I copied my daughter in the parallel world

Chapter 1246
When the real estate loan application was approved, the bank also sent a detailed survey to Gu Cheng's mailbox. There was a very clear clause in it, which allowed Gu Cheng to know what kind of assets he had. What kind of prices are these assets given when they are estimated?Accumulated to be able to form such a huge cash flow.

It has been almost a year or so since Gu Cheng started to implement his own real estate acquisition plan, and he has invested various funds in the middle, and even the profits and dividends of some real estate agencies have been redistributed by himself. Adding to this plan, after so long of hard work, and the reason why people's awareness of real estate is not so clear now, Gu Cheng has gradually accumulated from the size of a house to the current huge real estate group. It can't achieve the goal of truly half the city, but it can be regarded as a tycoon of relatively large physical assets in this city.

According to the current statistics, the scale of real estate owned by him is about 370 sets. This number is also more detailed and clear than the previous rough statistics of Gu Cheng. After all, for banks, only by counting this number can they have a set of real estate The location and value of the loan should be given a corresponding valuation. If this assessment is not done well, the loan will naturally end without a problem.

You don’t have to believe in the professional ethics of the bank staff, you don’t need to trust the other party’s professional ethics, and you don’t even need to pay attention to the other party’s bottom line of conscience, but in the other party’s profession, there is a group of people who must be able to be happy, and that is the exclusive bank The real asset appraiser, the meaning of the existence of the other party is to give an own valuation based on the actual value of the item, and the professional personnel decide the specific amount of the loan amount based on this valuation.

Whether it is a gold real estate vehicle, or even some other antiques, these appraisers can use professional advice and strategies, and then calculate the specific value of an item and the price in the next few years. To achieve this level, it is not It can be done simply with a little superficial understanding. You must know that if some wrong judgments are made on this kind of estimation, it may affect some of the bank's own profits and principal, and also indirectly cause business losses. Loss.

For the gold-swallowing beast of the bank, it is acceptable for you to do nothing, and it can even be tolerated if you are dawdling, but if your existence causes a lot of losses to the company, then your career path may be very difficult. It will stop here, and it is precisely because of this that the work pressure in this industry is still relatively high. With this high-pressure environment, almost every appraiser is a top-to-one talent who can accurately Evaluate the actual value of each collateral item.

According to the statistics from the other party's email, Gu Cheng, who currently owns so many properties, is composed of housing as the main asset, and about 230 of them are located in some good residential areas, and most of them are in the area of From 90 square meters to 140 square meters, the purchase price is about 30 sets. With the increasing quota, the current scale has risen to 40 million. If it is located in the school district Real estate, the price may have to double.

When he saw this, Gu Cheng was indeed amazed and surprised by the idea of ​​investing in real estate at the beginning. He knew that the real estate was destined to appreciate in value, but he did not expect that the rate of increase was far beyond his estimation and imagination, and even Unexpectedly, I just caught the pulse of the times, caught up with the soaring momentum of real estate, and achieved the goal of doubling the assets I originally invested.

Rough calculations, based on the average amount of 50 yuan for a house, the amount that can be mortgaged for 230 sets is 1 million. Of course, the bank will definitely not lend according to this amount. Generally, the amount of the mortgage loan will be the collateral 1% of the total value, because it is clear that Gu Cheng's assets are assets that appreciate in value, so the bank has also relaxed restrictions on this aspect, and settled according to the 500% amount, so the loan amount is 70 million.

230 sets are houses and communities, and the rest are invested in some shops and other industries, such as some old houses facing demolition. The value of these is obvious and cannot be calculated according to the ordinary book amount. The value of these properties is about an average of 90.

The final amount of 140 sets x 90 is 1 million. According to the 2 quota, the settlement amount is 600 million. Adding the previous 85 million, the final amount that can be loaned is about 1 million. Of course, the bank may In order to calculate these amounts, when approving funds, the total amount of 710 million was released. This fund has already entered Gu Cheng's current account in this bank and can be called at any time.

To be honest, when the amount was finally calculated, Gu Cheng was shocked and admired for his busyness throughout last year. The attitude towards money still stays above the squandering quota of one hundred thousand million.

From the initial 3 yuan to the current total value of 2 million yuan, this feeling of getting rich all of a sudden made Gu Cheng even a little unsure what attitude he should use to deal with it. The feeling of being full of combat power, after all, money is the goal that I want to miss for so long, and I have achieved it easily in this world. Suddenly, this feeling of wealth added to my body will instantly confuse people's minds and make them Many people do things that ordinary people don't quite understand.

After opening the email, Gu Cheng even had the idea that he was light-headed all over his body. For a moment, he even planned to cancel all his business plans and do nothing for the rest of his life. Being able to keep yourself in a position where you can spend freely without worrying about food and clothing.

Although the attitude I have always shown is relatively intelligent and far-sighted, but in my heart I am still an out-and-out good-for-nothing. If I have such a chance to lie down, if I put it in front of myself in my previous life, I will definitely not hesitate. Choose to lie flat, after all, the process of hard work is too hard, there are shortcuts, and no one will let them go easily.

But when I came out of the study and was about to share this happy thing with my girlfriend and daughter, I suddenly saw the red face of my daughter who was sleeping soundly on his girlfriend's lap, and frowning from time to time In an instant, all the things I thought in my heart were diluted, and even the detailed squandering plan that I had made originally disappeared in an instant.

(End of this chapter)