My Wife is Actually a top-tier Soldier King?!
Chapter 893 - 893 888 The Poor Lack Ambition!

893: Chapter 888: The Poor Lack Ambition!

The Rich Lack Humanity!

893: Chapter 888: The Poor Lack Ambition!

The Rich Lack Humanity!

“Good evening to the both of you!”

Wang Jian greeted them with a warm smile and poised elegance.

“My son is terrible with words and can’t handle even a small task; his brain is just too slow!”

As the saying goes,

You don’t hit a smiling face.

Moreover, Wang Jian is a person with status, a well-known real estate tycoon, a super-rich man.

He always claims to own nothing and sets a modest business goal for himself, which is simply to earn his first $100 million.

Such a wealthy businessman deserves some face.

Moreover, once Wang Jian started talking, he greeted them and scolded his son for being imprudent.

After all, business is business, and courtesy remains.

They couldn’t let some trivial issue turn their relationship awkward, right?

So…

Tang Xiao and Wu Jie shook hands with Wang Jian, one after the other.

Wang Jian secretly breathed a sigh of relief, feeling much more at ease.

He had feared that Wu Jie and his wife would show him a cold face as soon as they met.

But now it seemed…

The kind-hearted couple wasn’t petty; they were open-minded and generous.

“Because of that damned boy causing trouble, I flew here overnight.

There are some things I hope to clarify in person to avoid any unnecessary misunderstandings.

Could I possibly borrow ten minutes of your time?”

Wang Jian’s tone was gentle, his demeanor polite.

In this lobby were people from both their groups, along with the hotel staff.

A mere ten minutes…

It seemed to be no significant inconvenience.

“Of course!

There’s a café right over there, let’s talk inside!”

“Thank you very much!”

Wang Jian immediately gestured for them to proceed.

His secretary and assistant naturally sprinted off to clear the area and asked the hotel to prepare beverages and snacks.

After they were seated, Wang Jian didn’t hastily try to clarify or apologize.

He asked about Old Mr.

Tang’s health as a matter of routine, inquired about the well-being of Wu Jie’s and Tang Xiao’s parents, and even praised Da Huang for being well-behaved.

Only after the coffee was served did Wang Jian get to the point.

“My son speaks and acts without thinking, he’s just the type to speak his mind, and I’ve severely scolded him for it!”

Tang Xiao glanced at Wu Jie who was smiling silently and said,

“It’s fine; we didn’t take it to heart.

It’s quite the thing for you, Uncle Wang, to make such a fuss over a little matter, flying here yourself.”

“No matter is too small; misunderstandings can lead to significant issues!”

Wang Jian leaned forward slightly, speaking earnestly,

“Time is precious; I don’t wish to delay both of your resting time, so I’ll be direct!”

“The domestic real estate market bubble is too big, and with policy restrictions, the real estate business is too hard to manage…”

Wang Jian was racing against time, speaking very quickly.

He first explained his reasons.

It was simply that the domestic real estate was no longer profitable, and the enormous loans borrowed from banks for development were not small in principal and interest.

He had hoped to profit from overseas business, but then…

First came the Sakuragi Hana virus epidemic, which caused widespread panic and international travel and trade bans, crippling the global economy.

Eventually, his overseas investment operations went down the drain; following riots and arson, he could not even sell off the assets, suffering heavy losses.

Those theaters he had purchased for dozens of billions of Gold Coins, hundreds of millions of British Pounds — what happened to them?

Now with ongoing wars and various armed conflicts, the cinemas are bombed into ruins.

How could he make money by showing movies?

How could he resell these to other businesses?

To put it crudely,

There’s no one to even claim compensation from; who knows which faction did it.

Many cities in developed countries have become battlegrounds for street fights.

Skyscrapers and bustling streets of the past are now ruins and desolation.

It proves that even houses worth several million or tens of millions of Gold Coins each cannot withstand destruction by bombs and rockets.

Thus, the overseas business was as good as washed away.

And what’s worse is…

Everyone in real estate knows.

They buy land first, then mortgage it to banks for loans.

They start pre-sales upon reaching a certain stage in construction to draw in the public’s money, providing more funds for further land competition and buying…

During times of rising housing prices, it’s like a snowball effect.

More pre-sales mean more money, and more money naturally means more land, which leads to more developments and pre-sales.

With the help of rising housing prices, the business grows bigger and bigger.

However…

With the housing prices being high and facing selling restrictions on loans,

Without the public to buy and boost sales, the cycle can’t operate.

When house prices stop rising or even start to fall, the public begins to wait and see, and houses stop selling.

New policies specify that you can’t just acquire land, set up a sales office, and start pre-selling to make money; you must fully top-off the building to receive a pre-sale certificate.

This forces real estate companies to invest more to finish the houses closer to completion before pre-sales.

But what’s the use of pre-sales?

Even ready-to-move-in homes aren’t selling.

Stagnant house prices mean limited profits.

A sharp drop in sales revenue means enormous pressure to repay loans.

Owing hundreds of billions to banks, the daily interest alone amounts to over a billion.

One day of delayed repayment means an additional interest of one or two billion.

Wang Jian confessed that he hadn’t slept well in days.

As soon as he opened his eyes each morning, he thought of the staff salaries and bank interests, at least two billion.

Where could he get that kind of money?

To reduce debt pressure, Wang Jian had already taken many measures.

For instance, issuing more stocks, raising more funds on the stock market to repay bank loans.

Selling off businesses in cultural tourism and health insurance, cashing in hundreds of billions to ease financial strains.

Divesting some shares and introducing other investment institutions and well-known businesses to acquire a substantial amount of financing.

In less than a month, Wang Jian had been as busy as a tiger with his operations.

Using various means, he repaid more than two hundred billion in loans, slightly mitigating the once-collapsing financial chain.

But the problem was still severe.

A copious amount of properties and houses remained unsold, causing substantial backlogs and costs.

The bank loans were not fully repaid, and some were even refinanced; the monthly interest was still significant.

In addition, with a multitude of personnel in the group, the burden of office expenses and salary treatments is also substantial.

In summary,

Wang Jian now only has two hopes.

One is that Wu Jie and his wife, the richest couple in the world today, lend them money to tide over difficulties.

The other is to hope that the real estate market flares up again, with housing prices skyrocketing, ideally increasing by ten or twenty thousand per square meter in every city.

With the more than thirty million square meters of unsold houses they currently have, they could make an extra few hundred billion!

Unfortunately…

For ordinary people to start another buying frenzy, to see the ‘Golden Age’ where everyone rushes to buy and queues overnight for a lucky draw, is simply no longer possible.

Wanda Group will also not be able to return to those beautiful times when they could make nearly three hundred billion in annual revenue just by selling houses.

Therefore,

The most feasible option is still borrowing money.

Wu Jie and Tang Xiao have money.

Liulizhou Tanglong Industrial Group stopped speculating in real estate long ago, making a fortune and exiting with their pockets full.

Relying on infrastructure projects, network communications, biopharmaceuticals, composite materials, online media, and new energy transportation, they seized enormous profits.

People originally thought the group would falter due to setbacks in overseas business,

But no one expected they would bypass foreign enterprise patent technologies and equipment components, using all proprietary intellectual property rights instead.

Replacing the three giants, they became the sole top enterprise in the international network communications market, unrivaled.

Additionally,

The Dashi App software was exceptionally popular, with tens of millions of daily active users!

Tianyuan Green Energy Auto’s electric vehicles were crazily being delivered, and Tang’s Chemical Industry’s Graphene Composite Batteries continued to sell hot.

Of course, the most terrifying were the Detox Pills.

Just at last midnight’s auction, Tang’s Pharmaceuticals released a whole hundred thousand Detox Pills.

Even though the selling price nearly fell below two hundred thousand per pill, damn, that was another twenty billion in the account!

Hundreds of billions in a single day…

Such prosperity had been ongoing for nearly a month.

Even if we deduct the cost and the part exchanged for cultural relics for the country,

At least a trillion had been made.

This was not revenue but pure profit—a trillion!

Just this alone could instantly kill countless listed companies.

The annual profits of over a thousand listed companies combined might not even amount to this much.

So…

Wu Jie and his wife were indeed wealthy and capricious.

First, they used hundreds of billions of funds to buy back their group shares and delisted, turning the large group into a husband and wife shop.

Then, they invested over five hundred billion to build highways for Wu Jie’s hometown, giving twenty percent more for relocation compensation—so generous it was unbelievable.

Now, rumors have it that they are about to invest over five hundred billion to construct a Science Research City occupying several hundred thousand acres.

Several hundred thousand acres!!

Damn!

Could they be any more extravagantly generous?

Could their extravagance be any more inhumane?

Do they really have so much money they can’t spend it all?

So lending Wanda Group a few hundred billion to solve a pressing crisis shouldn’t be an issue, right?

…

Ten minutes were almost up, with just two minutes left.

Wang Jian quickly made a summarizing statement:

“The current situation of our group is indeed quite bad, but thankfully we have plenty of good assets, after all, there’s a Wanda Plaza in every big city across the country!”

“Our office buildings, malls, cinemas, etc., still have pretty good earning abilities, but the pressure on funds mainly comes from unsold properties and unpaid loans!”

“I am willing to use four Wanda Plazas in Tianyuan and Tongcheng as collateral and hope you can lend me a hundred billion…”

Upon hearing this, Wu Jie chuckled inwardly.

The super-rich, who once topped the wealthy list with assets over a hundred billion, also has times when they need to borrow money.

But in fact, it’s not surprising to think about it, many real estate companies and magnates depend on market conditions for their fortunes.

When house prices soar, their net worth skyrockets.

On the flip side, it’s difficult to progress when things go bad.

Fortune comes full circle.

Maybe Wang Jian is quite pitiful now, but who dares to say that real estate won’t flare up again in the future?

“Mortgaging four plazas and borrowing a hundred billion…

How about the interest?”

Tang Xiao picked up her coffee cup and took a light sip.

“An annual interest rate of 8%, what do you think?” Wang Jian was quite straightforward.

This rate is a bit higher than the banks’ sub-7% annual rate, but naturally not as high as those from private lending.

By law, private lending rates can’t exceed 24%, or it’s illegal.

So for some private lenders, the contract stipulates this standard, but in private, they still charge various fees and security deposits.

“Uncle Wang, can’t you add a little more to the 8% rate?

I remember corporate borrowing rates practically start at 10% nowadays!”

Tang Xiao asked with a smile that was not quite a smile.

Wang Jian laughed with a sigh, “Xiao, Uncle’s hands are tied!

If the real estate market was booming, I’d give you 20%, but now… Poverty limits my ambitions.

Can you bear with me a little more, please?”

Tang Xiao’s red lips slightly uplifted as she laughed:

“Personal feelings aside, business is business!

You’re asking me to bear with you a bit more, but I would lose a couple of billion in interest a year.

That favor seems to be quite expensive, doesn’t it?”

Wang Jian, still smiling, asked, “Then do you think 10% could work?”

Tang Xiao set down her coffee cup and glanced at Wu Jie.

“Jie, what do you say?”

Wu Jie looked at Wang Jian with a serious gaze.

“The hot sales of Detox Pills is known to the world.

Everyone knows that my wife and I have money, and the group’s accounts indeed have a substantial surplus of funds!”

“But Uncle Wang, does Wanda Group really lack money that much?

Selling assets, issuing stocks, financing restructuring—nearly three hundred billion in funds, isn’t that enough to solve your pressing difficulties?”

“Using four Wanda Plazas as collateral and borrowing a whole hundred billion, there must be other uses for such a large sum, right?”

Wang Jian didn’t hesitate and answered truthfully:

“Frankly, besides setting aside a portion of the hundred billion for the group’s daily expenses, the main purpose is to engage in international trade, conducting barter trade in bulk commodities!”

“Currently, more than a dozen developed countries are in turmoil, and by sending cheap clothing, food, medicine, etc., we can exchange for various high-end industrial equipment, even advanced technology and weaponry.”

“Such business profits are quite terrifying.

I’ve arranged ships, materials, and contacts already, I just lack a large sum of money, which is why I’ve come to you two to borrow!”

Wu Jie frowned slightly as he asked with a cold laugh:

“A pretty good business idea, who’s your partner then?”

…