Rebirth of Business Domination of the Two Worlds

Chapter 34 Buying a House
"Twenty sets? Little handsome guy, are you kidding me? This is a total price of 3000 to [-] million, can you make the decision?" Mo Mo's words shocked the sales manager Tao Yuming again. He thought it was just a few sets, and it is estimated that ten sets were blown .

But Tao Yuming looked at the faces of the people in front of him, he really didn't look like a rich man, but people can't be judged by appearances, he has a lot of experience, and seeing the three adults all nodded at the same time, it seems that this kid can really make decisions.

"If there are five suites, pay in full, and then add another point. If there are more than ten sets, one point less." Tao Yuming replied after thinking.

"Manager, there are only two discounts, and the total discount is nine discounts. We have seen dozens of properties, and there are many properties that are better than yours. The price is even more favorable, but we haven't revealed that we bought that much. .

I believe that if they knew that we bought dozens of apartments, they would sell them at the cost price. Now that the financial crisis has occurred, if the economy has been in a downturn for nearly ten years like that of Little Riben, your real estate cannot be sold, and your boss has no money to pay back. Loans, if you want to jump off a building, you will also be pulled to jump. "Mo Mo's voice was clear and clear, coupled with the random firing of artillery, it made a few people around laugh.

Tao Yuming's brow was sweating when he heard this, and then he smiled. He didn't blame the kid for cursing him, but admired his eloquence.

Next, the two sides negotiated for half an hour, and finally came to a result.The house price has been reduced from an average price of 30.00 to [-]. The two sets require a down payment of [-]%, and the rest have to be paid in full.

Although it is the same building, but the floor is different, of course the price is also different.Mo Mo and the others looked at the house and chose the floor directly.

The two sets of down payment units are relatively large, both 130 square meters, with three bedrooms, two living rooms and two bathrooms. One is Mo Ming's own, and the other is under Mo Yao's name. Calculated, each apartment requires a down payment plus deed tax and other expenses of about 50 Ten thousand, commercial loan repayment, 30-year period, monthly repayment of nearly 5000 yuan.

This made Mo Hua and his son panic. The monthly repayment of 3000 yuan is really not enough for their family. Fortunately, the house has been renovated and they can rent out the house directly. There should be two to [-] yuan in monthly rent. Income, there will be a lot less repayment pressure.

The fully paid suites of Momo’s family are basically small apartments, with an area between 110 and 1800 square meters. The total area is 18 square meters. There are 2070 houses in total, and they need to pay 18 million yuan for the house, which does not include the first house payment and [-] houses. The deed tax fee of the house.

If Momo finishes paying the rent and taxes, it is estimated that he will only have 120 million left in his card.

An hour later, the two parties signed the house purchase contract, and Mo Mo paid the deposit to the designated supervision account.As for the house with the down payment, the manager patted his chest and said that the loan can be done well, and there is no problem with the highest down payment, so everyone doesn't have to worry about anything.

With the help of the manager, coupled with the fact that there is no purchase restriction policy now, Mo Mo’s house purchase application was quickly approved online. Otherwise, it would be impossible to sign online in less than ten days, and then pay various property taxes and pay the house. Fund, and finally transfer to get the real estate certificate and real estate certificate.

It took only two days to get the certificate after completing all the procedures. Mo Mo really didn't believe in the efficiency of the work. If the normal procedures were followed, the property rights certificates and certificates should be used to find out the current situation of the premises, measure and calculate the area, and grasp the real estate. After knowing all the real-life data of the house and other processes, how can it be done in less than a month.

Of course, for two houses with a down payment, it takes a long time to get a loan, and it will take some time for the real estate certificate to be issued.

"Kids, since you are real estate speculators, you can use these houses as a loan to buy them again." Tao Yuming, who has gotten to know these people well in the past two days, already knew that it was Mo Mo who made the decision, and said flickeringly.

Only then did Tao Yuming realize that the money for buying a house was earned by the teenager, and buying a house was his decision. The two elders were led by him, which really surprised him and admired him 1 times.Now even teenagers are making money to buy a house, and they still buy [-] houses, which is as good as their performance in the past three months.

"Can you do it? What do you need?" Mo Mo asked in surprise.

"Of course you can, but you have to take our orders, and forget about the rest. It's refreshing enough." Tao Yuming said firmly.

Mo Mo knew that the house bought with full payment could be mortgaged for a house loan, but he was afraid that the loan procedures would not be so easy. If he could get a loan, according to what the manager said, after getting the loan, he might be able to buy more than ten houses.

The mortgage loan was decided by Mo Mo on the spur of the moment. At first, the family members disagreed, feeling that the risk was too great, but they couldn't resist Mo Mo's decision. He earned the money, and in the end he couldn't pay it. At most, he sold a few houses and cashed out to repay the loan.

Tao Yuming was eager for them to mortgage again, and promised to help them complete the bank loan procedures, but the mortgage loan can get up to 70.00% of the estimated value of the collateral, and it takes a long time to go through the procedures.

As a result, Mo Yao will not be able to go home for a short time, and will need to stay in the capital for a while, after all he needs to sign the transfer.Mo Mo was worried that his father would make a mistake, so he had to accompany him in the imperial capital.

The next day, the inexplicable father and son and Mo Wanqing flew home, while Mo Mo and his father stayed in the imperial capital temporarily.

Three days later, Tao Yuming notified Mo Mo and his son that they had already communicated with the bank, and they just came to complete the formalities.

Mo Mo didn't expect to move so fast, and he didn't know if he used money means. If the father and son were to do it, it was still a question of whether it could be done.Even if it can be done, under normal circumstances, it will take at least two months to wait to actually get a bank loan.

On September 9st, Mo Mo and his son completed the bank loan procedures, and the loan came to the account soon. According to the agreement, they continued to buy the house.

The annual interest rate of the bank loan is 7.20%, the contract period is ten years, and the longest repayment period is one year.

18 houses can be mortgaged for 1400 million. Momo plans to buy 12 houses.

This year, the interest rate for the first home is 4.5%. No collateral is required. If you have a fixed source of income and provide a valid income certificate, you can apply for a housing loan.

Now Mo Mo's loan is a credit loan, the amount is tens of millions, and the house is needed as collateral. It is very lucky to be able to get the loan.

Nowadays, the monthly interest of private mortgage loans is generally 2 cents to 3 cents, and the annual interest rate is about 30%. This kind of usury is not considered a scam. It is relatively low.

If it is the naked loan of the later generations, or the usury with a rolling interest rate, it is purely a scam.

As a result, there are a total of 31 houses under the name of Mo Mo's father, and they are all in one community.

Mo Yao said worriedly: "Son, the loan is now tens of millions, and the interest has to be paid 100 million a year. We don't have that much money to pay back."

"Dad, it's okay. The house price will definitely rise. The annual interest rate is only 7.2%. In the past few years, the house price has risen by more than 10% every year. We are using the bank to make money with money, and we don't spend it in vain. I'll take care of the interest." Just figure it out, don't worry."

Mo Yao sighed and said: "Hey, I hope it can go up. If you lose everything in the end, just don't blame us." In fact, he himself was a little excited. Suite 31 is still in the imperial capital, which is much more than looking at money.

If the loan is still available, Mo Mo definitely wants to take another loan and continue to buy.Eighteen real estate certificates are in the bank, and there are twelve unsecured real estate certificates that have not been processed. The manager said that he also wants to help him with loans, but the bank is afraid to give them loans for the time being.

One is that by the end of the year, the bank loan task is basically completed. If it is the beginning of the year, the loan will be fine; the other is that the risk of their father and son playing is too high, after all, the financial crisis has not yet passed.

The manager thinks about being himself, with a loan of tens of millions, which is too much pressure for him. He doesn't have the confidence and courage to bet that the house price will rise in the past two years.If the housing price continues to fall, it will be difficult to sell the house, and it will be troublesome if there is no money to pay when the interest payment period comes.

Mo Mo knew that there was a policy of 4 trillion yuan to leverage domestic demand, but according to the news, the policy has not yet come down, otherwise, it would be no problem to use those twelve houses for loans.

I don't know when the country will announce the policy, it should not be far away.

In the next two days, the two completed all the procedures for the [-] houses and obtained two real estate certificates.

The father and son planned to go home on the afternoon of the 4th. Before going home on the night of the 3rd, Mo Mo thought of another world.

Before going there, of course, I didn't forget to bring the earth goods there.

(End of this chapter)