Chapter 900 - 310: The Reverse Capitalist Li Yuan, Datang Technology Group_2

[The current housing prices have clearly started to rise again. I heard in private that Director Li is also optimistic about Modu’s housing prices, which are sure to go up in the future. I’m hesitating whether to take the money I’ve saved over the years and pay a down payment to buy a small three-bedroom apartment.]

[I also want to buy a house. As for the down payment, I saved a portion myself, and since joining "Tea Color Moonlight," the company gave some, plus a little help from my parents; paying a down payment is totally doable. I’m just worried that if I lose my job and can’t afford the loan, it would be a big problem...]

[I trust Director Li, there’s definitely no mistake. Who is Director Li, after all? If he says Modu’s housing prices will rise in the future, then they definitely will. Better buy early before the prices start to soar.]

[Hehe, I was among the first batch hired into "Tea Color Moonlight," personally recruited by Director Li and President Zhong. After working for just four or five months, thanks to Director Li’s favor, I’ve already earned nearly a hundred thousand yuan. Added to the over one hundred thousand I saved before, borrowing a little from my parents, and pooling efforts with my boyfriend, I can totally afford the down payment and buy a nice house. Just hoping our "Tea Color Moonlight" gets better and better. Though it’s busy and tiring, it’s really fulfilling...]

...

In Li Yuan’s private office after the meeting,

Zhong Tingyue sat on Li Yuan’s lap, with Li Yuan holding her waist. She looked at Li Yuan with a strange expression and asked:

"Senior, are we really going to reward them with houses?"

Li Yuan nodded first, then shook his head, and explained:

"Little Moon, I told you before that in big cities like Modu and Beijing, future housing prices will rise sharply, and there will be purchase restrictions in place. If these employees don’t buy now, they likely won’t be able to afford it later."

"So I want the company to buy some small apartments and school district houses to keep on hand, so we can give them as rewards to employees who make outstanding contributions in the future."

"You must have seen that some big companies offer equity bonuses to some senior-level employees. I don’t want to give away stock; I can only use another method to reward them."

"What do you think?"

Listening to Li Yuan’s plan, Zhong Tingyue suddenly chuckled:

"Senior, you’re really good to the employees below. I bet more than half of the female employees in our company have a fondness for you. When you mentioned rewarding them with houses, it felt like they wanted to eat you up!"

Li Yuan grinned, reached out and pinched her cheek:

"Be serious, don’t interrupt, we’re talking business!"

"Heh heh heh—Alright, let’s talk business!" Zhong Tingyue restrained her smile and looked seriously at Li Yuan, asking:

"Senior, I trust what you said, that housing prices in cities like Modu and Beijing will rise significantly in the future. I also agree with your idea of storing more houses to use as employee rewards."

"Other businessmen are capitalists who want to extract every last drop of surplus value from workers. But you, you’re practically a philanthropist, your wages, benefits, and levels of generosity are practically more lenient than those famous foreign enterprises..."

Thinking about the high welfare treatment Li Yuan has offered to employees since starting the company, and the bits of news she heard, Zhong Tingyue couldn’t help joking:

"Senior, you know, someone already calls our company the firm with the best wage and benefit treatment in Modu’s dining service industry."

"Hehe, I saw at night they even say—’Foolish and rich, come quick!’"

Li Yuan laughed with surprise: "Though I have much money, I am definitely not foolish. They also have to work hard at our ’Tea Color Moonlight.’ It’s paying for their appearances and labor."

With a warm smile, Zhong Tingyue gazed at Li Yuan, her beautiful eyes filled with affection, blinking as if they could speak:

"Just, I want to ask, Senior, are you planning to purchase? And perhaps with full payment?"

Li Yuan was about to answer but paused when he noticed her serious demeanor, curiously asking:

"Little Moon, do you have any ideas?"

In her heart, Zhong Tingyue knew Li Yuan was very reluctant to borrow money, especially when it comes to buying houses, he seems to have a special obsession with paying full.

Just like these days in Beijing, he bought multiple houses and shops. Even when he could secure a mortgage, he chose full payment.

While it might appear straightforward, it’s quite unreasonable for funding arrangements.

Especially when Li Yuan is very sure that future housing prices in Beijing and Modu will soar, doing it like this seems lacking in foresight, even foolish.

"Senior, if I speak my mind, you promise you won’t get mad, okay?" Zhong Tingyue quipped.

Li Yuan chuckled and nodded: "Don’t worry, I definitely won’t be mad."

Only after his assurance did Zhong Tingyue express her thoughts.

"Senior, I think that if the houses in Modu and Beijing really rise as you said, we could just pay a down payment to acquire a lot of properties, then pay the monthly interest. When prices rise, sell them off..."

"This way, we save a lot of funds for asset allocation, investing in more industries, more real estate..."

"There’s absolutely no need to always purchase houses with full payment; it wastes resources."

"Moreover, for real estate investment, the best focus is on small apartments, school district houses, etc., because Huaxia people care greatly about children’s education; such properties will be easy to sell later."

"We can purchase properties in the company’s name, then take bank loans. Given our company’s profitability and qualifications, it should be very easy to do..."

Listening to Zhong Tingyue talk about her insights, Li Yuan was quite surprised, never expecting her to have some research in real estate.

He naturally understood this principle.

Before he was reborn, while before college, when he first bought a house in Modu, he considered these issues but dismissed them.

Later, when he bought houses, they were villas or large flats for him and his girlfriend to live in, so he didn’t think about loans.

Those investments aren’t considered real estate investments.

To truly invest in real estate, still, Zhong Tingyue’s method is very valid.

Simply paying a down payment, then taking a loan from the bank for optimized fund allocation, can maximize the capital’s effect...

"Little Moon, you say some truths I naturally understand." Li Yuan slowly opened.

"Before, I thought that if money wasn’t invested in starting a business, it could all be used to buy houses, counting as an investment."

"And the most important point is that I previously disliked wanting to shoulder loans; I didn’t want to borrow money from banks either..."

"However, as you just stated, it’s indeed best to buy with mortgages, and also rent out the houses we buy, using rent to cover loans. When the price rises to a high point, sell for cash at once..."

Li Yuan paused, rubbed Zhong Tingyue’s head, smiled: "Alright, we’ll do as you said. Use the down payment and loan approach to purchase more houses in the company’s name..."

"Moreover, my idea is not only to stock houses but if possible, it’s best to buy land and build a tower ourselves, later called ’Datang Technology Group,’ where we can place ’Tea Color Moonlight,’ Zhihu website, ’Honor of Kings’..."

"And all future industries together, which from others’ view, would seem more grand. Little Moon, what do you think?"

Listening to Li Yuan’s envisioned "magnificent enterprise," Zhong Tingyue’s beautiful eyes suddenly shone brightly, and she was deeply moved, showing a look of anticipation.

With the current company’s financial strength, though difficult to land a good commercial plot in Modu’s city center,

But relying on the monetization level of ’Honor of Kings,’ in the future, it’s not a problem. Even earning a million a day, a month can profit 300 million...

"Senior, I fully support this idea 100 percent. We can plan ahead already..."