Shenzhen people just want to make money.
Some time ago, the girl in Shenzhen was on fire (Lao Fen said, isn't this a deer? )。
Lulu summed up the struggle mode of Shenzhen people here, and raised a paw in the poked comment area!
Shenzhen girl: making money.
Shenzhen boy: making money
Shenzhen children: get grades
Women in Shenzhen: making money+making children's achievements
Shenzhen man: making money+building a house.
Rich people in Shenzhen: house+money+company.
To sum up, Shenzhen people: Don't give me those useless things. I just want to make money. Making money is the source of my happiness.
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Shenzhen government also loves to make money.
Shenzhen people love to make money, and Shenzhen government also loves to make money (economy). Lulu read a report recently: On October 22nd, 2020, China Academy of Social Sciences (Institute of Finance and Economics) made a great achievement in the innovation project, the Report on China's Urban Competitiveness (No.0/8) was published by China Academy of Social Sciences and Economic Daily.
Shenzhen ranks first in the reported ranking of comprehensive economic competitiveness of cities. Especially in many sub-items such as economic vitality and competitiveness, Shenzhen ranks first.
In addition, Shenzhen's per capita GDP ranks first in the country, equivalent to US$ 29,800, ranking first in the country all the year round, comparable to that of moderately developed countries such as South Korea and Spain.
Don't forget, Shenzhen has been established for 40 years! How profitable it is!
Unlike many cities, there are few foreign companies and state-owned enterprises in Shenzhen, and the GDP of the whole city is basically supported by private enterprises.
In addition to well-known private enterprise giants such as Huawei, ZTE, DJI and Mindray Medical, there are countless small and medium-sized enterprises in Shenzhen. 5438+00 By the end of June 2020, there were 2,225,438+00 small and medium-sized enterprises in Shenzhen, accounting for 99% of the city's enterprises.
There are about 165 enterprises per thousand people in Shenzhen, which means there are 16.5 bosses per 100 people. Isn't it amazing? Maybe the bald uncle you met on the street in Shenzhen is a company boss and a low-key rich man.
Then don't you want to know how the rich people in Shenzhen make money?
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How do rich people in Shenzhen make money?
If you look carefully, the article reveals at the beginning. A mode of making money that most rich people in Shenzhen are using is: Shenzhen rich people: building a house+making money+building a company.
Almost all the rich people and small bosses around Lulu have bought many properties, and they even want to buy a house at all costs.
Maybe you will be a little confused. Why do rich people buy houses when they already have them? Moreover, for small companies, cash flow is crucial, and it is unwise to invest so much money in real estate.
You said that in order to increase the value of assets, the dividend period of the property market has passed in recent years, and it is crazy not to buy a house! To be honest, buying a house now is actually a risk of falling house prices, but why do they have to buy a house desperately?
In fact, the model of building a house+company+money is a perfect rotation for the rich.
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High-quality real estate can appreciate and maintain its value.
The economic situation of Shenzhen has been mentioned above. The long-term value of real estate mainly depends on the support of urban economy. As far as the current economic situation in Shenzhen is concerned, the probability of house price falling is very small, and it should be said that it has been in a state of steady rise.
Therefore, the money earned by starting a company or doing business can be used to buy a house. On the one hand, it can improve one's quality of life and social status, on the other hand, it can also preserve and increase the value of the money earned.
And the business of small companies and startups is very unstable. What should I do if I accidentally close down? Can't you make a living by collecting rent after buying a house? After all, making money in the company is still the "bedtime income" of hard moving bricks, and collecting rent is an easy "bedtime income".
In addition, the investment in buying a house is very simple, unlike stocks, which requires hard work every day and careful analysis of various industry trends and company financial statements.
Lulu said a long time ago that the secret of buying a house to make money is to buy the best location you can afford and rent a better one as soon as possible.
Almost all the rich people around me buy houses in line with these two characteristics. Houses that meet these two characteristics will not be trapped by funds, and then they can be rotated. Hit the key points and copy your homework. Don't ask me if I can buy Shankara! ! ! )
Because real estate investment does not need a lot of time to take care of, so after buying a house, the small boss can still put most of his time into business operations.
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Quality real estate can create cash flow!
Some people think that building a house takes up the company's cash flow, but on the contrary, high-quality real estate can help the company create cash flow.
Rich people are engaged in careers and companies. For businessmen, the most important thing is not profit, but cash flow. If the cash flow lasts for a while, the whole company will be finished immediately.
Therefore, when they need money, they must be able to borrow it immediately.
For example, during the epidemic in 2020, many small companies stopped their business and needed working capital to survive. Where does the temporary working capital come from? Must be looking for bank financing!
However, the bank is not a charity, it will only add icing on the cake, and it will not be a gift in the snow. If you want to raise money, you must have collateral.
But the business of most small companies is not very valuable, and there is no way to mortgage banks. The properties bought before this time, especially those with good lots and still being rented, are the best collateral in the eyes of banks and are quite stable. In this way, the small boss can get a low-interest liquidity from the bank through the mortgage of real estate.
For example:
Friend David does cross-border e-commerce business. During the epidemic, almost all business stopped and cash flow was tight. Two years ago, he spent 4 million yuan to buy a house in Luohu, and usually rented it at a monthly rent of 6,000 yuan.
Later, when the house rose to 5 million, he mortgaged the house and borrowed a low-interest loan of 3.5 million from the bank (in order to encourage the resumption of production, the loan interest was still low) to tide over the difficulties. We can see that in the past two years, the house earned 6.5438+0 million yuan, and the rent earned 6.5438+0.44 million yuan, which helped him finance. As long as he doesn't sell, he can continue to enjoy the rent and property appreciation.
To tell the truth, even if you don't directly mortgage the real estate loan, as long as you have a house on hand, you can get a loan of one or two million by applying for credit cards, credit loans, commercial loans, decoration loans, etc.
Of course, loans have interest, but for businessmen, only by finding ways to get money can they help themselves earn more money. This kind of debt is actually benign and can be used in Qian Shengqian.
So for these small business owners, the model of building+company+money is quite excellent!
When the company makes money, it uses the money to preserve and increase the value of real estate, and when the company needs capital turnover, it obtains high-quality real estate and mortgage financing, and obtains low-cost funds. The two complement each other and are quite excellent!
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In fact, Lulu herself is using this model to make money. Of course, I also have more "side jobs" and "jobs", so my life is relatively secure.
After studying money for a long time, you will find that the difference between the rich and the poor really lies in thinking.
The rich are very sensitive to opportunities. Once they find opportunities, they will use various resource combinations to bring value to themselves. However, many poor people did not understand and learn deeply when they found opportunities, nor did they think about how to use opportunities to make money for themselves.
You are a mature deer powder, you should learn to copy the homework of rich people!