Rebirth of the Almighty Internet Celebrity

Chapter 111

看吴瑕掰着手指头，计算10年按揭、20年按揭、30年按揭，这几种房贷各自需要每年支付多少房贷？分别得出1000万到1600万之间的年还款金额。

Eh!The most "easy" "monthly payment" has to pay about 100 million per month.

This time, even Wu Xia couldn't jokingly say "it's equivalent to hiring Hua Yishan with a high salary" to describe the monthly payment pressure.

The pressure of the monthly payment ranging from nearly 100 million to as much as 150 million is not only hiring one more "Hua Yishan", but even ten more Hua Yishans!

Liang Teng's plan is closely linked, and the continuity is very strong.He firmly believes that he can accumulate amazing wealth in a very short period of time.

At least, he will get the 3 million he revealed to Wu Xia.

But isn't it really available now?

So it is still a stage of worrying about money.

Don't be overly optimistic.

Liang Teng wished that Wu Xia would take the initiative to mention his huge pressure to repay the loan, so that he could open his mouth and make some "excessive demands".

Liang Teng straightened his face and decorated a suitable sadness.

He said slowly: "Who says it's not? The monthly payment is one or two million, and my family doesn't run money printing machines. The pressure is huge. Wu Xia, you have a lot of experience, a lot of contacts, and a smart mind. Can't you help me think of a good way to reduce the burden?"

When Wu Xia heard the young boss call her by her name "Wu Xia" instead of "Mr. Wu", she was happy instead of complaining.

This proves that Liang Teng treats her as a good friend to ask for advice, instead of turning a relaxed and leisurely "breakfast meeting" into a serious "saving the nation meeting" for the company's top executives.

Director Liang regards her as a good friend, Wu Xia is of course happy.A sense of loyalty arose in my heart to help my friends solve their problems.

"Why don't you? Liang Teng, if you really need capital urgently, why don't you sell all the land and real estate you have in hand?"

Wu Xia thought for a while, but couldn't think of a good move.

I had no choice but to "make a bad move": "Anyway, if you add one piece of all your real estate, the value can reach 3 million. Sell it directly for 3 million. If you are more optimistic, you may be able to sell it at a premium of tens of millions."

Liang Teng was not so optimistic.

"When selling second-hand real estate, you must be mentally prepared for a 'protracted war'. Pay attention! That is a real estate with a total assessed value of 3 million. Maybe you don't have a deep idea in your mind for a while. I will tell you Tell me."

"The specific data is like this - there are 150 houses within 97 square meters; 100 small plots of about 37 square meters; 20 large plots with an area of ​​more than 3 mu, with a total area of ​​90 mu... ..."

"Wu Xia, look at such a large number of properties and plots of land, and even three large contiguous plots of land. With such a considerable number of properties in hand, it is no problem to set up a 'real estate company'. But, have you ever seen Which real estate company can sell 137 houses and land in just one or two months? You don’t know, some houses that are not easy to sell are listed in an intermediary company and sold in two or three years There are all of them."

Wu Xia was dumbfounded.

After a long while, he found his voice: "Liang Teng, did you go and raid the Dragon Clan's lair? Otherwise, how could you have so much money to buy land? There are 97 houses and 37 pieces of small land. What's even more exaggerated, I purchased three large plots of land with a total area of ​​3 acres...are these real estates from legal sources?"

Liang Teng felt guilty about Wu Xia's last question.

I thought to myself: The real estate I purchased with real money from "Chairman Liang who fled overseas" should be regarded as a legitimate source.However, this source cannot be truthfully told to Wu Xia.

Also, I'm just planning to buy one.Haven't got it yet, but the hope of buying it is quite high.It is not advisable to leak too much information at this time.

Liang Teng then said vaguely: "All real estate has real estate certificates and land certificates."

Wu Xia didn't pay close attention, thinking that what he meant was that everything was legal and compliant.

Wu Xia nodded and said: "That's good. I'm still a little worried that the 90 mu of land you bought is farmland in the countryside or something. It really is the 'agricultural land' protected by the policy. Although the area is large, the value But it’s not big. It can’t be used as a mortgage loan, and it can’t be used for normal transfer transactions.”

"Those unlicensed agricultural land can only be traded privately with some small bosses who are greedy for cheap. Even if they buy it, they will not pay too high a price. Let's put it this way, if your 90 mu of land has no legal procedures, every Mu can only be sold for 1 to 2 at most, and the total price of 90 mu is less than 200 million. What can you do with this little money?"

"I understand this too."

Liang Teng said: "The 90 mu of land not only has formal procedures. Moreover, it is not a collective land, but a formal state-owned land. Three land use right certificates have been issued respectively. The land transfer fee has been paid, which belongs to 'transfer' nature."

The implication is that the value of those land and real estate is 3 million yuan, which has been scientifically evaluated, and it is really worth that price.Not overrated.no need to worry.

Wu Xia said: "You have already owned such a large amount of real estate. No wonder Liang Teng you don't like mortgages to buy 70 houses. I dare to expect that it will take ten years of investment. Even if you don't act, Liang Teng, you will already own it. Just wait for prices to go up."

Suddenly, Wu Xia frowned: "No! How come these 97 houses, 37 pieces of land, and 90 acres of large land are valued at 3 million yuan? Such cheap land and real estate cannot be from first-tier cities. Well, You have been talking about 'Fengyuan District' before, so the house and land prices in 'Fengyuan District' are so cheap?"

"I didn't say it was in a first-tier city. If I had so many 'fixed assets' in a first-tier city in the early morning, why should I bother. Just sit on the ground and collect rent."

Liang Teng said: "I've always emphasized the need to find contacts in the 'Fengyuan District'. Of course, the real estate mentioned are all from the 'Fengyuan District'. Now you fully understand? It is not easy to sell large quantities of real estate, let alone Houses in the 'Fengyuan District' of the fifth-tier small cities are even more difficult to sell... Theoretically, those houses can be sold at this price now. But I don't know how long it will take to sell them for cash."

"Selling directly is time-consuming and labor-intensive, so you plan to take out a bank mortgage loan of 3 million yuan, and then invest in first-tier cities. But now there is another problem, you think the loan is 3 million yuan, and you have to bear tens of millions of interest every year Too high."

Wu Xia clarified Liang Teng's thinking and action steps, and felt quite embarrassed: "If you want to take the right path, how can I help you? Otherwise, I would like to ask Mayor Xie to negotiate with the bank to see if we can negotiate. The best interest rate for you."

"This is not necessary!"

Liang Teng waved his hand angrily: "Even if we can save millions of dollars in interest every year, it won't help. Mayor Xie's face is not limited to the one million. I have a suggestion. Look at the bank's way of thanking you. For the sake of the mayor, can it be done?"

"Oh? Liang Teng, do you have any new ideas? Talk about it. You have the most flexible mind, and maybe your idea is the best in the end. The most feasible." Wu Xia suddenly became interested.

"I dare not take this."

Liang Teng said: "Suddenly an inspiration came to my mind, and I came up with a new idea: You expected to borrow 3 million yuan directly from the bank because of Mayor Xie's face, right? This part can be followed without any changes. I just think that after we have loaned out 3 million yuan, at the right time, we will directly inform the bank that our company is no longer capable of repaying the loan and cannot continue to repay the loan. Not only the principal, but also the interest cannot be repaid... ..."

"In this case, I apply to the bank to directly dispose of my collateral - which means that I and the bank will be cleared from now on and the debt relationship will be terminated. Do you think I can do this with the mayor Xie's face?"

Wu Xia looked at Liang Teng with a "monster" look.

After a long while, I murmured: "You are selling all the 'fixed assets' you own to the bank in a disguised form. And it feels like buying and selling by force, and the other party is not allowed to bargain at all. If you don't buy it, you can't do it! "

Liang Teng laughed dryly.

If you think about it carefully, it really has that meaning.

However, Wu Xia's voice was a little hesitant, and seemed to be uncertain: "Your way of thinking is not absolutely impossible in theory. But when it comes to practical operation, it is very difficult to do. It is extremely troublesome."

"You also said before that even if you find a professional 'real estate agency' to sell such a large number of houses, it is very difficult to sell. It's not that the house and land are not worth that price, but that it takes time to 'digest' it. Maybe, It even takes a few years. The bank itself is a financial institution, so how can there be so much spare time to help you sell the house?!"

"I think some bank employees are so busy!"

Liang Teng said with some disdain: "A lot of bank employees work part-time to sell insurance. In the good-looking bank service hall, they set up stalls for insurance sellers to 'sell business', so what? I have experienced it myself, go to the bank counter Withdraw large amounts of cash and be directly dragged by the staff at the counter to sell insurance and wealth management projects.”

Liang Teng did not lie.

However, being dragged by bank counter staff who are not doing business properly to promote wealth management services, those things happened in the past few years.

It was gradually standardized in later generations.The staff in the bank's business office can't do such nonsense.

Wu Xia said: "Anyway, it's really troublesome. Mayor Xie will definitely not refuse to help because of my family's face. And the person in charge of the bank she came forward to find is out of her face, so it's not like she won't help... Hey! You have too many mortgaged houses and land. The total area is also too large. If you really want the bank to sell the house for you, it will become a joke if it gets bigger. It’s just a joke. Once it makes the news, it’s not good Clean it up."

"It's because this matter is a bit tricky, so I need to find a 'connection' to clear it up."

Liang Teng said confidently: "The key point is that all the real estate I provided is indeed worth 3 million yuan. As long as you don't travel on this point, even if things get serious, Mayor Xie and her confidant mayor can stand up .”

"I don't mind that when it comes to the critical moment, they put all the responsibility on me, saying that I am unable to repay the loan. What's the matter? Of course I am really unable to repay."

"How many people who bought a house with a mortgage loan were forced to choose to 'cut off the mortgage' after being unable to repay the loan. Your bank can just dispose of the mortgaged property. What else can you do? In fact, my purchase is also related to the 'cut off' mortgage. Just treat everyone equally. It's just that I'm just a super-sized 'house slave'."

"Could the bank still be able to predict the consequences of giving me a loan? So in general, the responsibility of the person in charge of the bank will not be too great!"

Wu Xia listened to him explaining himself a lot. Although it was fallacious, he could barely justify himself.

Of course Wu Xia knew: Liang Teng needed her "connections" to help him deal with the problem, because he didn't want to have to bear the "bad debt relationship" with the bank all the time, and that would require a credit report.

Even if Liang Teng may not borrow from the bank again in the future, but if there is a way to deal with the bad credit records that may arise, Liang Teng certainly wants to deal with it.

If it wasn't for the above considerations, Liang Tengheng would have made up his mind to do this, and he wouldn't be afraid of being an "old lai". Then he got a loan of 3 million yuan, and if he didn't repay the loan on a monthly basis, he wouldn't be able to repay it.

What can the bank do to him?

But after all, Liang Teng wanted to run and develop the company for a long time, and dealing with banks would be indispensable in the future.That's why I thought about destroying the loan contract signed with the bank through the relationship.

Wu Xia sighed and said, "Okay, let's wait for Mayor Xie to introduce the person in charge of the bank, and then we'll tackle her. It may be difficult, but the other party will actively help you settle the collateral .Although you have to take some risks, it may not necessarily lead to big troubles. Bless Mayor Xie with enough face, the other party will settle your 'bad debt' in a very short time in order to curry favor with her."

"It can't be said that it is particularly bad. My account. The value is commensurate with the loan amount. It's just that the bank has to go through an additional procedure of 'auctioning' the real estate. If all the real estate is auctioned off, the total amount recovered by the bank may be less than The 3 million is still a little over [-] million. The extra money should be given to me according to the law. I also said in advance, no, it is equivalent to paying the interest of the bank." Liang Teng said so generously .

"Go ahead and dream. How dare you think about it! More than 1000 million in the auction, as interest? You have to think about it, after our previous tossing about the evaluation price and loan amount, the bank is actually equivalent to using the mortgage At the real price, a loan of 3 million yuan was issued to us. That is a loan at 100% of the appraised price."

"It's really come to the point of auctioning the collateral. If there is no auction at a discount, who will bid for the house? At least the starting price is half of the market price. It is easy to succeed in the auction. And the final transaction price exceeds" It's hard to say how much the starting price is, but it's absolutely impossible to reach the market price!"

"Based on this calculation, we really need to quickly dispose of 137 mortgages. The original value of 2.5 million yuan may only be auctioned for 1000 million yuan. Can the auction be more than [-] million yuan in premium? Go ahead and dream." Wu Xia is also experienced.Said angrily.

Liang Teng laughed dryly, feeling that Wu Xia's analysis was more reliable than his own.

He said: "That's not a big problem. As long as we dispose of those collaterals in the shortest possible time and cancel my debt contract with the bank, everything will be easy!"

"Don't say that the bank can 'digest' 5000 million bad debts on its own. Even if I can't digest it, I have [-] million in hand, and I can help the bank digest some of the bad debts. Anyway, we will talk about it at that time. First, it depends on whether your network is strong enough. At that time, I can dispose of the debt contract I signed with the bank. Everything will be fine without affecting my 'credit investigation'."

Wu Xia nodded.

The top executives of the two companies chatted for a long time.

Finally, a preliminary action plan was reached.

Wu Xia decided to leave in the afternoon and go to "Nanbian City" in person.She asked Mayor Xie for help, although she was confident that she could get help from him.But to be on the safe side, and at the same time give respect to the other party, Wu Xia thought about it and decided to go to Nanbian City in person.

If this kind of entrustment can be discussed in person, it is better to do it in person.

Nanbian City is not far from her here.It only takes an hour to drive there by yourself.

Wu Xia originally thought that it would be enough to go to "Southern City" alone.Liang Teng needs to "deliver" two and a half songs to Hua Yishan, and he probably has to take time to retreat and create.

Unexpectedly, Liang Teng stated that he would go to the "Fengyuan District" for business, and he would take a car together in the afternoon.See the mayor of the south and disappear first.Liang Teng agreed with Wu Xia, just drive past the "Fengyuan District" and leave him there.

The two made plans for the afternoon.We chatted about some topics of interest to everyone.

When I was ordering something, I felt that there were a lot of "seafood porridge" and a few side dishes, and before I knew it, they were all gone.

Liang Teng ate the most, and Wu Xia ate a lot.

After eating, I looked at the time and it was past eleven o'clock.It's almost lunch time.

This meal for the two of them is equivalent to eating breakfast and lunch together.

The account has already been settled in advance.

Wu Xia and Liang separated after vacating the "Ke Lai Ju".

Respectively return to the district.

Make an appointment to gather at 01:30 in the afternoon and set off.

It's like going back to rest for two hours.

After returning to his residence, Liang Teng lay on the bed, his mind clear and sleepy for a while.

Then let's think about it, the "clan" who made an appointment last night to meet this afternoon.

Yes, Liang Teng did make an appointment with a "fellow racer" to meet him early.

And the meeting place was chosen in the "sealed source area".

It can be said that Liang Teng has long known that Wu Xia is very familiar with Mayor Xie of Nanbian City, the kind of relationship that can make Mayor Xie gain face.

Otherwise, Liang Teng wouldn't have made an appointment with his "clan" with the surname Liang on the time and place to meet.

The plan formed in Liang Teng's mind can be described as interlocking, and any link "off the chain" will not be able to achieve his final expected goal.Liang Teng had to find the connections in the "Fengyuan District".

After the banquet for Qi Dahai was over last night, Liang Teng and Wu Xia sent the guests to their temporary guest rooms.

Because the two people lived on different floors, Liang Teng asked Wu Xia to send Qi Dahai and his daughter, while he personally sent Hua Yishan.

Taking advantage of that opportunity, Liang Teng didn't come out, and directly asked Hua Yishan if she had any reliable connections in the "Fengyuan District"?
Hua Yishan has been to the "Fengyuan District", so she knows that the mayor of the south is now Xie Lan.This one is said to be a relative of Wu Xia's mother's side when she was alive.

Hua Yishan told him jokingly: Wu Xia's face is more useful in front of Mayor Xie than her.Why look far away?If you want to find contacts in the "Fengyuan District", asking Wu Xia to come forward to find Mayor Xie is the most effective.

Liang Teng knew about it, so he made an appointment with his "clan" in the "Fengyuan District" on the phone with confidence.

Who do you want to meet with in the "Sealed Source Area"?What trade would you like to make?
This time, Liang Teng didn't reveal a single word to Wu Xia.

No matter the success or failure of the matter in the future, he didn't intend to tell her.

It's not that I'm worried about Wu Xia's loose mouth, it's that the person Liang Teng wants to meet this time is very special!The deal to be discussed is even more special!
It feels like there are some "shady" flavors!

Moreover, it was impossible to explain why he, Liang Teng, was able to grasp the "shady" information?
It's better not to let Wu Xiamang get involved in this special deal.

It's not that he can't trust her.

I don't want to make things that are already special, more complicated.

That fellow named "Liang Qunxin" was from the same village as Liang Teng, and he was the best celebrity.

Liang Qunxin is in his early fifties this year, and he is considered to be of Liang Teng's previous generation, the same generation as Liang Teng's father.

Although there are not people who worship ancestors in the same "ancestral hall", there is a "Liangwuzhai" in the village where Liang Teng lives, with about 300 families. Liang Qunxin was also the No.1 person in "Liangwuzhai" in the past.

Why is it said to be the No.1 person in the "old days"?
Because Liang Teng is now developed, he has successfully become the No.1 person in "Liangwuzhai".That Liang Qunxin naturally retreated to the second place.

The reason why Liang Qunxin has been able to occupy the No. 1 position in "Liangwuzhai" for more than ten or twenty years is because he is the biggest "official" who has come out of Liangwuzhai.

It is said that it is the biggest "official", but it is actually a "standard" official at the level. The department level on the field.

Liang Qunxin's real position is the chairman of "Fengyuan District Investment and Construction Co., Ltd."

Such an investment and construction limited company is a wholly-owned enterprise under the jurisdiction of the "Fengyuan District".And Liang Qunxin, who is the chairman, is the confidant of the top leader in the district.

Many major "infrastructure" projects in the district, old city renovation projects, various public-led real estate development projects...all of them are handed over to the "Fengyuan District Investment and Construction Co., Ltd." to operate. .

Therefore, "Fengyuan District Investment and Construction Co., Ltd." is not an administrative unit in name, but it has more power than many administrative units.

It is recognized that it is rich as oil.

Some people even discuss in private that this "Fengyuan District Investment and Construction Co., Ltd." is equivalent to the personal coffers of the top leaders.

Liang Qunxin has worked in such a position for more than ten years, and naturally made a lot of money.

Every year he returns to his hometown to worship his ancestors, and the scenery is infinite.

Whenever something happens in his hometown that requires everyone to donate money, such as rebuilding the "ancestral hall", Liang Qunxin always donates [-] or [-] yuan.

Every year, "Liangjiazhai" will hold a "Community Birthday", with dozens of tables and banquets.People over the age of 65 can eat a big meal for free.Young people can also participate in the banquet if they pay.

This kind of annual "community birthday" also requires money.

Liang Qunxin will donate 1 yuan every year no matter whether he comes back to have a banquet or not.Therefore, since the establishment of the "Council" in Liangwuzhai, Liang Qunxin has been the chairman of the board every year.

Even if it is of a "named nature", it must be done by him.No one else can get involved.

In this way, Liang Qunxin became a celebrity in the village.

But in recent months, Liang Qunxin suddenly became abnormal.I will no longer participate in all the affairs of "Wu Wu Zhai", and I will no longer see him intensively donating to the public welfare in the village.

It seems that he is deliberately fading out of the sight of the villagers.

Even if Liang Qunxin kept a low profile and Liang Teng suddenly became rich in the eyes of the villagers, it would be difficult to shake Liang Qunxin's position in the hearts of the villagers in a short time.

Liang Teng was at most within the scope of the "Liangwuzhai" in his village, and had earned a greater reputation than Liang Qunxin.

Liang Teng was familiar with Liang Qunxin not only because he was a celebrity in his village, but more importantly because Liang Qunxin made a big news in later generations.

(End of this chapter)