When the topic shifts to banks, Feng Junzi is obviously more interested: "Now financial capital is becoming more and more concentrated. It is difficult for individual industrial and commercial operators like you to obtain working capital loans from banks, but it is easy for Zhou Papi to use."

Qin Xiaoya smiled and said, "Why did the rich Zhou tyrant become Zhou Bapi again?"

Zhou Song also smiled: "The dog can't spit out ivory from his mouth."

Qin Xiaoya: "You just said that most of the funds for real estate investment come from banks. What's going on?"

Zhou Song: "I'm afraid Feng Junzi is talking about this question more clearly than me."

Feng Junzi asked Qin Xiaoya: "How much has the price of the house you bought increased in the past six months? What is the bank interest rate during the same period?"

Qin Xiaoya calculated: "My house has risen by more than 20% in half a year. If it is calculated in one year, it will be more. During the same period, the bank deposit interest rate is only 2, and the loan interest rate does not exceed 6."

Feng Junzi: "That's right. This is a phenomenon of negative interest rate insulting. Since the rise in housing prices exceeds the bank's loan interest rate, financial capital will certainly flow into real estate from banks. You don't have to ask about the specific links, just understand the overall environment."

Qin Xiaoya: "I understand a little bit. Under such circumstances, many ordinary people are also eager to buy a house. But what should I do in the future if this continues? Will it collapse as someone said?"

Zhou Song: "Construction costs are very stable. The current fluctuations in housing prices mainly come from land prices. Real estate is special in China. The land is state-owned, and the government is the only lessor. It has strong control over land prices. Don't worry too much for the time being. I can't see things that are too long."

Feng Junzi seemed to be comforting Zhou Song: "Don't think too far, I think you have at least two good days."

Qin Xiaoya: "As he said just now, Zhou Papi cannot be considered Zhou Papi, and it is not his fault to rise in land prices."

Zhou Song raised his glass and said to Qin Xiaoya: "It's better you speak for me, I'll give you a glass!"

Qin Xiaoya was about to raise her glass, but Feng Junzi suddenly said: "Do you think you are not Zhou Bapi? Did you develop a community in Guangzhou a while ago?"

Zhou Song was puzzled: "Yes, what's wrong?"

Feng Junzi continued: "I heard that a group of local rascals injured many nail households who refused to relocate. Are the remuneration and medical compensation for hiring the murderer also included in your early development expenses?"

Qin Xiaoya put down her cup and looked at Zhou Song with a strange look: "Zhou Bapi, I didn't expect you to be such a person."

Zhou Song was overwhelmed by Feng Junzi's sudden attack: "No - this is not the case."

Feng Junzi was also surprised to see Zhou Song's embarrassing look. He didn't know why he said such a thing in front of Qin Xiaoya. Isn't this clearly a bad thing? He quickly explained: "Actually, I'm just kidding. Xiaoya shouldn't take it seriously. Zhou Song will never do such things. Even if someone does it, it will definitely have nothing to do with Zhou Song. Zhou Song has also developed it in cooperation with others, not to mention that he has not been in Gwangju for a while."

Zhou Song's face then calmed down. Feng Junzi suddenly felt a strange feeling when he looked at Zhou Song and Qin Xiaoya. He knew that Zhou Song liked Xiaoya very much, and it was not ordinary likes. Xiaoya also had a good impression of Zhou Song. The kind of favor between men and women was just not clear. Xiaoya is indeed a very cute girl, and Feng Junzi himself had no idea about her. It's just a pity that Feng Junzi remembered the real estate classification that Zhou Song had just talked about. According to this classification standard, if Zhou Song was a Huatang Building, then Xiaoya was an exquisite villa. What was he? At most he was an ordinary house, and he couldn't even be considered a frame. At most, it was a circle beam, which was only a little stronger than brick-concrete.
Chapter completed!