Back to 2006

It's about 1 o'clock in the morning.

The naked Yang Xingyu was lying next to Zhen Xin, who was already sleeping soundly. It was obviously time to go to sleep, but his brain was still awake.

Tonight, under Zhen Xin's pressure, he wrote another acrostic poem, which together with the poem he wrote last time, formed a relatively complete lyrics.

After that, he gave Zhen Xin some suggestions on composing music, allowing Zhen Xin to initially find the inspiration for the song, which put Zhen Xin in a good mood tonight.

So, after she slept with him, she rewarded him with practical actions.

He was quite happy.

Logically speaking, he should be tired and asleep by now.

But there was no sleepiness in his mind at this time. Making love between men and women and writing songs were all adjustments in his life. What he was thinking about now was whether he should be more radical? Bet bigger and let your wealth quickly expand several times more?

For example: take your Apple stock to the bank to pledge a loan, and use this loan to purchase Apple stock?

Or, use this money to purchase a batch of properties in advance before housing prices soar? Use real estate as mortgage to continue to purchase real estate or stocks?

This is a snowballing approach to investing.

No normal person would dare to do this.

Because as long as Apple's stock price collapses, or domestic housing prices collapse, he will be in doom.

However, as a reborn person, he knew very well that these two things would never collapse in the next ten years.

Therefore, this is not so much a gamble as it is speculation.

He couldn't see the risk in doing so.

Therefore, after these thoughts flashed through his mind, he did not hesitate whether to do it or not, but was thinking about how to do it.

So, early the next morning.

When Yang Xingyu came to the Yangji Roast Duck headquarters in Yuwei Alley, he called his accountant Jiang Jie aside and asked her to contact the executives of several major banks in the city to discuss stock pledge loans.

Jiang Jie was surprised and asked curiously what stocks Yang Xingyu had? How much is it worth?

When she learned that Yang Xingyu had some shares of Apple that were worth over 100 million, her expression changed.

Surprised, he quickly said that he would contact the heads of several major banks in the city as soon as possible.

Apple stock worth hundreds of millions is very attractive to any bank.

Not only because this stock is worth hundreds of millions, but also because it is Apple stock.

In recent months, Apple's smartphones have become so popular that other mobile phone brands around the world have eclipsed them. Everyone can see that Apple's smartphones are an epoch-making product that has subverted the entire traditional mobile phone industry.

There may be stocks in some companies that banks are unwilling to accept for mortgage loans.

But it would be difficult for banks to refuse shares of a company like Apple.

No, in the next half month, Yang Xingyu met with the presidents or vice presidents of several major state-owned banks in the city.

Every time they meet, these banks will evaluate the value of the stocks in Yang Xingyu's hands.

Jiang Jie accompanied the whole process.

Witnessed with my own eyes that ICBC valued Yang Xingyu’s stock at 1.42 million.

The valuation given by Agricultural Bank of China is 1.39 million.

The valuation given by CCB is 1.43 million.

The valuation given by Bank of Communications is 1.4 million.

The valuation given by Bank of China is 1.44 million.

As for why the valuations given by these banks are all different, the reason is very simple. First, the appraisers are different, and the valuations given are naturally different.

Secondly, the days when Yang Xingyu met these presidents and vice presidents were different, and Apple's stock price fluctuated every day, sometimes rising a little, sometimes falling a little.

However, stock-backed loans also have considerable limitations.

Because stock prices sometimes fluctuate greatly, the amount that can be loaned generally will not exceed 60% of the stock value.

Common loan amounts are generally 30% to 40% of the stock value.

Half a month later, Yang Xingyu reached a loan agreement with China Construction Bank.

Because CCB is willing to give him a loan at 50% of the valuation.

The limits offered by several other banks are not so large.

For Yang Xingyu, 08 is coming.

After the 08 four trillion plan is launched, banknotes will depreciate rapidly. At this time, he will naturally want to borrow as much as possible.

After the banknotes depreciated significantly, he made money.

After the stock pledge loan agreement was signed, it didn't take long for a loan of more than 70 million yuan to arrive in his account. More than seventy million...

This is wealth he has never had.

With so much money, he began to let people scout for land and front houses in the city.

He originally wanted to buy a building as the company's headquarters and rent out the extra floors to earn rent.

But then he thought: In the next ten years, how many other industries will make money as fast as real estate?

To buy a house at this time, it is better to buy land directly.

He is sure that house prices will soar in the next few years. In this environment, whether he builds a building as a developer himself or waits for the land to appreciate and then sells it, won't he be able to make money faster than collecting rent?

……

Just when Yang Xingyu had more than 70 million in funds, Zhen Xin's parents came to the city several times.

Every time he came here, he and Zhen Xin were taken to choose a wedding room.

Both Zhen Yongnian and Su Fenghua, who are wealthy, said that Yang Xingyu and Zhen Xin can choose villas with a price of less than five million.

When saying this, the couple paid attention to Yang Xingyu's expression consciously or unconsciously.

Yang Xingyu has been a man for two generations and has a little understanding of people's hearts.

He knew that his father-in-law and mother-in-law looked at him like this because they wanted to see his expression.

So he showed a surprised expression very cooperatively.

He seemed to be shocked by the generosity of his parents-in-law.

And his expression really made Zhen Yongnian and Su Fenghua feel a sense of accomplishment.

They just wanted to use this method to make Yang Xingyu feel the wealth gap between him and their Zhen family, so that Yang Xingyu would be kinder to their daughter in the future and not dare to be presumptuous.

In the end, Zhen Xin made the decision and bought a three-story villa with a total price of 460 million in Guomao Tianqin Bay, which is only a dozen miles away from Yuwei Alley and No. Middle School.

This villa has three floors on the ground.

There is another layer below the ground.

The total area is more than 520 square meters.

Otherwise, the current housing prices are low!

In ten or eight years, the price of this villa will at least increase several times.

After buying the villa, Zhen Yongnian and Su Fenghua asked Yang Xingyu and Zhen Xin what car they wanted.

In fact, Yang Xingyu and Zhen Xin both have cars now.

They are all Mercedes-Benz.

Logically speaking, they don't need to buy another car now.

But Zhen Yongnian and Su Fenghua insisted on buying them a car as a dowry.

Yang Xingyu and Zhen Xin couldn't refuse even if they wanted to, so they had no choice but to discuss it in private.

"Do you like sports cars? My dad said that we have a budget of two million to buy a car. How about buying you a sports car?"

That night, Yang Xingyu and Zhen Xin sat on the bedside, chatting on their laptops while looking at car pictures on car websites. The above was Zhen Xin's suggestion.

When Yang Xingyu heard this, he shook his head without thinking.

"No! I don't want to be so ostentatious, just keep a low profile!"

That thing about a sports car is a magical tool for picking up girls.

But he and Zhen Xin have already obtained the certificate, so why do he need any magic tools for picking up girls?

"Then what car do you want to buy?"

Zhen Xin asked him the question.

Yang Xingyu thought for a while and said: "How about buying an off-road vehicle, which has a lot of space. When we occasionally go out to play, we can bring a lot of things, and can also travel on mountain roads with bad road conditions, or buy an MPV, which has more space." , the seating space is large enough and suitable for traveling, but the off-road performance is definitely not as good as an off-road vehicle, what do you think?"

Zhen Xin frowned and thought for a while, then asked: "Of these two cars, which one do you prefer?"

Yang Xingyu laughed, "I'm a man, so of course I prefer off-road vehicles!"

Zhen Xin smiled, "Then choose an off-road vehicle!" (End of Chapter)