Chapter 167: Qingyun Real Estate Buy a House Early

"You bring us to see this in the middle of the afternoon when the sun is shining brightly?"

"You are such a jerk. I am almost fifty years old, an old man. How can you bear to do this to me?"

When Li Zehua got on the bus, he told the driver his location, but no one else noticed.

It was not until I was pulled over that I realized this was the core business district of Puxi.

The sun is so hot at this hour!
But around the core business district, there are still many people wandering around. I don’t know what there is to see. Wouldn’t it be nice to go into the mall and enjoy the air conditioning?

Occasionally, one or two graceful figures holding umbrellas pass by in front of you, and their gleaming beauty is captivating.

After receiving several confused and eager looks in succession, the grown men looked at each other and smiled.

Fellow-minded people!
Facts have proved that no matter whether a man is fifty or twenty years old, his preferences have not changed.

Li Zehua had something serious to do. He pointed to a corner shop not far away and said, "I came here today to ask everyone to help me take a look at this shop.

This is my first time buying a house. It’s a big deal in life, so I have to be careful.”

They looked at each other and were quite happy that they were not treated as outsiders.

I just feel that something is not right. Why would he bring so many people here just to buy a shop?

There must be something fishy.

It was still early and the landlord who I had agreed to meet up with hadn't arrived yet, so we first found a street-side cafe to enjoy some air conditioning.

The coffee culture of Shanghai is deeply rooted in people's hearts. Even at this hour, there are still many people staying in coffee shops.

Or working in a business office, holding a cup of coffee and glancing at the screen from time to time.

Or you can while away the time by the window, basking in the sunshine, holding a book in your hand, and immersing yourself in the ocean of knowledge.

Or they may be wearing a neat suit, meeting with clients, and talking in a low voice.

When Li Zehua and his group came in, they were surrounded by people. Even if they kept quiet and walked slowly, they still inevitably attracted everyone's attention.

Especially those men in black clothes holding umbrellas and wearing sunglasses, who were big and strong and stood there, and no one dared to look at them.

They all lowered their heads and pretended nothing had happened, but they just felt awkward and the originally quiet and peaceful atmosphere quickly dissipated.

It was as if the boss came in with an expressionless face, and the workers, who were about to be criticized in a meeting, were silent and nervous.

"Good afternoon, gentlemen. Please come upstairs this way. Be careful with the steps."

The cafe supervisor was knowledgeable and had been waiting at the door early, carefully guiding everyone upstairs.

"Hey, isn't this from your takeaway company?"

After walking a few steps, I ran into a man in an extremely conspicuous yellow robe, who was walking out hurriedly with a few cups of coffee.

The sharp-eyed Lin Wenhui asked curiously, "You guys are also cooperating on this?"

Li Zehua was not sure, so he reached out and called out, saying softly, "Ask your stationmaster to come over."

I'm free anyway, so I might as well get to know the situation at the grassroots level.

The young man in the yellow robe was shocked when he was stopped. What did these ferocious-looking people in front of him want to do?

He was a new employee at Chimo. It was normal that he didn't know him. Hearing the tone of the order as if it was a matter of course, he was very puzzled.

Who are you!
I subconsciously wanted to speak, but when the words came to my lips, I turned them into a polite, "Excuse me, who are you?"

"Li Zehua, just tell him I'm waiting for him here."

After he said this, he led his men upstairs without saying anything more.

"Li Zehua? Who is that? I don't know him."

The young man in the yellow robe tilted his head and thought for a long time who it was. After he got out of the door, he skillfully put the coffee into the storage box on the back seat.

He got on his bike and wanted to leave, but he subconsciously looked back and saw two men in black clothes and sunglasses looking at him at the window.

I couldn't help but take out my phone and call him, saying, "What's so great about you? It's like no one knows you."

When the call was connected, he opened his mouth and said, "Boss, someone is looking for you."

The webmaster didn't take it seriously and said, "Where are the clients who want to cooperate with us again?
Please wait a moment, I am talking to the store, please send me the address and I will come back later. "

"It's not a collaboration. The other side has a lot of people. They all wear suits and ties, and sunglasses. They look fierce and ferocious, like the big brother of a gang in a movie, with many younger brothers."

The delivery guy took another look and thought, okay, there's nothing wrong, the other guy was still staring at him.

"Black Society?"

The stationmaster's heart sank. "Are you sure?"

This is the city center of Shanghai. Who has the audacity to come here and act wild?

“It’s absolutely correct!”

The young man, who was deeply "poisoned" by Hong Kong movies, imagined a heroic plot on his own. Before the webmaster said anything, he was already very excited.

“He asked you to go see him right away, and the tone of his voice made it seem like you owed him something.

Boss, you have to be careful, there are a lot of them, do you want to get some help over here?"

The young man arrived late and missed the Fenglin Road battle. A team leader in their room had participated in it.

We chatted casually in the evening and the stories they told were so wonderful. At least they were much better than the storytellers under the overpass. Their voices were full of emotion and made people feel as if they were there.

"You don't know, the scene at that time was so crowded that there was no place to step...

The other side has more people and more power, three companies are fighting against us!

But who is our boss, to be so indulgent to them? With one order, all the people in the company, one by one, pulled out more than 10,000 people..."

Whenever this is mentioned, some people can't help but question, "Modu Company only has 6,000 people, where did the 10,000 come from?"

The team leader said with disdain, "You know shit. Magic City only has 6,000, but there are still Yanjing and Yuedong companies. They hadn't been divided out yet!"

Everyone felt it was amazing!

Everyone couldn't sleep after listening to this, and always fantasized about themselves being involved at that time, taking a brave step and being valued by the boss, and rising to the top from then on.

Well, Zhang Tao has now become a celebrity in the company and an inspirational role model.

Rumors were exaggerated little by little.

It is foreseeable that in the future, this rumor will become more and more outrageous. As for the specific scale of involvement, it depends entirely on how many employees Chimei has at that time...

After hearing this, the stationmaster was not calm anymore, "Really?"

It’s bad, it’s coming towards the company, there’s no way to avoid it, we’d better call someone reliable.

I was just about to call someone, but luckily I subconsciously asked, "Didn't the other party say anything else?"

"Something else?"

The delivery boy thought for a moment and said, "Oh, he said his name is Li Zehua, is that right? Sounds really impressive, is he famous?"

"Pfft~"

The webmaster's brain almost exploded, "Are you crazy? That's our boss!"

"what?"

The delivery guy made a big mistake, his face flushed red, as if he had drunk fake alcohol, "Ah? That's the boss!"

I subconsciously turned around to take a look at the window on the second floor. The man in black clothes and sunglasses, who looked so hideous before, now seemed so close.

"So, I am also the boss's younger brother, hehe~"

……

"You buy a shop, what's the game?"

Zhang Lei absolutely didn't believe that he called these people over just to buy a shop.

As soon as he sat down on the sofa in a circle, he couldn't wait to ask.

"Brother Lei, don't be in a hurry. Order a cup of coffee to wake yourself up."

Li Zehua casually said to the foreman, "Sorry, we are here to talk about something and may disturb other guests.

Please say sorry for me, I will buy you coffee today, thank you."

The supervisor smiled and nodded, then patiently explained to the customers on the second floor.

It doesn’t matter whether you invite guests or not, this group of people looks very important, with extraordinary temperament and good manners.

Everyone understood and went downstairs soon.

Before leaving, the foreman curiously asked, "Mr. Li, have you eaten it? Is it really yours?"

"Yes, please give me more suggestions."

Li Zehua also wanted to hear customer feedback, which was much more intuitive than reading reports.

"No, no, I'm just curious."

The foreman waved his hands repeatedly, "Since we started eating it, our store's sales have improved a lot."

I can't really explain why, but these words come from the heart.

Wait for her to come downstairs.

Lin Wenhui asked, "How about it, tell us what this plan is?" He really wanted to cut open Li Zehua's head to see where he got so many innovative ideas.
For a normal entrepreneur, if he can do well in one track, he would be perfect. How could he be like that?
It spans several industries and does quite well.

In addition, the strong upstream and downstream correlations complement each other and produce a chemical reaction, with very good results.

Otherwise, venture capitalists would have intervened and persuaded you long ago. You are not doing your job properly every day. Do you think you are a god?

"It's pretty much the same as before, and it can be considered part of the main business."

Li Zehua was relaxed and said casually, "One is that I am optimistic about the real estate industry and the general upward trend in the future, so I am ready to make some financial investments.

On the other hand, it also provides some support for the Chichimo dining plan.

This is what I think: the four major first-tier cities of Beijing, Shanghai, Guangzhou and Shenzhen, plus the provincial capitals and key coastal cities, are considering both self-purchase and cooperation models.

This will speed up the chain restaurant promotion plan. It is not easy to find a suitable location. "

“Asset-heavy model?”

Zhang Baige thought seriously for a moment and said, "For the real estate industry, we can say hello to the municipal investment company. They have a lot of high-quality resources in their hands, and we will definitely cooperate with them in the future.

In the long run, the huge amount of money released by expanding domestic demand requires a new supporting foundation.

The stock market has been sluggish recently, but the fact that real estate and mining industries have started an upward cycle first has proven this point.

Ordinary people cannot participate in the bond market and foreign exchange market, so the only remaining reservoir is the property market, which can absorb the incremental currency.

But how much money do you have?"

Li Zehua looked at him and smiled, "This requires Mr. Zhang's help."

Zhang Baige leaned back subconsciously, "Tell me."

"The current rise in real estate prices is inevitable. I personally am not willing to get involved. After all, the fate of Qiongzhou Island in the real estate speculation is clear."

Li Zehua crossed his legs, looking relaxed. After all, he had experienced this in his previous life, so he was very familiar with the task.

"But we cannot completely ignore the rise in real estate prices and turn a blind eye to the potential risks to the company's expansion plans and future developments.

As housing prices continue to rise, the prices of shops, especially those in busy areas of first- and second-tier cities, will inevitably usher in a new round of skyrocketing prices, and rent will inevitably become the main expense for catering.

I am also preparing for a rainy day. In the early stages of house price increases, I will buy as much as I can, regardless of whether I have enough to provide for later use as a basis for expansion.

Whether it is for rent or sale, it is a sure-win business.”

Zhang Lei scratched his head. “It’s a big leap to jump from the Internet to become a landlord.”

"Is there a difference?"

Li Zehua explained, "When we build a platform, isn't it just to build a shopping mall based on the Internet, attract merchants and consumers to come, and then collect rent from them?"

In his opinion, this is true whether it is Tengda's QQ, Ali's Taotao, or Qiandu's search.

It is nothing more than using the convenience of the Internet to enclose land and demarcate territories. Is there any essential difference between this and the property owners and landlords in the real economy?

The value created by the Internet software industry is all added value, which tends to be in the form of technical services and technological empowerment.

Reduce costs and increase efficiency for the existing economic model.

"It's too one-sided, but let's not talk about that."

Zhang Lei was speechless for a moment. He couldn't say that Koukou could be eaten, right?
Games are a spiritual need, but they cannot be separated from the material basis. If you talk about it for three days and three nights, you will never finish.

Changing the subject, “But this amount of money is not a small amount.

Although I don’t know much about the land prices in Shanghai, the shops here should be very expensive, right? "

"Not bad, the price is over 160, the house is 130 square meters, and the usable area is over square meters."

"That's more than 10 million. Do you have enough money to support this expansion plan?"

Faced with doubts, Li Zehua turned to Zhang Baige and said, "Mr. Zhang is here. I will tell you my thoughts. Seniors, please help me to make some comments."

Li Zehua disdains real estate speculation.

But the catering plan is related to monopolizing the takeout market, so he can't help but prepare in advance.

He is not qualified to get involved in commercial real estate for the time being, as he does not have any of the connections or background channels involved.

But when it comes to capital operations, even if you haven’t eaten pork, you have seen a pig run?
With the experience of Haih and Home Inn, if all else fails, we can learn from the coal bosses in Wencheng and Jin Province. Isn’t it easy to turn over real estate?
It's not like he's getting something for nothing. He has so many industries at his disposal, not to mention a complete business logic to support it.

"After injecting a sum of money in the name of Qingyun Real Estate, they purchased shops in first- and second-tier cities and managed them in a unified manner, or rented them out to Chime restaurant chains.

Or rent it out on your own, so as to ensure sufficient cash flow for further expansion.”

Zhang Lei interrupted, "Wait a minute, you haven't told me where you're going to get the money to buy a shop. Even if you rely on a bank loan, you don't have enough money."

Li Zehua gave him a strange look and said, "You mentioned a bank loan."

"That's not right. The bank requires a lot of own funds for this, and the down payment ratio is different from that of residential housing loans."

After consulting his assistant, Zhang Baige had a rough idea in his mind, "I don't know exactly how big you want to make it, but it won't be too small.

Just take the big coastal cities and inland provincial capitals for example, if you arrange a hundred of them in one place, it would require an investment of hundreds of millions or even billions of dollars.

You have to calculate this clearly. Even if you are given the most favorable down payment ratio, you still need 300 million to leverage a 1 billion fund pool."

Li Zehua shook his head. "Mr. Zhang, you are wrong to say that."

As he said this, he placed a few cups of coffee in front of him, "This small cup, considering the amount of money I have at the moment, isn't much, but there's coffee in it!"

Everyone couldn't help but come closer and listen carefully.

Li Zehua brought another medium cup and said, "It's like I currently have 50 or 60 million yuan, and I'm investing 30% in several core locations as Mr. Zhang said.

The leveraged funds, about 200 million is no problem, right?"

Zhang Baige nodded slightly.

“With 200 million yuan, I can buy 20 of these shops. The bank will definitely not allow me to continue to mortgage them.

But the house cannot be mortgaged, and I still have a rental contract.

Suppose there is a tenant now. I will exclude the cooperative stores of Chimo and just find other merchants to rent the store. After deducting all the costs, I will rent it out at 2-3% of the house price. Isn’t it easy? "

It is relatively easy to reach this figure in the core areas of large cities at any time. Without considering the factor of rising land prices, it is normal to recover the investment in 20 to 30 years.

Although the rental of shops in Shanghai fell for the first time in a decade in 09, the market still showed signs of recovery in the third quarter.

As for the skyrocketing land prices, with a payback period of up to 50 years, it is the real estate developers who have injected the logic of skyrocketing shop prices, which investors recognize and are willing to accept, and each is willing to fight and suffer.

Li Zehua continued, "So, can commercial banks continue to accept mortgages with stable rental income?"

A professional from MoTou came out after getting permission and said, "Mr. Li means to continue to mortgage to the bank with the expected income for a certain number of years in the future.

Then use the loaned funds to continue to invest in purchasing new commercial properties, and grow like a snowball, right?"

Li Zehua nodded and said, "What I am doing is neither illegal nor against regulations, and there are two major guarantees. The first is that I am willing to provide a joint guarantee for this project.

Second, all funds are used for commercial real estate expansion and are fully supervised by the bank. Apart from daily operations and management, there will be no risk of misappropriation or other risks.”

Seeing the other party's happy expression, he added fuel to the fire and said, "Moreover, Qingyun Real Estate has the biggest advantage. We have our own strategic partners, and we can provide long-term lease guarantees!
Under the current domestic economic environment, housing prices, especially in second-tier cities, are still expected to increase significantly.

I personally think that as long as the capital utilization rate is controlled within 300-500% of the principal, there is almost zero risk and any commercial bank will accept it. "

"can do."

The professionals were very familiar with the current operating model of the banking system and immediately said to Zhang Baige, "Chairman, even if we don't consider the rising housing prices, this is worth following up."

There was only one point that he disagreed with, "Mr. Li, this is a good project that most investors can see, but it may be a rare commodity for commercial property owners."

The implication is that even if you have money you may not be able to buy it.

The shop he is eyeing now has a very good location. If he doesn't act quickly, it will not be his turn to buy it.

Li Zehua also explained this, "We don't necessarily need commercial real estate in the most central area of ​​the city, and a relatively inferior one is also acceptable.

What's more, we have the biggest advantage, which is information advantage.

Because Chizume and Fengniao come into contact with a wide variety of people in the process of promoting their business, these real estate sales and rental information are obtained incidentally.

We can bypass the real estate agent and contact the homeowner directly. In the environment where the real estate market is about to take off, I can accept a reasonable premium. "

"If that's the case, I don't think it's a big problem."

The professional lowered his head and gave Zhang Baige a detailed analysis, and the latter smiled happily, "Boss Li, please ask your subordinates to do a complete business analysis.

In principle, there is no problem. Pufa can take the initiative to participate, and even provide our resources to Qingyun to help you quickly realize this plan."

Due to the financial crisis, banks are also having a hard time!

There are many companies that are short of money, but they do not meet the loan conditions.

Who meets the requirements?

As we all know, due to the financial crisis, companies have to be more prudent in their spending, and many are taking the initiative to cut back on investment plans.

This leads to a strange phenomenon: those who ask for money are not qualified.

No money is required for those who are qualified.

The bank's credit department really has to beg for mercy and is criticized at every end-of-quarter meeting.

Now that a reliable business project has finally appeared, why not grab it while you can!

Don't let the big dog run away!
　The second update is a little over an hour later.

　　
　
(End of this chapter)