Imagine the world

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Mei Yeshi's introduction is so detailed at the moment, and even the design drawings, construction records, and supervision logs can be provided. It is obvious that there is something wrong with it, and real estate agencies can't do it to this extent!

Mei Yeshi said with some embarrassment: "This Hanlin Mansion community was actually developed by my brother-in-law."

I see!Hua Zhenxing had no choice but to ask: "Mr. Mei's brother-in-law, have you encountered any difficulties?"

It was a divine thought that answered Hua Zhenxing.

Mei Yeshi is the name on the genealogy of the Mei family in Wucheng. If you look at his Dongguo ID card, the name is actually Shi Ye.Shi Ye was a child picked by his adoptive parents from the cracks in the wild rocks. He was raised as his own son, and his adoptive father's surname was Shi.

The adoptive parents are ordinary people, and they never told Shi Ye that he was not his own, and they still don't know Shi Ye's status as a monk, let alone that he has become the leader of the Kunlun League.

Ishino later discovered his own life experience, but he decided not to tell the truth, and still treated his adoptive parents as his biological parents.The adoptive parents also have a daughter named Shi Wen, who is Shi Ye's younger sister.

Shi Wen and his wife are ordinary people in the local area. Although they don't know Mei Ye Shi's identity, they live a good life under Shi Ye's care, and later they do business and make a fortune.

Ishino's brother-in-law is named Chai Xiang. His family runs a processing factory to produce bamboo and wood flooring, which is directly related to the real estate industry. Later, he also set foot in real estate, participated in several investment projects, and accumulated some capital.

On the surface, he is no worse than Ishino in the local area.

Hanlinfu Community is the first project independently developed by Chai Xiang.In addition to its own part, the source of funds also includes the mortgage loan obtained from the bank, plus the pre-sale of the building after the roof is capped, it is basically enough to calculate.

Judging from the situation at the time, the funding situation of the project was considered good, but it was unfortunate that he was in a hurry.Soon after the project started, it encountered a downturn in the real estate industry. Not only did credit tighten, but the pre-sale permit policy also changed.

According to the original policy, the pre-sale can start after the main body of the building is capped, and one can be pre-sold once the cap is capped, but the pre-sale permit was later cancelled.

Chai Xiang has already invested all his net worth, and has finished the civil part of the project. However, if the pre-sale is not possible, the capital chain will be broken, and he will not be able to carry out the interior decoration.

In fact, even if it can be pre-sold, in the case of a cold market, such a large new project will be under great pressure to pay back the sales.

The publicity of the Hanlinfu community is high-end hardcover, and the expected average listing price is [-] per square meter, but currently it is just a clear water room without doors and windows.Chai Xiang couldn't raise funds through pre-sales, and he couldn't get a bank loan any more.

The bank also didn't want to have bad debts, so it helped Chai Xiang contact the restructuring party who was willing to take over the deal.But the third party is only willing to use [-] million yuan to take over this project, which happens to be the loan principal and interest that Chai Xiang currently owes to the bank.

And Chai Xiang has already invested one billion yuan in this project, of which [-] million is the principal and interest of the loan owed to the bank, another [-] million is the project and material payment in arrears, and [-] million is his own funds spent.

Years ago, Chai Xiang came to look for his elder brother Shi Ye, hoping that Shi Ye could help him as a guarantee. He wanted to find a bank loan of another [-] million yuan to complete the interior decoration, so that he could start selling it.

Chai Xiang wanted to discuss with his uncle and use Laochunhuang Distillery as a guarantee for the loan, but Shi Ye refused.But Shi Ye also told Chai Xiang that he would help him think of other ways.

As for what else Mei Yeshi thought of, he didn't introduce it in detail, because this also happened just a few years ago.

After learning about the general situation, Manman asked: "When your brother-in-law voted for this project, President Mei didn't expect the current situation? Why didn't you dissuade him at that time?"

Mei Yeshi smiled bitterly: "Of course I persuaded him, but unfortunately he didn't listen at all! My brother-in-law is not bad in nature, and his ability is not bad. He was full of spirit at that time.

People always believe in the existing successful experience. He has made a lot of money in real estate. He thinks he has figured out the way and has a good relationship in all aspects.

If I forcibly stop him from doing it, I don't have the power, as if I want to stop him from getting rich.When he came up with this idea, the market was really good, and he also aimed at supporting facilities in the economic development zone.

The purpose of establishing an economic development zone in Wucheng is to attract business and investment. After the enterprise settles in, the employees must also have a place to live!So he got the land next to the development zone through his relationship, and he didn't expect the current situation. "

Hua Zhenxing and Manman have fully understood.

With Mei Yeshi's identity, it is of course no problem to raise hundreds of millions of funds, and there is no need to mortgage any winery.But money is not spent like this, not to mention that this is not real help, it will only make his brother-in-law get deeper and deeper.

The total construction area of ​​Hanlinfu Community is 30 square meters, known as luxurious hardcover, with a listed price of 20 square meters, and the estimated total sales revenue of [-] billion is calculated in this way.

But now even if the community is completed and opened, the sales expectations will not be satisfactory. If it cannot be sold out in a short period of time, various financial expenses will continue to be borne.

If he can sell for one billion now, Chai Xiang will get rid of the situation without losing or making a profit, but it will mean that he has done nothing in the past few years, but he can still keep his original family property.But in this part of the city, how can such a good thing happen in the current situation?

Hua Zhenxing just came to his door, and he has exactly this need!

Hua Zhenxing thought for a while, and then carefully watched the Hanlin Mansion complex.It covers an area of ​​about [-] mu. Most of the buildings are small high-rise buildings with [-] floors.

There are various types of units, and three of them are not conventional unit buildings, but a central corridor with one-bedroom small units distributed on both sides, which are very suitable for transformation into hotels or serviced apartments.

Hua Zhenxing asked, "What happened to those three buildings?"

Mei Yeshi explained: "The Hanlin Mansion is only one street away from the Development Zone, and it was just a supporting project for the Development Zone at that time.

It was assumed at the time that after a company moved into the development zone, many employees, especially young employees, would need to rent a house, so these three one-bedroom corridor-style buildings were specially built. "

Hua Zhenxing pondered for a moment, and then said: "If I come to take over this project, I mean if, I can give a plan. We will divide this community into eight parts, and I will buy five-eighths for [-] million.

As for the other three-eighths, you, Mr. Mei, will buy it.If you don't want your brother-in-law to know, find someone else to come forward.

If you want him to pay off all the debts, then pay [-] million.So that my brother-in-law will not be unable to turn around because of this unfinished community for the rest of his life. If he loses his own funds, he will lose it. How can he only make money but not lose money in business?

If you want him to recover his investment, you can pay [-] million; if you want him to earn more, you can pay more.

As for how much President Mei is willing to pay, that is your family business.If you are not well-off, I can lend you as much money as you need, without guarantee or mortgage.

This community is divided into two parts, the larger part is the living area for the staff I want, and the name will be changed at that time.The small one can continue to be called Hanlin Mansion, and it belongs to you, Mr. Mei Meng. It can be continued and opened for sale after completion. "

This plan is obviously different from Umenoshi's suggestion.

But Mei Yeshi actually nodded without saying a word, and saluted: "That's very good, thank you! Your valuation of this project is [-] million, which is reasonable, but why do you want to leave me a piece?"

Hua Zhenxing explained: "Employees' living areas should not be too closed and independent, and they need to deal with local neighbors more. There is a residential area next to it and public buildings and commercial tenants, which is more like a place to live.

If the branch of Fangguan Development Co., Ltd. settles in, it will definitely bring popularity to this area.This is also good for Mei Mengzhu to take over the development of Hanlin Mansion. If there is no financial pressure, you can calmly sell it.

In a few years, both the Wucheng branch and this living area will become a large-scale climate, and this area will become lively.

The real estate in the living area will not enter the market for trading, but there is a residential area next to it, and the market valuation can also be roughly referenced.At that time, the staff of the branch office will also know what the housing prices and rent will be in this area. "

Mei Yeshi: "As expected of Director Hua! I don't know when it will be implemented?"

Hua Zhenxing: "Leader Mei needs to wait for a few months. Only when the educational cooperation project between Jiliguo and the Wucheng Campus of the University of Technology is negotiated, can I implement this plan. But no matter what, I will definitely give it to you within half a year. A quasi-letter."

This is true. If the educational cooperation project had not been negotiated, Fangguan Development would not have set up a branch here. If there was no branch, of course it would not have any living quarters.

For the entire construction in progress, Chai Xiang has already invested one billion yuan, which is the basis for the initial valuation of Mei Yeshi.But Huazhen Bank gave it a valuation of [-] million, which is relatively generous, and the bank is only willing to pay a maximum of [-] million to find a third party to take over the deal.

Moreover, Huazhen Bank provided another plan, which is to divide the community into two parts, take five-eighths of it based on the valuation of [-] million yuan, invest [-] million yuan in the acquisition, and build a living area, which is enough for the time being.

As for the remaining three-eighths, let Mei Yeshi buy it by himself.Mei Yeshi wanted his brother-in-law to decide whether to make a loss or to make a profit. Hua Zhenxing would not make up his mind for him.

If Mei Yeshi wanted to help his brother-in-law, let him do it himself.If Mei Yeshi is short of funds, Hua Zhenxing can borrow or even give it away for free. This is his favor to repay Mei Yeshi, and it has nothing to do with other people or other things.

In fact, the value of the talisman that Chong Umenoshi borrowed from him cannot be calculated with money.But that was the favor Hua Zhenxing owed to Mei Yeshi, and he did not owe a favor to a real estate developer in Wucheng.

Umenoshi is also a sensible person, so he has no objection, and immediately agrees and thanks.

There is another reason why Huazhenxing gave this plan of dividing into two. The situation in this Hanlinfu community is completely different from the third phase of Wanshu Garden in Pingjing.

Wanshu Garden has the first and second phases for sale and occupancy, and its housing prices and rental prices have clear references.

If Fangguan Development provides housing for employees in Pingjing, the employees will also know the equivalent benefits.When the company conducts internal operating cost accounting, it can also have a clear pricing standard.

However, there is currently no reference for pricing in this Hanlinfu community. If it is completely turned into a living area and distributed to employees for free, the employees will not even know how much benefits they have enjoyed?If you set aside another area as a residential area, you will know it well.

At this time, Manman interjected: "You guys have discussed this, there are still two questions."

Mei Yeshi: "Oh? What advice does little friend Manman have?"

Manman: "First, we had a good discussion. Will your brother-in-law agree? Second, Fangguan Development will have to wait half a year to implement the project, and the financial expenses for this half year are also a lot of money."

Mei Yeshi smiled: "It's okay, these two things are actually one thing. Now he is not reconciled, otherwise he has agreed to the bank's restructuring plan. But the longer the time drags on, the more he has to recognize the reality. It is the limit of strength."

Chapter 480 The Good Citizen Mr. Shi

For these people on the cloud, this matter can be settled with a few words.

Hua Zhenxing couldn't help sighing secretly in his heart, no matter who it is, as long as it is still practicing in this world, it is impossible not to be unfettered by worldly affairs.Even if the supernatural power is as great as Mei Yeshi, the situation is the same.

Chai Xiang's predicament is also Mei Yeshi's predicament; Jiliguo's predicament is also Hua Zhenxing's predicament.

Stronger than Umenoshi, his younger sister's family is also ordinary people, and within the scope allowed by the laws of the world, it is impossible for him to forcibly interfere with what his brother-in-law does or does not do, so this problem is unsolvable.

The so-called unsolvable means that some things have already happened, or will inevitably happen under the given conditions.

Hua Zhenxing is not Mr. Feng, and he can do different things with different identities, so some things are not easy for him to say.If Mr. Feng were here, he might have scolded Mei Yeshi in the face, or even beat him in the head.

Hua Zhenxing understood now, why did Mr. Feng punish his apprentice like that?Not only because of old man Yang and Yu Daxia, but also to ask Mei Yeshi in a silent way-what if you were an ordinary restaurant cleaner?

Mr. Feng should know about Chai Xiang, but this is Mei Yeshi's housework, and it is difficult for him to explain it clearly, so he asks this way.

People have different ways of thinking about problems, Hua Zhenxing and You Fang have different brain circuits, and Mr. Feng and Mei Yeshi have different styles.

If Umenoshi was an ordinary restaurant cleaner, of course he wouldn't be able to participate in this kind of thing.

But the answer to the question is far more than that simple, and this is not only for Mei Yeshi, but also for Hua Zhenxing.

Mr. Feng should have expected that as long as Hua Zhenxing came to find Mei Yeshi, he would be unable to avoid this.And Mr. Ding probably didn't expect that when he suggested that Hua Zhenxing treat Mei Yeshi as a restaurant cleaner to pay New Year's greetings, he would encounter such a thing.

How can someone visit someone's house to pay New Year's greetings and take over an unfinished community?

After all, Mei Yeshi is not only an ordinary restaurant cleaner, he also has a second identity, the owner of restaurants and wineries, and has the ability to help more.Didn't Chai Xiang discuss it with him, and wanted to ask him to mortgage the winery to the bank for a loan.

But this status may be more uncomfortable than cleaning in a restaurant.If Umenoshi rejects Chai Xiang, the relationship with his parents and sister may even break down.

But if Umenoshi agreed, it would be an even more unwise choice, and the winery and restaurant might even have to pay for it.The general environment of real estate and the small environment of Wucheng area have been decided, even if the community is built, Chai Xiang will not be able to turn over.

The reason why he fell into this dilemma was that it was not Umenoishi's fault at all, so it was impossible to measure what kind of responsibility he should bear.

So what did Chai Xiang do wrong?In fact, he didn't make any mistakes!Because this kind of investment behavior itself does not violate any laws, and investment failure is one of the inevitable results.

No one stipulates that Chai Xiang's investment will inevitably be successful, and his business will be sure to make a profit without losing money.Why, just because he is Mei Yeshi's brother-in-law?If that's the case, the question comes back again, how unfair is this world to an ordinary restaurant cleaner?

But Mei Yeshi is not only the owner of restaurants and wineries, he also has a third identity, the lord of the Three Dreams Sect and the leader of the Kunlun Alliance. He has the ability to help Chai Xiang repair holes without getting himself into trouble.

But what is the point of doing so?It can only prove that Chai Xiang is lucky enough to have an uncle like Umenoshi.

The big and small environment of the real estate industry is like this. There must be more than one project like Hanlin Mansion, and there must be more than one person like Chai Xiang. Can the Kunlun leader save all the real estate developers?

Even if he could be saved, should he be saved?If there is nothing wrong with investing successfully, then there is nothing wrong with investing unsuccessfully. This is a very simple logic.

Continuing to deduce, what is the result?The first result is that Chai Xiang didn't learn his lesson, and I'm afraid he will fall even more in the future. Is it necessary to do the same action again?

The second result is that Chai Xiang has learned a lesson and will be more cautious in his investment behavior in the future.This sounds like a good thing, but it is only meaningful to him personally, and this lesson is too extravagant, how many people can afford it?

The third result is that Chai Xiang was frightened, and he stopped tossing around, cleared up his remaining money and lived a life of his own, and never touched real estate again.This may be more secure for him, but is it really a more meaningful answer?

Obviously not, people always need a house to live in, and there are endless needs for improvement. If no one engages in real estate development, where will the house come from?

So the question becomes how to develop and who will develop it. This is probably what Huazhenxing has to consider.

Mr. Feng should know about this, so he punished Umenoshi to work as a cleaner in the restaurant, and asked a series of questions in this way.

But Mei Yeshi is his own apprentice after all. When Mr. Feng punished him, he also drew some causal opportunities, telling him when Hua Zhenxing came and when he would be punished to end. In fact, he was helping Mei Yeshi.

Because regardless of whether the Hanlin Mansion is unfinished or not, the predicament faced by this community is a fait accompli.Only when Huazhen comes, can we change this predicament, instead of simply letting someone lose a sum of money to fill the hole.

This "little matter" has been perfectly solved at the micro level, but how should we look at it at the macro level?

Why do people like Chai Xiang harvest and bear such great benefits and risks?

At this point in the deduction, Hua Zhenxing was suddenly taken aback again, realizing that he was wrong, because Chai Xiang didn't actually take much risk, at least not as big as he imagined.

From the point of view of ordinary people, if the community is unfinished and there is no one to take over the project, Chai Xiang will be in debt of [-] million or more, and he will not be able to turn around for the rest of his life, but in fact this kind of thing will not happen.

The developer is a limited liability company legal person rather than an individual, and the liability risk is limited to the amount of capital contribution. The worst legal result is nothing but bankruptcy liquidation.

Chai Xiang just included this company and an investment of [-] million yuan, and no other personal assets were involved.People with his wealth usually have other assets, at least they can live without problems.

Even if this project fails and the company goes bankrupt, he can still register another company in the future and continue to do other business.If he had secretly transferred the assets before the company went bankrupt, life would have been much better.

So it is often seen that the bosses of some bankrupt companies are being chased for debts. Why don't these creditors sue through legal means?

Due to the limited role of legal means, if no evidence of false capital contribution or illegal transfer of assets can be found, it can only go through normal bankruptcy liquidation procedures.The company is insolvent, and many creditors cannot get the money, even if Chai Xiang himself is still very rich.

Therefore, many creditors can only come to ask for debts, which are not legal but de facto debts.The reason why many bosses run away is that they don't want people to physically block the door and receive personal threats.

If Chai Xiang encountered such a situation, would he run away or not?Umenoshi has the ability to protect his sister's family from personal threats, but is it fair to those creditors?

What's more, Mei Yeshi is the leader of the Kunlun alliance, his sect power and supernatural powers, is it for this?This is probably the bigger predicament for Mei Yeshi.

Then the question just now becomes, why is it that people like Chai Xiang can reap such great benefits, and the risks they bear are so limited?Maybe there shouldn't be such a thing, throwing people into such a situation.

Mei Yeshi and Hua Zhenxing are both Dacheng monks who have deduced supernatural powers, and they must be able to figure out these things, it depends on how they think about it.

As far as Hua Zhenxing is concerned, he also has a deeper understanding of how the world's masters behave.The mystery of its fate makes people suddenly amazed-it's even possible to do this?

It's the same for old man Yang to go to Zhiweilou to find fault with Yu Cangwu, and it's also the same for Mr. Feng to punish Mei Yeshi in Zhiweilou.

With this in mind, Hua Zhenxing asked again: "Leader Mei, I'm a little confused, why the pre-sale permit for Hanlin Mansion was cancelled?"

Mei Yeshi sighed: "The most direct reason is that Zuming County, Wucheng City also established an economic development zone, and next to the development zone, there is also a project of a similar nature, with similar names, called Imperial Academy.

Chai Xiang had cooperated with that developer before.

The capital chain of the Imperial Academy project was broken, the community was unfinished, the developer went bankrupt and left, but more than 200 houses have been pre-sold, and those who bought the house have to continue to bear the bank mortgage, and many things happened...

Something happened to the Hanlin Academy in Zuming County, so Wucheng Hanlin Mansion did not get a pre-sale permit.In fact, it is right to cancel the pre-sale license. Even if it is not cancelled, the current market cannot solve the problem through pre-sale, but will create more problems.