bookbashuk Page 653
Page 653
Upon hearing this, He Yuzhu frowned, thinking to himself: It seems I have to use my trump card.
He gazed intently into the distance, as if he could already see the dawn of success.
Some time ago, He Yuzhu sold off all the goods he had previously stockpiled, but the ensuing problem gave him a headache – his earning speed had slowed down considerably.
Currently, the houses he invested in and built are still under construction and will not generate rental income in the short term.
The income from his two office buildings was far from sufficient to meet his ever-growing financial needs.
Chapter 452 Show me some things now
Looking at his own machinery factory, although business is currently booming, the factory mainly produces ordinary mechanical parts.
These products are not technologically advanced and can be easily manufactured by any factory on the market.
Although sales volume is considerable, the profits earned are limited due to a lack of core competitiveness.
Looking across the entire Hong Kong region, many companies adopt similar business models, leveraging the unique geographical advantages of the port to generate profits through large-scale shipments.
However, for the ambitious He Yuzhu, such a profit-making method was clearly unsatisfactory.
At this moment, Liao Lieying curiously stepped forward and asked, "Do you perhaps have other ways to make money?"
He Yuzhu nodded confidently and replied:
"Of course! Don't forget, I haven't even gone through the mortgage procedures for those properties yet. And I've recently acquired several new plots of land. After careful consideration, I plan to mortgage all the industrial buildings and use the funds to speed up the project's construction."
Liao Lieying's eyes widened upon hearing this, and she asked in astonishment:
"What? You're actually going to keep building industrial buildings?"
He Yuzhu smiled slightly and explained confidently:
"That's right! So far, I haven't touched a single penny of bank loans. Take my two existing commercial buildings and these seven industrial buildings, for example; their total market value has already exceeded 7 million yuan. With proper planning and careful operation, their future development prospects are limitless!"
Liao Lieying silently calculated in her mind, and this series of data made her gasp in shock:
These assets combined have a staggering total value of 2200 million!
If we calculate based on a loan-to-value ratio of 70%, we could successfully borrow a staggering 15.4 million!
It's important to know that each industrial building requires a huge investment of 120 million to build, and this amount of money could actually build as many as 13 such massive industrial buildings!
You wouldn't believe it until you did the math! I was shocked by how much I actually calculated it!
In addition to the seven industrial buildings he already owned, the number of industrial buildings under He Yuzhu's name will now exceed an astonishing 20!
Faced with such a massive industrial layout, Liao Lieying asked with some concern:
"You're opening so many industrial buildings all at once. What if the economic situation changes in the future and becomes sluggish?"
However, He Yuzhu appeared confident and composed. He smiled slightly and calmly replied:
"Don't worry, the current economic environment will definitely get better and better. I have full confidence in the current economic situation!"
Indeed, as the saying goes, once you have ample funds on hand, you must find ways to use them rationally to maximize their value.
Although He Yuzhu adopted a rather aggressive and risky strategy of mortgaging existing buildings and land, as the machinery factory gradually expanded its production capacity and output increased day by day, he firmly believed that the machinery factory could earn a very substantial amount of profit simply by relying on its own operation and development.
Liao Lieying nodded after hearing this, indicating that she understood He Yuzhu's idea, but still kindly reminded him:
"While your approach certainly demonstrates courage and boldness, many businesspeople actually choose similar business methods. However, I still advise you to leave yourself some options so that you have a strong enough ability to deal with unexpected situations."
He Yuzhu patted his chest and assured Liao Lieying:
"You don't need to worry about that at all; I've already made thorough and comprehensive preparations."
Hearing this, Liao Lieying said nothing more.
He Yuzhu looked at the other person with a sincere expression and said:
"I sincerely request that you do me a small favor, is that alright?"
Liao Lieying frowned slightly and replied:
"Then please tell me what exactly happened."
Upon hearing this, He Yuzhu quickly began to explain:
"Don't worry, I will definitely not apply for a loan from our own bank this time. I already have other targets—Bank of East Asia and Hang Seng Bank."
It is worth noting that although Liu Chong Hing Bank successfully weathered the crisis not long ago, it has become extremely cautious in its actions since this incident.
If it were just a small loan like before, He Yuzhu could easily get it done with just a word, thanks to his relationship with the bank.
However, if it's a large loan request, it might not be so easy to get approved.
In fact, He Yuzhu had discussed this issue in depth with Liao Liewen before, and they concluded that it would be very difficult to obtain a large-scale loan from Liao Chuangxing Bank.
That's why he turned his attention to Bank of East Asia and Hang Seng Bank.
Seeing that the other person remained silent, seemingly deep in thought, He Yuzhu continued:
"Actually, what I need you to do is not complicated. Just act as my capable assistant and accompany me to discuss loan-related matters with these two banks."
After hearing this, Liao Lieying did not immediately respond. Instead, she lowered her head and pondered for a moment before raising her head and solemnly replying:
"It's not that I can't ask you for help, but..."
She paused slightly, as if carefully choosing her words. He Yuzhu, anxious and impatient, pressed on with another question:
"What's the big deal? Just ask for anything that's within my power!"
After all, for He Yuzhu, who is determined to continuously develop and expand his business, the most troublesome problem at present is that he has not been able to find a satisfactory, capable and trustworthy assistant.
Neither the Du sisters nor Elena are suitable for public appearances or long-term commitment to work.
Let's start with Elena. She used to be involved in business, but she mostly relied on Daniel's power to buy and sell goods.
Now, He Yuzhu naturally doesn't want her to suffer the hardships of running around and the exhaustion of working hard. He only hopes that she can stay at home peacefully, take good care of the children, and live a leisurely and comfortable life as a wealthy wife.
As for Daniel, although he is somewhat capable, he is ultimately only capable of taking on management responsibilities.
You know, he's a native Russian, so it's really hard for him to get along in this bustling and vibrant Hong Kong!
As for the Du sisters, both of them have now reached the Transformation Realm, and for He Yuzhu, they are undoubtedly the perfect partners for nighttime dual cultivation.
Putting aside everything else, these two women clearly lack sufficient talent and ability in business.
Looking at Du Guanghe's side, his current focus is entirely on his trading company, which mainly deals in trade between Hong Kong and Indonesia.
Moreover, he also had to deal with matters related to organized crime, so he was clearly not a capable right-hand man.
Previously, He Yuzhu had searched for several college students, but the results were unsatisfactory. Until later, he took a liking to Liao Lieying by chance.
Although she started out as an accountant, she also had some knowledge of business. Given her background and connections, He Yuzhu couldn't help but consider recruiting her.
The loss of Liao Lieying in the Liao family is really just the loss of a small accountant for them.
However, if Liao Lieying could come to He Yuzhu's side, things would be very different; she would be fully capable of taking charge of many complicated matters.
After thinking it over, Liao Lieying said to He Yuzhu in a coquettish tone:
"Hey, you have to cook me five delicious dinners!"
He Yuzhu was taken aback at first, then gave a confident smile and agreed.
As night fell and the city lights came on, He Yuzhu personally took to the kitchen, wearing an apron and bustling about. Before long, a series of delicious dishes, each with its own unique color, aroma, and flavor, were served.
Looking at the sumptuous dishes on the table, Liao Lieying couldn't help but feel her mouth water.
She couldn't wait to pick up her chopsticks and take a bite, instantly captivated by the unparalleled deliciousness.
The tender and juicy fish, the fragrant braised pork, and the refreshing vegetable salad... each dish seemed to have a magical power, making Liao Lieying unable to stop eating.
At this moment, she sighed inwardly:
It turns out that He Yuzhu, who looks unremarkable, is actually a hidden master chef!
Although she always belittled He Yuzhu, at this moment, she sincerely admired him.
They even wished they could enjoy He Yuzhu's delicious cooking every day from now on.
"Oh dear, are five dinners a bit too many?" He Yuzhu muttered as he tidied up the kitchen.
Liao Lieying quickly retorted:
"Where is the extra? It's not extra at all!"
He Yuzhu shook his head, sticking to his own opinion:
"No, no, that's too much. I can only make it for you twice at most."
Liao Lieying wouldn't let it go, hands on her hips, eyes wide, she said:
"Hmph, I don't care, I want to eat five dinners!"
As the two remained deadlocked, Liao Lieying's eyes lit up, and she suddenly had an idea. She spoke up:
"How about this, I'll add one more condition? How about I introduce you to my best friend?"
Upon hearing this, He Yuzhu immediately became interested and hurriedly asked:
"Really? Is your best friend pretty?"
Liao Lieying nodded without hesitation and replied, "Of course it's beautiful!"