I'm almost a Muggle

"But... it's all Zheng Ce." Pei Qianlong couldn't figure it out.

Others rack their brains to take advantage of the situation, and some even enter this industry to take advantage of the situation. Why do they have such a high level of ideological awareness when they come to Mr. Lin?

"Old Pei, have you ever heard a saying that free things are the most expensive?" Lin Dongfu thought of this sentence inexplicably.

Pei Qianlong fell into deep thought, and he seemed to understand what the boss meant.

"Mr. Lin, I'll talk again."

The people who were talked about were confused, and they had never encountered anything like that.

Here on the bank.

The capital was still cold in February, and the manager was already sweating.

"Mr. Wang, does your bank have low-interest loans for companies like us? If there is really no, we can accept an annual interest rate of 6%. " Pei Qianlong first refused the interest-free loan and then began to bargain on interest.

Currently, China's benchmark loan interest rate is unified, with an annual period of 5.31%, banks can float 30%, and 50%, local banks can float 50%, and 70%, and banks have fiscal interest subsidies loans, that is, the interest is subsidized by the state finance, full subsidies, and partial subsidies.

That is, the so-called low-interest loan.

6% is actually no longer a low-interest loan.

Two billion can be borrowed at will, as long as you can mortgage enough effective assets.

For example, mortgage the 800 acres of land, mortgage the income of Meow Meow Game in the next few years, or even directly mortgage the Meow Ya Live.

Crazy, damn!

Manager Wang is not an ordinary bank manager. If the amount involved is not too large, he doesn't need to come forward at all.

He thought it was something that could be done easily, but he didn't expect the parties to refuse.

Why do you refuse?

Can you tell me the reason? I don't want to communicate with a psychopath.

Go back to your emergency department of the Sixth Hospital.

"Even if the annual interest rate is only 6%, there will be 1.2 billion interest in a year of 20 billion. Do you still have money to develop?" Manager Wang was not a fuel-efficient lamp and began to try hard to convince Pei Qianlong.

Bar, bar,...

Half an hour later, Pei Qianlong was a little anxious: "Mr. Wang, we really don't need an interest-free loan. Just give a low interest."

There are limits to supporting the chip industry.

Why does this Mr. Wang have a stupid temperament that I have 20 billion, I have to spend it.

"1.28%, what do you think?" Manager Wang had no choice but to give a number he had operated before.

In order to introduce a batch of new equipment, an environmental protection enterprise with a state-owned enterprise background applied for a low-interest loan of 400 million yuan. In the end, it was often evaluated and opened the gap to an annual interest rate of 1.28%.

If the loan is 20 billion yuan, the interest required to be settled every year is 256 million yuan.

"Yes, okay." Pei Qianlong was overjoyed. The interest rate was much better than he expected.

This is not free at all.

"Will the five-year period be too short? It's not ten years?" Manager Wang had to consider the impact of his interest-free loan on him. Such a small matter cannot be done, so how can the leader think of him?

According to his speculation about this matter, the superiors need strong support.

Since I can't lend out the loan without interest, it's okay for me to extend the life.

This is indeed a bit self-righteous, but those who never act self-righteously have no possibility of going further in their system.

Pei Qianlong thought about it for a while, and Mr. Lin didn't seem to have talked about the age limit. This is not free. We gave interest and did not take advantage of Guo Jia, so hesitated for a while and agreed.

Manager Wang breathed a sigh of relief.

"You Klesters rarely involve financial services. We always like to meet too late. Mr. Pei is young and promising. If you don't think that old man is behind the scenes, you might as well have a meal together."

"Haha, Mr. Wang, you look only in your early forties. I can be called young and promising in front of you. I have arranged the place to eat, so let's leave now."

Of course Pei Qianlong would not refuse.

The bank doesn’t mean that it’s just that it’s not enough to give you money.

Otherwise, what should you do if you do it randomly? So in theory there is a regulatory mechanism.

This mechanism will not usually be activated, but what if.

So there is no harm in establishing a good relationship with the bank.

The two soon became friends.

Klester also received a low-interest loan of 20 billion in a very short time, and the approval of loans was fast, comparable to Lin Dong's investment in film and television dramas.

Then Pei Qianlong went to discuss the price of the land again.

He took several experts from the chip business department to see it, and it was indeed very suitable for building wafer fabs.

The calculated area given by the top is 432 mu, but the actual area used can even reach about 500 mu. If you add the hills on both sides - it is cheaper to buy this, the actual area may be more than a thousand mu.

This L-shaped mountain is very smooth and can be built on it.

Overall, this place can completely put down Klester's chip division, and it will be more than enough to develop, expand and expand production capacity in the future.

The land negotiations have had some twists and turns.

After all, if you want to approve land, this land is still owned by Guo Jia, which limits your usage method.

In theory, you cannot keep this place for other purposes, you cannot transfer it.

But if you buy it, there will be less restrictions.

In fact, whether it is land parcel or land purchase, it does not constitute a transfer of ownership. The only thing that transfers is the right of use. Our land in Guojia is state-owned, and no collective or individual is allowed to buy or sell.

Rejecting interest-free loans from banks may seem like stupid behavior.

Refusing to approve land and asking for land purchases is inevitable. However, with Klester's funds in place, design sketches are good, and the construction unit even negotiates, there seems to be no reason to suspect that they want to resell the land at a low price.

Besides, Klester has always had a good reputation in the top spot.

In the end, 432 acres of flat land were sold at a unit price of 8,000, and 620 acres of mountain land were sold at a unit price of 2,500. The flat land was classified as commercial land, while the mountain land was commercial and residential, but its service life was fifty years.

The total price is 3.3 billion.

Don't think it's a lot of 3.3 billion.

Kleist spent 4 billion to buy the 800 acres of land.

At that time, the land price of this area was underestimated, and several large real estate developers with land fled one after another, and they could not find a buyer at all.

And now.

During the five-year sideways period from 2010 to 2015, the national housing prices basically did not rise or fell, speculation disappeared, inventory continued to increase, the growth rate of real estate investment slowed down significantly, and the sales area and sales of real estate declined year-on-year. The real estate industry's profits decreased, the turnover slowed down, and the scale growth stalled, etc. began to appear together, and real estate companies all experienced relatively difficult operating conditions.

The market's pessimistic expectations for the real estate industry are also increasing.

Until the end of 2015, "destocking" began to stimulate real estate, and housing prices surged in first- and second-tier cities.

At the same time, the major stock market crash in the summer of 2015 caused most of the funds in the stock market to be trapped in the vast ocean, and the funds that ran out of the "stock market crash" in advance and other idle funds could not find a "place" for investment in China for a while. The entire market lacks high-quality assets that can be invested, resulting in large-scale low-cost funds entering the real estate market through asset management companies, fund companies, etc.

Under multiple stimulation, real estate companies in various places have also begun to make high prices on land, constantly refreshing the transaction prices of land kings.