Chapter 1573 Andre Demands Debt

Yang Dongxu has been in Hong Kong for almost a week. Except for the second day after he arrived in Hong Kong, he held a banquet for wealthy families that attracted wide coverage by the Hong Kong media.

The rest of the time, he basically had private contact with some wealthy families in Hong Kong, and also went to see Uncle Six.

As for the banquet for wealthy families that made the headlines for several days, although he was the host of the banquet at that time, because the banquet was held in a hotel, his photo did not appear in the media reports.

After all, reporters were not allowed to enter such a banquet. Many reporters just stood at the door of the hotel, carrying long guns and short guns to shoot the wealthy people like walking on the red carpet at a film festival.

As for the interior of the hotel, especially the banquet hall, they definitely couldn't go in, and it was even impossible to go in and take pictures secretly, and they wouldn't be stupid enough to go in and take pictures secretly.

After all, there would basically be no explosive news in a banquet like this where wealthy families gather. Even if there was, he went in and took pictures secretly, which was equivalent to a threat to the privacy of the wealthy families.

In Hong Kong, you offended all the wealthy families at once. Are you ready to sacrifice yourself for performance?

Therefore, there is a fundamental difference between the privacy of wealthy families and celebrity gossip, although there are many gossips about wealthy people that often make the headlines of newspapers.

But that is gossip within the rules. The wealthy may be angry, but it has no impact on their wealth and other privacy. The audience just watches the excitement and then curses and leaves it alone.

The host of this banquet has made it clear that reporters are not allowed to enter. Even before interviewing and taking pictures at the door, many reporters have received warnings from their leaders.

At this time, it is a task to just take a few photos and interview a few people at the door. Why do you have to make things difficult for your own life?

So although this banquet caused a lot of noise in Hong Kong, Yang Dongxu, the initiator of this banquet, seems to be relatively free.

Every day, except for privately visiting these wealthy families to discuss the next real estate issues, the rest is basically at home with his daughter.

He often appears in shopping malls or some pedestrian streets hand in hand with Li Fuzhen, and then pushes a baby stroller, just like a home husband, and there is nothing conspicuous.

Even the Hedong Garden where she lived was not like other places where Hong Kong tycoons lived. There were many reporters waiting to make a big news.

Some tycoons wanted to be exposed because they needed to show their power through this means, but some tycoons could keep a low profile if they wanted to. Especially Yang Dongxu, who was already above the level of ordinary tycoons.

"There is no problem with the bank. The only thing left is a few foreign banks, and there are more." Yang Dongxu gently put his daughter who was sleeping in the cradle.

Then he walked out of the room and came to the living room. Zhang Yu reported to him with the information in his hand.

In order to stabilize Hong Kong's real estate, in addition to communicating with major wealthy families and Hong Kong real estate developers, there is another point that cannot be avoided, which is the bank.

In fact, most of the waves in the real estate are caused by the leverage of banks.

For example, the previous Hong Kong financial crisis, and the subprime mortgage crisis that will happen in two years, etc., are actually the result of the excessive leverage of banks, which has caused the financial and real estate industries to be infinitely magnified.

But banks will definitely not lose money in business, and all these risks will definitely be passed on to home buyers, so there will be so many people lining up to jump off buildings every time there is a financial crisis.

For example, now house loans are basically floating interest rates, not fixed interest rates.

If you don’t have that much money and still want to buy a house, then when you go to the bank for a loan, the interest rate cannot be too low. And this interest rate is not fixed but floating.

For example, the market is not good now, and banks need to relax loan conditions, so the interest rate may be lower at that time. But when the market is good, banks will not worry about lending, and this interest rate will definitely be calculated according to the market high at that time.

In short, banks will not suffer losses and will make a steady profit.

But the borrower is different. For example, the house you buy with a loan is worth 10 million yuan now, and you pay 1 million yuan as a down payment and borrow 9 million yuan from the bank.

One day, the house suddenly plummeted and was only worth 7 million yuan. Not only did you lose your down payment, but you also owed the bank 2 million yuan.

Once the loan is suspended, the bank will definitely take back the house, and the money from the house auction after taking back the house cannot be calculated according to the market price.

The market price is 7 million, and if you can sell it for 6 million, it's considered a high price. In this way, you directly owe the bank 3 million.

That's right, even if your house is taken away, if the house cannot cover the loan after the auction, then the part that cannot be repaid is still your debt, and you still need to repay it. It doesn't mean that once the house is taken away, the debt will be cleared and you have nothing to do.

So in this case, if you say you owe a million or so, your family can grit their teeth and work hard to pay off the loan.

But how can those speculators only sell one house and only use the normal leverage of the bank?

As long as the financial crisis occurs, those who directly bear tens of millions of debts are small characters. Many people are financial giants who have been in various glory before, and directly carry billions of debts.

So many debts can never be paid off in this lifetime, and the rest can only jump from the rooftop.

Therefore, if you want to have a smooth transition in Hong Kong real estate, the core point of banks cannot be bypassed.

"They are all foreign banks that are in the same boat with those who are causing trouble. This is really a bit difficult to deal with." Yang Dongxu rubbed his chin.

This is why he went directly to the wealthy families to communicate after coming to Hong Kong instead of the banks.

Needless to say, his own bank will definitely stand on the side of Hong Kong. If the president dares to cause trouble, he doesn't need to say anything. There will naturally be leaders above to deal with him directly.

Moreover, the presidents of these banks are not mentally ill, so they naturally can't do such stupid things. So there is no need to worry about this.

Now the major wealthy families have expressed their opinions, and both sides have begun to negotiate and formulate plans to stabilize Hong Kong. The hardest bone left is these foreign banks.

And because China is now actively introducing foreign investment to the mainland, these foreign banks often play a bridging role in it.

After all, for many foreign capitals, compared with Huaxia banks, they naturally trust foreign banks that they are familiar with and have had financial transactions with for many years.

Therefore, these foreign banks cannot be forced to act, otherwise if they cause turmoil in those foreign capitals that really invest in the mainland, it will undoubtedly be more than worth the loss.

At the same time, these foreign banks were originally one of the backers of those who were making trouble, so this matter was extremely difficult to handle.

However, although it was difficult, although banks were the core that could not be avoided, there was still a way to control it.

For example, in order to maintain the orderly and sound development of Hong Kong real estate, it was necessary to crack down on speculative speculators.

If buyers sell their houses within five years of purchasing them, imposing various taxes is a good means of control.

This will not only not affect the purchase of houses by residents who really need to buy houses, but also limit the speed of circulation of houses in the hands of these speculators.

In addition to bank loans, there are also down payments for buying houses. Within five years, this amount of money will be directly trapped in a house. It can directly increase the investment cost of these speculators, so there will definitely be a certain inhibitory effect on more speculators.

In addition to this method, increasing the down payment ratio for the second house is also a good way.

Of course, the best way is to directly hold the bank's money bag, but unfortunately this money bag belongs to foreigners, not their own, and they don't let them hold it.

"Arrange the itinerary. I'll have dinner with the people from the Ministry of Commerce in Hong Kong, especially the leaders who are directly in charge of real estate and land approval.

If these banks don't listen, let them be disobedient. Housing, land and real estate policies are all fully prepared. I don't believe these banks can jump anywhere."

"Okay, I'll arrange it for you right away." Zhang Yue wrote it down, and then continued, "Mr. Toy called just now and said he has something to discuss with you."

Just now, Yang Dongxu was coaxing his little princess to sleep, so he didn't bring his mobile phone with him, lest the phone suddenly rings and wakes up his little princess who wants to sleep again.

"Did you talk about anything?"

"It seems to be about Mr. Andre." Zhang Yue said.

Yang Dongxu raised his eyebrows and reached out to take the phone and made an international long-distance call to Toy.

The call was quickly connected, and the two talked on the phone for about half an hour. Then Yang Dongxu frowned and turned the phone over and over in his hand.

The matter is indeed about Andre. Now he has been caught by someone, which has affected Toy and extended to him.

After receiving his instructions before, Toy and Andre cut off quickly.

Although his cooperation with Andre is too deep, it is definitely impossible to cut it off completely. But there is basically no problem with the contact with Yang Dongxu.

After all, Yang Dongxu was not familiar with Andre before, and many of the cooperation was not deep, and there was Toy as a middleman. So it is easy to cut off on his side, and even if Andre is arrested now, it has nothing to do with him.

Toy will definitely be affected, but with Yang Dongxu as a strong backing, he doesn't need to worry too much. Obviously, it is precisely because of this that Toy was so clean and neat when cutting off the cooperation between Yang Dongxu and Andre.

However, although this call was not about Andre's accident, it was Andre's trouble.

Perhaps the rich man has lived a peaceful life for too long in recent years, and this person feels that he is doing it again. The person who fled abroad in a panic and dared not return to China before is not him. So he started to get angry and wanted to ask for the previously seized assets.

This was simply looking for trouble, and he was obviously mentally ill and couldn't figure out who he was.

Of course, there was a reason why he couldn't tell who he was. Andre's seized assets were indeed tempting. In addition, he had a big problem with his investment business recently.

Seeing that he could have lived a wealthy life for the rest of his life, he suddenly suffered a Waterloo. In the future, people who spend so much money may be gone, and he can only live a tight life. How could Andre, who was used to a luxurious life, be willing?

So he set his sights on the assets that he thought should still belong to him. In fact, he was not so bold to shout directly at the beginning.

As a result, there was no response from the other side. He thought that the other party might be concerned about its own international image and was weak. So he shouted more fiercely, but in fact, the other party just didn't want to pay attention to him.

As a result, he made a mistake and shouted even more fiercely, so the other party naturally slapped him directly. Andre in his heyday was chased like a stray dog, not to mention Andre now. So he was in great trouble at this time.