btmnovel Chapter 135 System Credit
Chapter 135 System Credit
Chapter 135 System Credit
Had dinner out and came back to the "City Convenience Inn".
Liang Teng and Wu Xia didn't hold any "work coordination meetings" either.
I stayed together all day today, and exchanged ideas and opinions if I had any.No need to work overtime at night.
You can return to your own "guest room" and rest earlier.
Liang Teng is destined not to go to bed early tonight.
It's not that he doesn't want to sleep.
The spirit of the past few days has been highly tense, and now all the transfer procedures of the "King Wang Building" real estate have been officially completed, and the "property certificate" has finally been obtained.
Liang Teng felt as if a boulder that had been pressing down on his heart fell to the ground.
Relaxed all over.
He wanted to have a good night's sleep, but his high-pitched mental state made it difficult for him to fall asleep.
Liang Teng always felt that there was something else he forgot to do.
After thinking hard for a while, he finally remembered.
After 12 o'clock in the evening, it will be the 1st of the next month.
This new day will be the "system" settlement day.
This "settlement day", it is estimated that the "loss" is very considerable.
Because he invested a huge amount of money to acquire the old school site of "Liwu Village Primary School", and then paid more than 200 million to the agent "Mr. Liang", and his father was responsible for finding someone to build the company's "office space".
As a result, Liang Teng easily squandered the 500 million temporary quota of "startup funds".
Coupled with other projects, such as the large amount of building materials (mainly grained steel bars and solid fire bricks) hoarded in the construction of villas in his hometown, Liang Teng also spent nearly a million "system" money on bits and pieces.
Expenses that have not produced profits can all be counted as "losses".
In total, when the "settlement date" arrives, Liang Teng's loss should be close to 600 million.
In other words, according to the wonderful exchange method of the "system", if the "loss amount" is exchanged to him in cash at a ratio of 1:1, Liang Teng will have a cash income of nearly 600 million.
What used to be a very exciting "settlement day" now seems to be dispensable.
Even when the system was about to "settle" 600 million cash to him, Liang Teng actually forgot about this important day.
It can be seen that the attractiveness of the "system" faction discovering money is greatly reduced.
Sure enough, just after 12 o'clock, the "system" sent out a reminder message.
Remind Liang Teng that 596 million cash has been released to the account.
Liang Teng casually checked the bank text messages on his mobile phone.
In the past, the money issued by the "system" (note! Not the "startup fund") was all deposited into the ICBC card opened in Liang Teng's name.
This bank card was bound to Liang Teng's mobile phone, and there was a text message reminder when it was activated.
After looking at it, there were 596 million in the account.
Cash in, no surprises.Originally, the reputation of the "system" was relatively good.
Strangely, Liang Teng found himself not very excited.
It can even be said that this time I got the most money in the settlement, but it is far less exciting than when I only got 5 yuan in the previous settlements.
If you want to take stock of the results, you only got more than 5 in cash in the previous "system settlements", but this time you can get nearly 600 million in settlements, which can be said to be a very terrifying increase in results.
However, Liang Teng's vision has also become higher now.
To him, 600 million is not a lot of money.It can only be said that "talk is better than nothing".
Liang Teng didn't know whether to laugh or cry?
Could it be that his aura of pig feet is so strong that even the so-called "golden finger" (specifically referring to the "system") has been reduced to "chicken ribs" by his strength?
Is my capital operation ability so strong that I no longer need to rely on the "system"?
Thinking about it, it really makes that kind of sense.
Bypassing the "system", he was able to earn hundreds of millions of cash without using the "startup fund".And in the shortest period of time, they invested the living money in a high-quality "real estate" that was expected to make at least tens of billions of profits!
Under this crazy capital operation, the little "startup money" that the "system" has mastered is really "chicken money" in Liang Teng's eyes.
His cash is put in the bank to eat "current interest", which is more than the "startup fund" provided by the "system" every month.
The great situation has been formed, and he really doesn't like the little start-up money given by the "system"!
Not to mention the small monthly "fixed quota", but the "cash withdrawal" rules are so weird and complicated!
Pooh!
What kind of "loss amount" is realized one-to-one, and if you make a profit, you can exchange it one hundred to one!Isn't this deliberately making things difficult for an honest man like him?
Now that my brother is economically free, I don't need to be angry with your "system" all the time.
Liang Teng even considered that he has now completed his "primitive accumulation" and has the capital to invest in some of the money-making projects he locked in.Did you wait until after the "settlement date" this time, and get 600 million in cash, put the "system" in the "cold palace", and don't bother to use the "startup fund" quota? !
The "Entrepreneurship Fund" provided Liang Teng with a fixed monthly start-up fund, which made him feel like the "two bets" he used every month before he was reborn.
Especially the previous one, the amount given to Liang Teng is not much, but there are many restrictions.For example, even "cash out" is not allowed.
How similar is the start-up fund given by this "system" to the previous "bai"? !There are also many restrictions on the use, and it is not allowed to invest in "real estate" such a profiteering industry! ! !
I am so wise!
No, as soon as you bypass the "system" and don't spend its "startup funds", you should resolutely invest in the real estate industry-it took so much time to generate such amazing wealth!
In the previous life, I really messed up too badly, so I had to brush "two chant" every month.
Of course, the self who has revived the first life will rise, how can the "system" venture capital similar to "the first chant" be played in the palm of the hand? !
Liang Teng's complacency did not last long.
He received an inquiry message from the "system"——
“鉴于宿主已多次通过‘系统’结算，累计‘亏损额’突破600万。实际发放601万到账。宿主自动获得了开通‘信用金’的权限（成绩超过500万时可开通）。请设置‘信用金’额度倍数——Ａ；5倍。Ｂ；20倍。Ｃ：40倍。Ｄ；60倍。”
"Credit money"?
The "system" previously gave Liang Teng an additional amount of "startup fund" every month, and every settlement day, he settled the actual income with him in a strange way.
Because the amount is too small, Liang Teng, who is now rich and powerful, already feels that the "startup fund" looks like "tasteless", it is tasteless to eat, and it is a pity to discard it!
He just finished laughing at the "system" and had the idea of "abandoning it", but he didn't expect this guy to offer him some kind of "credit money".
People who have used "credit cards" don't understand the so-called "credit funds" again.
You can even understand the credit of the "system" in this way-isn't it the "second chanting" of the "two chanting" with a larger amount?
Brother now has nearly [-] million in cash at his disposal, can he still value the several million "credit" line given by the "system"?
"Settlement" in that weird way every month!
Settling the "startup fund" is troublesome enough, do you have to settle another "credit fund" with the "system"?
That's even more annoying.
However, after Liang Teng read the "system"'s introduction to "credit fund", he suddenly realized that this "credit fund" and the monthly fixed amount of "startup fund" are completely different concepts.
"Entrepreneurship Fund" is probably born to help the host complete the accumulation of original wealth, so there is a "quota" every month, and you need to have a considerable amount of "loss" before you can follow the "1:1" ratio. Settlement cash to you.Therefore, it is not easy for the host to accumulate more than 500 million yuan in reality.
If Liang Teng hadn't obtained a "temporary quota" of 500 million "startup funds" after several rounds of negotiations with the "system", and successfully squandered it, he would have accumulated more than 500 million "real wealth", It is estimated that we will have to work hard for two to three years.
Only when more than 500 million cash has been obtained can the "credit" authority be triggered.
The amount of "credit" is calculated in multiples of your actual wealth.
In other words, now that Liang Teng has earned 601 million real wealth from the "system", if he chooses 5 times the "credit fund" amount, then he can control the "credit fund" of 3005 million.
So on and so forth.
If he chooses 20 times the "credit" amount, then he can control more than 1 million "credit" of 2.
If he chooses 40 times the "credit" amount, then he can control more than 2 million "credit" of 4.
If he chooses 60 times the "credit" amount, then he can control more than 3 million "credit" of 6.
Now the "system" gives him a maximum of 60 times the amount of "credit".
In other words, the "credit fund" of more than 3 million yuan is now Liang Teng's limit.
But this "credit fund" is not the end of it.It can no longer be improved in the future.
"Credit Fund" can still be increased, but the method of improvement is closely related to your "Entrepreneurship Fund" settlement results.
For example, let’s say this, if after the next “settlement day” you lose a huge amount, the real wealth you get reaches 1000 million.If you choose 60 times the "credit" amount, then the "credit" you can control will rise to 6 million.
Of course, if you have no losses but only profits on the next "settlement day", then according to the ratio of 100 to 1, the settlement cash will be paid to you, and the real wealth you will get will be less.
Correspondingly, there is almost no room for growth in the amount of "credit" you can control.
Therefore, if you want to control more "credit funds", you must use "startup funds" to lose more and earn more real wealth.
As for the "credit fund", it is not free for you to use.
"Credit" has no time limit for repayment, but it has different interest calculation methods.
For example, when you choose 5 times the "credit fund" amount, the interest is calculated at 20% of the annual interest rate.When choosing an amount of 40 times, it is calculated according to the annual interest rate of 60%.When choosing a [-] times amount, the calculation is based on an annual interest rate of [-]%.When choosing the highest amount of [-] times, it is calculated according to the annual interest rate of [-]%.
After selecting the amount, the loan interest for repaying the "credit fund" will be based on the amount you actually used as the base for "interest calculation".
The interest deduction time is synchronized with the "settlement date" of the "system".
Liang Teng's heart skipped a beat.
Nowadays, the bank's loan interest rate has reached more than [-]% for more than five years.The "credit" interest provided by this "system" is actually the highest at no more than [-]%.
That is to say, even if you have borrowed the "more than 3 million" credit limit and borrowed for a long time, you only need to pay interest of more than 6 million per year at most.
And borrowing so much money from the bank, the annual interest is more than 2 million.
In addition, you don't need to take out collateral to pay for "credit funds".
Of course, the "credit card" issued by the bank does not require collateral, but how much can the "credit card" limit be?
If you really want to use a lot of money, you need collateral to apply for a loan from the bank.And the loan can only be issued at half the price of the "collateral" value evaluation.
No matter how you calculate it, it is impossible to use the "system" of "credit".
Liang Teng gradually figured out the taste: the "credit fund" of Ganqing is related to the "startup fund", but it has completely different characteristics.
The amount of "system credit" is relatively high, and interest will be charged when using it.But the advantage is: the credit does not limit the scope of your use.
In other words, you can use your "credit funds" to invest in real estate and the IT industry, and the "system" probably won't fart, let alone stop you.
Liang Teng wanted to verify whether his "interpretation" was correct or not?I also took the trouble to ask the "system" repeatedly: can the "credit fund" be used to invest in real estate and real estate that are "unrelated to entrepreneurship"?
The answer I got was yes.
At this point, Liang Teng finally believed that after he repeatedly bypassed the "system" and used the money he earned to invest, the "system" that was completely left out felt unprecedented pressure, so he was so generous and opened A very useful "credit fund".
As a supplement to the tasteless "startup fund".
Of course, on the bright side, the "system" would not admit Liang Teng's above-mentioned "little mind" guess.
All the rules on which it is based have been drawn up long ago.Liang Teng hadn't reached that point before, and hadn't met the conditions to trigger the "credit fund" authority, so of course he could only use the "startup fund".
Liang Teng didn't bother to argue with the "system".
Liang Teng chose 60 times the amount of "credit" without hesitation.
Seeing that I had an extra "credit" amount of 3 million out of thin air.Liang Teng was so excited that he couldn't sleep anymore.
Don't underestimate any "golden finger".
Even the golden finger of "system" usually seems extremely unreliable.But "Gold Finger" is "Gold Finger" after all!
At critical moments (especially when being deeply despised by the "host"), Goldfinger can finally explode with terrifying strength.
This is not!
The "system" immediately passed the "reasonable and reasonable" method and provided Liang Teng with a "credit" line of more than 3 million.
Liang Teng has 1 million cash on hand, even though he has 7 million in cash.But the money is a bit embarrassing.
You can use it to invest in some small projects. You don’t need so much money, but the profits of small projects are actually not ideal.Now let Liang Teng work hard to get a small project, it took a lot of time, and finally it earned several million.Liang Teng was a little unhappy.
You know, if you really want to use the "credit fund", the interest for one year alone will be tens of millions.If you earn less, you won't even be able to pay the interest.
So Liang Teng only thought about big projects.
Once you are used to doing big business, your field of vision will naturally expand.
Don't look at Liang Teng's two big real estate projects with huge profits all at once, they are all the accumulation of "living a lifetime".How can such a good thing happen so often?
Therefore, Liang Teng felt very shocked that the "system" could casually grant him a "credit" amount of nearly 4 million.
All of a sudden, I looked up to the "system" again.
Sure enough, "If you have a milk, you are a mother" is the absolute truth.Liang Teng could not escape such a vulgar law.
Originally, he only had an embarrassing 1.7 million cash on hand, and wanted to invest in some big projects that he liked, but in fact, this capital was not enough.
What?You said that you can take the "Wang Wang Building" real estate that has been transferred to his name, and go to the bank for a mortgage?
This can of course lend a lot of money.But it is a pity that the actual evaluation price of the "King Mansion" can only refer to the current housing prices in the surrounding area.In other words, according to the evaluation result, your real estate is worth about 2 million at most.The bank grants loans based on 50.00% of the assessed price, that is, more than 1 million loans to you.
As for Liang Teng's original 1.7 million in cash, he has to set aside 5000 to [-] million in cash to use in the renovation of the exterior walls of the real estate, the decoration of the "super duplex" on the top floor, the purchase of furniture and appliances, and the drainage of the basement. Waterproofing... In short, there are a lot of places to spend money.
Then only about [-] million can be used for new projects.
Coupled with the mortgage loan of more than 1 million from the bank, Liang Teng can have more than 2 million in cash on hand...
With this little money, Liang Teng felt that it was very difficult to implement the big project he planned to lock in.
When investing in such a major project, the capital budget has always been "predict more, not less"!
If you don't understand, just look at Yu Weidong's fate.Obviously, the real estate project has been completed, and the follow-up is short of some funds, just short of some funds!
If Yu Weidong has enough capital, even if he is faced with sudden family spending, even if he encounters a "clamp attack" from the national policy, he can still deal with it calmly.How about spending money and changing the large apartment size of the real estate to a small apartment size for sale!Or just leave it like that, and sell it after the country's policy changes in the future.
That is the benefit of leaving enough money to live.
If Liang Teng needs to mortgage the "real estate" in order to borrow more than 1 million yuan, he is actually reluctant to apply for a loan from the bank.
Now it's all right, the "system" showed its power and gave him more than 3 million "credit funds".
Liang Teng did a simple calculation, and the cash on hand reached more than 5 million.
With such ample living money, he immediately felt very sure about the big project he locked on.
Thinking of the excitement, Liang Teng couldn't hold back anymore.
Looking at the time, it was 12:[-] in Ling Chen.
Liang Teng reckoned that Wu Xia probably hadn't fallen asleep at this time.
With a shy face, Liang Teng called Wu Xia's cell phone.
The general idea is that the two roads behind the "King's Building" need to acquire about 2.5 kilometers of land to get through them.Liang Teng asked Wu Xia to help him understand who owns the land that needs to be expropriated?Is it from some local farmers?Or is it the land used by some public company?
Wu Xia was also very alert, and immediately reacted when he heard it.
She couldn't help but asked curiously: "Liang Teng, do you want to invest in yourself and get through those two dead ends?"
Liang Teng has nothing to hide from her.
He nodded: "I have a little intention. But whether you want to invest or not depends on the actual situation."
Wu Xia said: "Road construction is originally the responsibility of relevant departments, and it needs to use budget input. It is because it has a very obvious public welfare nature, high investment, low return, or even no economic return... Therefore, even many PPP projects They don't even include the 'road projects' in the city. Social capital investing in a certain project is bound to make a profit as the ultimate goal. Who will invest in a project that doesn't make money?"
"Investment in expressway projects is relatively easy to attract social capital investment. After all, toll stations can be set up to charge... But the roads in the city, especially the one to two kilometers of broken roads, can they still be opened in the city? Are there toll booths?"
"As I said before, there are two plans. The two broken roads behind the 'King's Building' can be repaired within one year. One is to introduce social capital, and the other is to compile the expected financial investment by relevant departments! In fact, the former The hope is slim, and the latter is the more reliable choice!"
"Liang Teng, you are anxious to revitalize the shops under the 'Wang Wang Building', and plan to invest in opening up those two broken roads yourself, right? But repairing those two sections of roads requires a lot of investment. At least a few big ones must be invested. It’s not worth the money—if you wait an extra year, I’m sure to convince the relevant local authorities to build the road. Why bother to invest so much money in order to get access one year earlier? A worthless investment."
These are all Wu Xia's true thoughts.
She told Liang Teng frankly and thoroughly, because she was afraid that he would waste the "limited funds" on hand.
The remaining 1.7 million is hard-won!She personally participated in assisting Liang Teng, and got it with great effort.
Wasted in repairing two "public welfare" city streets, even in the long run, it will have great benefits in increasing the land and housing prices of the "King Mansion".
But now it is not hopeless that the relevant departments will pay for this budget.
Why waste your hard-earned money?
Wu Xia earnestly advised.Of course Liang Teng appreciates her kindness.
However, why is Liang Teng so stupid? !Are you going to spend hundreds of millions in vain to invest in a road administration project that lacks direct income? (You also need to pay interest to borrow "credit" to make up the money).
For the time being, Wu Xia can't see how to get through those two roads. Where is the direct benefit?
Liang Teng had already seen it clearly.
With the funds in hand, Liang Teng would never let go of this lucrative project.
(End of this chapter)