Chapter 67

"Comrade Jia Yapeng, after discussion at our meeting, considering recovering the cost for the people as soon as possible and putting the funds back into the more important construction of the country, after discussion, the comrades agreed that as long as you buy more than 10 houses, we can give you a 10% discount. If you buy more than 100 houses, we can give you a 20% discount. If you buy more than 200 houses, we can give you a 20% discount 20% off! "

"If you buy more than 500 sets, we can give you a 60% discount. If you buy more than 1000 sets, you can give you a 50% discount!" the leader and Jia Yapeng sat together cordially and announced the results of this morning's meeting with a smile.

"60% off for 500 sets!" Jia Yapeng's eyes brightened. It's impossible to buy all of them, but it doesn't seem impossible to buy 500 sets if it's 60% off.

If the price of one set is 90 million, if you give a 60% discount, it will be 54 million. At this time, behind Jia Yapeng, after more than two months of accumulation, there is another 50 million working capital behind him. If there are another 4 million, you can swallow 500 sets at one go.

"Brother, do you have 4 million?" Jia Yapeng whispered to Chen Liren behind him.

"No!!" Chen Li Ren immediately shook his head crazily. Damn it, Jia Yapeng will go crazy if he wants to go crazy. Don't pull himself to go crazy with him!

"It seems that you can only buy 400 sets!" Jia Yapeng shook his head. 400 sets can only enjoy a 70% discount. These are houses that will turn dozens or even hundreds of times in the future. How can you not buy more.

"Boss Jia, I think you'd better buy 200 sets. After all, you still have a business to run. Don't abandon the basics!" the leader said with a smile.

"Wait, let me think about it!" Jia Yapeng began to calculate in his heart. Although he has a background of 50 million, now the company needs money in all aspects, and the 4WD project needs to be started. He should keep at least 10 million to ensure the adequacy of working capital, so only 40 million can be used to buy a house.

In this way, it seems that you can only buy 400 sets, but you really lose. If you miss such a good opportunity, you won't have it!

"Leader, let me ask, can I get a loan for these houses?" Jia Yapeng suddenly asked.

"Jia Yapeng, you're really crazy! You want to buy a house with a loan!!" before the leader spoke, Chen Liren behind you exploded. "You're really crazy. Do you know how many loans you have to carry? Do you know how high the interest rate of the loan is? The cheapest one needs an interest rate of 8.1%. Did your money fall from the sky? It's given to the bank!!"

Compared with 4.5% in 20 years, the mortgage interest rate in 90 years is indeed ridiculously high. The mortgage interest rate is 8.1%, which is more than twice as high.

But although the interest rate is twice as high, it is insignificant if it is placed on a house with an average of 1800.

Despite Chen Liren's fierce opposition, Jia Yapeng asked the leader again unswervingly.

"Leader, if I borrow hundreds of houses at the same time, will the bank approve it? If not, it's OK!" Jia Yapeng's meaning is very obvious. If the bank is willing to approve the house loan, he plans to buy 500 sets. If the bank does not approve, it will only buy within its ability.

"This... I want to ask!" Huaxia began to implement the housing loan policy as early as 88. The housing loan itself must be no problem, but the problem is that Jia Yapeng is going to apply for 500 housing loans at one go, which is uncertain!

So the leader called a friend in the bank and said it. As a result, the president of the bank patted his thigh on the spot and said, "approve, why don't I approve, you wait for me, you let the boss wait for me, take someone over now and settle the situation on the spot!"

The president did come quite quickly. In half an hour, he came with four or five people and began to handle the mortgage business for Jia Yapeng on the spot.

There was no purchase restriction in the 1990s, and banks had great pressure on housing loans, because loans were the most profitable.

The task and pressure of the state are very heavy, and there are indicators among branches. If the indicators are not completed, there will be no performance. Without performance, we can only stand aside.

So when I heard that someone was going to apply for a mortgage for 500 suites, involving an amount of up to 54 million, the president of the bank took someone to kill him on the spot.

If it is other loans, the president will not be so urgent, but rather reluctant. He must send someone to carefully investigate the whole situation. Besides, what if the other party is malicious loan fraud?

Or if the other party has no repayment ability, it's no use going to jail at that time.

If there are bad debts and bad debts, it will not fall on yourself!

But the mortgage is different, because the mortgage first needs to pay 50% of the down payment. Secondly, the house will be bet on the bank. If the other party is really unable to repay the loan, the house will belong to the bank!

In fact, now everyone knows that if the house is put there, it will certainly appreciate in a few years. Therefore, for the bank, it can get a house worth 90 million for only 54 million. This is definitely a win-win business. He even wants you to default and have no money to repay the loan. In this way, the house will fall into the hands of the bank and earn more!

So when the president heard that someone was going to make a mortgage for 500 houses, there was no reason to be impatient. On the spot, he planned to use the fastest speed to directly handle all the loan procedures in front of Jia Yapeng, so that Jia Yapeng could not make a loan.

"Mr. Jia, I'd like to confirm with you that you are going to handle loan business for 500 houses, right?" the president asked cautiously with some expectation.

"Not bad!" Jia Yapeng nodded.

"OK, the total price of 500 houses is 54 million yuan. According to the national regulations that the down payment of housing loans shall not be less than 50%, are you sure you have 27 million yuan to pay for the recovery of housing loans?" the president said cautiously, "as long as you have this cash and your enterprise's monthly flow exceeds 1 million yuan, we can help you handle this business!"

"As long as 27 million yuan is enough!" Jia Yapeng's eyes lit up. He thought he was going to hit all his 40 million yuan. Unexpectedly, there were 13 million left. Jia Yapeng planned to agree on the spot.

But when Jia Yapeng was about to speak, his heart suddenly moved again.

No, if you don't spend this 13 million, there's nowhere to use in a short time. You can't generate interest on a few money in the bank, but you suffer a loss. If you use this 13 million to pay the down payment, you can directly pay the down payment for 740 houses in the later stage!

Wait, there seems to be something wrong with this!