Chapter 5063: Personalized Customization

They refused to provide a loan? Lin Feng thought about these words.

If the four major banks really want to refuse loans, it is not impossible. Their shamelessness has long been known to everyone. It is not impossible for them to decide not to provide housing loans to people across the country.

"Mr. Lin, if the four major banks cut off supply, how will people buy houses?" Wang Jianlin asked.

"I have two suggestions!" Lin Feng held out two fingers.

"Which two?" Wang Jianlin's eyes flashed with anticipation. He also thought about this issue for a long time, but to no avail. The four major industries cutting off their confessions is a very serious problem, but he has no way to solve it.

"The first one is to cooperate with foreign banks to provide mortgage guarantees to the people. I believe foreign banks are very interested." Lin Fengxiao said, "After all, this is about making money while lying down. And China's mortgage suspension rate can be regarded as the highest in the world. Minimum. As long as ordinary people buy a house, they will basically stick to it and pay off the mortgage. It can be said that this money is completely risk-free. In the past, foreign banks had no chance to come in. Now I can give them the opportunity. . They provide the funds, we provide the platform, and everyone shares half the profit!”

Wang Jianlin thought about it and realized that this was indeed a solution. Before this, foreign banks naturally had talks with the four major banks. But it's very simple. Will the four major guilds agree to give up this fat and share the profits with others? This is obviously not possible. But Lin Feng's China United Bank is no problem. Now that banks are short of money, if the four major banks do not provide loans, it makes sense to look for foreign capital.

Although the country may have some opinions, in this matter, it is useless to have opinions. If you don't lend money and don't give money, then you have to sell your house, and people have to live in housing. so. Basically, if Lin Feng promotes it, there will be no problem.

"What about the other one? I think this one might be the one you are more optimistic about." Wang Jianlin asked.

He has done research on Lin Feng. No research. Without understanding, it would be impossible for him to rashly cooperate with Lin Feng. After all, Wanda was created with his hard work and effort. There was no way he would compensate Wanda without doing any preliminary investigation. Judging from his understanding of Lin Feng, Lin Feng always gives the answer that is most satisfying in his heart.

"Haha, Mr. Wang, you really know me. My second suggestion is to let your real estate company provide loans directly!" Lin Fengxiao said, "After you build the house, you will directly negotiate with all the residents and provide them with Housing loan. Every month, all residents can pay the mortgage directly into their account. That’s another income. The only trouble is your capital turnover.”

"Not only is there a capital turnover problem, there is also a qualification issue. We do not have such qualifications. We are not a bank!" Wang Jianlin said with a frown.

"Haha, it's very simple. We, China United Bank, can provide a platform, and all your funds will be transferred from our account, China United Bank. That will be no problem. Isn't it!" Lin Feng laughed.

If so, then there will be no problem with qualifications. In this way, as a real estate company. Profits increased again. The problem of profitability if land prices do not fall but house prices fall is basically solved. After all, the interest on housing loans is really a big part of the profit.

But the problem still lies here, and that is funding. They don't have the funds. Financing is already difficult now, and the funds they have on hand are barely enough to operate. If they provide the housing loan, they will receive money every month, but this money will not be enough. But it is not enough for them to continue to develop other properties. This requires waiting for some time until the funds are withdrawn.

Only then can we continue to develop. Calculated this way, the cycle is too long. Although more profitable. But if the cycle is too long, the profit per unit time will drop. This is a good thing in the long run, but in the short term, the profit decline is too obvious.

Lin Feng chuckled.

"It's easy to talk about the funds. You build the building first. As for the funds, by the end of the year, my bank will have some relief. Then, come to us for a loan!" Lin Feng smiled.

At the end of the year, the financial crisis completely broke out. By that time, I had money. At that time, part of the money will be transferred to the bank, the bank will provide loans, and you will receive a little interest, and everyone will be happy.

End of the year? ! Wang Jianlin frowned. There will be funds at the end of the year, which is not a small thing. Where will Lin Feng's funds come from? It is impossible for his company to make so much money in a short period of time. If Lin Feng listed the company, it would indeed be able to raise most of the funds, but not that much. After all, Lin Feng’s most profitable company is Phantom Technology, which is also a cash cow. If listed, the market value will exceed 100 billion US dollars. But the difference is more than ten trillion yuan or hundreds of billions of dollars. Where did Lin Feng get so much money?

But since Lin Feng admitted that he was rich, he naturally had Lin Feng's channels, and it was hard for him to say anything more.

"Then I will wait and see. I will start the comprehensive construction of the real estate as soon as possible!" Wang Jianlin promised.

"By the way, Mr. Lin, I have one more question. I'm just curious. If you can, just say it. If you can't, forget it."

Lin Feng shrugged and motioned to Wang Jianlin to ask. He believed that Wang Jianlin would not ask anything too outrageous. After all, he is not as young as himself and will not ask random questions. He knows very well what questions can and cannot be asked. Since he wants to ask, it means that he should be able to answer this question.

"Those small and medium-sized real estate developers, now they have demolished all the houses, what should they do? Where are you going to get the money for your "Fundraising Inscription"?" Wang Jianlin asked again about the topic just now.

The topic just now was about the four major banks refusing to lend to ordinary people, and the topic went off track. But this issue is of great concern to Wang Jianlin.

"Haha, of course, find someone to borrow. The money in the hands of ordinary people is basically empty. But the four major banks still have money. But most of the money they deposit there is the money of those rich people. I am going to snatch their money from the four major banks now!" Lin Feng smiled and said, "And these people have so much money, but they don't have a good investment channel. Now I will give them an investment channel."

Wang Jianlin nodded. These people are probably mainly mining bosses and engineering bosses. They do have a lot of money. They are all earned by exploiting the loopholes of the country. The money comes easily, but because of this. They can't continue to make money. Lin Feng provides them with an investment direction, which is indeed very suitable for Lin Feng's appeal. In fact. These people were very tempted by the "Fengshen Venture Capital Fund" launched by Lin Feng before. But Lin Feng announced that it could only be 100,000. This is enough for ordinary people. But for those rich people, it is a drop in the bucket. These people don't care at all. Such a small interest rate is too low.

It is reasonable for Lin Feng to be interested in their money.

"Then I'll leave!" Wang Jianlin stood up and said goodbye.

The next day!

Wanda, Vanke, Evergrande. Country Garden announced at the same time that they will rebuild the real estate in the near future, rebuild the real estate in strict accordance with the "China Housing Quality White Paper", and the price will be halved, a price that all ordinary people can basically accept.

As for why it is basically, the reason is very simple. Ordinary people always hope that housing prices will become cheaper and cheaper, but this is obviously impossible. After all, if housing prices are free, then ordinary people may still want to give them money. So. This halved price can only be said to make ordinary people basically satisfied. It is impossible to make them completely satisfied. After all, this is the bad nature of human beings. Greed.

The stock market is the market that can best expose the original sin of human greed. The stocks you bought have gone up, and you hope they will go up more, the more the better. Only a few people can really sell rationally. When buying stocks, you always hope they will fall more so that you can buy them.

The simultaneous announcement by the four real estate companies naturally aroused heated discussions in the market. Originally, the market has always been priced out of demand. Therefore, in the second-hand housing market, prices have always been high. Now these four real estate companies have announced the construction of new buildings, and they will sell them at the current half price. This is undoubtedly a heavy blow to the second-hand housing market. This new building is only worth so much money, and your second-hand house is so expensive. Will I still buy it?

"This is impossible. How can they make money by selling like this?" Those second-hand housing agents were all distraught and shocked beyond compare.

Because before this, when it was rumored that housing prices had fallen sharply, many second-hand homeowners sold many buildings at a discount (slightly lower than the market price at the time), and many agents bought them privately. They believed that the housing prices would never fall to this level. How could housing prices fall if land prices did not fall? No matter how powerful Lin Feng was, that would not work. And this time, the news they got from various news channels was that Lin Feng might not be able to bear it. After all, some things are not what Lin Feng wants. Especially now that the country has issued the national standardization of the "White Paper on China's Housing Quality", the cost of housing will be higher. It's good not to increase the price, and to reduce the price? Is it possible!

So, these real estate agents took the house. As a result, just as they got the house, the four major private enterprises announced at the same time that they would build the building at a price that cut the house price in half, and because the real estate companies are now in a period of zero profit, they will sell the building in advance and launch-private customization! Service.

Private customization? As soon as this news came out, everyone was curious. How to customize the building? That is, all buildings will launch well-decorated buildings. However, compared with the well-decorated buildings on the market, the four major real estate companies' private customized well-decorated buildings will be selected by buyers according to their own abilities. After the negotiation, when the house is built, various facilities such as wires and water pipes will be buried in advance, and all residents will be provided with "original factory, service".

This "private customization" surprised everyone. No one expected that the four major real estate companies would suddenly enter the decoration market. This was beyond everyone's expectations. At the first time, the original decoration companies cursed at them, accusing them of bundling sales by real estate companies, a disguised price increase, and a means of taking advantage of the sheep.

There is no way, if the decoration companies don't curse, they will have no profit margin. If all real estate companies launch fine-decorated houses in the future, will these decoration companies survive? It is impossible for all of them to rely on "micro-home decoration" in the future to survive! In that case, the profit is too low. Although it is still profitable, it is not as profitable as decorating a new house. In the past, decorating was like picking up money.

Later, Lin Feng launched a "micro home decoration" and although it still made money, it was not as easy as before. Moreover, due to the intervention of "Dingdang.com", it involved an after-sales service issue. They were forced to improve the quality of service and dared not to forge decoration materials (to be precise, the cost of forging increased), which made them very unhappy about making money. They were just waiting for Lin Feng to open up the real estate market so that they could make a lot of money.

Before this, they applauded when they heard that the house price had fallen. It can be said that they are definitely the biggest supporters of falling house prices. Because the house price has fallen, the people will have more spare money. At that time, the people will be able to spend more money on decoration.

So, they are all waiting for the arrival of the great era. But the result is that the four major real estate companies are now fully promoting "private customization" to do the decoration work. And they also proposed that at the beginning of the construction of the house, the buyer signed a contract with the real estate company and signed a decoration contract to make a private customization. How can they survive in this way?

So, they opposed it. And they spared no effort to throw dirty water on the four major real estate companies, angrily accusing them of raising house prices in disguise. As for home buyers, they are afraid of the decoration market. Because the decoration company is very black, that is well known. In any case, if you decorate 100,000 yuan, the decoration company will make 20,000 yuan from you, which is less. If you meet more, it is normal to make 30,000 or 40,000 yuan from you. Black-hearted people, inferior goods, and mixed fish and dragons, may make 50,000 or 60,000 yuan from you.

So Therefore, many people would rather be a little tired and do the decoration themselves. Although the total price may not be much less, at least the materials used can be assured. This is the most fundamental reason why many people do not choose decoration companies.

Now, this real estate company has also entered the decoration market, which will give buyers an even worse impression. Although the real estate company has discounted the house price, buyers will count it on Lin Feng, and they recognize Lin Feng. But they do not recognize these real estate companies. Without Lin Feng, will these real estate companies reduce prices? Now, they openly reduce prices, but secretly launch all house types as fine-decorated houses, under the banner of private customization. You say, this is not to make money unscrupulously. So, they will not be fooled!

Never let real estate companies make unscrupulous money again! Boycott "private customization" and boycott unscrupulous real estate companies! The people shouted.

This scene made all decoration companies happy, but Wanda, Vanke, Evergrande and Country Garden were a little depressed.