Hea lives rich: businessmen who have been bought

One day, I talked to a business friend about tea and talked about the property market. He said that he had recently tightened the building but was forced by the bank. Why don’t you explain this?

This friend’s business has grown bigger and bigger in recent years, with more than one billion business a year. Conspiring to go public does not matter. If you want to make a big cash flow, many listed companies may not even want to “do”. Because of the number of nature and financial technology, countless gods are difficult to change.

However, as a private company, there is good cash flow. The advantage is that it is easy to borrow.

Ordinary wage earners, even if more than ten thousand and one million months, buy up to 10% of the residential property up to 50%, industrial and commercial paving spaces up to 40%, ranging from 3%, and stress test and tax bill, Zhong want to have a head, difficulty The score is nine points. Even if you want to buy real estate investment in a few months, the property market will be a two-stop period.

But if you do business, you will have different ways of speaking. As long as you have a bank account, you can use 90% of the money to negotiate with you.

A friend is already an “old partner” of the bank. Moreover, people who have always borrowed money and do a good job, but want to borrow it again, find that there is a deal for a player who does not hold a “top person.” Asked clearly, the original poor in the building!

The head of the loan and loan department told him that all business people would buy a building if they had a good business. “Your business is good, you buy a building, and you’re convinced…”

Salted fish life at home

scare? ! Is it true that the real money and silver documents and the pay-and-pay taxes are not as convincing as buying a flat? Of course, there will be business ups and downs. This year will be one billion, and the next year will be 100 million won. You intimidate 100 hairs in the same year as the previous year…

Call you loan at that time, and you will be smelted in real time. The building will be with you, mortgaged to the bank, and your colleague will give you a better account.

Beheading period? With the purchase price, you will be able to catch up with the first batch of money, and you will have a batch of loans. In two or three months, you will even have to pay the full price of the loan in the first period. The manager of the bank sees how many money he earns, and there are a lot of cash flow business people. These ten years are based on the appreciation of the building and then on the appreciation of the building again and again and again and again.

Another friend in Hong Kong, who bought a flat, said, “Oh, listen to you. Hong Kong’s current property market is the same as 1997. It’s a big explosion, so I’m going to do it!”

So people usually determine the status of the head. In Hong Kong, unlike mainland China, Hong Kong people’s desire to start their own businesses is not high. Ten people may not necessarily have one business, and they are aggressive and few, with little influence. With the squeaks everywhere, ordinary wage earners have already regained the floor of the self-occupied house, and have not been able to borrow as much as they do business.

However, if the real estate market is actually retrenched by 20-30%, the high loan-to-loan ratio of “buyed out” businessmen will be the first swimmers to be found without swimming trunks.