Early the next morning, Zhou Liwen arrived at the airport. Just after nine o'clock, Guo Tao walked out of the entrance of the passage with a code box. After meeting, the two sat in the airport cafe for a while. Guo Tao handed the box to Zhou Liwen, chatted for a few words, smoked a cigarette, and left hurriedly before he could even drink coffee. Before he came, he had booked a plane ticket to go back at 10 o'clock. Now Guo cannot lack him at all. There are a lot of daily affairs in Huacheng that have to be handled by him.

Leaving a note, Zhou Liwen also left the airport. After getting in the car in the parking lot, he opened the box and looked at the stacks of ID cards and thick documents tied inside. His heart finally settled down.

With these things, his plan can finally be implemented. Zhou Liwen used a lot of brains to plan the entire project, and he finally decided to use Ant Moving to operate the remaining properties of Luo Jianhua Company.

Since Ant moves, it is necessary to require a large number of ID cards, that is, purchase these houses separately in the name of a separate person, and then apply for a loan from the bank with a personal mortgage. Only in this way can Zhou Liwen use only 3 million yuan of funds to leverage the acquisition of real estate more than ten times higher.

These ID cards were prepared by Zhou Liwen after he confirmed the plan. The owners of the ID cards were Guo's employees or the ID cards of the transport fleet and warehouse related to Guo's family. Guo Tao collected ID cards from Guo's employees as collateral on the grounds that the company ensured that employees were not allowed to leave at will to affect business. This method is used in many enterprises in southern cities, so it went smoothly. After all, the use of personal ID cards in this era is no longer as useful as in the future. This small piece of plastic sealed paper is a useless thing in the eyes of many people, so Guo Tao's actions did not make people strange.

After getting these ID cards, Zhou Liwen can buy houses in the name of these people for loans. At the same time, with more than 100 documents issued by Guo, the bank review is not a problem at all. As for the aftermath of using these ID cards in the future, Zhou Liwen has also considered it. He plans to wait until all these properties are obtained, and after the country's monetary policy is relaxed after the Spring Festival next year, then gradually transfer these properties, so as to completely belong to his name.

Of course, if an employee requests to get his ID card during this period, Zhou Liwen is not worried, because the employee's resignation must be filed three months in advance according to the agreement, which means that he has a buffer time for a quarter. Furthermore, Zhou Liwen carefully calculated that it only takes half a year to put the property in his name through this Ant Moving method. Moreover, even if there are indeed employees who leave during the period, they are only a few people. At worst, anyone who proposes it first will deal with his property first, which will not affect the overall situation.

In addition to the ID cards of these home buyers, Zhou Liwen's most important thing in the overall plan is the mortgage problem, which has been solved. In order to ensure the success of the plan, he generously gave Yao Liang 100,000 yuan in benefits. He paid half of it now, and 50,000 yuan will be settled after completion. As for Director Mao, Zhou Liwen's expenses are too high. It will cost about 1 million yuan, including the 300,000 insurance policy that has been given to Director Mao and the later preparations for his son to study abroad.

But in Zhou Liwen's opinion, the value of this 1 million is worth! You can get a total loan of 48 million by paying only 1.1 million (including Yao Liang). This ratio is very small for Zhou Liwen. You should know that in the later generations, the appetite of bank practitioners is getting bigger and bigger. There is no need to talk about the rebate for personal loans such as this without 5%. If it is high, it is even 7%-8%, which is about 2.4 million to 3.85 million. If\

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u662f The interest rate is even more scary. Now I only need to spend 1.1 million to settle the other party’s good things.

Moreover, Zhou Liwen suddenly grasped Director Mao’s weakness, that is, his son Xiao Mao’s future. For ordinary people, studying abroad is indeed difficult, but for Zhou Liwen, this is not a difficult task. Whether it is financial guarantee or corporate guarantee, Guo’s ability is not a problem. Moreover, studying in the UK is not too difficult at present, as long as you have money, you will definitely be sure to send someone out by spending 70,000 or 80,000 people. As for whether you can really get admission to a local university after going out for a language school and a year of preparatory course, it depends on his own efforts.

According to preliminary calculations, Luo Jianhua's real estate projects were about 36 million to 38 million. Zhou Liwen specially put the total loan amount to 48 million, which was a room for leeway. In addition, the 30% advance payment he promised to be in fact impossible to pay, and Zhou Liwen did not intend to pay the full amount of this 30% of the funds from the beginning.

Regarding this point, we have to talk about the latter point. Zhou Liwen is going to play a trick with Luo Jianhua. To put it bluntly, he is to use Luo Jianhua's real estate development company's urgency to recover funds to increase the contract's selling price externally, and then settle the actual settlement according to the internal price. In this way, Zhou Liwen can get a loan far higher than the actual housing price, which not only can make up for the shortage of 30% of the funds he has to pay, but also can take this opportunity to withdraw more than 10 million in cash to pay the difference in the monthly repayment fee for these real estate properties.

As for the losses, Zhou Liwen was not worried at all. More than 10 million in cash and rent were enough to pay for the repayment of these properties. He only needed to wait patiently for 2-3 years. When the house prices rose, he could pay off all the remaining nearly 200 houses by selling out a few houses. Such huge profits would be far from reaching any industry.

Luo Jianhua and Zhou Liwen expected similarly. When he proposed the contract price increase operation to Luo Jianhua, the other party agreed without even considering it. Not only that, he also actively cooperated and arranged everything properly. In the next few days, Zhou Liwen made every effort\

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When u4ee5 went to deal with this matter, Director Mao cooperated very much. In order to speed up and avoid being too eye-catching, he came up with a trick that even Zhou Liwen did not expect, which was to go through the branch offices of the branch, and then declared to the credit department by Yao Liang's hand, and operated it by breaking the whole into pieces. Soon, the first batch of 10 people and 20 apartments were easily completed first. When the house payment was all transferred to Luo Jianhua's company account according to the reservation amount, Luo Jianhua's long-term sad expression finally smiled, and the big stone in his heart finally put it down.
Chapter completed!