. That's less. It's normal to meet more people and earn you 30000 or 40000 yuan. Black hearted, shoddy, fish and dragon mixed bead, earn you 50 or 60 thousand, all possible.

Therefore, many people prefer to be a little tired and have to decorate themselves. Although the total price may not be less than how much, but at least with their own materials at ease. This is the most fundamental reason why many people do not choose decoration companies.

Now, the real estate enterprises are also involved in the decoration market, which is even worse for the buyers. Although the real estate enterprises discount the house prices, the buyers will be counted on Lin Feng. They recognize Lin Feng. These real estate companies are not recognized. Without Lin Feng, will these real estate companies reduce their prices. Now, they are openly reducing the price, but they are secretly introducing all types of houses into hardbound houses. Under the banner of private customization, you say, this is not to make money with a black heart. So, they don't fall for it!

Never let real estate enterprises make money again! Boycott "private customization", boycott black heart real estate enterprises! People are shouting.

This scene makes all decoration companies happy. As for Wanda, Vanke, Evergrande and country garden, it's a bit depressing.