Chapter 164: Turn on the hoarding mode

It is an indisputable fact that even Confucius and Meng Fuzi have said, 'Eating sexing.' "I haven't seen a good person who is as virtuous as a good se!'", liking women SE is a fact that most men can't deny.

Arthur is not making excuses to wash the floor of his flowers, it can be said that all normal men in the world are carved out of a mold, and they are all big turnips.

Because conquest Y is engraved in men's genes, they like to conquer, and conquest is also reflected in the conquest of women, what they can't get is always in SAO, they take conquest as happiness, and there is always more interest in new things.

In this materialistic world full of beautiful things, motivation is normal for a man.

To be honest, Arthur never thought about stabilizing his relationship and marriage early since he accepted everything after the crossing, because he firmly believed in his heart that he would succeed by 'his own efforts', and the world was so wonderful, he naturally had to treat it wonderfully.

"There's still a long way to go, and we're all just on the road。。。。。。 ”

Before going to bed, Arthur sent another text message to Amilia, and after receiving a 'good night' reply, Arthur lay on his back, sighed softly, and muttered to himself.

No matter how many worries there are, life must go on, because instead of spending time complaining about worries and frustrations, it is better to think about how you can better live today and meet tomorrow.

The next morning, after having breakfast, Arthur drove to the investment company in the financial city, and in his clean, simple and elegant office, he met five real estate investment talents recruited by Smith Jama.

After listening to the self-introduction of these five professionals and their outlook for the future of the company, Arthur felt that his original shell tax shelter company could really operate.

Originally, Arthur wanted to use 20 million pounds to buy some apartments and a few duplex villas, rent them out, and wait for appreciation before selling, all because he understood the future rise in house prices in London as a backing, as a conservative and stable part of his investment project.

However, when his five new subordinates learned the amount of funds and his true thoughts, they discussed with him on the spot, and finally unified their opinions, and proposed a new investment plan to him, directly overturning his own conservative investment ideas.

"Boss, according to the latest figures, the rental prices of houses in Greater London are already ridiculously expensive, up 32 per cent compared to October 2008 prices.

According to the composite index of UK rental agents, rental prices have risen by 6% this year to an average of Β£940 per month, which is twice the rate of inflation.

We believe that the boss can use 20 million pounds to leverage a 100-unit apartment plan, which will be managed by the company and rented out, and will be centrally selected in Kensington, Chelsea, Haig, Brompton and Harrow, the five areas with the greatest appreciation potential.

With your net worth and credit rating, you can easily get a bank loan, although in the name of the company, the interest rate of the loan is higher than the interest rate of the personal loan, but for you, it is the most suitable, because you can reasonably avoid taxes, as long as you can reserve a part of the safe funds to ensure that in case of the risk of loan repayment. ”

Of the five, Oliver, who is now the interim manager of the company, introduces Arthur.

"Invest in the name of the company?" Arthur asked with a slight frown, and immediately received a detailed explanation from another subordinate.

"Yes, for now, buying investment property in the name of a company is still a niche behavior. One is that for most people, there is no such need to buy a home. The second reason is that compared with the purchase of investment property with a personal loan, the interest rate of borrowing money to purchase real estate in the name of a company is higher.

Although corporate lending may not be suitable for everyone, it is a very good choice if you can properly manage the loan method, property ownership, corporate structure, shareholders' equity, etc., from a tax perspective alone, not only for the investors themselves, but also for future generations.

This is because in the case of buying an investment property in the name of an individual, the rental income of the property will be added to your other income in the UK and will be taxed on the basis of your gross personal income, and if the personal income is in the "higher tax bracket" or above, the tax rate is between 40% and 45%. If the property is held in the name of the company, the rental income is included in the company's income, and the company's tax amount is 19% of the net profit.

Then there is the fact that the UK's ridiculously high inheritance tax can be circumvented。。。。。。 ”

"So many advantages and disadvantages?" Arthur would not have thought that such a good way of investing would be so niche if there were no disadvantages.

"The limited variety, the high price, and the low amount of borrowing are the biggest drawbacks of the company's loans. And even if you are lending in the name of a company, the lender will still consider the personal background behind the transaction when assessing the risk of the loan, so your personal guarantee is the most important point.

The lender will also review your personal financial situation. Therefore, in many ways, this type of loan can still be understood as a personal loan, and the difference is only in name. ”

After listening to the explanation, Arthur nodded suddenly, in the end, it still depends on his own wealth and strength, and if he wants to take advantage of the bank, it is really not so simple.

"Good proposal, you can improve this plan, let's go, let's go and see the properties you talked about first. Arthur got up from the boss's chair and straightened his clothes, and the other five hurriedly followed, standing aside and waiting.

Half an hour later, a group of four cars drove into the palace-style single-family villa in the Harrow district, Bentley Manor.

Arthur stepped out of the car and looked at the villas in the style of Greek temples, nestled in verdant lawns and gardens, and his eyes lit up.

"Boss, the whole project is located in a high-end SI dense community with 50 hectares of large green space, where the famous school district house and the world-famous Harrow School are located, 35 minutes to the city center, as well as horse riding ground, tennis court and other supporting facilities. β€œ

Oliver, who is the interim manager of the real estate investment company, stood next to Arthur and began to introduce the 5-bedroom single-family villa from 2.15 million pounds for 300 square meters, the two-bedroom garden house from 860,000 pounds for 110 square meters, and the four-bedroom garden house for 300 square meters from 2.05 million pounds.

Room 4 covers an area of 1,431 square meters, with a view of the official residence of the Lord of London from the bedroom on the top floor, and room 5 covers an area of 1,885 square meters, with a garden of about 55 meters long.

The sets next to the 2 bedrooms are more than 100 square meters, and the price is about 780,000 pounds. ”

"Let's go, go in and have a look. "To be honest, Arthur likes this community, the white villas, strolling through it, enjoying the different style.

Oliver informed the seller of the community early in the morning, Arthur and his party, all the way unimpeded, the decoration of the villa is based on simple European style, following the main elements of classical European style, integrated into modern life elements. It's not just luxurious, it's more cozy and romantic. Through the perfect classic line and the details of excellence, it brings people a bright, simple and fresh feeling.

Half an hour later, Arthur also basically understood the situation, standing on the main road of the community, pondering, his subordinates behind him and the manager of the sales department of Bentley Manor were waiting quietly.

Finally, Arthur glanced back at everyone and said with a smile: "Room 4, 5, I want it, room 2-" As he spoke, Arthur raised his hand and pointed to the three villas near room 2, "I want them all!"

"Whew-"

The sales manager of Bentley Manor exhaled in his heart, still unable to hide his excitement and joy, feeling the other party's handwriting, and at the same time, he was also happy about the sales commission he could earn.

Oliver, who was behind Arthur, looked at the somewhat excited sales manager and said with a smile: "Let's go through the deposit procedures." ”

"Okay, I'll arrange someone to deal with it right away, thank you for your patronage. The other party said to Arthur, the big customer, with a smile on his face.