After rebirth, I became a great master

Chapter 545 Unfinished Housing Project

These days, any company will encounter this kind of problem.

Zhou Haoran doesn't even need to produce any evidence.

If we investigate, we will definitely find out what happened.

Zang Tianrui was immediately dumbfounded.

The lobby was silent. Not only were the troublemakers stunned, but even the guests who had tried to break up the fight were dumbfounded. The gentleman they remembered as gentle and refined had such a ruthless side!
If this is investigated, they might have to be arrested!
"Sir, I really didn't..."

Zang Tianrui panicked immediately.

He didn't dare to gamble.

Judging from Mr. Da's expression, he doesn't seem to be joking at all; he's serious!
"see a visitor out!"

Zhou Haoran didn't even glance at him.

“Sir, there really is a problem with the tea…” Zang Tianrui realized at this moment that the key point was his own betrayal, and hurriedly explained, “Sir, I went to see Young Master Zhou because he knows a lot of people in the financial sector, and he can help me get a loan.”

Zhou Haoran ignored him completely and looked at Qiao Nuo, "Where are the security guards?"

"come on!"

Qiao Nuo smiled and waved towards the door.

Then four young men in neat security uniforms came over and tried to shoo the person away.

Zhou Haoran was somewhat surprised to see this.

Jono is just being prepared!
Zang Tianrui was still explaining, "Sir, banks aren't giving out loans anymore, and houses aren't selling in pre-sales. So many projects have been abandoned. I'm desperate. If I don't find a way to get a loan from Young Master Zhou, I'll go bankrupt! Everything will be over!"

"take away!"

With a wave of her hand, Qiao Nuo really did have some of the imposing and domineering air of the general manager of the Dream of the Red Chamber Teahouse.

The area was cleared out quickly.

Zhou Haoran bowed to the other guests, apologizing for disturbing them, and said that all the expenses for today would be on Mr. Da's tab.

Then, he took Lin Guiyan up to the third floor.

Come here.

I always make sure to take her out for a cup of tea.

This is Zhou Haoran's private tea room. The environment is fresh and elegant, and there are many antiques and calligraphy and paintings, all of which are genuine. Some were gifts from business friends, and some were purchased by Qiao Nuo through intermediaries.

These days, antiques are still very cheap.

You can buy rare items for tens of thousands of yuan.

"How majestic!"

Lin Guiyan smiled broadly.

"It's funny."

Zhou Haoran was still processing what had just happened when he sensed something was off.

Although he looked down on that so-called Young Master Zhou.

However, one thing cannot be denied.

This Mr. Zhou is a capable and talented person.

Will he send people to cause trouble?

That's far too simplistic.

"You're a big shot! Those bosses are all afraid of you...they all respect you!"

This was the first time Lin Guiyan had seen him outside of work.

Zhou Haoran said, "In business, you align yourself with whoever makes money. It's much purer than working in a company. In a company, even if you're very capable, you can't accomplish anything without power."

"You've succeeded."

Lin Guiyan had now truly gotten to know this young man.

"Is it weird?"

Zhou Haoran asked back.

Lin Guiyan pursed her lips. "It's not surprising. You're so outstanding, nothing is surprising to you."

"You just noticed?"

Zhou Haoran gave her a meaningful glance.

Lin Guiyan felt a little embarrassed, knowing that he was implying that she had done something wrong in the past. She lowered her eyes and said, "Haoran, I have thought it through. I will apologize to the five of you, but it will be a formal apology."

Zhou Haoran asked with a smile, "Which five?"

Lin Guiyan said, "The five of you who left 'Family Matters' because of me: Tang Shiyi, Hu Xiaochen, Qiao Suiqing, Hong Zhenru, and you."

Just then, Jono knocked on the door and came in.

Just as Zhou Haoran was about to ask her what had happened, Qiao Nuo said, "Master, Mr. Tian Zhenzhong, the general manager of Zhenjiang Real Estate, wants to pay his respects to you."

"Who?"

Zhou Haoran didn't know him at all.

Qiao Nuo smiled and said, "You saw it just now, when they were causing trouble, President Tian came over to mediate. It seems he had something to discuss with you."

"Oh, then let him come over."

Zhou Haoran also wanted to ask him something. The troublemaker, Zang Tianrui, said that his real estate project was on the verge of being abandoned and he had no money, which was why he wanted to seek refuge with Young Master Zhou.

He hoped that Mr. Zhou could use his connections in the financial industry to help him get a loan to save his life.

That should be the truth.

Many real estate projects are facing abandonment, and this is probably not an isolated phenomenon.

A short while later, Tian Zhenzhong arrived. He was dressed in casual clothes.

It felt very informal, which made him a little embarrassed.

“Sir, I’m so sorry to bother you…” Tian Zhenzhong bowed slightly, his eyes fixed on Zhou Haoran, not daring to glance at the beautiful woman Lin Guiyan beside him.

Zhou Haoran smiled and said, "Mr. Tian, ​​I remember you're also in the real estate business, right?"

"Yes, we're developing a small real estate project." Tian Zhenzhong came here to talk about this, and sighed, "Sir, I didn't want to bring this up, but... sigh, I had no choice."

Zhou Haoran nodded. "Tell me about it."

Tian Zhenzhong said, "I just heard that Mr. Zang say that he was in dire need of cash flow and his property project was almost abandoned. He had no choice but to turn to Mr. Zhou for a loan... Sir, I think what he said is true, because I have also encountered this situation."

"Are you short of money too?"

Zhou Haoran lowered his head and drank his tea, calm and composed.

Lin Guiyan's beautiful eyes revealed an unusual gleam, and she felt that he really had a maturity that did not match his age. He was calm, unhurried, and had the demeanor of a true boss.

Tian Zhenzhong said bitterly, "There is a shortfall of at least 2000 million."

"what happened?"

Zhou Haoran frowned.

Tian Zhenzhong said, "There are two main reasons. First, the pre-sales failed, resulting in no revenue from the project. Second, the bank refused to provide the loan that was originally agreed upon."

"Really?" Zhou Haoran took the current economic crisis very seriously, so he had been paying close attention to relevant domestic policies. "The government has introduced many measures to boost the economy and has also required banks to lower interest rates to support loans to small and medium-sized enterprises."

"Yes, the interest rate has dropped, but the loan is gone. We had agreed on a 15% annual interest rate for a loan of 1200 million. But then the stimulus policies came out, and banks were no longer allowed to offer such high interest rates, so the loan was cut off."

Tian Zhenzhong felt helpless about this.

Zhou Haoran's expression was strange.

That's how it often is—good intentions lead to bad outcomes.

The level of interest rates is related to risk.

The greater the risk, the higher the interest rate.

The lower the risk, the lower the interest rate.

The reason why loan interest rates are so high in society at present is mainly due to poor credit and high risk. Commercial banks have no choice but to offer high interest rates to ensure their own safety in order to protect their own interests.

However, in order to reduce the survival pressure on enterprises during the economic crisis, high interest rates are strictly prohibited.

At first glance, it seems like a good thing.

However, this violates economic principles.

High interest rates are no longer allowed, so loans will not be issued... Originally, this good policy was meant to help private enterprises survive the economic crisis and improve their lives. However, in practice, it has exacerbated their difficulties and led many to their demise.

Zhou Haoran asked, "Are these kinds of things common?"

“Quite a few.” Tian Zhenzhong nodded, speaking earnestly, “As far as I know, almost all real estate companies have encountered this crisis, with unfinished projects everywhere. I know of three or four in our student group.”

"That's it..."

Zhou Haoran then realized what had happened.

Tian Zhenzhong sighed and said, "After this lesson, I have a new understanding of doing business. I used to be a fruit wholesaler, but then they said that building houses could make a lot of money, so I invested all my savings of more than 300 million yuan into it. I never expected... sigh!"

"You're going into real estate with just 300 million?"

Zhou Haoran couldn't help but laugh.

"Isn't this how everyone does it?" Tian Zhenzhong said somewhat awkwardly, but still tried to explain, "My project is just a small development, and it doesn't require much investment. As long as pre-sales and loans are both viable options, the project can be completed. But I didn't expect the economic crisis to be so severe, and both paths are blocked."

"When doing business, you can't just rush in with enthusiasm; you must do thorough research and make full preparations."

Zhou Haoran is also currently involved in the real estate business, so he is quite knowledgeable about the industry.

A real estate project can easily involve an investment of tens or hundreds of millions of yuan.

These are all major projects.

In reality, the actual investment of real money was not much. Not to mention Tian Zhenzhong who invested several million, many people rushed into real estate projects without investing a single penny, essentially getting something for nothing.

First acquire the land, then take out a loan.

Then, conduct pre-sales to obtain initial funding.

They also owe money to downstream construction teams, material suppliers, and other related partners.

All of it adds up to "debt".

Using these debts, they developed real estate projects, and then, taking advantage of the booming real estate market, they recovered their cash flow... The debts can be repaid slowly, and the cash flow can be distributed as dividends or invested in new businesses.

In this process, as long as the booming real estate market cools down, problems will arise at every level of the chain.

Especially at this stage.

Many policies and regulations are incomplete, and we are all feeling our way across the river by touching the stones, which makes the risks even greater.

Bank loan interest rates are extremely high, which is perfectly reasonable.

"Sir, what do you think we should do about this?"

Tian Zhenzhong was out of options. He wanted to find his own way to make a living and had even considered asking the recently influential Young Master Zhou for help. But after seeing what happened to President Zang Tianrui, he couldn't help but shudder.

The dignity of the Master is inviolable.

I wouldn't dare betray you!

"Hmm, it seems that this is indeed a common market crisis." As a respected figure, Zhou Haoran certainly needs to help the industry overcome its difficulties. "How about this, could you do me the trouble of compiling a list of which people and projects are facing difficulties? Not just those people at the Red Mansion Teahouse, I want to see the current state of the entire harbor's real estate market."

"Okay! I'll do it right away!"

Tian Zhenzhong immediately perked up.

The Master is indeed extraordinary; he really gets things done!

(End of this chapter)