Reborn with Consumption System-Chapter 471 - 222 We Have People at Every Step

Han Lie, upon entering Liu Minghao’s circle, found that the conversation topics suddenly became wild.

There were all sorts of people in this bunch, with restaurant owners like Sun Changzhe being nothing but the bottom feeders.

Loan sharks and real estate developers got along famously.

Those in international labor services and study abroad agencies found common ground rather easily.

The most ruthless guy among them ran mines in Africa—and not in the relatively safe northern countries, but in the likes of Sudan, Congo, and Chad.

And the wealthiest one? He was into the wholesale vegetable market.

Amazing, isn’t it?

Han Lie was quite surprised too. This guy’s cash flow exceeded even that of the mining tycoons, and his wife had four or five buildings in her grasp—not just single units, but several *actual* buildings!

"I don’t understand all that private equity or stock stuff you guys are into!"

The short and stocky Vegetable King was straightforward, carrying himself with a rare, worldly swagger uncommon among Shanghai men.

"But I trust Liu the lawyer. Whenever your company needs money, just say the word, and I’ll back you up!"

Good heavens, I don’t even know how to respond... Han Lie thought. If I turn him down, it’d be snubbing his goodwill. But if I don’t turn him down... I really don’t need his paltry vegetable money...

Compared to the Vegetable King’s enthusiasm, that loan shark seemed quite full of himself.

"Kid, can your fund guarantee a 20% return annually?"

"No."

Han Lie chuckled and shook his head.

"TSK, TSK, TSK..." the loan shark sighed with feigned disappointment. "It looks all high-class, but it turns out it’s just hard-earned money..."

Han Lie immediately understood. This jerk saw him as a competitor.

Heh, how interesting!

Nowadays, those heavily involved in private lending weren’t using their own money. Who would lend out an entire hundred million just like that? They’d usually only lend out fifty million at most, and only to very reliable, solid contacts with collateral, making a modest twelve or thirteen percent interest. What about clients who were riskier? They’d go out and raise funds! Borrow at rates of over ten percent and lend out at twenty-five percent, earning the spread.

The most impressive players were those who could get money from the banks. They’d take loans at an annual interest rate of around six-point-something percent and lend them out at double digits, making a killing. The less formidable players had to seek out cash from external sources, which obviously came at a higher cost. But as long as they could get the money, no matter how high the cost, there was profit to be made—definitely better than sitting around broke.

So, those in this line of work were quite anxious and highly valued the money within their network. Their resources were limited, and their borrowing capacity was finite. The more others took, the less they could borrow. If you can’t borrow money, you can’t lend money, and if you can’t lend money, you can’t make money. It hurts, doesn’t it?

In fact, Han Lie had no desire to use that messy money. His only reason was disdain. Money without any added value? That’s not something I, Master Lie, accept.

But that jerk obviously didn’t know this, nor would he believe it, since others bringing in private funds really did scrape and claw for every dime with all sorts of tricks.

So, this was a misunderstanding, really. The guy underestimated Han Lie.

But Brother Lie had no intention of clarifying. Is he even worth it?

"You have it harder than we do," Han Lie chuckled, glancing at him sideways without offering his full attention. "You finance at an annual rate of 20% and have to lend it out at 25%, right? With those costs, real estate companies can hardly afford it. How many lawsuits do you have to deal with in a year..."

"Damn!"

The loan shark got flustered, his face turning beet red. "Do I look like someone who needs to sue? Little brother, go ask around in Qingpu and Yang Pu—who dares to owe Yang Zhi money and not pay up?!"

He’s flustered! He’s flustered! Han Lie thought. He immediately realized this jerk was nothing special.

Glancing sideways at Liu Minghao, who was grinning and enjoying the show without any intention of intervening or smoothing things over, Han Lie instantly understood.

The conclusion is simple—Liu Minghao has this jerk under his thumb! If this guy were a truly untouchable big shot, Liu Minghao would’ve stepped in to mediate long ago. No, wait. A real big shot wouldn’t be so sensitive and quick to get riled up. Since I can afford to offend him, why not mess with him a bit? That’ll teach these local snakes not to underestimate Brother Lie just because I’m young.

With that thought, Han Lie’s smile deepened.

Casting a secret glance at the real estate merchant, who showed a hidden anxiety between his brows but still maintained an air of composure, Han Lie rolled up his sleeves and let a slap fly.

"Don’t get upset, let me do a little math for you—

This year’s real estate market is indeed tough, with declines in both sales volume and prices. Many developers are short on cash, and banks are tight on credit, too. But I’m in finance, and knowing how to secure financing is right up my alley. If low-interest loans aren’t available, but the company has buildings under construction, it’s still easy to find funding at around a dozen percent.

Come on, I’ll show you how to play the game—

First step, find a reliable expert to consult with brokerages and trust companies to set up an ABS project. Use the future cash flow from the sale of buildings as the repayment source, with the parent company’s equity or owned land, property management companies, parking lots, etc., as collateral. Report it up, and you’re done.

Second step, once you have the project, sell it. You can sell it in pieces to fund investors, or you could sell it in bundles to large customers. State-owned enterprises aren’t short on cash, and even if they are, they can borrow it. Find one willing to cooperate for a loan. They get the funds at an annual interest rate of 4.2% and reinvest in our project for a return of 8.5%. Fair, right?

The brokerage acts as an intermediary here, charging a 1% fee.

The trust company acts as the main project entity and provides credit enhancement, charging a 2.5% service fee."