Rebirth 1990: I have three golden fingers

Fang Bai returned to the mall and called Ye Fan back.

Ye Fan asked Fang Bai if he was at the mall and wanted to meet and chat.

"What's going on? It's so mysterious."

Fang Bai waited for about ten minutes. President Ye arrived and asked him to come to the office.

At this time, there were only the two of them in the office, plus Fang Shi, and no outsiders.

"Mr. Fang, Boss Fang, it's like this. I see that you have been busy these past two days and have no time to talk about the loan.

In the past two days, after I described the situation of Xinghai Company to the Wencheng Head Office and applied, the credit loan limit of Xinghai Company can be increased to 20 million yuan.

If the Xinghai shopping mall expansion is put into use and operates well, the loan limit can be continued to be increased. "Ye Fan said with a smile, while observing Fang Bai who was able to make decisions.

Xinghai Company has more than 10 million in cash deposited in their branch. It has not been used yet and will probably be used to invest in Xinghai Plaza soon.

After the lottery, the whole city of Xinghai Plaza knows that the land purchased by Xinghai Company has appreciated in value. If Xinghai Plaza is completed and does not require much publicity, everyone in Wenzhou will know that this comprehensive shopping mall has a bright future.

In addition, the business of Xinghai Shopping Mall is getting better and better. The monthly revenue is estimated to reach 2 million yuan, and the profit should be no less than 500,000 yuan. It is not a problem to pay back several million yuan in interest a year.

In addition, Xinghai Company proactively pays taxes, has integrity, has a good relationship with the county, and has a good background.

Therefore, after investigation, inspection and analysis, the head office agreed to increase the credit loan of Xinghai Company to 20 million yuan, and the loan interest can also be discounted.

Fang Bai touched President Ye and used detection on him without hesitation, and quickly figured out why the company was able to increase the quota.

Of course he needs a loan, and if he has money, he can enclose more land.

After a moment of silence, he frowned: "We are not short of cash at the moment, and your loan interest is too high."

Ye Fan persuaded: "It's like this. After the year, all banks have adjusted their base interest rates. Currently, two-year time deposits are lower than before. Your credit loan limit is relatively high. If the loan is less than five million, the two-year term The annual interest rate is only 14.15%, but if the loan amount is 20 million, the risk is higher after all, so we can only give a discount of 14.3%."

Fang Bai learned from Ye Fan's information that the bank had adjusted its base interest rate again.

He took out a loan of 2 million yuan at the beginning of the year, and the annual interest for two years was as high as 15.8%.

Only one month has passed, and it has already dropped by two points. The fluctuation is really huge. If it were in future generations, it would never have been adjusted by such a large margin.

In the next two to three years, bank benchmark interest rates will fluctuate greatly.

If the loan interest is 14.3%, Fang Bai is acceptable in this era.

"Okay, I'll discuss with my parents first about how much money is needed, and I'll give you an answer tomorrow." Fang Bai thought for a while and replied.

Xinghai Company needs a bank loan, but it’s not convenient to ask over the phone.

Ye Fan said with a smile: "Okay, I won't bother you anymore. If you have anything, call me and I will bring someone to your door to handle it."

In the past, people would come to their door to ask for loans, but now he has to come to his door. There is nothing he can do. Who can call him a super big customer? This is the only one in the whole Wencheng.

After Mr. Ye left, Fang Shi said to his son: "Son, do we still need a loan?"

Fang Bai had already planned it and said: "Of course it is necessary, the investment funds at the family's disposal are about 15 million yuan.

I plan to build the first phase of the shopping mall covering an area of ​​5,000 square meters, with a basement and five floors. The total construction area is about 28,000 square meters. The total cost of the main construction, decoration and shelves will be about 22 million. Yuan, we need to give a full budget of 25 million yuan, and our family's funds are only enough for the initial investment.

If you continue to renovate later, you will be short of money. You can't wait until you are short of money before taking out a loan. What if the situation changes and the loan is not approved? There are many things that change the loan. I would rather pay more interest.

Nowadays, it is easy to get a loan at the beginning of the year. All banks have loan tasks, but it will be difficult to get a loan at the end of the year.

The money earned by our shopping malls should be reserved for future use. We should not invest it all in investments that have not yet made money. Many bosses have gone bankrupt due to capital circulation problems. We must learn from other people's lessons and cannot follow their old paths.

It is estimated that it will take a year after the first phase is completed.

If we build our own brand store, it will probably cost another 30 to 50 million yuan.

However, I don’t think we can have so many brand stores. We need to attract some merchants to settle in, and we don’t need so much capital.

But if we want to build a comprehensive supermarket, it will cost at least 5 million yuan, but that will be a year later. "

The first phase covers an area of ​​5,000 square meters and only has one basement floor, mainly used as a supermarket.

The remaining area of ​​more than 30,000 square meters will be built when money is available, and then a two-story underground parking garage will be built.

During the first phase of construction, when laying the foundation, we must take into account the remaining area of ​​35,000 square meters for the future construction of the foundation. It is troublesome to connect it. The best way is of course to build it all at once.

However, if he wanted to build the Xinghai Plaza covering an area of ​​40,000 square meters in one go, Fang Bai did not have that much money, and the total investment was less than 200 million.

Even if the bank dared to lend Fang Bai 200 million yuan, Fang Bai would not dare to use the money to invest in Xinghai Plaza. Suddenly the stall would be too big to be used, and the annual interest alone would cost 20 to 30 million yuan.

Now Fang Bai just wants to make the best money in this era, such as opening a supermarket or a home appliance mall, and he will do whatever makes money first.

After listening to his son's words, Fang Shi probably understood and asked, "Then how much loan do we need? When will we get the loan?"

"We recently took out a loan of 20 million yuan, plus the 15 million yuan we have at our disposal. In addition to arranging an investment of 20 to 30 million yuan in the shopping mall, there are only a few million yuan left.

I am also thinking of borrowing an additional 20 million yuan to purchase land, buying up all the vacant land nearby, and hoarding it. In a few years, I will build residential buildings and sell the land, or sell the land. "Fang Bai has had this idea for a long time, but he had not yet established relations with the county at that time.

The commercial land currently owned covering an area of ​​40,000 square meters must be used to build a shopping mall according to the agreement between the two parties. There is a time limit. If he does not invest in the construction, he will have to return the land and only receive the original two million yuan land payment.

If he wants to hoard residential land, the land price will be much higher. The situation is different.

Of course, this depends on whether the county can sell it or not, as there are planned land uses every year.

Although there was a previous agreement stating that Xinghai Company had priority in purchasing land near Xinghai Plaza, it had to be sold by the county.

When he is free, Fang Bai will ask the county leaders what the situation is.

There are many residential buildings near the shopping mall. For Xinghai Plaza, the residents nearby are its long-term customers.

Fang Bai also has an idea, as long as he has enough land in the surrounding area, for example, the original value is one billion.

But as soon as the Oubei Wharf Bridge is opened, the price will immediately rise to more than 1.5 billion, and Xinghai Plaza will become even more valuable, even more than doubling.

If ZF is not willing to build a bridge, then he should invest in donating the bridge. It does not need to be that long. An investment of tens of millions of yuan is enough. There is a height limit for walking. It is best to only pass small cars and pedestrians, not large cars.

The money raised by these land increases is nothing compared to the money donated to the bridge.

But if the land hoarding is too small, no boss will be willing to donate the bridge, and who will suffer the consequences?

Fang Bai's plan was very shrewd. No investor had done this in his previous life. The main reason was that he didn't think it through to this step.

Of course, if the Wencheng ZF is willing to build a bridge at Oubei Pier, that would be great, but Fang Bai thinks it is a bit difficult. The Dongou Bridge should be built according to the historical track, because it can connect to the islands in the lake, saving a bridge.

Now, Fang Bai had laid out a big net. He took out a blank piece of paper to draw it, and directly told his father to buy a nearby land slope and hoard the land first, without exposing the final purpose to the outside world.

No one would have thought that the government would not build a bridge and private individuals would donate the bridge. It would probably make the local government leaders laugh out of their sleep.

Who would have thought of such a crazy idea? After all, the cost of building a bridge is not just a few million yuan. For this six- to seven-hundred-meter cross-river bridge, no matter how much money you save, it will cost tens of millions of yuan.

Fang Bai had to review and go to college. These matters were mainly left to his father. More than a year was enough for him to get familiar with them.

Over the past six months, Fang Bai has continuously instilled business concepts into his parents, and with step-by-step guidance on practical operations, Fang Bai's parents have learned how to operate a shopping mall.

There is still nearly half a year left, and Fang Bai feels that by then his father will be able to handle some business matters independently. If it is too difficult, Fang Bai will help.

After Fang Bai went to college, he had no time to manage Wencheng's business. His focus shifted to Shanghai, mainly technology companies.

After hearing his son's plan, Fang Shi was a little surprised and said: "Son, your idea is a bit crazy, but it seems to make sense. The land in the city center over there at the pier is so expensive. It's just across the river. The price is many times different. .”

"I guess everyone is short of housing now. The average price of Wendy's Park in the urban area, which was just completed last year, is 1,500 yuan, and it is selling well. Real estate companies will squeeze in when they see the money to be made. Now There are already signs of building a large number of residential buildings, and the land supply will naturally increase.

In two or three years, the price will rise even higher. "Fang Bai didn't tell his father about real estate speculation. He asked his father to hoard as much land as possible in the past few years and build it after 1995.

Not to mention other things, if Xinghai Plaza is built and becomes popular, surrounding land prices will rise rapidly.

After a year, there will definitely be investors who realize this and hoard land.

Therefore, it is best to hoard land this year.

Moreover, no matter what the price of the surrounding land is in the next few years, as long as it is not outrageous, try to buy it.

Before 2000, it was more cost-effective to enclose land in Wencheng than in Beijing, Shanghai and Guangzhou, and the operation cycle was short. Before 2003, all the land was abandoned and replaced in first-tier cities.

Fang Shi asked: "How much land must be enclosed to make up for the price difference of building a bridge? Building a bridge is not cheap, right?"

Fang Bailuo thought about it: "The bridge does not need to be too long, only about one kilometer. It is planned to be built in 1998 and open to traffic in one or two years. The cost is estimated to be 50 million yuan to 100 million yuan. It can be named Xinghai Bridge;

We only calculate the difference in price increase for residential land. If the minimum price rises to 80% of the urban price, it will require land worth 200 million. If we build a house and sell it, tens of millions of land will be enough, and we can make the difference from the house price.

Now that land is cheap, just hoarding two hundred acres is enough. "

Fang Bai has already said that he is too conservative. According to the housing prices in Wencheng in 2003, the cost of residential land in the urban area is at least 3 million yuan per acre, and as much as 5 million yuan.

If it were in 2000, before housing speculation started, the cost of residential land per acre in the urban area was estimated to be about 1.5 million, and the land price near Oubei Pier was only one-third of that in the urban area.

If the bridge is connected, land and house prices at Oubei Wharf will rise by 80%-90% of those in the city center, but if it is close to Xinghai Square, land prices will definitely exceed that in the city.

In later generations, housing prices around Wanda Plaza will be more than 20% higher than other areas, or even as high as 50%.

Nowadays, land prices are cheap. The land in Fangbai Shopping Center is 33,000 yuan per mu. Only with mandatory limited time planning, can we get preferential prices.

If it is residential land, no matter how expensive it is, it currently does not exceed 70,000 yuan per mu.

If your own company builds a house and hoards more than 100 acres of residential land to be developed after the bridge is built, it will be enough to cover the cost of building the bridge.

Of course, the more land you hoard now, the more you will earn in the future.

Even without the bridge, the land rose rapidly in two years, at least five times. Fang Bai also made a lot of money. It didn't take him much time to just draw a circle, and his father was responsible for the rest.

Before investing in the construction of the shopping mall, he planned to talk to Lu Dahai and acquire his engineering team.

Instead of giving project money to others, Fang Bai might as well invest in an engineering team himself. Even if he doesn't want to engage in real estate construction, he still has a lot of projects to do.

If the other party is unwilling, Fang Bai can find another engineering team to invest, and there will always be someone who is willing.