Han Lie’s idea was not random, but really highly feasible and highly operable.

Gao Diaomao is just ignorant, not stupid. He can't be fooled by nonsense.

However, Han Lie deliberately differentiated the importance during his introduction, forming a strong inducement, aiming at his greed, and laid an ultimate trap.

"Mr. Gao, the most worry-free way is to hand over the entire project to my company.

Let's sign a discretionary agency agreement, and then you don't need to worry about anything. When I ask you for information, just cooperate and wait for the money to arrive.

In the first step, all that is consumed are my connections, appraisal agencies, credit enhancement agencies, investors, custodians, underwriters, etc.

As long as you provide unlimited joint and several liability as a personal guarantee, I guarantee that you will get 2 billion in cash from that piece of land.

If you can't get the money, I will return all the shares to you..."

The first set of plans focuses on fully automatic, no worries.

But Han Lie deliberately concealed the cost and didn't mention it a word, but Gao Diaomao realized it immediately.

"Teacher Han, how much of the 2 billion will I have left?"

Han Lie patted his chest and pledged: "It will definitely not be less than 1.8 billion!"

10% of the cost sounds quite cost-effective, but Gao Daomao's heart suddenly exploded.

Damn it, I have already given you 20% of the shares, which is equivalent to a reward of 600 million yuan, and you still want to take another 200 million yuan from me?!

Don't show off!

Out of anger, Gao Daomao certainly couldn't get angry with Han Lie, but looked embarrassed and found another excuse.

"Teacher Han, do I have to provide an unlimited joint guarantee? Shouldn't the company be the main body?"

Han Lie replied earnestly: "Mr. Gao, your company is a financing subject, but its net assets are not that abundant. It must require additional guarantees to win the trust of institutions and investors at all levels...

As the largest shareholder, if you don’t bind yourself to the project, how can the funders recognize it?

We are going to get 2 billion in financing from a 1 billion land plot. There are risks of violations in every link, but you don't need to handle the whole process. It means that I bear all the risks. The cost is a little higher, which is reasonable, right?

Let me tell you the truth - not only is the 200 million out of my hands, but I also have to spend a lot of money on it myself.

If you don't believe it, just go out and ask around to see who has the ability to accept this kind of news?"

"Yes, yes, I understand!"

Gao Daomao nodded with deep sympathy, looking extremely convinced.

"Teacher Han, it's really not easy for you, I understand! But you also have to consider the actual situation here. Once that land is developed, it will be difficult to earn enough profits to cover the entire principal and interest... When repaying the loan in the end,

How much more?"

"Well, this is a problem..."

Han Lie nodded and said casually: "The nominal interest for this operation is not high, about 12.5%, and the repayment of principal and interest in two years is 2.5 billion."

As soon as he heard that number, Gao Daomao was even more reluctant to do it.

I only received 1.8 billion, but after two years I have to pay back 2.5 billion, and then take 20% of the shares of my company. What are you trying to do?!

Maybe Han Lie didn't make much, but he couldn't make much either...

Moreover, Gao Diaomao didn't believe that Han Lie would not make money. The whole process was handled by others and he didn't even have the right to participate. How could he be fooled by this random guy?

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Maybe he doesn't have to pay a penny, just find someone to cooperate, and he gets to eat both sides?

Gao Daomao immediately gave up the safest plan. He didn't care about the so-called "safety".

"Aren't there three options? Please tell me about the other two!"

Han Lie glanced at him and warned: "I won't take the risk for you with other plans. How much money will you get and how many things will you do? Do you understand?"

Gao Diaomao smiled and nodded: "Of course, of course!"

"The second operation is like this -

As for me, I will find a state-owned enterprise for you later. I will use my [Skyline One] to purchase the corporate bonds of that state-owned enterprise, with a limit of 2 billion.

This will replace the equivalent amount of funds they used to purchase the [Gaoyuan A Lot Project].

The interest rate on corporate bonds is about 5.2%, and the cost of their investment in our project is 6.5%..."

Gao Diaomao was immediately stunned.

"No, Teacher Han, why did we lose 1.3% every time we entered and exited? We had a total of 2 billion and lost 50 million in two years with our eyes closed?!"

Han Lie deliberately looked like he was angry and asked: "What credibility does your little company have? Appraisal agencies, trust companies, securities firms, third-party guarantees... why should they help with fraud and form a closed loop?"

To make this project?”

Gao Daomao refused: "I can give you money!"

Han Lie asked again: "What do you think I am doing?"

Gao Diaomao replied with a grimace: "I understand, but with your method, you have to give out 50 million in funds alone. Isn't it too... too extravagant?"

"luxury?"

Han Lie raised his eyebrows playfully: "Let me tell you something bad - if I hadn't come forward, you would have found it yourself, let alone 1.2%. Even if you raised the price difference to 3.2%, no one would care!

A large state-owned enterprise that can issue triple-A corporate bonds can’t afford your scraps?"

"Yes, yes, I know I don't have the weight to do this..."

Otherwise, why the hell would I give you 20% of the shares?!

Are you a big ass?!

Gao Diaomao cursed secretly and expressed his dissatisfaction.

But his smile became more humble and humble: "But, we can't feed key people directly, don't do it so... well, don't do it so cautiously and formally?"

Han Lie couldn't help but sneer secretly: It's true that a dog can't change its habit of eating shit.

It cannot be said that Gao Diaomao's idea is completely unworkable, but in fact there is hope for success.

But this is exactly the difference between him and Han Lie.

Han Lie's approach is equivalent to putting interests on the table and complying with laws and regulations. Leaders of state-owned enterprises do not take any risks and only benefit from political achievements and favors, not personal benefits.

Suppose something goes wrong accidentally in the future and the project is reviewed. A supervisory oversight will suffice.

Decision-making is a collective decision-making. Individuals do not get a penny, but they get a group of them.

The remaining links are handled according to this idea.

For example, a trust institution that provides credit enhancement can complain: "When we saw that the money came from a brother unit, we followed up without thinking too much... It is true that our supervision is not strict and our risk control is not cautious enough. I

Review!”

All parties involved have a share of the blame, but no individual takes the blame.

The pressure is shared by everyone.

In this way, the project itself only has a problem of "maliciously raising the evaluation price". As long as the company actively refunds the principal and interest, there is a high probability that it will not be investigated further.

But at that time, the project was estimated to have been completed long ago. Gaoyuan Real Estate actually used 1 billion land parcels to obtain 2 billion development funds and successfully tided over the difficulties.

People who really know how to play will definitely choose this approach.

Brush the edges, but not overdo it.

Make time difference instead of maliciously defaulting on the bill.

As long as the capital chain is not broken, similar techniques can even continue to be played.

Of course, smart people will definitely get out in time - I use other people's money to develop the most profitable real estate, which doubles in size every year. As long as you don't be too greedy, you can get a hundred times your wealth in a few years.

At that time, don’t you feel good about withdrawing steadily and sharing the money with your big brothers over a large bowl of wine?!

In recent years, the extra liquidity in the financial industry has always flowed into real estate, and real estate developers have made money faster than a rocket. This is the main reason.

We have a capital of 20 million yuan. If we buy a piece of land, we can leverage a project worth 100 million yuan. If we do some fancy operations later, we can generate 300 million yuan of funds to roll back and forth.

In fact, the net profit margin after deducting various costs may be only 20%.

But 20% of 300 million is 60 million, which is equivalent to three times the wealth expansion in one year.

Now you know why all domestic real estate groups have to set up their own financial departments, right?

…

If Han Lie's approach is the royal way, then Gao Diaomao's approach is the evil way.

He is still immersed in the old-school thinking of the early years. Little does he know that not many smart people still play that way now.

Accepting bribes has been a red line in recent years, and the risk of taking bribes is not at the same level as the risk of skirting around.

So, as long as one person in the entire line has a problem, everyone will suffer in the end.

It seems that it saves costs, makes friends, establishes a common core circle of interests, and provides a protective umbrella for oneself, but in fact it puts oneself in an extremely disadvantageous position.

Putting your life in the hands of others and expecting the law of the country to treat you differently is a wise man who would never do that.
To be continued...