Chapter 999： The beginning of a tense game

Wednesday, October 7.

This morning, 15 banks in Xiangjiang, headed by HSBC, jointly announced that the bank's best interest rate will be raised to 20%.

At the same time, the interest rate on mortgage loans, which is closely related to residents, has increased by 1% to 21%!

This is the highest interest rate in the banking industry since the opening of Xiangjiang Port! !

Even during the real estate frenzy seven or eight years ago, I have never seen such a high loan interest rate.

If this is said to make everyone feel unworthy, then you can compare the loan interest rate of Xiangjiang three years ago, which was the year when Yin Jun came to Xiangjiang.

That year, Xiangjiang's real estate has not yet started, and it is still slowly recovering.

Therefore, the average preferential loan interest rate of Xiangjiang this year was only 6.68%, and the mortgage interest rate for housing purchase was slightly higher at 10.62%.

Such a comparison.

In just three years, the minimum interest has doubled, and ordinary loans have increased to about three times the original! !

What kind of pressure is this?

If you want a loan to do business, you have to cry to death!

If they started loans three years ago, according to the current interest rate, it is equivalent to a loan that has been spent in vain for several years.

This is certainly a good thing.

The problem is that if they want a loan now, it is equivalent to three times the interest of the loan three years ago! Interest payments are scary!

The problems of businessmen are not so extensive. After all, there are 6 million people in Xiangjiang, and there are only hundreds of thousands of businessmen. Businessmen who need loans may be only half of them.

Ordinary people are different.

Buying a house is a matter for almost every household, but everyone basically has no money. Only a loan can buy hundreds of thousands or even millions of houses.

Well now, the interest has doubled, and every month will directly spend hundreds or even two or three thousand more income, who can afford it?

When a family gritts their teeth and wants to buy a house, in fact many factors will affect their final decision.

For example, this doubles the interest every month, which will make them tense nerves and immediately break up, and there is no way to find the courage before.

So for a time, many people who saw housing prices skyrocketing and wanted to borrow money to buy a house immediately seemed to be pouring cold water on their heads, and their minds became sober.

Should the house be bought now?

Can the house borrow so much and then have the ability to repay?

Does the house sacrifice everything that must be bought?

If I buy a house, will I be able to live well?

Without buying a house, is there really no way to continue life?

...

Such ideas echoed in the hearts of many people.

In response to this "dangerous" idea, Xiangjiang's real estate business immediately responded as quickly as possible.

On the morning of the 7th, HSBC Bank and others announced this decision. In the afternoon, more than 20 newspapers, such as the supplementary "Kirin Daily" and "The Pear", successively published a series of declarations from Xiangjiang real estate companies.

"The company is very supportive of the bank's decision to respond to the situation, but in order to meet the rising demand for housing, the financial company under the company will provide interest subsidies for each house buyer, up to 10%!" ——Chinachem Group.

"The development of the New World has always prioritized the interests of the citizens. In the current situation of rising interest rates, we are willing to worry about the anxiety of the citizens and subsidize the interest of the buyers on the purchase money, so that the citizens can enjoy the most preferential Of interest! "

"Don't worry about the high interest of the bank! Everything has Great Eagle Real Estate! For details, please consult xxxxxxx"

"Let every home buyer get the due respect! Sun Hung Kai promises that the actual loan interest paid by each home buyer will not rise for a cent!"

"Henglong Group has launched various discounts for the 5-year, 10-year and 20-year loan interest subsidies for home buyers, and you will be pleasantly surprised when you call!"

"..."

Well, locality means great benefits.

In less than half a day, smart real estate developers immediately gave positive response measures, which is absolutely invisible in China.

Many citizens had already refused to buy a house, but they were so agitated by them, and many people's hearts were active again.

no way.

Nor can they blame them for the night and night, but the magic of the house. For Chinese people, it is definitely the most worrying thing.

So, from the afternoon to the evening, the real estate sales departments of the major real estate companies were full of people.

Everyone is asking if this kind of discount is true. After I bought the house, how do you return the interest to me ... Wait, let every property consultant be too busy.

But the effect is also amazing.

On the 7th half of the day alone, the number of home purchase agreements signed reached the total of all houses sold in the first six days of October!

Banks such as HSBC were stunned in the face of loan applications.

They didn't expect such high interest rates, and the public can still buy a house regardless of this.

Although there are subsidies from real estate companies, are you really not afraid of raising loan interest further?

No matter how high ...

I'm afraid it's not just the bank's action, the Chief Secretary and the Financial Secretary will definitely give a heavy hand, and vigorously suppress this crazy behavior.

...

Standing on the top floor of the manor, Yin Jun looked down at the hill full of lights.

The layout of the mansion on the top of Taiping Mountain is very characteristic. No house will be blocked by another house, and everyone can see the scenery under the mountain.

This domineering view of the ground greatly satisfied the psychology of the rich, so this is also an important reason why Taipingshan's house is the most expensive in Xiangjiang, and there is no one.

It was already 9 o'clock in the evening. Although the night view of Xiangjiang has not become as shining as "one of the four night views of the world" 20 years later, in this era, it is already a very prosperous performance.

Yin Jun can still see it at this time. There are still a lot of construction sites in the urban area under the mountain, which are busy working.

The Xiangjiang people have many shortcomings, but they can work hard and work harder. At this point in time, they still outperform those from the mainland.

Li Chao talent just called Yin Jun.

Since last year, Changjiang Industry has consciously reduced the development of mid- and long-term real estate. This year, there is no new construction of a real estate. Now there are about 15 real estates in the hand, and the number of households is not large. However, more than 1,200 sets belong to the top ten real estate companies in Xiangjiang, with the least number of houses launched.

Many people don't understand Li Chaoren's approach. He thinks that after he got the Hutchison Whampoa, he was already content and lost his aggressiveness. He just wanted to keep to his achievements.

Only Li Chao understands that he is not timid at all, but is frightened by this crazy house price, and feels that it will collapse sooner or later. The crash must be an avalanche, so he must stabilize it and keep it from coming. Remember Huangpu, to give yourself the ability to continue to develop after the crash.

Therefore, Li Chaoren didn't pay attention to the crazy profits generated in these months.

Compared with the next few years and more than ten years of comprehensive development, this proportion of profits is still too small and too small.

He didn't know how to dance on the tip of the knife like Yin Jun, so accurate, so he would rather give up the uncertain interests now, even if these interests seem too tempting.

Li Chaoren is good.

He is not greedy.

It is difficult for a person who is not greedy to suffer a loss while doing business.

Most of the rich people's final collapse was due to their greed and greed.

And those rich people who live to the end are all cautious and down-to-earth business people.

You can say that they are old-fashioned and old-fashioned, and missed the best opportunity to make money in the Internet age.

But why don't you think about it, if they see the Internet company and invest, then by 2020, can they still have assets of two or three billion dollars?

For the first time when the Internet broke out in 1999-2000, your big family would have to lose money. What is tens of billions? Hundreds of billions have disappeared in an instant.

In Silicon Valley, you feel that miracles have come out a lot. What GOOGLE, what Facebook, Twitter, Uber, INS, burn after reading ... It seems that if you vote for one, you earn one ~ www.novelhall.com ~, right?

But if you are told that on average, more than one hundred ideas come out in Silicon Valley every day, and more than 30 companies close down every day, do you still think that Silicon Valley's venture capital is doing well?

In fact, everyone's eyes are only seeing these successful companies, while ignoring that they stand on countless losers.

If the rich people of Xiangjiang get together to invest in Silicon Valley, no amount of money will be enough.

Therefore, everyone is similar to Li Chaoren, since I do n’t understand things in this regard, I will not do it. Everything will proceed steadily as before.

This is the wisdom of the Chinese, but it is not just the wisdom of the Chinese. Many centuries-old stores in Europe and America do this.

Including Wal-Mart, including the public, including Chanel ... and so on.

Thoughts drifted away.

Yin Jun slowly withdrew his thoughts and put his mind in the moment.

From now on, I am afraid it is another game.

Although Cheung Kong Group did not go deep into it, but once this involves the interests of all real estate developers, Li Chaoren will definitely follow them, regardless of whether this is against the Hong Kong government.

Xiang Jiangzheng and the real estate business are inseparable from anyone, but they all want to hold the other person firmly and let them go to the next step according to their own wishes.

Their battle is not a big deal. The key is that the people underneath face a fierce turbulence game, but it is really a bit difficult!

Now the embarrassment, after nearly a year, it is not as simple as embarrassment.

An unprecedented catastrophe is about to sweep the entire Xiangjiang River! !

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