Rebirth 2008: I Can Make Money Reading

Chapter 294 Employees Shocked: A Different Talent Housing Policy (seeking a monthly ticket)

July 15th.

Mu Yang was looking at the construction plan of the second phase of the headquarters base in the office.

Of the 3,000 mu of land, 1,000 mu of land is used to improve the lives of employees. This 1,000 mu of land was sold to Xinghai Group at a low price by Junfang as compensation. Xinghai Group stayed in City H, and wanted Xinghai Group to increase investment.

Xinghai Group is a large taxpayer, and the actual tax payment last year was about a dozen small targets (last year, Xinghai Group's corporate income tax was 15%).

Starting from this year, the three-year corporate income tax exemption + three-and-a-half-year corporate income tax exemption policy will be implemented.

Corporate tax In addition to corporate income tax, there are other taxes.

For example, the largest value-added tax, according to the high profit rate of Xinghai Group, may have a pre-tax profit of 70 to 8 billion for every 10 billion yuan in turnover, so the value-added tax is about 1 billion yuan, minus the export tax rebate ( Xinghai Group’s export ratio is not much), and other taxes are counted, and the actual tax payment has to pay seven or eight small targets.

In other words, even if the Xinghai Group is currently in the corporate income tax exemption period, based on the turnover of more than 10 billion in the first half of this year, the actual tax payment may reach 1 billion yuan.

Normally, the actual tax rate of an enterprise is about 4%-7% of the annual revenue (including export tax rebates and various policies, after reasonable tax avoidance)

(Comparison of actual data query, for example, the top 100 enterprises in Jiangsu and Zhejiang Province achieved a total operating income of 1.626 billion yuan in 2010, and the actual total tax payment was 68.454 billion yuan, 4.21%!)

However, depending on the business industry, various tax rates are different, and there may be some differences in the taxes that need to be paid, and the corporate income tax is also different. Some need to pay and some do not, so we cannot generalize.

This 4.21% is just a parameter value. It is estimated that there are a lot of tax evasion and tax evasion, and the normal tax payment must be more than this low.

For example, a few years later, Zheli Group's turnover in 2019 was 328.5 billion yuan, second only to Ali's 376.8 billion yuan.

However, the actual tax payment of Zheli Group that year was 39.6 billion yuan, which was a large taxpayer in Jiangnan Province, higher than Ali's 20.6 billion yuan.

These two companies have good profits and pay corporate income tax, but some companies have poor profits and have pitifully little corporate income tax, or even no corporate income tax if they are losing money.

In the second phase of the Xinghai Group headquarters base construction, 700 mu of land is used to build employee residences, 100 mu of land is used to build kindergartens and primary schools, the 800 mu of land is residential land, and the other 2,200 mu of land is industrial land. Two hundred acres of land should be set aside for the construction of leisure places for employees.

The use of these two hundred acres of land for the construction of leisure and entertainment venues for employees is a bit of a sideshow.

Industrial land can be used to build staff dormitories, but there is a certain proportion, and residential buildings cannot be built for sale.

The price of industrial land purchased by Xinghai Group is less than 300,000 yuan per mu.

The price of residential land is half of the market price, with an average price of 3.5 million yuan per mu.

The location of Xinghai Group is relatively remote. The price of small high-rise residential buildings in the same location is about 16,000 yuan per square meter, and the floor price is about 4,500-6,000 yuan per square meter. According to the volume ratio of 2.5, the land cost per mu 7.5 million to 10 million yuan.

If it is a small high-rise residential building in the urban area, the current price per square meter has reached 25,000 yuan. According to the land auction of the year, the land cost per mu is about 15 million yuan.

Now, Xinghai Group can buy residential land at half price, 4 million yuan per mu, 800 mu is 3.2 billion yuan, based on 100 square meters per set, more than 13,000 houses can be built.

According to the requirements of the Z government, the buildings built on this residential land can only be sold to employees at a low price, and cannot be sold outside.

4 million yuan per mu, according to the small high-rise floor area ratio of 2.5, the floor price is about 2670 yuan per square meter, including fine decoration, the comprehensive cost can be as low as 7000 yuan per square meter (underground garage construction and greening costs should be shared equally to each suite).

According to Muyang's plan, including interest, the selling price to employees is about 7,500 yuan per square meter (different floors will vary), which is equivalent to about 43% of the market price.

Half of the property rights of the company, half of the property rights of employees, employees have the right to use.

If employees want to invest in real estate, they can only buy houses in urban areas.

With the Xinghai Group's house policy coming out, there must be some employees who would rather spend more money to buy a house in the urban area considering the issue of property rights.

This policy is a bit like the talent housing that various cities will launch a few years later in order to attract talents. For example, undergraduates in Wencheng can buy a house with a 30% discount, and talents of the D and E categories can buy a house with a 40% discount.

But in the end, not many people bought it.

Where is the problem?

The first is the sales restriction and property rights issues!

Although these talent houses can flow into the market, if they are to be sold, it will take ten years before the sales restriction can be lifted!

Moreover, it must be compensated and returned to the Z government before it can be sold.

For example, at that time, the approved price was 1 million yuan, and if you bought it with a 30% discount, you had to compensate 300,000 yuan to the Z government before you could get the full property rights.

Of course, if the price is raised, it is indeed profitable.

The authority of "being able to flow into the market" alone is indeed much stronger than Xinghai Group's talent housing policy.

What is the policy of Xinghai Group?

For example, if an employee spends 500,000 yuan to buy a house, he will buy it back at 4.9% of the bank's benchmark interest rate.

If you live for ten years, the bank interest is 245,000 yuan.

In other words, Xinghai Group needs to spend 500,000 + 245,000 + decoration discounts to repurchase, and the employees will not lose money.

In fact, it is equivalent to a "price increase" of 245,000 yuan, and employees earn 245,000 yuan in interest from Xinghai Group.

If the employee borrows money to buy, Xinghai Group will not pay this part of bank interest for the extra bank loan interest, which will be a little more than the 245,000 yuan. In addition to the 245,000 yuan compensated by Xinghai Group, it may only lose one or two yuan. million interest.

The sooner you buy it, the cheaper it will be. If you buy it in the second year, it will be 500,000 yuan + 24,500 yuan. This price is not fixed.

However, Xinghai Group is 100% repurchase.

As for the talent housing in Wencheng, someone has to buy it. If no one buys it, it is tantamount to being stuck.

Because, the locations and floors of these talent houses are mostly at the end of the day when the houses can't be sold!

Fang Kai cannot sell the house, and the bank cannot collect the loan.

Just transfer the risk to the talent!

This kind of real estate may not be able to sell in ten years!

If it is a fire offer, why is Fangkai willing to sell it to the Z government as a talent housing? It is not easy to get the money from the Z government.

The second question is that there are still many "conditions" for undergraduate students to buy a house with a 30% discount!

For example, you must be a "short-needed professional" in the city, a full-time undergraduate, have signed a full-time work contract with the employer for more than 3 years, have no housing in the local area, and have an annual income of more than 100,000 yuan.

Restricting contracts, especially requiring contracts of more than three years, is very detrimental to talents.

That means you can't change jobs. Even if the contract expires, you can only work in another company or unit in the city.

Enterprises use their employees to sign a talent housing contract, and they are unwilling to give the employee a salary increase, because they must work in the enterprise for three years, and there are too few places to go.

The third question is about the pricing of talent housing.

The verified price will be a little lower than the housing price, but a little higher than the actual price.

For example, if the housing price is one million yuan, the verified price may be 980,000 yuan.

But for real purchases, there will be various discounts, such as participating in the capital verification of housing openings, freezing capital, opening and other activities, signing contracts on time, one-time payment and other discounts. The actual price is only about 950,000 yuan. ten thousand yuan.

Therefore, there is a discount for 30% off, which is about 25% off.

Talent housing policies in other cities are not as simple as they appear on the surface. After reading the red-headed documents, many people will scold those purchase conditions.

After all, the cheapness of this Z mansion is not so profitable.

In contrast, although the Xinghai Group's talent room has restrictions, it is at least more "reliable" than the policies formulated by certain departments.

The purchase price is less than 50% off, 100% sellable, finely decorated and delivered, and there is no time limit for sale, which can really benefit employees.

Mu Yang intends to announce the preferential policy and purchase conditions as soon as possible, and cannot wait until the construction is completed.

There will definitely be some employees who will hesitate after seeing these purchase conditions, shared property rights, and repurchase prices. Not everyone is willing to buy the company's house. In addition to the price, there is also the location.

If the company waits for two or three years to issue a policy in vain, those employees who do not plan to buy a company house will scold their mothers and miss the best time to buy a house in the urban area.

A few days later, this talent room policy was announced in the company.

Signed by chairman Mu Yang, the document is authentic.

After the employees knew the news, it immediately caused a sensation in the company, and all the employees discussed enthusiastically.

"Wow, everyone is eligible to buy, including workers, but due to the speed of construction, special talents and old employees of the company are given priority."

"The price has already been announced. It is about 7,500 yuan per square meter for the delivery of fine decoration. There will be a slight error in reality. This price is really cheap! It is sold for 20,000 to 30,000 yuan in the urban area. Those houses will definitely be scolded by our company. Originally we made money and expected us to spend it, but now, hehe, it’s impossible to make money from us.”

"7,500 yuan per square meter is really cheap, but the common property rights are still incomprehensible."

"The minimum area is 89 square meters, which is a small three-bedroom; the largest area is about 150 square meters, a large four-bedroom. The shared area is not more than 21%. Small high-rise buildings have a plot ratio of 2.5, which is very good. Those houses are also small high-rise buildings, but the volume The rate reached 3.0!"

"Separation of people and vehicles, aluminum alloy curtain wall, the price of the garage is about 20,000 yuan, and it is equipped with kindergartens and elementary schools, which is very good."

"Restricted sale and limited price. It's understandable. After all, the cost of buying land for the company is high, and the cost price is sold to employees. The chairman is awesome. Now our ordinary employees can afford houses."

"89 square meters, 667,500 yuan, and the down payment is 200,000 yuan. We ordinary people still have a little hope. The house price in the city is directly desperate."

"When will the construction start? There is no explanation."

"I didn't say the specific time, but said that the plan has been launched and construction should start this year."