Lu Li, Zhang Dadong and Ou Chenli walked out of the car and stood on the street. Zhang Dadong pointed at a building across the street, "It's this."

Luli looked up and saw that this was a five-story building. The main construction had not been officially completed. You could see scaffoldings spread outside the building, like spider webs, and there were scattered workers working on it. "This... seems to be a new building, right?"

"Yes, this place was originally the new site of the Department of Justice. It was originally an old building that had become a dangerous building because it was too long. So it was demolished in 1980 and changed to a subway station hub. The Department of Justice moved here. However, because the government wanted to cut expenses on a large scale, the later construction funds of this building were seriously disturbed, and there were signs of becoming an unfinished building."

Luli was confused when he heard this. Given the current economic development situation in Hong Kong, will the government still fall into an unsustainable dilemma for building such a building?

After hearing his questions, Zhang Dadong and Ou Chenli looked at each other and smiled bitterly: "Lu Sheng, this is Hong Kong, not the mainland where you are. The situation is very different."

"What's this? What's wrong with our mainland?"

"In your mainland, an administrative order from the leaders can completely ignore the opinions of any common people, let alone the rubber stamps you have. These people only know how to eat rice and then raise their hands to pass. But for us, that's not the case."

Ou Chenli sneered and said, "If you give you an example, you will understand that any civil engineering project in the government, from bidding, collecting materials, later construction, purchase of raw materials, and then to final acceptance, and use of check-in, you don't know how many pairs of eyes are staring at it! Once any artificial and illegal behavior occurs, it will become the key target of newspapers, radio stations and the ICAC!"

Seeing Lu Li's face getting ugly, Zhang Dadong hurriedly stopped Ou Chenli's words, "Mr. Lu, the situation is indeed as he said frequently. In fact, the construction of this Department of Justice building was also encountered in such a situation. This Secretary of Justice was involved in the bidding scandal of the new site building. It is said that he had received bribes and accepted... Ye's company's off-stage transaction was exposed in this police crackdown on gangs!"

"I understand, so the construction of this building was delayed? But I can't just throw it here like this, right? This is all... most of the time it's done? How wasteful?"

Ou Chenli said: "Of course you won't throw it away. Sooner or later, it will continue to be rebuilt. However, even if it is completed, it will not become the new site of the Department of Justice. Hong Kong people have received very technological modern education on the surface, but in fact they are superstitious. Before this building has been completed, a senior government official was sent to the Independent Commission Against Corruption Office. There is no need to mention the specific persons involved in the bidding process. I am afraid that after this matter is thoroughly investigated, countless people will be sent to jail! Think about it, what kind of Feng Shui is this? Who dares to use it?"

Lu Li looked at Ou Chenli curiously, as if asking her: People on your side dare not use it, how did you know that I must use it?

Ou Chenli grinned. "Mr. Lu, you Communists are all pure materialists and don't believe in these things, right?"

Luli laughed at it in silence, "Well, even if I don't care about these things, I dare to use them. Now... you can't let me move in like this, right? My money is not enough to buy or rent such a building, let alone I have to pay for it to complete these projects!"

"Well, if you really want to do it, you can borrow money from the bank and propose liquidation to the current owner of the property, and then you buy it. In this way, the building will become the real estate under your name. At that time,..."

"You said it was so vague, how much would I spend?"

"It's about 47 million."

Lu Li was shocked, "More than 40 million? Do you think I am a money printing machine?" His voice was so loud that it attracted everyone passing by. "You are just making fun of me!" In a panic, he even spoke the local dialect in his hometown.

Zhang Dadong and Ou Chenli couldn't understand his words, "Mr. Lu, don't worry, although there is a lot of money, in a business society like Hong Kong, who does this kind of business transactions owes a lot of money to the bank? Moreover, Allen and I have calculated for you that if your hot pot restaurant can open smoothly, it will only take three or five years to solve these problems."

"That's not OK. Good guy, I'm so stupid that I owed the bank more than 40 million yuan. I can't even sleep! You can't pull it down."

Zhang Dadong and Ou Chenli laughed in unison, "Mr. Lu, you don't owe money for no reason. Don't forget that you can also get a real estate in the Causeway Bay area? This building has seven floors in total, and the total construction area is 1,445,253.12 square feet! Such a large area is more than ten times larger than your current hot pot restaurant?"

"Yes, I know this place is very big, but... it's big, I have to have so many customers. What if there are no customers, I will not only lose money? By the way, Miss Ou, please help me calculate. If I owe the bank more than 40 million, how much interest would I have to pay them a month?"

"If it is calculated at 40 million, at the interest rate of 2.19%, you have to give them 876,000 yuan a year, and on average, it is 73,000 yuan per month."

Luli was stunned, "There aren't many? You're not doing it wrong? If that's the case, there's no problem!"

Zhang Dadong and Ou Chenli were stunned at the same time: Is this person really stupid or pretending to be confused? It's really unreasonable for him to get rich! The girl gave him a blank look, "Do you think that's all? Don't forget, you still have the principal to pay back!"

"ah?"

"Yes, if you borrow 40 million yuan and pay it back in ten years, it will cost 4 million yuan a year, and it will cost more than 330,000 yuan a month. In addition to the interest amount, it will float around 500,000 yuan..."

"No... the interest rate is only 70,000, how come it is added to 500,000. It should be 400,000, right?"

Zhang Dadong knew that he didn't understand and explained patiently: "As the repayment period is extended, the interest will increase accordingly. Of course, what is said frequently is the most common situation. As time goes by, the corresponding repayment amount will also decrease every month - this is because the more you have to and the longer you have time, the less principal you owe the bank, which is natural. This decrease in base naturally means that the interest will decrease. This is a very complicated calculation formula. If you want, I can find someone to explain it specifically to you."

Lu Li listened, and quickly calculated that the current hot pot restaurant business would have a daily turnover of around 40,000 to 80,000 yuan. If you could copy such data, it would not be a big problem to bear a monthly debt of more than 500,000 yuan. "Then, I would like to ask you, if one day, I will return all the money to the bank. Can you do it?"

"What is...a brain?"

"I suddenly had money and still owed the bank 30 million, and then I returned all the 30 million to the bank. How about it?"

Zhang Dadong and Ou Chenli were stunned and asked after a while: "You... have so much money?"

"Of course not. If so, why would I still look for the bank? I just asked. If that's the case, will it work?"

"This requires negotiation with the bank. You may have to make some concessions on interest. After all, if you borrow money from a bank, you also need to make money."

"I understand." Lu Li nodded, looking at the five-story building under construction, I felt really satisfied. I have been in Hong Kong for less than two years. Can I own such a building? I really have to wake up when I fall asleep! "Mr. Lu, Mr. Lu? Why are you laughing?"

"Ah!" Luli wiped the corner of his mouth and suddenly asked, "Miss Ou, what you told me at the beginning, to cooperate with Stephen's company. If I ask them for their financial help, can I reduce the share of loans to the bank?"

"I personally do not recommend you to do this. In the eyes of the British, such a property is even more valuable than your hot pot restaurant. If the other party proposes to use the building itself as the collateral for the partner, what do you say?"

Lu Li changed color suddenly. His mind was getting quicker. "What's this? They are working with me. Since they cooperate, there will be risks. Why do you ask me to come up with any collateral? If so, why should I still ask them for it? Just look for the bank directly?"

Zhang Dadong laughed secretly. Lu Li was sometimes silly and stupid, but he understood at this moment. But such words couldn't help the two of them. "That's right, but you don't think that the British are just giving you money for no reason, right? Yes, what you said makes sense. Business behavior itself has certain risks, but you also have to consider whether this risk is proportional to the future returns. If possible, these people dare to throw in no amount of money, otherwise they wouldn't even take out a penny."

"You mean, my Luoshizi hotpot restaurant will make them feel that the risk is greater than the benefit?"

"Absolutely, if it were me, I would definitely propose to use this building as collateral. In other aspects, even if some concessions are made, it is acceptable."

"Well, if I borrow money from Stephen's company and then mortgage the building itself, how long... or what circumstances will this mortgage end?"

"Of course, after the transaction between you and the other party is completed, that is, when you pay off all the money you borrowed from Stephen's company."

“Isn’t this the same as the bank?”

"On the surface, it seems the same, but in fact, there are still some differences. First of all, the interest rate is much lower. Second, Stephen's company will arrange for people to participate in your daily operations. Third, the company, as the investor, also has the right to check the accounts in the store at any time."

Luli nodded, "I understand, I think about it, how about it?"

"Of course. But you'd better give me a sure reply before the 11th of next month."

"No problem." Luli nodded cheerfully and walked towards the car, "Let's go back, I have something to do."

************************************************

All the way to the intersection of Dajiao Street, Luli got out of the car and turned around and said to the two people in the car: "That, Lawyer Zhang, Miss Ou, and Stephen's company affairs. If I want you to be my lawyer representing him to negotiate with the other party, will it be necessary to do any formalities?"

"If you want it, go to our law firm, apply for a legal text, and then it's OK - if you do have this need, we will prepare the documents, you just need to come and sign the name."

"Okay, you guys are ready, I can go there anytime."

Zhang Dadong nodded, started the car again, and drove out in a flash.

"Allen, you and him..." Ou Chenli looked through the rearview mirror. Luli was still standing on the street and waving to them. Until he turned a corner and couldn't see each other, he then withdrew his gaze, "Why did he call you in this formulaic language? Didn't he always call you Allen?"

"Ah." Zhang Dadong stammered vaguely and didn't say anything. Ou Chenli immediately knew that something was really wrong between the two friends! "Why, it's not convenient to say it? Then forget it."

Zhang Dadong felt a little embarrassed when she spoke like this. He said the two of them in a few words, "Frequently, you know, I am not the kind of profit-oriented person, but this kind of thing is always a thorn in my heart! Do you understand?"

"I understand, but what I don't understand is that Mr. Lu's personality should not make such a decision? Have you ever thought about what might be hidden here?"

Zhang Dadong looked ahead and sneered disdainfully. What hidden information can be found? Naturally, he is unwilling to let him make less money because of me! "Forget it, if you can't be friends, can't you treat it as a customer?"

Ou Chenli sighed, looking at the street scene passing by outside the window, suddenly felt sick, her little hand covered her mouth, and said whimperingly: "I'm sorry, can you stop?"

"What's wrong?"

"I'm a little disgusting!"

"Ah, that's fine, that's fine." Zhang Dadong didn't know what was going on, so he parked the car on the side of the road. Ou Chenli quickly pushed open the car door, bent down, and vomited. It took a while before she sat back. Her little face was in pain, and her eyes turned red. "Frequently, are you... okay?"

"It's okay, I... maybe I didn't have breakfast in the morning and I'm a little hungry."

Zhang Dadong was secretly surprised. Who was vomiting because he was hungry? But the old man didn't ask too much about the girl's house, and smiled warmly and started the car again.
Chapter completed!