Chapter 457: Open your eyes every day, interest of 100 million Hong Kong dollars

Take a private jet back to Hong Kong.

Large banks usually cooperate with aircraft leasing companies. Fan Wumian borrowed so much money from the bank, and every time he did so he would ask for some small benefits like free aircraft rentals, which were enough for his daily life.

Even though he made so much money, he was still very tight on money. He owed the bank a lot of loans to repay, so he was not considering buying a private jet of his own for the time being.

This thing is a consumer product. Not only is the cost of daily maintenance too high, but it also depreciates very quickly. It would be much less troublesome if you can just buy it for free.

up to now.

Several banks combined have given him more than a hundred free phone rentals, and when they are used up, he can probably shamelessly ask for more.

Don't be envious.

The price behind this kind of welfare is actually that he owes the bank a total loan of nearly 80 billion Hong Kong dollars, with an average loan interest rate of about 4.5%. This means that every day when he opens his eyes, he has to pay the bank about 100 million Hong Kong dollars in interest, which is enough to suffocate ordinary people.

The total loan size of Penguin stocks, Shenzhen land, mortgages, yacht loans, Warren Buffett and Feili, etc., is simply terrifying.

It can be said that the reason why Fan Wumian’s net worth soared so quickly was because he was good at using funds from banks and institutions to make money for himself.

It is precisely because he owes too much loans that many of his haters think that he is a "fake rich man", faces huge risks, and has an unsound asset allocation.

Although he owed a lot of loans, he also had a lot of assets on hand.

The price of the jade raw materials still stored in the vault of Bank of China in Hong Kong is rising, and it is estimated that they can be sold in packages at a price of 13 billion or 14 billion Hong Kong dollars.

With many popular film and television dramas in its hands, it made huge profits last year and this year, so the outside world gave Shanzeiwang Media a very high valuation and also recognized the market potential of Tudou.com. The two companies together are worth about 30 billion Hong Kong dollars.

He currently holds a total of 39.58% of the total share capital of Penguin Group, which is worth approximately HK$95 billion. In addition to the appreciation of real estate and land, there are also collectibles, copyrights, online game companies, and Myth Film Studios. The scale of his assets far exceeds his liabilities.

Considering that these assets are all rising, and Fan Wumian can also earn a lot of cash from the entertainment industry and financial investment projects, compared with other companies and businessmen, the overall debt ratio of just over half is not high, and there is no need to spend cash to pay off debts in the short term.

Take the investment in Sanyao Heavy Industry's stock as an example. Most of the funds for acquiring its shares came from the credit line of the securities firm, and the profit has been several times since the investment.

I believe that if he can hold on for a while and his total assets increase, his debt-to-asset ratio will continue to decline.

After the plane lands.

Zhuang Muxi took a car from the airport on Lantau Island to the tourist farm run by her parents near Kadoorie Farm and Botanic Gardens in the New Territories.

The apartment her family originally bought in The Leighton Hill in Happy Valley is no longer large enough and lacks privacy, so it is about to be put up for sale.

I heard that Zhuang Muxi's parents are planning to buy a big house near Kowloon Tong. They will live in Kowloon Tong and occasionally drive to the farm to help out.

The location is pretty good. Chow Yun-fat, Jack Long, and the Xiang couple all bought big houses in Kowloon Tong. It is a low-density wealthy area and very close to the Yau Tsim Mong area. Living there is much more convenient than living in the New Territories.

Her parents didn't do this for their own enjoyment. Their main purpose was to take advantage of the money that Zhuang Muxi could make and hope to buy real estate so that their daughter could save some money.

The property market in Hong Kong is recovering, the loan interest rates are not too high, and her family needs to change houses, so Fan Wumian certainly won't say anything.

The two plots of land he owned on Poole Road at The Peak were bought from Xingzai's partner. They were too conspicuous and the price was far beyond Zhuang Muxi's budget, so they were not suitable to be sold to his young girlfriend.

Many artists who followed Fan Wumian gradually became rich, and after becoming wealthy, they generally considered purchasing real estate.

People like Gao Yuanyuan, Yang Mi, Zhang Liangying, and Huang Shengyi all chose to buy a courtyard house near Shichahai or Houhai in Yanjing.

Tsuna from Deyun Society also moved his family to the vicinity of Fan Wumian's house, participated in commercial performances and advertisements everywhere, and made a lot of money.
At the pier of the Harbor City Yacht Club.

As soon as Fan Wumian arrived at the beach, he saw the hybrid sailing luxury yacht he had bought.

After finishing filming "The Invisible Guest", Zuo Ziyan, who returned to Hong Kong City early, was waiting for him at the dock. The two had already sent messages and agreed to meet here.

Seeing Fan Wumian again, Miss Zuo was in a very good mood. She pointed at the sailing yacht with a smile and said:
"I heard you say it was 53 meters long before, but I didn't quite understand how big it was. But when I compared it with the yacht next to it, the difference immediately became apparent. It's actually much bigger than my cousin's yacht."

"This is the first time I've seen it, too. It only looks a tiny bit big in the picture." Fan Wumian looked at his yacht from afar, his expression both satisfied and painful, and he muttered:

"If I get rich in the future, I want to sell it while it's still relatively new, and then buy a real super yacht, more than 100 meters long, with several decks, and spend a year or two traveling around the world."

"Wow~~Would you like to take me with you?"

"It depends on your performance. But I won't consider this kind of thing until you are at least 30 years old. Don't expect too much."

Hear the words.

Zuo Ziyan continued:
"I was walking around a few days ago and saw workers spray painting your yacht. My mom praised you for your business acumen and for not missing any opportunity to advertise. Take a closer look. It's quite interesting after your company logos were painted on it."

If you observe carefully, you will find that compared with the previous yacht, this one has three more logos on the side of the black hull.

They are the Penguin Group's iconic penguin pattern, Bandit King Media's panda pattern holding two axes, and a cartoon potato pattern wearing a straw hat, sunglasses and headphones.

Fan Wumian said happily:
"So many people are interested in my yacht. The money has already been spent, so how can I miss such a good opportunity to promote it? In addition, I also customized three new sails from the shipyard, and will print Valentino, Feili and other brands on them."

".But won't it look too flashy? The image of a luxury yacht is particularly noble and fashionable, it doesn't seem to match the look." Zuo Ziyan said.

Fan Wumian shook his head:
"How much are my companies worth? This yacht is worth only a few dollars. Printing it on it is to give it face. If it can produce an advertising promotion effect equivalent to 10 or 20 million Hong Kong dollars, it is equivalent to indirectly saving 10 or 20 million Hong Kong dollars in the cost of buying a boat. Do you think it is cost-effective?"

While chatting, we walked along the pier to the yacht.

The temporarily hired captain, several crew members and waiters were already waiting for them on the yacht renamed "Flying Penguin".

After boarding the ship.

Fan Wumian found that the deck was more spacious than he had imagined. There were lounge chairs, sofas, dining tables, etc. at the stern. The interior decoration looked modern, exquisite and stylish.

The price is there, it is much more luxurious than a supercar, it is equivalent to a mobile mansion on the sea.

Standing on a yacht that cost tens of millions of Hong Kong dollars and looking out over both sides of the Victoria Harbour, one will subconsciously develop a sense of superiority, feeling that one has made it big.

The yacht has a total of 6 cabins, which can accommodate 12 guests, and there are also small cabins for 9 crew members to rest. It is definitely sufficient for daily use and is suitable for occasional parties or taking time out for a sea vacation.

A little after 4pm.

After boarding the ship, the captain directed everyone to be busy for a while, then the ship lowered the sails and set sail, slowly leaving the dock, heading for the next-door city of Australia.

This was also discussed with Zuo Ziyan in advance.

The two of them were going to go to the women's bag and leather goods design department in Macau to select new products for the upcoming Milan Spring/Summer Fashion Week, have dinner in the evening, and then return to Hong Kong City.

Not only did Zuo Ziyan's parents know about this, they also gave Zhang a membership card of Lisboa Casino, telling him to just put his father's bill for meals and shopping. It was obvious that they were very satisfied with Fan Wumian.

The yacht sailed on the sea, gradually moving away from the land.

The sunset glow in the sky was pink, looking particularly charming. Zuo Ziyan stood at the bow of the boat, her long hair fluttering, and she asked with a bright smile:
"Do you want to try the classic scene in Titanic, where I open my arms and you hug me from behind?"

Fan Wumian immediately refused and said:

"Forget it, it's very childish, and the male protagonist died in the end. It's my first time riding this ship, and it's not auspicious to learn from it."

"So if you were Jack, would you give me the board?"

"That's not necessary. I have many lifeboats on my ship, and they are all equipped with waterproof satellite phones, fresh water, and food. If I offer a reward of hundreds of millions for someone to rescue me, tens of thousands of fishing boats from the mainland will rush over at full speed."

".Then there are probably more than tens of thousands of ships."

(End of this chapter)

previouscatalognext