Chapter 522: Free things are the most expensive

"But...this is Zheng Ce." Pei Qianlong couldn't figure it out.
Others are racking their brains to take advantage, and some even enter the industry to take advantage of it. Why do you have such a high level of ideological awareness when you get to Lin President.
"Old Pei, have you ever heard a sentence, free things are the most expensive." Lin Dongfu thought of this sentence inexplicably in his mind.
Pei Qianlong was lost in thought, he seemed to understand what the boss meant.
"Mr. Lin, I'll talk about it again."
The people being talked to are dumbfounded, and they have never encountered something like this.
The bank.
The capital was still cold in February, and the manager was already sweating.
"Mr. Wang, does your bank have low-interest loans for companies like ours? If it is not, we can also accept an annual interest rate of 6%." Pei Qianlong first rejected the interest-free loans, and then began to bargain over interest.
At present, China Xia’s loan benchmark interest rate is uniform. The term is 5.31%. Banks can float down 30% and float up 50%. Local banks can float down 50% and float up 70%. Banks have financial discount loans, that is, interest. Subsidized by the state finance, there are full subsidies and partial subsidies.
This is the so-called low-interest loan.
6% is no longer a low-interest loan.
Twenty billion can be loaned out at will, as long as you can mortgage enough effective assets.
For example, mortgage the 800 acres of land, mortgage the income of Miao Miao game in the next few years, or even directly mortgage Miao Ya live broadcast.
Neurosis, Nima!
Manager Wang is not an ordinary bank manager. If the amount involved is not too large, he does not need to come forward at all.
He thought it was something that could be done easily, but he didn't expect the person involved to refuse it.
Why do you refuse.
Can you tell me the reason, I don't want to communicate with neuropathy.
Go back to the emergency department of your sixth hospital.
"Even if the annual interest rate is only 6%, there will be an interest of 1.2 billion in a year of 20 billion, do you still have money to develop?" Manager Wang is not a fuel-efficient lamp, and started to work hard to convince Pei Qianlong.
Come on...
Half an hour later, Pei Qianlong was also a little anxious: "Mr. Wang, we really don't need an interest-free loan, you just need to give a low interest rate."
There is also a limit to supporting the chip industry.
How can this President Wang say that I have 20 billion, I must spend it silly and lack of temperament.
"1.28%, what do you think?" Manager Wang really couldn't help but gave a number that he had manipulated before.
In the past, an environmental protection company with a state-owned enterprise background applied for a low-interest loan of 400 million yuan in order to introduce a batch of new equipment. In the end, it was often evaluated and opened up to an annual interest rate of 1.28%.
If the loan is 20 billion, the interest that needs to be settled every year is 256 million.
"Yes." Pei Qianlong was overjoyed, the interest rate was much better than the 6% he expected.
It's not free anymore.
"Will the five-year period be too short, or ten years?" Manager Wang must consider the impact of his interest-free loan not being loaned out on him. Such trivial things can't be done. How does the leader think about himself?
Based on his speculation on this matter, it is that the upper hand must strongly support it.
Since I have not been able to loan out interest-free, it is always okay for me to extend the term.
This is indeed a bit self-assertive, but for those who never do so, in their system, there is no further possibility.
Pei Qianlong thought for a while, and President Lin didn't seem to say anything about the number of years, so it wasn't free. We paid interest and it wasn't considered as taking advantage of Guo Jia, so he hesitated and agreed.
Manager Wang breathed a sigh of relief.
"You Kleist rarely involves financial services. You have been seeing each other too late. Mr. Pei is young and promising. If you don't think my old man is out of date, why not have a meal together."
"Haha, Mr. Wang, you don't seem to be in your early forties. I am young and promising in front of you. I have arranged the place to eat. Let's go now."
Pei Qianlong certainly would not refuse.
People's banks don't mean that they don't care if they give you the money.
Otherwise, what do you do if you mess around? So theoretically there is a supervision mechanism.
This mechanism is generally not activated, but in case.
So there is no harm in having a good relationship with the bank.
The two quickly became friends.
Kleist also received a 20 billion low-interest loan in a very short period of time. The loan approval process is fast, comparable to Lin Dong's investment in film and television dramas.
Then Pei Qianlong went to discuss the price of that piece of land.
He took a few experts from the chip division to see it, and it was indeed very suitable for building a fab.
The estimated area given above is 432 mu, but the actual area used can even reach about 500 mu. If you add the hills on both sides-it is cheaper to buy this, and the actual area may be thousands of mu.
This L-shaped mountain is very gentle, and it is possible to build a research and development base on it.
Generally speaking, this place can completely put down the chip division of Kleist, even if it develops and expands in the future, it is more than enough.
There have been some twists and turns in the land negotiations.
After all, if the land is granted, this land is still Guo Jia, which limits your use.
In theory, you cannot keep this land for other purposes, and you cannot transfer it.
But if it is bought, there are not so many restrictions.
In fact, no matter whether it is land grant or purchase, it does not constitute a transfer of ownership. Only the right to use is transferred. Our Guojia land is state-owned, and no collective or individual is allowed to buy or sell it.
If you refuse the bank's interest-free loan, it looks like a foolish act.
Refusing to grant land and requesting land purchase ~EbookFREE.me~ is unavoidable. However, when Crest's funds are in place, the design sketches are good, and the construction unit has even negotiated, it seems that there is no Reasons to suspect they want to buy land at low prices and resell them.
Besides, Kleist's reputation on the top has always been very good.
In the end, 432 acres of flat land was sold at a unit price of 8,000, and 620 acres of mountain land was sold at a unit price of 2500. The flat land was qualitatively used as commercial land, and the mountain was used for commercial and residential purposes, but the service life was 50 years.
The total price is 3.3 billion.
Don't think 3.3 billion is a lot.
Kleist bought the eight hundred acres of land and spent RMB 4 billion.
At that time, the land price of this piece of land was underestimated, and several large landed real estate developers fled one after another, and they couldn't find the picker.
And now.
During the five-year sideways period from 2010 to 2015, housing prices across the country remained basically unchanged, speculation disappeared, inventory kept increasing, real estate investment growth slowed significantly, and real estate sales area and sales fell year-on-year. Declining profits in the real estate industry, slowing turnover, and stalling growth in scale have all begun to appear together, and real estate companies have all experienced difficult operating conditions.
The market's pessimistic expectations for the real estate industry are also increasing.
Until the end of 2015, "destocking" began to stimulate real estate, and housing prices in first- and second-tier cities had skyrocketed.
At the same time, the major stock market crash in the summer of 2015 caused most of the stock market funds to be trapped in the ocean, and the funds that came out of the stock market crash and other idle funds could not find a "place" for investment in the country for a while. The entire market lacks high-quality assets that can be invested, leading to large-scale low-cost funds entering the real estate market through asset management companies and fund companies.
Under multiple stimuli, real estate companies from all over the world have also begun to pay high prices, constantly refreshing the transaction prices of the land king.