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

After several years of studying abroad, Jiang Xueying successfully graduated and returned to China.

When Li Xiaofeng arrived at the Jiang family home, he found it bustling with activity. In addition to the three members of the Jiang family, Cao Jinpeng had also come to the Jiang family home.

"Third brother, you're here! Perfect timing! Come and sit down, we were just talking about you!" Cao Jinpeng, abandoning his usual awkwardness and restraint when visiting the Jiang family, greeted Li Xiaofeng warmly like a host.

Li Xiaofeng glanced at President Jiang, then smiled and asked Cao Jinpeng, "Boss, what bad things have you been saying about me behind my back?"

Cao Jinpeng quickly replied, "How could that be? We've all been praising you. To be honest, I regret selling the shares too early. If I had sold them now, I could have gotten at least another 200 million."

Li Xiaofeng smiled and said calmly, "No one can see the future. With stocks, nobody knows what the future trend will be. What if it falls? Your idea of ​​cashing out in time is correct!"

"Third brother, a few of us are discussing setting up a real estate development company together, then acquiring land and continuing development. Are you interested in investing?"

Li Xiaofeng shook his head: "I'm not interested for now. I don't have any money on hand right now. Besides, you know I'm used to doing things on my own and rarely do business with partners."

I came here today to see Xueying. Xueying, have your dad and brother entertain Boss Cao. Or how about we go for a walk together?

Before Jiang Xueying could speak, President Jiang frowned and said to Li Xiaofeng, "Xiaofeng, Xueying is all grown up now and can't act like she did when she was young. If you and Xueying can have a future together, I won't say anything."

"But you're clearly stringing her along. Our Jiang family isn't short of money; we don't need your paltry sums. If you can't give Xueying a future, you should just let her go!"

Hearing this, Li Xiaofeng turned his gaze to Jiang Xueying, who said with a grin, "Why are you looking at me like that? You're not going to marry me, yet you're trying to control me and restrict my freedom!"

Li Xiaofeng gave a wry smile and stopped talking.

What could he say? The Jiang family wasn't short of money, and neither was Jiang Xueying. Moreover, Li Xiaofeng's net worth wasn't much different from the Jiang family's.

At least for now, it doesn't seem to benefit Jiang Xueying much to be with Li Xiaofeng, either for the Jiang family or for Jiang Xueying herself.

At this moment, President Jiang said to Jiang Xueying, "Xueying, what are your thoughts on what I told you a few days ago?"

Jiang Xueying, however, turned to Li Xiaofeng and asked, "Xiaofeng, what do you think about this?"

"What's going on!"

“My parents told me to sell my stocks and invest in the real estate market together!”

What the Jiang family lacks right now is not money, but a more far-sighted investment vision. If Li Xiaofeng wants to be more valuable in the eyes of the Jiang family, he must demonstrate his strategic investment capabilities.

So he smiled and shook his head, saying in a calm tone, "From your personal perspective, I don't recommend that you do that."

One reason is that Wanzhong Media's stock is still in an upward trend and has considerable room for appreciation. I will notify you in advance when I want to sell.

Another point is that, from the perspective of current policies and interests, developing real estate is far less profitable than speculating on houses!

Cao Jinpeng frowned slightly, looking puzzled, and said, "That's impossible. When we develop real estate directly, it's like getting first-hand access to the source of goods. How could it be less profitable than speculating on houses?"

Li Xiaofeng shook his head again and said with a smile, "Although the government has introduced policies to increase the down payment amount, speculating on houses can still increase bank leverage by 3 times."

Under normal circumstances, real estate development can only increase bank leverage by one to two times. In addition, real estate companies' loans are commercial loans, which have higher interest rates. With the addition of some gray fees, the interest rate is about 8 to 10 percent.

The mortgage interest rate for houses that can be speculated on is around 6%, and the procedures can be handled officially with no gray areas to be exploited. Furthermore, a significant portion of the loan interest can be reduced through the rental income of the property.

More importantly, real estate speculation allows investors to directly acquire existing properties without the risk of losing everything due to a broken capital chain midway through the process, and also allows them to choose properties in better locations.

As a developer, you can only passively choose a location for your properties. Moreover, the development cycle of a property project from scratch is generally more than three years.

The returns over these three years will definitely be far lower than those from real estate speculation, and what the market environment will be like three years from now is hard to say.

In this day and age, real estate speculation is common knowledge and hardly a trade secret. Furthermore, since Li Xiaofeng's real estate speculation was all done through the Jiang family's agency, the Jiang family must have known about it.

Therefore, Li Xiaofeng's analysis was merely a brief interpretation of his own business practices, and can be considered just one person's opinion.

Jiang Chengye retorted, still unconvinced, "According to you, all those big capitalists are fools? Why are they all engaged in real estate development instead of speculating on houses?"

Li Xiaofeng sneered and said in a nonchalant tone, "Do you think they don't want to? Look at what that richest man in the Hong Kong area, Li, is doing. After he bought the land, did he rush to develop it?"

And the villa complex he developed in Shanghai, is it only for rent and not for sale?

Do you think they don't want to speculate on real estate? It's just that their capital is too large. If they were to speculate on real estate, it would seriously disrupt the real estate market and anger the higher-ups.

Only our domestic real estate companies, like a bunch of hardworking oxen, are foolishly developing projects and then frantically selling houses.

However, judging from the current situation, some well-established real estate companies have also learned to hold onto their properties, but this year they encountered policy adjustments and a significant drop in housing prices, leaving them with unsold inventory.

After hearing Li Xiaofeng's words, President Jiang lowered his stance slightly and asked Li Xiaofeng in a friendly manner, "Xiaofeng, the situation is like this."

The real estate market is sluggish right now, and one real estate company is facing a cash flow crisis. They want to sell a piece of land to us, and we think it's a good opportunity. What do you think?

Li Xiaofeng smiled and said, "I've said everything I need to say. You need to make the decision yourselves."

Jiang Xueying smiled and said to her father, "Dad, since Xiaofeng has already said so, I'll listen to him. I trust his judgment!"

Li Xiaofeng smiled and said, "With the shares you hold, you can still get at least 3 million yuan in loans from the bank. The real estate market is still in a slump, and the banks' funds are not too tight. It shouldn't be too difficult to get this loan from the bank."

I've roughly calculated it for you. Use 200 million to speculate on real estate, and the remaining 100 million should be enough to cover your mortgage payments and commercial loan interest for two years.