After visiting this day, Lin Cheng has a much deeper understanding of the real estate industry, including the profit model of real estate, operation methods and so on.

A high-paid manager hired by Nie Lei saw that Nie Lei was interested in Lin Cheng, and Nie Lei also asked him to say something to Lin Cheng, and introduced the skills of the real estate industry to Lin Cheng.

This manager's surname is Zhang, and the specific name is not said, Lin Cheng calls him Manager Zhang anyway. During the meal, Nie Lei asked this Manager Zhang to accompany him.

As early as seven or eight years ago, when the country set the tone of the exhibition of real estate, there was really little to do at that time, four or five years ago, many real estate companies have been launched, and the business of making money is a swarm of bees, since then, housing prices have been like a rocket to go up, at that time as long as it is open to make money, and it is a big earning. ”

Manager Zhang raised his glass to Lin Cheng and Nie Lei with a glass of wine, and then said, "At that time, not to mention opening a business to make money, even those who speculated in real estate also made a lot of money, and at that time, there was no need to spend money on speculating in real estate. ”

"Oh, Brother Zhang, tell me about it, give me an experience. Lin Cheng raised his glass and walked with Manager Zhang.

"Hehe, Mr. Lin, you are too polite, you are a friend of Mr. Nie, of course I know everything. At the beginning of the house speculation, there was indeed no need to spend money on it, and the house price at that time was one price a day, which was much higher than the bank loan interest rate, so many people bought houses at that time. For example, at that time, a house bought 300,000 yuan last month, and when it was sold next month, it was 400,000 yuan, and if you paid 100,000 yuan, it would be equivalent to earning 100,000 yuan a month, what a huge profit, if you have money in hand, then buy ten sets of eight sets, and you will be a millionaire in that month. ”

"Hey, Brother Zhang, you just said that you don't need to spend your own money to speculate on real estate, isn't this 100,000 yuan equivalent to an upfront investment? ”

"Hehe, Mr. Lin, listen to me slowly, in fact, the situation just mentioned is in the case of normal investment, this is the income of normal investment, this is actually very normal, no one can say anything. In fact, I am mainly talking about a kind of bank loophole, at that time the bank was not strict in the supervision of real estate, at that time it was easy to make money, it was all set of bank money, at first it was a business in the set, and then it was the majority of real estate investors and then set, and then the bank also appeared this loophole, so it was blocked. ”

"Oh?

For example, real estate developers have opened a thousand houses, let's not talk about it, just take a house as an example, the initial selling price of a house is 300,000, and the price of the house has risen wildly at that time, and a house can rise to 400,000 in a month or two. The real estate developer found someone to buy his own house, and then mortgaged it to the bank, and the house was originally 300,000 yuan, and the real estate developer found someone to buy it for 600,000 yuan, but this only needed to pay 100,000 yuan, so they took out 100,000 yuan and paid it, and then borrowed 500,000 yuan from the bank, and this person owed the bank 500,000 yuan. The bank gave the 500,000 yuan to the real estate developer at one time, and then sat at home and waited for the interest to be collected. The real estate developer sold the house that was originally worth 300,000 yuan for 600,000 yuan, went through the accounts from the bank, doubled it in an instant, and all 600,000 yuan was in hand. And the real estate developer called his own people to buy the house naturally can't pay off the mortgage, so the house becomes the bank's. The price of the house was still 300,000, but it was sold to the bank for 600,000. Do you say that the 300,000 yuan was earned for nothing? And there is no risk at all? Originally, this person went to the bank to take out a loan with a house as collateral, but now he can't afford to pay it back, and the house will naturally be handed over to the bank. In fact, there is a saying in the industry that it is called a ball in the plate, and the beads are still in the plate no matter how they roll. ”

Manager Zhang said that Lin Chengcheng understood, Manager Zhang hadn't finished speaking, Lin Chengcheng knew what it meant, this was indeed a good way to make money.

Nie Lei thought for a while and said to Manager Zhang, "Lao Zhang, I understand what you said, this method is too good, let's do the same, earn hundreds of millions of dollars a year, and I will increase your salary tenfold." "It was as if a new continent had appeared.

Manager Zhang smiled, "Mr. Nie, now the bank loan is much stricter than before, and there is no such loophole as before, in fact, I understood this truth three years ago, but at that time, the bank was no longer stupid, and had already formulated a special strategy, such as limiting the number of units to buy a house, the proportion of payment, and the buyer's household registration, etc." ”

Nie Lei nodded as if he didn't understand, and then he was a little reluctant, and asked suspiciously, "Manager Zhang, is this method really not working?"

"Mr. Nie, it definitely won't work, the bank is not stupid, people have already calculated for themselves, who will do the business that loses money. ”

Nie Lei gave up, "Come, drink, drink." ”

Lin Cheng's harvest today is not small, he has a better understanding of the past and present of the real estate industry, at least he has a general understanding of the future trend of the real estate industry.

In the words of Manager Zhang, the real estate industry does make money, and about 40% to 50% of the country's billionaires come from the real estate industry.

However, Lin Cheng thought deeper, judging from the current situation, the real estate industry is indeed spring, and it is spring, and it can not be spring, but there are four seasons in a year, there is spring and winter, and the real estate industry will not always be spring. In terms of Tai Chi, the strength to the strength is the weakest point, this is the so-called object pole must be reversed, anything to the extreme, there will be a diametrically opposite side. Where there is an uphill slope, there is a downhill slope, and when the uphill road is finished, it should go downhill.

Real estate is now easy to do, but according to the current trend, sooner or later there will be a harsh winter day, and now the people have long complained about high housing prices, and now real estate has become a profit tool for speculating tenants and opening businesses, and ordinary people have been out of reach of housing prices.

However, what is the house for, it is for the common people to live in, and it should definitely not be a tool for profit, and no party or government organ can use the house as a tool for profit. Although the country is still imperfect in one way or another, we believe that our house will definitely return to its original position, that is, let the people have a house to live in and live and work in peace and contentment.

In fact, Lin Cheng's prediction is still correct, Lin Cheng's prediction is inferred from the opposite of Taiji's physical poles, Taiji is a university question, and you may not see the results in three or five years, but for a long time, you will definitely follow this principle.

Lin Cheng remembered that when he came back for the Chinese New Year, when Nie Lei gave him a car, when he was driving on Hong Kong Road, Liu Lin sighed: When can I buy a house in this city

In fact, this is the voice of the people, and only by hearing the voice of the people can we better comply with the people's will. Towards the end of this banquet, Lin Cheng set the tone for a future real estate exhibition: that is, the real estate industry only focuses on the development of affordable housing and the construction of houses that ordinary people can afford.

Of course, this decision, Lin Cheng is still a little difficult to realize, because the funds needed to open real estate are not a small amount, although it is said that it is now possible to borrow from the bank, but the current bank is different from the bank in previous years, the current bank has been calculated, the audit and evaluation, the loan amount is not as casually approved as before, and it is more and more difficult to borrow from the bank.

After eating, Nie Lei was called away by his subordinates, and when Nie Lei left, he instructed Manager Zhang to take Lin Cheng around, no matter what he needed, no matter what Lin Cheng didn't understand, as long as you still want to do it here, you must say something.

Nie Lei said very solemnly, and Manager Zhang would not doubt Nie Lei's determination at all. What's more, he could also see from Nie Lei's words and deeds that Nie Lei was stammering with Lin Cheng. Oh, this shouldn't be said to be a stammer, it should be said to be caring.

In the afternoon, Manager Zhang took Lin Cheng to visit the construction site, the construction site, and carefully introduced some things on the construction site to Lin Cheng: in fact, large real estate companies don't need to raise their own construction workers at all, and the workers they raise themselves can't do their jobs at all, not to mention that the people on the island city will not go to work at such a construction site at all.

They are all hired contractors, that is, units that specialize in building construction, and of course there are many contractors who lead small workers. These are all hired, and we only sign contracts with contractors, which is a lot less work. For example, raising workers by themselves, working hard, workers' five insurances and one housing fund, and so on.

Quality supervision has supervision, supervision of the relationship, its own business to deal with. When the relationship is handled well, the big problem will become a small problem, and the small problem will become no problem.

Manager Zhang intermittently remembered what to say, but Lin grew a lot of knowledge, such as when building a house, you need a land certificate, a construction permit and a planning permit, where do you need to go? There is also a time of sales, the sales lady speculates the house, how to present these problems and how to avoid them.

At the end of the day, Lin Chengxian learned more in a day today than he learned in a semester last year. Because these things are the personal experience of experienced real estate managers, it can be said to be condensed, and the amount of information contained in them is obtained through practical training.

After Lin Cheng returned to the dormitory, he lay on the bed and went through the practical experience of the real estate industry that he learned today, and the more he thought about it, the more he felt that the seemingly simple real estate industry actually has a lot of things.

In fact, in all walks of life, it is easy to know, but it is difficult to be proficient, easy to learn and difficult to master.

(To be continued)