I collect gold fingers in the heavens

Chapter 636 Freshman Vision Fund
In the end, Wu Siyuan reported this idea to the desktop of the big leader.

After the big leader saw it, he remained silent for a long time, and held a meeting with several other leaders to discuss this matter.

He said, "First of all, Xiao Wu and [Chaoqun Group] should be affirmed and praised for their dedication to serving the country with every fist. But if they have this heart, the country should not let them feel cold or suffer. "

"Xiao Wu's idea is very good, and he has opened up new ideas, but there are obviously some things that are not thoughtful. In this regard, we should all talk about it. In addition, he has made such a big sacrifice, so we must give him some Compensation, you can’t say that you don’t have nothing at all.”

The other leaders nodded solemnly in agreement.

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After discussion and communication in many meetings.

Wu Siyuan's idea was finally transformed into a practical plan.

[Future holographic giant urban complex] This global blood-sucking tool plan to make up for land finance has basically remained unchanged.

However, the [Housing Subsidy] that Wu Siyuan plans to give to parents of newborns across the country has changed quite a bit.

The meaning above is that the [Chaoqun Group] is not allowed to directly give the public [House Purchase Subsidy]. This is mainly to consider the influence of the outside world, causing some people to think about the private business environment, which is not conducive to stability.

The above is to let [Super Group] establish a corresponding [Vision Fund].

[Super Group] took into account its own situation and injected capital into this [Vision Fund].

Parents of newborns starting in 2022 can obtain corresponding interest-free loans from this [Vision Fund] according to the number of newborns.

Yes, the meaning above is not to let [Superior Group] send money, but to let [Superior Group] borrow money.

The difference is one word, but the meaning is very different.

Wu Siyuan originally meant to give each newborn [-] yuan [housing allowance].

The final plan is to let the [Vision Fund] provide interest-free loans to the parents of newborns according to the number of newborns.

A newborn is a loan amount of [-] yuan.

If it is twins or multiple births, multiply by the corresponding multiple according to the number of newborns.

For example, twins can get [-] yuan [house purchase allowance], triplets can get [-] yuan [house purchase allowance], and so on.

This interest-free loan is also earmarked for special purposes. It will be directly deposited into the bank account of the real estate developer when the parents of the newborn choose a real estate without going through the hands of the newborn parents.

Of course, the bank accounts of real estate developers are also subject to strict supervision. It is impossible to bypass the supervision and directly transfer to other places as in the past.

If the parents of the newborn have a house that is being repaid, then this [House Purchase Loan] can also be transferred to the bank where the loan was made to reduce the burden on them.

If the monthly mortgage of the parents of the newborn is around 3000 yuan, then the interest-free loan of 50 yuan will allow the parents of the newborn to not have to think about repaying the mortgage in the next 4 months, which is more than [-] years. The problem.

Parents of newborns will spend more than [-] yuan per month, and life will be much easier.

Oh, you said that the loan of [-] yuan also needs to be repaid?

Yes.

The [New Vision Fund] invested by [Chaoqun Group] provides a loan of [-] yuan to parents of newborns, and the repayment time is [-] years.

Yes, fifty years.

The general business loan is only thirty years.

The [New Vision Fund] loan time is given to fifty years.

The point is, the [-] yuan loan is actually interest-free.

For borrowing, the current value is exchanged for the future value. If the future value is lower than the current value, a way must be found to make up for the difference, and the compensation is interest.

All loans are generally interest-bearing.

Like the well-known mortgage.

Mortgage interest rates are generally high.

If the principal of the mortgage needs 100 million, the interest on the mortgage for 150 years may need [-] million.

One of the reasons why mortgage interest is so high is that the house is a large loan, and the longest installment period is 30 years.In such a long period of time, the house is likely to become less valuable. If the bank wants to ensure profitability, it is a natural choice for the interest on the mortgage to exceed the principal.

In fact, it can also be understood that under inflation, money is becoming less and less valuable.

The value of one hundred yuan in twenty years is different from the current one hundred yuan.

For such a long-term loan, if the interest rate of the bank is not high enough, then its income will be completely lost.

For example, twenty years ago you borrowed one thousand yuan from someone, and the total interest was [-]%. Twenty years later, you repaid the other person one thousand two hundred yuan. Do you think they have to go to grandma's house!
To put it bluntly, this is not much different from borrowing in vain.

In the same way, [New Vision Fund] lends out an interest-free loan of [-] yuan, and allows the borrower to repay it within [-] years.

Twelve months in a year.

On average, borrowers only need to repay 250 yuan per month.

This is actually not much different from giving away.

Especially under inflation, money is constantly depreciating.

1978 yuan in 1 is equivalent to 59.82 yuan today;

1988 yuan in 14.74 is equivalent to [-] yuan today;

1998 yuan in 1 is equivalent to 3.20 yuan today;

2008 yuan in 1 is equivalent to 1.79 yuan today;

The 2013 yuan in 1 is equivalent to 1.18 yuan today.

Over time.

The monthly repayment of 250 yuan by the borrower may be the same as the current value of 25 yuan.

The borrower has no pressure at all.

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After discussion, the big leaders changed Wu Siyuan's original plan, but the effect seemed to be better.

It's not just the parents of newborns who get more benefits.[-] yuan is stronger than [-] yuan.

Moreover, the loss of [Superior Group] has become smaller. After all, the money is lent out, not given away, and [Superior Group] can still repay part of the amount every month.

假设2022年有700多万人（2021年1000多万新生儿的七成）向【新生愿景基金】申请这个贷款，那么【超群集团】需要向【新生愿景基金】里面注入1.05万亿元的启动资金。

In fact, Wu Siyuan thinks that the number of applicants may not be so many, maybe only more than 500 million, but it doesn't matter, it will be calculated based on 700 million.

(End of this chapter)