Winning the new financial era

Chapter 22

Today, Zhang Yida took his bank card and went out.

I went to the Porsche 4S store first, and the sales lady at the door greeted Zhang Yida warmly as soon as he entered the store.

Zhang Yida is wearing Versace casual clothes today, he is tall and straight.Going there, the atmosphere feels different.

What the sales lady likes most is this kind of rich second generation. Buying a car is neat and straightforward, and sometimes you can develop super friendships and collect a few bags of accessories.

The female salesmen of the 4S store with exquisite makeup lined up in a row. When they saw customers entering the store, they said hello in unison.

Then he asked Zhang Yida if he had an appointment, and Zhang Yida answered no, so he assigned the first salesperson to receive Zhang Yida in order.

A young girl in her twenties with light makeup and a black professional attire came out at the top of the queue and took Zhang Yida to see the car.

The girl smiled and said:

"Mister, hello! My name is Qi Yumeng. I will show you the car next time. What should I call you Nan?"

Zhang Yida replied casually:

"My surname is Zhang, arrogant Zhang."

"You can call me Xiao Zhang or Arrogant."

Qi Yumeng smiled and said:

"Mr. Zhang, you are too humorous. Do you have a favorite model?"

Zhang Yida said directly: "Just look at the Panamera, the four-wheel drive platinum version."

"Okay, Mr. Zhang, this way please."

Qi Yumeng raised his right hand as an invitation.

Following Qi Yumeng to the car showroom, there were more than a dozen Porsches of various models.

After choosing a black Panamera, Zhang Yida sat in the driver's seat and felt the seat and steering wheel.Qi Yumeng was sitting in the co-pilot seat, her body was sideways because of the skirt she was wearing.He began to introduce Zhang Yida:

"This is the latest panamra 4 Platinum edition 3.6L.

V6 engine with a maximum horsepower of 300 horsepower.

It only takes 6 seconds to accelerate from zero to one hundred.

......"

After listening to Qi Yumeng explaining all the configuration parameters, Zhang Yida understood almost everything, and asked directly:
"Can I take a test drive?"

"Of course! I'll make an appointment for a test drive with you right away." Qi Yumeng replied enthusiastically.

Then, he took Zhang Yida's driver's license and went for a test drive.

On the way to go through the test drive, Qi Yumeng went to go through the formalities alone, and Zhang Yida waited for her in the lobby drinking tea.

Qi Yumeng secretly opened Zhang Yida's driver's license, and it can't be said that he opened it secretly, it should be called "inspection".I checked Zhang Yida's driver's license, um, it's true.

Through the driver's license, she has read a lot of information. 18 years old, native of Rongcheng, probably still in college in Beijing.If it wasn't for the rich second generation, she would swear that she would eat up her driver's license.

In their business, you must learn to judge the customer's car purchase intention by the customer's clothing, conversation, and other things including the driver's license.

After completing the test drive procedures, Zhang Yida got his driver's license back.Following an arranged instructor, I got into the test drive car, first fastened the seat belt, stepped on the brake, turned on the ignition, put it in D gear, released the brake to start, and hit the accelerator to take off.

Zhang Yida skillfully drove the car for a few laps, and it was relatively smooth.The acceleration can't be said to be fast, and the horsepower is not great, but it is basically enough for urban roads.The sports-style seats are well wrapped and fit comfortably.The luxurious interior also gives people a more comfortable feeling.

"Okay, let's order this one!"

Zhang Yida said to Qi Yumeng.

Qi Yumeng was more pleasantly surprised, the rich second generation is neat and straightforward in handling affairs.So he asked:
"Mr. Zhang, the naked price of this Panamera four-wheel drive platinum version you have set is 129.2 million. In addition, some accessories need to be installed. You can look at the accessories list and list out what you need to install. I will finally give you Work out the total price.

Also, is it a full payment or a loan?
If you take a loan, we will give you a discount of 3 yuan for a bare car. In addition, the loan interest is relatively low, with an annual interest rate as low as 5.99%, and the maximum loan can be three years. "

If you want to fool me with a loan, the annual interest rate is 5.99%. If the repayment rate is equal to the principal and interest, the interest rate will actually be multiplied by 2, which is equivalent to 12%.In addition to the loan handling fee, it is estimated that more than a dozen points are far away, and you don't need a discount of 3 yuan.

Zhang Yida refused the loan without hesitation and chose to pay the full amount.

Then I asked Qi Yumeng to bring over the list of optional accessories, and prepared to choose configurations. Porsche can’t do without optional accessories, and it doesn’t provide plain cars, and all advanced configurations have to be optional.

I just asked casually how long does it take to pick up the car after selecting the configuration?
Qi Yumeng informed that after the matching, the order will be sent to the German factory, plus production, transportation and other links, it may take five or six months to get the car.

Zhang Yida was speechless for a moment, he was still waiting for the car!Seeing that the company is about to move, I will need a car to commute between the company and school in the future, and it will be very troublesome to not have a car.

Seeing Zhang Yida frown, Qi Yumeng guessed that he was waiting for the car.So he had an idea:

"We still have an ultra-luxury configuration in our store. A customer originally ordered it, but after arriving at the store for two days, the customer is now unable to pick up the car due to some breach of contract. So we can sell it to the outside world. Would you like to see the configuration?"

Zhang Yida nodded and signaled her to take the configuration sheet over to have a look.

Zhang Yida opened the configuration sheet to see:
"Hey guy, that's pretty cool!
Volcanic gray metallic paint, 20-inch wheels, ambient lights, Bose surround sound, ceramic brakes, automatic suction doors, constant temperature air conditioning, head-up display, front seat ventilation and massage, embossed coat of arms on the seat headrests...

A lot of accessories have been selected and matched, which is in the early 40. "

After reading it, I basically like the configuration, and it is more practical.So, Zhang Yida asked Qi Yumeng to settle the score immediately, he wanted the car!
Qi Yumeng has done the calculations, the naked car is 129.2 million, the optional equipment is 40.7, plus the purchase tax is 11, the insurance is 5, and the final landing price is 185.9 million.

For a fraction of 9000, Qi Yumeng said that he asked the manager to apply for the discount and dropped it.

Just as he was about to pay, Zhang Yida remembered the issue of license plates. He is not registered in the capital, so he needs a number lottery!There was no other way, so I called the finance company of Ruixiang Technology, and the car purchase went to Ruixiang Technology's account, and it was put under the company's name.It is more convenient for the company to purchase a car and apply for a license.

Originally, Zhang Yida didn't want the company to pay for it, but planned to buy the car in his own name.I don't want to take that petty profit.

It's not good to spread the news about using the company's money to buy luxury cars for executives after just getting financing!Zhang Yida still cherishes his personal public image very much.

But buying a car worth more than 100 million yuan is barely justified.It is a bit unreasonable to buy ten or eight cars worth 200 million yuan, or a Rolls Royce worth tens of millions.

After all, start-up companies are not the controlling shareholders of large A-share listed companies.Those people operate the real thing 6.

In the end, Ruixiang Technology Finance transferred 4 million to the 185S store through the corporate account, and took away the optional 40 Panamera as the exclusive car of chairman Zhang Yida.

Zhang Yida handed over the car to the accountant to apply for the license plate number.

I want to buy a house next, do I need to use the company account to buy the house?
Since the implementation of the "National Eight Articles" in Beijing in 2011, purchases have been restricted. If you do not have a household registration in another place and have not paid social security for 5 years, you cannot buy a house.

Zhang Yida is not qualified to buy a house in the capital, unless the government gives the green light to quick naturalization and approves a few quotas for household registration.

There is no need to bother the leaders with such a trivial matter of buying a house. Besides, I have no relationship with the leaders of the district or city, and I can't find the temple door with a pig's head.When will a leader come to inspect the work, and then complain and try to solve a few housing purchase indicators.

Now if you want to buy a house, you can only buy a house in the name of a company.The disadvantages of buying a house for a company are that first, it must buy the house in full, second, the annual property tax is as high as the purchase price × 0.84%, and third, there are high corporate income tax and land value-added tax when the house is sold.

There was no other way, so Zhang Yida drew 1100 million in cash and registered a new company called "Jingcheng Yimin Investment Management Co., Ltd."

In the name of this company, I bought a 3-bedroom apartment in Wudaokou near the school, with 100 square meters and 500 million yuan.

Instead of continuing to buy a house in the name of Ruixiang Technology, I chose to register a new sole proprietorship company by myself. I don't want to be criticized too much by the outside world, so it is the safest operation.

The house is in Wudaokou, very close to the school and the company. Zhang Yida is very satisfied. It should increase to 10,000+ one square meter in a few years.But Zhang Yida didn't care about these at all, real estate speculation?Is it impossible to flip a house?The money came too slowly.

Now I have bought the car and the house. Although they are not in my name and the property rights belong to the company, I still own them anyway.

The small goal I set when I was reborn two months ago has been completed.Isn't it time to set a bigger goal next time?
Ruixiang Technology is advancing steadily, and it is best to go public in 15 years, and it can also grab the title of the first overseas mutual fund listing with Yiyindai.

The P2P company is operated by Yimin Investment as the main body of operation. It should be put into operation quickly and make some achievements. It will strive for a wave of A-round financing in the next year, and then several rounds of financing in 14 and 15 to make the plate bigger and catch up with the 16 round. time to market.The timing has to be perfect, and it's cool when it's late.

Because if it is later, various policies will be regulated, and the valuation will be halved. If you want to go public, you will have to smile at the faces of various brokerages and pay high underwriting fees.

What's more, the timing of listing is chosen too late, the market is not optimistic, and the underwriters cannot sell the stocks. In order to gain a reputation and credibility endorsement for listing, these companies secretly pay for their own issued stocks!There are also piles of show operations.

Whoever goes public first will seize the opportunity for development, because the market value of the subsequent listings will not be cut in half, and 80%-90% declines can be found everywhere, all of which are broken by listing!It can be said that the ankle was cut off, and the blood flowed like a river, which was horrible!

If it goes on the market early, you can harvest a few waves of American leeks and reserve more cash.Due to policy regulation in China, the market is no longer good, and then we will go to Southeast Asia, Russia, South America, and Africa to develop well.

It's not that Zhang Yida is pessimistic, but that the P2P industry in later generations is indeed a mixed bag, and a bunch of bad people have ruined the industry.

You have to plan ahead and plan ahead.After a few years of transition, after the strength has grown, when the time comes to quit this industry for transformation or go abroad for development, the initiative is in your own hands!

(End of this chapter)