Rebirth 07 Becomes the First Internet Celebrity

After the two of them had been together for a long time, they were still very busy.

Jiang Xue took the information and started to read it.

On a piece of paper, there was too little information to see. Based on the location and the size of the house, Jiang Xue picked out three villas of more than 300 square meters and told agent Xu that she wanted to go and see them.

The agent drove them there.

The first house was a townhouse with a good location, 284 square meters, and fine decoration. The landlord also added decoration fees, but the overall decoration style was too nouveau riche. It was obvious that it was decorated at a high price. However, if Jiang Xue bought it to make a studio, she would basically have to tear it all down and redecorate it.

This would cause too much loss inside and outside, so it was not possible.

The second house was a bare house. The overall environment of the community was not very good, and the location was much worse than the first one, but the corresponding price was also cheaper. After buying it, you can't use it directly, and you have to invest money in decoration.

Jiang Xue decided to take a look at the third set.

When she got to the third set, Jiang Xue felt that the greening of this community was really good.

The villa is a single-family villa, and the distance from other houses is also good, and the privacy is very good.

The house is two-story, and the house was delivered in 2003. The total area of ​​the house is 372 square meters, with a corridor, double entrances, and 300 square meters of green space facing south.

I didn't even go in to see the internal structure. Just looking at the situation outside, Jiang Xue felt so like it.

The agent took the key to open the door. The landlord was not there. It was very empty inside, and there were ladders, buckets, and construction waste used for decoration.

"You can also see that this house has not been decorated yet, but the basic hard decoration is almost done. The landlord is doing overseas business. Because of the impact of the overseas financial crisis, he needs to sell this house to raise money."

Jiang Xue looked at everything upstairs and downstairs. Whether it was inside or outside the house, she was very satisfied.

It feels like this house is tailor-made for her, and it is especially suitable!

Xu, the agent next to her, saw Jiang Xue's serious look and put her heart back in her stomach. This house is not specially tailored for Jiang Xue. The reason why she took Jiang Xue to see this one in the end was that she felt that this house was suitable for Jiang Xue.

"How much is this house?" Jiang Xue asked.

"The house is based on the unit price of the surrounding area, 12,000 per square meter. The landlord said that it will be given to the next resident after the decoration, but it needs to be sold as soon as possible. By the way, this house is also equipped with floor heating."

Jiang Xue calculated in her mind that if it is 12,000 per square meter, 372 square meters will cost 4.46 million.

It's expensive.

But thinking that the price will reach tens of millions in a few years, Jiang Xue thinks it is a good deal.

"Can I get a loan?" Jiang Xue asked.

"Yes, if you can get a loan, the minimum down payment ratio for the first house in Kyoto is 20%." Xu, the agent, answered.

"What if it is purchased in the name of the company? Are there any restrictions?"

"If the company has been registered for more than one year, the company cannot take out a loan to buy a house, and must pay in full." It's a pity that they can't take out a loan, and one year is not enough.

She took another look at the house and really liked it.

Thinking of the dividends in her card, if she took out a loan, the money in her card would be almost enough!

But she also planned to buy in S City. If she bought this villa, she would have no money to buy a house in S City.

"Can you help me calculate the minimum loan ratio for an individual purchase and how much down payment is required."

"Okay, Miss Jiang, I'll calculate it." After saying that, he used the calculator on his mobile phone, took out a piece of white paper, and calculated.

"For a 20% down payment, you need to prepare 900,000 yuan."

"In addition, there is the deed tax and agency fees. Let me calculate it. The deed tax is 3% + the agency fee is 2%. 1.7% of the agency fee is the service fee, and 0.3% is the guarantee service fee."

"The two together are 138,000 + 89,000, a total of 227,800 yuan."

In other words, after paying the down payment, adding the deed tax, and the agency fee, the dividend she just received in her card is 1.64 million yuan. After deducting the 500,000 yuan invested in the cosmetics company, there is only more than 10,000 yuan left.

Her current promotion expenses and income as a makeup artist are enough for her daily expenses, the wages of two assistants, and the other two houses minus the rent and the remaining mortgage.

I have to pay the mortgage later. Thinking of the mortgage, Jiang Xue asked again: "If I take out a loan for ten years, how much do I need to pay every month?"

I saw that the agent Xu continued to calculate on paper. After a while, he told Jiang Xue: "The current interest rate is 5.88. If the monthly equal repayment is 39,309 yuan, the principal and interest will be about 4,717,000 yuan. The monthly repayment will decrease by 45,983 yuan in the first month, and the other months will decrease. The principal and interest total 4,615,362.0

0 yuan. "Hearing the figures reported by the agent, she was not moved at all. After all, she could still afford tens of thousands of yuan.

In addition, she did not buy the house in the name of the company. Jiang Xue planned to go back and divide the money left on the account for buying the house. She bought the house to use as a studio, and there was also a fee for renting the house to the company.

Thinking of this, Jiang Xue asked: "If this house is rented out, how much can it be rented per month?"

"About 6,000-10,000." Jiang Xue nodded, and asked the company to calculate the rental amount. According to the nearby rental prices, Jiang Xue could get some money back to offset the mortgage by renting the house to the company.

I looked at the house carefully again, and I liked it more and more. "Can it be less?"

"The landlord has already put in more than 100,000 or 200,000 yuan for decoration. You know, in some small cities, this decoration money may buy two houses. The landlord is waiting to use the money, otherwise he would not be willing to sell it. I tell you the truth, the landlord's lowest price is 4.45 million. Other deed taxes and agency fees are stipulated and cannot be reduced.

"Okay, you help me make an appointment with the landlord, and we will go through the next process, and buy it!"

Then there is the contract payment, various signatures, and it was not until dark that Jiang Xue returned to the hotel where she was staying. Gao Meimei went out to buy food. While waiting for the meal, Jiang Xue called Jiang Xinyi and said, "The house in Kyoto has been rented."

"Didn't you say you would buy it? How did you rent it?" Jiang Xinyi asked puzzledly.

"The company did not have the conditions to buy it, so it rented it." After that, he explained in detail the company's regulations for buying houses.

"How much is the rent, how big is the house, and what decoration is it." Jiang Xinyi asked curiously.

"The total area of ​​the house is 372 square meters, a two-story villa. Can you leave the company? Ask the accountant to calculate the remaining money on the books, and we will divide it. Bring your card, take a plane, and come to see it, you will definitely think it is suitable."