Rebirth of the real estate speculator

Chapter 110 112. Empty Glove White Wolf 2 (Please collect!)
On the way back to the store, Ning Feng has been silently calculating the gains and losses of this transaction.

According to the current benchmark interest rate, the monthly repayment of a loan of 105 million should be around 6000 yuan.

This repayment amount is still acceptable.After all, you can have an extra 25 cash on hand immediately.

The 25 cash alone is enough to pay off the mortgage for more than three years...

But Ning Feng didn't plan to delay it for so long.Ning Feng is going to pay off the house directly after the bonus and performance from Yixian City are all paid off.It's only three or four months before and after!

Thinking that he would soon become a family member, Ning Feng couldn't help feeling a little elated.In fact, Chinese people have different plots from other countries when it comes to real estate.

In ancient times, when a person was said to be poor to the limit, it was not that the house was barren, but that the house had no tiles!

There are still four walls in the four walls of the family, that is, the family with houses!There is no tile in the house, so poor that you can't even afford a single brick!
Ning Feng, with a dark heart, returned to the store briskly, and then directly reported the order to Lao Mo.

Lao Mo was at a loss: "You just made an order when you went out to eat?"

Ning Feng smiled, and told him that he was going to buy this house in Tongda Community.

Lao Mo sighed, the money belongs to Ning Feng himself, and how he likes to spend it is his business, he has already said what should be said in the morning, and he can't say anything more now.

Seeing Lao Mo's hesitant expression, Ning Feng felt a little embarrassed, and said in relief, "Don't worry, Lao Mo! I know it well."

Originally, Lao Mo was worried that Ning Feng would lose himself with so much money at such a young age, so he was worried.However, judging from Ning Feng's usual mature performance, his worries were obviously superfluous, so he said with a sneer, "Why do you spend money like that and you comfort me instead? Damn it!"

"Hahaha..." The two laughed at the same time.

That night, Mr. Ge came to the store and successfully signed the purchase intention contract with Ning Feng.At the same time, Ning Feng also took out a prepared agreement between the two parties for him to sign, to the effect that the landlord must be accompanied by him when receiving the final payment, and after receiving the money, he must remit it to the bank designated by Ning Feng within 15 minutes. Bank Account.

At the same time, the agreement also stated that if the landlord does not return the money to Ning Feng, Ning Feng can use "everything" to pursue the money!

This is a small warning from Ning Feng to the landlord!With Zhuo Jun, his cousin in the public security system, and Ru Hua, a gang of local snakes who eat black and white, Ning Feng is not worried that Mr. Ge will run away!
The next day, Ning Feng signed a formal contract with the landlord.Of course, because Ning Feng did not have the qualifications to buy a house, he also made up the tax himself, which cost 1500 yuan.

This is the price that Ning Feng negotiated with the scalper who paid the tax!Because he paid the personal taxes of more than 100 people at one time, this is a super big order!

The cost of tax payment for scalpers is only a few thousand yuan for a registered leather bag company, and the individual tax for each person is tens of yuan a year. More than 100 people, 1500 yuan each, and more than 15!He can make enough money!
At that time, the main thing is to cancel this leather bag company, and everything will be OK!
Because the price of tax payment has come down, the money Ning Feng earned through this has become more than 88!

In fact, he is fully capable of buying this house with a one-time payment!Then take out a mortgage and take out cash, just like Wang Xuesong bought a row house in Gold Coast before!
He considered this method, but finally gave up!

First of all, there will be an extra handling fee for the mortgage loan. He is not in urgent need of funds now, so there is no need to mortgage more funds, as long as the funds in his hands are not too small!
On the other hand, the interest on a mortgage is more than double the interest on a home loan!
This is obviously not in line with Ning Feng's style!
Ning Feng is extremely generous in some aspects, just like when he faced Chen Xin last night, he acted like I am a local tyrant!But that's because he's sure that Ru Hua can't let him pay for it himself, it's just a generosity of others!Ning Feng will not feel embarrassed at all!An idea of ​​his own may help him earn hundreds of millions of profits, so how could Ru Hua care about such a small amount of money?

But when it comes to business, when it’s time to plan carefully, you must plan carefully!

Although this method of defrauding loans by making a high appraisal price cannot be regarded as a white wolf in the strict sense!

However, the current real estate market is already very standardized and strictly managed!It is impossible to get hundreds of millions of dollars from the bank by taking a piece of land as it did back then!
In Ning Feng's opinion, being able to increase his cash flow and get the property rights of a house is enough!

Now all that remains is the appraisal and bank loan approval!

The evaluation question was very simple. Ning Feng took the camera by himself, went to the house and took photos, and then copied the three real estate certificates and sent them to Chen Miao.

When I heard that Ning Feng wanted to buy a house, Chen Miao naturally gave her full support!Not to mention an evaluation report?
Ning Feng refused Chen Miaola's invitation to have dinner and drink with difficulty, and continued to do the next thing.

After walking out of the community, he took out his phone and called Ru Qi!
"Hello? Brother Ning?" Ru Qi was obviously surprised when he received Ning Feng's call.After getting his suggestion yesterday, they just started to register a new company today, and there is no place for Ning Feng to make an idea yet.

"Brother Qi, it's like this..." Ning Feng told the story on the phone.

"I remember when I was eating that day, I said that you belonged to Dazhong Bank, right? Do you have any familiar friends in Donghe Branch?" Ning Feng asked.

Ru Qi was silent for a moment, and replied: "I don't know anyone in Donghe Sub-branch, but I can handle this matter, how about it, you wait for my news tomorrow!"

This is what Ning Feng was waiting for.

Since his rebirth, he has made up his mind to make himself bigger and stronger!So always pay attention to the accumulation of contacts!
From Wang Xuesong, Chen Miao, Wang Ruoyun, to the current Ru Hua, Ru Qi...even including the original Zhang Qi, they are all contacts that Ning Feng deliberately made acquaintance with!

Some of them have already brought him direct benefits, but some of them haven't played their role yet!

But as time goes by, Ning Feng believes that he has the ability to make these people shine when he needs them!
The next day, Ning Feng received a call from Ru Qi, informing him that the matter was settled and that he could go directly to the Donghe Sub-branch of Zhongda Bank to do business.

After getting Ru Qi's affirmative reply, Ning Feng happily went.

As the largest real estate agency company in Qiantang City, Wanjia Company naturally cooperates with most banks!In many cases, the banks are flattering the intermediary companies. Every year when the loan task is over, it is the time when these bank presidents visit various intermediary companies!
Zhongda Bank itself is a large bank with very strong credibility, but each branch has some differences.

The Donghe Sub-branch is located on Donghe Road, not far from the headquarters of Wanjia Company.Many years ago, this branch was a small branch like a sales department. Among the branches of Zhongda Bank in Qiantang City, it was not ranked high in terms of scale or influence!If you fail to complete the loan task every year, you will be criticized by the leader!
However, since 2008, the new president of the Donghe Sub-branch has been very bold and started to cooperate with Wanjia Company with a 68% discount on the loan interest rate, and the situation has been reversed in an instant!
Back then, the interest rate discounts offered by major banks were all 7% off.It doesn't matter which bank you choose, it's the same for customers!

But the Donghe sub-branch offered a 68% discount, which made customers flock in like crazy!Even if the Donghe Sub-branch also requires customers to match a 3 yuan wealth management or insurance with the loan, it still can't stop the enthusiastic buyers!

In just one month, the Donghe Sub-branch completed the one-year loan task, and by the way, the one-year financial management task!

It is a miracle of the Donghe branch to use up the quota for a year in one month!But when the quota was used up, there was no cash to lend, so the president ran to the head office in Qiantang City, blushing and slapping the president's desk with a thick neck, asking for the quota!

With this coming and going, the Donghe Sub-branch of Zhongda Bank became what Ning Feng saw right now!
The spacious hall with six bays, the height of the three-story building, and the endless stream of intermediary brokers and customers all indicate the prosperity of the Donghe branch!
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(End of this chapter)