For many real estate projects, developers only invest 20 to 40% of the funds. The entire industrial chain of general contractors, subcontractors, steel merchants, cement merchants, and engineering construction bears the remaining six to eight development costs.

Although there are regulations now that developers must have more than 35% of their own funds, in fact, many developers cannot do it at all. Some developers even ask builders to advance funds from foundation laying to pre-sale licenses.

stage.

In terms of real estate development, Huang Guomei has adopted a large number of the above methods. Xiao Huang's real estate company has owed a large amount of land and project payments, which means that Huang Guomei does not actually invest a lot of money in real estate projects. He mainly uses the construction company to make it difficult for him to invest in real estate projects.

Advance funds to achieve continuous expansion of your real estate business.

Huang Guomei borrowed eggs to hatch chickens, and her eating habits are so ugly, why are there anyone willing to advance money?

On the one hand, advancement has become a hidden rule in the real estate industry. If you do not have the ability to advance, it will be difficult for builders to pull projects. On the other hand, Huang Guomei's "wealth" is at its peak, and it will gradually impact the Hurun wealth list. Builders

They were all frightened by his reputation as the richest man, thinking that a small 300 million or 500 million is a drizzle for the richest man.

Huang Guomei was born in a rampant family and traveled around the world. She has seen businessmen from all over the world and has very accurate control over the mentality of most businessmen. Although when the quasi-rich man became the richest man in Hurun, he joked about this list when facing the media.

It is a pig killing list, but in fact he cares a lot about the title of the richest man. This title can add value to his investment and allow his businessmen to continue playing without domain.

Some people have a similar attitude in the process of working with him, thinking that Huang Guomei cannot have any financial problems, so they can cooperate with him with confidence. However, they do not know that Huang Guomei has actually planned to make plans long ago and is using these things.

People only focus on the narrowness of the external halo, and the sheep bells are trapped one by one.

...

After changing the tea leaves and brewing a pot of tea again, Nan Yi continued to introduce to Ai Jia what was not in the information she had read.

"In China, when the property is topped off, developers repay bank loans through sales and pay construction contractors for project payments. If the sales situation is not good, or the bank tightens mortgage loans, the developer's capital chain may face a break.

When this happens, some developers will take risks and use fake mortgages to defraud bank loans. The basic process is as follows: the developer asks relatives, friends or employees to buy the house they develop, and the developer is responsible for paying 20% ​​of the down payment and purchasing the house.

Those who do not have to pay money, they just need to make loans from the bank in their name;

In this way, the bank will give the remaining 80% of the house payment to the developer. The property rights of the house belong to the buyer, but when someone likes the house, they will be sold in the form of a second-hand house."

Ai Jia interrupted: "Dad, the way you said is that banks tighten mortgages. Why can developers still apply for mortgages? Is there anyone in the bank colluding with each other?"

Nan Yi smiled and said, "Of course this is the case. You have been internship in the Labor Bank since you were in college. You should be very clear about how our banks do risk control, and you should also be clearing the cleaning portal team under the bank security system."

Aiga nodded, "The cleanup of two traitors is my organization and coordination."

"I know, your way of regulating people is very creative." Nan Yi smiled knowingly, and felt cold again. He muttered to himself that this cheap daughter-in-law was very cruel and very smart.

Last year, a female employee in the Labor Bank was riled. Ai Jia entrusted the female employee with an important task and asked her to be responsible for the business of a region with a high incidence of rape cases. She was often so busy that she had to walk at night. Sure enough, the female employee had been in less than a month. Become a victim.

"Dad, do you think I'm too ruthless?" Aiga asked tentatively.

"I don't think it's hard for people to keep a clear mind. They will forget that their income exceeds the exchange value standard generally recognized by society. If we give more, we still cannot get their loyalty. Instead, we gain more by betraying our interests. To us, they are enemies, and they do not need to be kind to them when dealing with enemies, especially those from within."

Nan Yi waved his hand, "Okay, don't worry about this, let's continue. Huang Guomei used various legal or illegal means to make the Xiaohuang Group extremely expand within ten years. Now the total assets of the Xiaohuang Group are About 20 billion.

The Xiaohuang series mainly includes three major parts: electrical appliance retail, real estate and investment. Before Guangyu Electric Appliance went public, its basic business electrical appliance retail profitability was not ideal because it often did not cost promotions, because it was more than 5 billion yuan per year. Wage expenses.

After listing, its profitability did not improve. It only used the funds raised from listing to expand vigorously, causing the turnover to soar, and thus drove the stock price to soar."

"Dad, after Guangyu Electric Appliances went public, Huang Guomei has cashed out several times, with a total amount of nearly HK$10 billion. The whereabouts of this fund are not mentioned in the information."

"The information was not mentioned because we did not get accurate and reliable data. We only knew that most of the funds returned to the mainland through underground channels and flowed to the capital market, real estate market and used to acquire home appliance retail companies. They were acquired in the name of other hidden companies. Then after operation, it was sold to Guangyu Electric Appliances, and the price difference between the left hand and the right hand.

Huang Guomei has harmed the interests of shareholders, including ours. This is the most important reason why you will be called by me. The secondary reason is that the boss of Jingxi Yigo asked me for help. He and I were once partners. Although the relationship is not that close now, I still want to help him, but it is a fee to provide help."

"Dad, my task is to provide help to Jingxi Yigo and double the losses we have recovered?"

"Not all, you only need to be responsible for part of the work. Tomorrow, you can first meet the boss of Jingxi Yigou, get in touch, and spend a few days to learn about Jingxi Yigou. Next Monday, we will meet in Xiangwu. .The code name of this action, 'Justice, 555'."
Chapter completed!