Only after being reborn did I realize how fascinating the world of the rich is.

After 2004, the average house price in Shanghai rose from 5100 yuan/square meter last year to 6300 yuan/square meter, an increase of about 25%.

Since 2000, Li Xiaofeng has purchased 400 million yuan worth of real estate at a rate of 100 million yuan per year.

This year's housing prices have increased by 25% compared to last year, which means that his assets have increased by 1 million yuan compared to last year.

So, Li Xiaofeng invited Liu Shasha to his villa to discuss the loan.

"Wow, you've really struck it rich these past two years. I remember you used to live in a one-bedroom apartment, but now you've jumped several levels and are living in a villa, and a detached one at that."

Liu Shasha's eyes were full of envy, sparkling with admiration, as if she couldn't wait to move in.

Li Xiaofeng smiled and said, "That was just a transition before. A one-bedroom apartment is enough for me. Now I'm preparing to settle down. I have some money in my pocket, so of course I want to make myself more comfortable."

"Wow, really? You're keeping a little girl upstairs?" Liu Shasha exclaimed, as if she had discovered something amazing. She looked at a little girl wiping the furniture with great curiosity.

Li Xiaofeng smiled and said, "This is the younger sister of a friend I made when I was in the detention center. Her name is Xiao Pingping. Her family is quite poor. I originally gave her tuition and basic living expenses so that she could study hard."

But she insisted on taking on a part-time job to save some money for herself!

I told her that if she really wanted to work part-time, she might as well come and clean my villa. It would be a good way for her to relax after her studies!

Unexpectedly, after I quoted her a price higher than the market rate, she readily agreed to work for me. Don't get me wrong, there's nothing between us, just an employer and customer relationship!

Then, Li Xiaofeng dragged Liu Shasha up to the second floor.

"What are you doing? Didn't you want to talk to me about something? The living room is downstairs. Why did you drag me here?" Liu Shasha was blushing, but she put on an innocent expression.

Li Xiaofeng said with a grin, "I prefer to talk things out in the bedroom; lying down is more comfortable than sitting!"

"No way! Is this how you ask for a favor?"

"It's okay, we're like family, it doesn't matter who asks whom for a favor, you can think of it as you asking me for a favor!"

"You jerk! I hate you! I don't want this anymore, I want to go home!"

Today, Liu Shasha was dressed in a beige women's suit, with a white shirt underneath, a pencil skirt, black stockings, and black high heels.

This kind of outfit can show both the poise of a strong woman and the allure of a sophisticated woman.

Clearly, they had dressed up carefully before coming, anticipating the storm.

In addition, it was just after the Lunar New Year, and it took a lot of courage for a woman to dress like this, after all, beauty comes at the cost of freezing.

.......

Two hours later, Liu Shasha nestled in his arms and asked with some concern, "Your debt level is already quite high. Shouldn't you seriously consider the debt problem? Are you still planning to take out a loan from the bank?"

Li Xiaofeng kissed her on the cheek and said with a smile, "Haven't you noticed that the more fixed assets I have, the more they appreciate each year?"

Besides, I also own an advertising company valued at over 20 billion yuan. Do you think I can't repay your bank loan?

Liu Shasha still said with some concern, "If housing prices keep rising, of course I won't worry, but how can housing prices keep rising?"

Given your current debt level, if housing prices fall by more than 20%, all your assets will likely be wiped out, including your advertising company.

After all, your advertising company is only valued at 2 billion, not in terms of market capitalization. If the bank were to auction off your company's shares, it wouldn't be based on your valuation.

Furthermore, the government has issued a document prohibiting real estate companies from offering zero down payments, and banks have also tightened their policies in this area. Going forward, if you want to buy a house, you'll need to pay at least a 20% down payment.

Li Xiaofeng smiled and said, "I know what I'm doing. Just tell me how much more money you can help me borrow this time!"

"From a policy perspective, you can get a loan of about 6000 to 8000 million yuan based on your net worth!"

"Then help me get another 8000 million in loans!"

"Wow, you're borrowing so much!"

"The more money I have, the more houses I can buy, and the more commission you can earn from that, right?"

"But if you can't pay back the money, I'll be in trouble too!"

"If you can help me get a loan of 8000 million from the bank, even if I only have to make a 20% down payment, I can still buy real estate worth at least 3 million."

In other words, you can get at least 90 yuan, which is almost enough to buy another house for your daughter in full. Isn't that worth it?

Besides, I've built up this business to its current size, so I have a pretty good understanding of the economic situation. I'm not worried about going bankrupt, so why are you worried?

Liu Shasha frowned and continued, "Xiaofeng, do you know? There are long queues of people buying houses in many properties in the city now, and there are quite a few speculators like you."

At the current rate of housing price increases, I estimate that Shanghai will definitely introduce some restrictive policies to curb price increases, and also to curb speculators like you!

"Sister Sasha, there's a saying that goes, 'A man can't get rich without unexpected wealth, and a horse can't get fat without night grass.' I've seen how popular those properties in the city are, but in my eyes, they're not popular enough!"

I estimate that the housing market will continue to heat up. At this time, buying is a sure way to make money. Many ordinary people have already figured this out, so I certainly can too!

Don't worry, I won't be too greedy. I've already decided that I'll sell all my real estate before the end of this year. If I don't make this quick money, I'll be letting myself down!

Furthermore, since I'm aiming for a quick in-and-out strategy in this property speculation frenzy, and don't need to consider rental yields, I'm skipping office buildings and focusing instead on residential properties that are easier to resell!

"But now you have to wait in line to buy a house, it's not so easy to buy one anymore!"

"Then we can hire people to queue up. Also, we don't necessarily need to buy those newly opened apartments; we can buy second-hand apartments around those developments!"

"Alright then, I'll submit your loan application first. Also, I'll help you find some suitable properties in advance. Don't blame me if anything goes wrong later!"