Rebirth of Business Domination of the Two Worlds

Chapter 50

Mo Mo knew that he was about to enter a formal topic, so he just squinted his eyes and continued to eat.

Zheng Kang turned to Mo Yao and said with a smile, "Boss Mo, our bank has a new loan task. I don't know if there is any intention to borrow again. The interest rate is guaranteed to be low."

"Uh, this." Mo Yao drank some high-grade liquor, which made him very unaccustomed, his face was rosy, but he was not drunk, but suddenly he didn't know how to start a conversation, and in a blink of an eye, he looked at his son who had just eaten all the lobster, and saw him leaning on the chair, He felt his stomach comfortably with both hands, as if he was a bit full, and he actually drank half a bottle of red wine, his little face was flushed like a little pink apple.

Mo Mo heard it, but pretended not to hear it, and didn't want to speak so quickly.

Zheng Kang looked at Mo Yao with some hesitation, and simply said: "Ten years, with an annual interest of 7%, you can mortgage the property."

"The annual interest rate is indeed very low. Our boss's business loan is 12%. Master Mo, don't you still have 142 unmortgaged houses? But do it." Tao Yuming looked at Mo Yao who couldn't make up his mind. His son is still in charge of the matter, so he turned to Mo Mo to remind him.

"The interest rate is fine. Can you borrow more? One or two hundred million is fine?" Mo Mo said after patting his stomach. The annual interest rate of 7% is indeed very low. He wanted to borrow more, and he hoped to borrow more.

The interest rate was already low enough, so he dared not continue the discussion. In case someone later exposed him for borrowing money to speculate in real estate and found out the low interest rate, saying that his family cheated the country's money, it would not be good for his family's reputation.

Zheng Kang said: "This depends on the value of the collateral. The maximum loan amount is 70% of the appraised value of the house. We can't account for any more. It will be troublesome if the head office checks the accounts." Anyway, he dare not break the 70% regulation.

"It's the people in your bank who appraised the assets. It's fine to estimate the property at a high value. Don't follow the transaction price between me and Manager Tao. Even if you check it later, the house price has risen. Why can't you continue to increase the loan?"

Hearing this, Zheng Kang smiled, this little guy knows a lot, he just agreed to the loan, and said: "It's not a problem, you can pay the interest on time, but I believe you, Xiaomo will come back after a few bets." gone."

Knowing that the house price can be overestimated, Mo Mo was delighted, and then asked: "Is it okay to borrow repeatedly? I get the real estate certificate and make another mortgage loan. I plan to buy all the houses of Wanliu Guangda ink painting."

As soon as he finished speaking, the three of them were really surprised.

What Zheng Kang admired was that this kid was crazy enough to speculate in real estate, and he didn't know how he was so sure.

Mo Yao was slightly nervous, but still believed in his son.

Tao Yuming, on the other hand, was overjoyed. As a result, the first phase of Everbright Ink Painting was probably copied by him, and at least half of the houses in the community belonged to this little guy's family.

Zheng Kang pondered for a moment, smiled and said, "Of course it's no problem. We only recognize the real estate certificate and the real estate certificate, and one mortgage for one house."

Next, several people talked about some loan details.

Everyone was happy to talk about the business. Before the banquet was over, Mo Mo still did not forget the unopened bottle of 82 Lafite. If you don't pay for it yourself, it will be heartbreaking.

After the banquet, the three parties left separately.

The efficiency of the bank is very high when it really takes action, not to mention the loans involving hundreds of millions. Zheng Kang personally led people to go out and use his relationship to help Momo Moyao and his son to complete the procedures, and all the procedures were given the green light.

Next, the 142 unmortgaged houses in Mo Mo’s house were originally traded at 14550 million yuan, but were directly valued at 16800 million yuan, and 11760 million yuan can be borrowed, all of which are used to buy houses and pay deed taxes. Momo bought 1 houses at a low price.

After completing the procedures for the new house, continue to borrow money.

In the end, a total of nearly 4 million yuan was borrowed, and the remaining 380 new houses in Shui Da Shui Mo Community were directly copied. Mo Mo mortgaged a total of 482 houses this time.

In this way, with the newly purchased 380 houses plus the previous 161 houses (541% down payment for one house), Mo Mo's family has 501 houses, all of which are located in the Wanliu Guangda ink community.Among them, 40 houses are fully loaned, and [-] houses have not yet been mortgaged.

However, after this set of procedures, almost a month passed, and it was mid-January 2009.

During this period, Mo Mo went to other worlds several times to watch Shi Wu and the others train.

What troubled Mo Mo was that Yu Xiao called him several times and said that he wanted to see him very much. Mo Mo had no choice but to tell her some stories and said that he would go to Pingzhou when he was free.

There were too many loan procedures. Mo Mo entrusted a lawyer from a law firm who specializes in real estate laws to assist in handling the loan. The loan of 11760 million yuan still followed the procedures. The subsequent loan, real estate certificate, and tax payment were all handed over to the parents and lawyers.In addition, Zheng Kang also helped out the relationship, otherwise the procedure of hundreds of real estate certificates alone would definitely not be completed in a month.

For a few, it's been a crazy month.

The 4 million yuan loan, plus the previous 1400 million yuan loan, the Mo family has a total loan of 4 million yuan, and the bank interest is 1400 million yuan a year.

The 541 houses made Mo Mo's parents both excited and frightened.

Mo Mo looks calm on the surface, but in fact he is not calm in his heart. Thinking of his houses, how far the housing prices will rise in a few years, he feels a sense of accomplishment spontaneously, and he is really proud.

3000 million interest, if you rent out the whole house, there will be no pressure.Fortunately, the one I bought was well-decorated, and the ventilation time was longer, so I could move in with my bags. If it was an off-plan house, I would definitely worry about Mo Mo's parents.

Mo Mo's own shop was named "Everbright Ink and Wash Housing Rental Department" openly and aboveboard. Ning Lanxin hired three workers, one was in charge of the finances, and the other two were in charge of the housing.

Mo Mo's parents only supervise the money that comes into the account every day. When they are busy, they show the tenants to see the house, and they usually wander around in the community and visit.The two lived a happy life as a "charterer" and "charterer", and they never got tired of it.

After Mo Mo paid the house tax, there was only 200 million yuan left in his bank card. Before liberation, he was still in negative equity.

In addition, for the 40 houses that have not been mortgaged by the bank, Zheng Kang said that they can no longer take out loans. In fact, there is still a loan amount. Mo Mo's family still hasn't paid the interest, so he might be kicked out as the president.

In fact, Zheng Kang had already approved loans of nearly one billion yuan, but he was flustered after meeting such crazy real estate speculators after a few days of calming down.

Mo Mo's real estate speculators are too crazy. The real estate management bureau that handles the real estate certificate procedures has not announced it to the outside world, nor has the staff of the Everbright Ink Sales Center disclosed it to the outside world, nor has it attracted media attention.

In fact, Tao Yuming warned his subordinates not to expose it, and the Housing Management Bureau has Zheng Kang's relationship to help suppress it. For the time being, no media knows about it. Otherwise, this kind of crazy thing will definitely shock the whole country, and his house will definitely be exploded. Guangguang, it is estimated that the whole country knows what Mo Mo wears.

However, the transaction volume of houses in a certain community in a city can still be checked from the official website of the Ministry of Housing and Urban-Rural Development. The head of the household keeps secrets, but all the hundreds of houses in the community are sold out within a month, which still arouses the surprise of some interested people.

Mo Mo is really afraid of causing trouble for such a super speculator.In fact, he was afraid that someone would follow suit and speculate in real estate, which might cause a premature rise in housing prices in the imperial capital, and he was not afraid of other troubles.

Mo Mo also knows that if the house is to be rented out, the tenant must know the head of the household. After all, some people want to see if the house is yours, of course they need to see the copy of the real estate certificate.

Fortunately, the rental department of his family only listed a few vacant houses for rent, one was rented out and another vacant house was listed.The tenants only know that the head of the household, Mo Yao, has many houses, but they don't know how many houses he has. No one has disclosed the news to the media yet.

Mo Mo just didn't know how long he could hide from the media, or if he didn't reveal it, he might know that he made the money and greatly increase his personal reputation.Of course, this is just his thinking, the exposure must do more harm than good.

Before Mo Mo returned to his hometown, he asked his parents to take the 40 unsecured houses and go to other banks to borrow as much as they could.

There are only ten days before the Spring Festival, but Mo Mo's parents want to rent out more houses as soon as possible, even before the festival, there are not many outsiders in the imperial capital.

Mo Mo has been busy for a month, and he also wants to rest for a day or two. He returns to Gao Chao's hometown in the evening, and goes to another world to play that night.

(End of this chapter)