The Black Card

() Lawrence saw Jackman's embarrassment and hurriedly spoke to resolve the embarrassment.

"Mr. Shi is probably misunderstood. Mr. Fries just wants to change his living environment. He is now retired and wants to move to a peripheral place so that he can be cleaner."

Shi Lei shrugged and laughed, "Is it? Since there is no shortage of money, it is easy to handle. To be honest, the price of this suite itself is a bit high, and I really can't get enough cash. Oh, Tom, If you guys in the U.S. do mortgages, how much down payment do I need to pay to buy this house? "

Tom is honest. After all, he is an intermediary. For him, as long as the house is sold, he can get a commission, and the customer's payment method is no different to him.

"If Mr. Fris is now quoting, you need at least $ 30 million for Mr. Shi to make a mortgage on the property and pay it in installments."

Tom said very clearly that the amount of down payment will be different because of different selling prices, because no matter what kind of house prices the sellers quote, this house has its own valuation in terms of banks. Before the bank lends, it is necessary to confirm that the price of the property exceeds the loan amount, so that when the buyer breaks the loan, they can auction the property to repay the bank loan.

Generally speaking, the assessed price of the bank will be 10% lower than the market price. If you buy a luxury home of this grade in the United States, if the homeowner's offer is completely in line with the market price, the buyer often only needs to pay a 10% down payment Can successfully get a loan.

Tom said that Shi Lei needed to pay 30 million for the down payment. In fact, he was telling Shi Lei politely that the quotation of this house was high, and it was at least 15% higher.

But when Jackman heard this, he couldn't sit still.

After all, he is short of money now, and the shortfall is nearly 100 million US dollars. If he can mortgage the house to a bank to take out a loan, he will not have to sell the house at all.

The reason why he did not think of using his real estate to go to the bank as a mortgage loan was not because he was unwilling to bear high interest on the loan, but because if the mortgage loan was used, the bank lending would be less than a month or two later. Already.

He couldn't wait that long, and his creditors demanded that he pay off all his debts within five days.

"Mr. Shi needs a loan again?" Jackman was so restless, he asked.

Shi Lei raised his head, glanced at him, and said in amazement, "Did you Americans not need a loan to buy a house? I thought you Americans are the ones who know the most about leverage, a real estate with more than one billion yuan, and bank Isn't it the best option to buy money? "

Jack Mann suddenly said, indeed, no matter how much money, loans are always the best choice, and no one will empty their pockets to buy such a property.

Lawrence hurriedly said: "Mr. Shi, maybe our previous communication did not explain this. The biggest condition for Mr. Fris to sell this property is that he must pay in full at one time."

Shi Lei listened, nodded, took the glass in front of him and took a sip.

"Thank you so much for Mr. Frith's fine wine. It seems that we cannot agree."

After all, he stood up and looked like he was leaving.

Jack Man was anxious, he looked at Shi Lei and said, "100 million, pay the full amount! Now you can close the deal."

Shi Lei sighed and said, "According to what Tom just said, the appraisal price made by your house and the bank is probably in the early 100s. So, Mr. Frith, your price can't move me, and I haven't I talk to you about the price. The problem now is that you need to pay in full, and I can't take out the full amount. This is a gap that cannot be bridged. For the sake of both parties, we still don't waste time with each other. "

Tom actually feels surprised, too. Isn't Shi Lei right? Is Jackman really short of money to such an extent? And it is still urgent. Otherwise, bank lending is just a matter of months, and he can't even wait for this time.

Under such circumstances, Tom also knew that the house might be difficult to close, so he stood up and bowed deeply to Jackman and Lawrence, expressing regret and following Shi Lei's footsteps.

"Mr. Shi, how much down payment can you take out?" Jackman was also very anxious. He said that although he only had a little more than a day to sell the house, only Shi Lei was interested.

And he understood that under normal circumstances, if he wanted to sell such a luxury house, it would not be possible to sell it within half a year. If Shi Lei really left, he would be blind.

He didn't try it out, consulted with the creditor, and used his house to pay off the debt.

However, his creditor's asking price for this house was only 50 million US dollars, and he was robbing in the fire. He could not give this house to anyone for 50 million.

Shi Lei turned around, smiled slightly, and said, "For me, of course, the less the better. The more things that can be done with 10 million, there is no need to come up with more."

Jackman stood up and caught up with Shi Lei. He seemed very hesitant and tangled, but eventually said, "Mr. Shi, in fact, you already guessed it just now, and I don't hide it from you. I really need some money now. I see Mr. Shi should be a person with sufficient strength. We can negotiate the price, but also ask Mr. Shi to pay the full amount, how about it? "

Shi Lei seemed to think about it and said, "Let's go, let's talk alone?"

Jackman froze. He didn't understand why Shi Lei had to talk alone, didn't he just buy a house?

But in order to close the deal as soon as possible, and to seize the only opportunity that Shi Lei could help him pay off his debt, he still agreed.

"Let's go to the study?"

Shi Lei nodded and followed Jackman to the study. In the living room, Tom and Lawrence looked at each other and expressed confusion.

Entering the study, Jackman saw that Shi Lei wanted an environment with absolutely no third pair of ears, and he turned back and closed the door.

"This study is specially sound-proofed, and no one will be able to hear our conversation."

Shi Lei nodded, sat down, and looked around the study, and said, "As far as I know, Mr. Fries is the core figure of a consortium. Don't you feel nervous even 100 million dollars? With your status in the U.S. at $ 100 million, how could Mr. Frith put himself in this dilemma? "

Jackman looked at Shi Lei and sighed deeply. There was absolutely no way he could answer this question.

Shi Lei didn't expect his answer ~ www.readwn.com ~ He owed debt and was repaid within a time limit. Can't wait for the bank to lend? Shi Lei asked again.

At this point, Jackman had nothing to hide. He nodded, and said with a grin, "As Mr. Shi guessed."

Shi Lei shrugged his shoulders and said, "In fact, I'm not all guessing, or I'm not guessing at this point."

"Huh? Mr. Shi means ...?" Jackman was puzzled.

"Before that, I had a speculation that a series of things happened in Tayastan recently. The biggest one involved was a European consortium. It happened that I had a lot of past grudges with this consortium, and I also learned that An American consortium is also deeply trapped. Before I came here, I heard that Mr. Frith was going to sell his home, and I guessed that your consortium would be the one caught in the Tiastan incident. Now it seems that it should be right Now. "

Jack Man was startled. He widened his eyes and looked at Shi Lei. There seemed to be endless words to say, but he couldn't say a word.