Inherit For Three Thousand Years

"The third investment project is the 8% shares of Lujin. This part of the shares is still replaced by cash. The total value is 720 million US dollars, which is about 4.5 billion yuan in RMB."

Xiao Yao knew that his parents had probably never heard of Lufax, and briefly introduced: "When I replaced this part of the shares, Lufax was valued at 9 billion U.S. dollars. It is now valued at 11 billion U.S. dollars. If this part of the shares are sold, many people are willing to buy them at a premium, and it is absolutely no problem to make 1.5 billion yuan in resale."

"Really? How can you make a billion or two billion in any project you invest in? Is the money so profitable?" Xiao Zhenshan felt like he was listening to a story, and his son just said one. The numbers are beyond his imagination.

The world in which he lives and the world in which his son lives are not in the same time and space. He has worked hard for half his life, but only bought three houses, and his son can invest in a project at random, and he can earn a dozen or two billion. For the son, money is really like a number. It is easy to make money.

"This is the importance of contacts. The people who replaced the industry with me all owe me a lot of favor, otherwise I can't get in for such a good investment project."

Bai Yuzhen asked directly: "What kind of favor do you owe you? Why are you willing to pay such a large amount? Now our family is not short of money. Let's not do dangerous things. Safety is the most important thing."

"It's not a dangerous thing. My master passed on me a lot of special knowledge, such as fortune-telling. I got the master’s true biography. I still have great skills in this area. These people owe me the favor, so naturally they have to find a way to give it to me. I compensate. This is how these investment projects came. If these people weren’t eager to pay back my favor, I wouldn’t be able to get involved in such a good investment project.” Xiao Yao didn’t want to say too much, but simply explained For a moment.

"Aren't all fortune-telling lie? Son, do you really understand these divine things?" Bai Yuzhen was surprised.

"It's not all lie, my master is the kind of real high-ranking hermit." Xiao Yao specially warned, "I will look at the fortune-telling matter. God was harassed by others."

"I know, your dad and I will definitely not spread it to the outside world. Everyone has their own opinions on this kind of godly talk. It's better not to let people know." No matter whether his son's ability is true or false, Bai Yuzhen will do it. I don't want others to look at my son in a strange light.

"Dad and Mom, what do you think of these three investment projects?"

"These three investment projects are like giving you money for nothing, of course." Bai Yuzhen no longer opposes his son's investment in these three projects. "It just needs too much capital. You can put these three projects as soon as possible. Prepare for the relevant procedures. Both shares and fixed assets can be mortgaged, but after reviewing, I can determine the specific amount that can be loaned to you."

"It doesn't need to be so troublesome. I am not going to use these three items as collateral. I am going to directly use gold as collateral, right?"

Xiao Yao has a lot of gold in his hands, and the gold he bought in the past few decades has completed procedures, and he is not afraid of being tracked down by others. The price of gold is very low now, he is not prepared to sell, but it can be used as a mortgage. When the price of gold rises to a high level again, it is also possible to sell it directly to the bank.

During these 3000 years, the gold that was collected by Panwu in Qiankun Ring was too much, but most of the gold before modern times can be regarded as antique collectibles, and the value far exceeds the value of gold itself. Only in recent decades, most of the gold collected in Panwu has no collectible value. You can consider selling it when the price is right.

"The funds you need for these three projects add up, but there are 10.5 billion. Do you have so much gold as collateral?" Bai Yuzhen was surprised.

She couldn't imagine how much gold worth 10.5 billion would have?

"The current price of gold is about 260 yuan a gram, and if I borrow 10.5 billion, I would use 40 tons of gold as collateral, that's enough." Xiao Yao said lightly.

Xiao Zhenshan was really frightened, and his voice was a little trembling, "You can actually come up with forty tons of gold! Really? Your master is too rich, right?"

"Forty tons of gold! It must not be a golden mountain?" Bai Yuzhen was also shocked.

Xiao Yao shook his head, "The same volume of gold is more than 19 times the weight of water. 40 tons of gold is two cubic meters in volume. It sounds a lot, but in fact, there is not much in front of you. It is far from a golden mountain. Far."

"That's not old or young anymore. Two cubic meters of gold is exciting to think about. Do you really plan to use gold as a collateral? Is it too high-profile?" Although it represents the same value, it is made of gold. Mortgage is far more shocking than using shares and fixed assets as collateral.

"The gold has been hidden in the secret room by my master. I always feel that it is not very safe. It is more reassuring to put it in the bank. It is just a mortgage, not a sale. I think it is more reassuring than a mortgage of shares. The procedures can also be easier." Xiao Yao has a lot of things that can be used as loan collateral, but gold is definitely the most convenient.

Other collateral items, whether they are shares, fixed assets, or antique jewelry, need to be evaluated by the bank. The procedures are cumbersome, while collateralizing gold is not so troublesome. After testing and weighing, you can complete the whole process in a few days. Loan procedures.

In the three investments of Xiao Yao, 10% of Huahui Bank shares and 8% of Lufax shares, he promised to pay all the funds within three months. The 3 billion replacement capital of Hanguang Building is longer and has a one-year period.

He considered that Qin Huali performed well afterwards, and the benefits he got in his hands were already a lot, so there was no need to drag the 3 billion funds for a year before paying. In a few days, he was going to pay Qin Huali all of this money together with Lu Jin's share replacement fund.

Now he is a shareholder of Huahui Bank, and his mother is the deputy governor of the provincial bank in charge of credit. Now he needs a loan, so naturally he has to borrow from his own bank.

In his capacity, using gold as a collateral will definitely be able to keep the loan interest rate to a minimum and at the same time solve the problem of his mother's work. This is the best of both worlds.

Xiao Yao took out such high-quality collaterals, and the loan procedures were handled very quickly. It only took three days to get the 10.5 billion loan into his account.