In Baiyu Mansion, formal scholars who buy houses and apply for housing loans can not only enjoy the preferential treatment of reducing the down payment, but also enjoy the preferential treatment of increasing the loan time.

The staff calculated it and said to Liu Hai: "Liu Xue, according to your actual situation, I calculated that your total house payment is 62.4 million gold coins, more than 50 million gold coins, and the down payment of ordinary people is 20% of the total house payment, which is 12.48 million gold coins, as a formal scholar, according to the regulations of our gold bank, you can enjoy the discount of 80% of the down payment on this basis, that is, 9.984 million gold coins, then your total loan amount is 52.416 million gold coins." ”

While explaining to Liu Hai, the female staff filled in the data on the application form, and then continued to ask: "According to the regulations of our gold bank, the general loan period is divided into five years, ten years and twenty years, and formal scholars can extend the loan period to thirty years, Liu Xue, which one do you choose?"

Liu Hai thought for a moment and asked, "Can I repay the loan early in the future?"

"Yes, you can repay the loan early at any time after one year. ”

Liu Hai no longer hesitated, and said directly: "Then choose thirty years." ”

"Okay, Liu Xue, wait a minute, I'll calculate the amount of repayment for you every month in the future. The staff took out a calculation table, quickly calculated it, and then said: "Liu Xue, calculate, if the loan comes down, starting from the second month, the amount you need to repay each month is 159,000 gold coins, and the duration is 360 months." ”

Liu Hai nodded, the total interest for thirty years was only 4.824 million gold coins, which was not high.

All the application forms were filled out, and the academic credential certificate was copied, Liu Hai opened a deposit card of Yangzhou Gold Bank, transferred 10 million gold coins to it, and immediately submitted half of the down payment to Yangzhou Bank through this deposit card as a deposit for the mortgage application.

After all the application procedures were completed, Gu Ning, who came out of Yangzhou Jinxing and finally recovered from his stunned state, finally spoke: "Liu Xue really didn't expect that you would have such a great achievement at a young age. ”

As the academic center of Yangzhou, Bai Yucheng is the place with the most scholars in the entire Yangzhou, Gu Ning has also seen a lot of scholars in his work, but a young scholar like Liu Hai, he has only heard of it before, and he has never seen it.

"Actually, it's nothing, I'm just lucky to be one step ahead of my peers on the academic road. Liu Hai smiled and coped, then changed the topic and said: "By the way, after the transfer of the property, I want to push the old house to rebuild, I don't know what procedures are required here?"

Gu Ning was not surprised that Liu Hai wanted to tear down and rebuild, half of the people in this kind of property would be pushed to rebuild after buying it, he had seen a lot, and he knew a lot about the things inside, so he didn't want to, and said: " Liu Xue, the use of the land itself is private residential land, so you don't need to go through any procedures if you want to push it to the reconstruction, as long as you go to the Urban Construction Bureau to do the reconstruction registration before the reconstruction, and after the reconstruction, do another reconstruction to complete the registration, it's good, of course, when rebuilding, it must comply with the Baiyucheng urban management regulations, for example, the height of the rebuilt private residence can not exceed 50 meters, and the construction time can only be daytime and so on. ”

Gu Ning's introduction was very detailed, and it was obvious that the business was very proficient.

After listening to this, Liu Hai expressed his gratitude and said: "Xiao Gu, since you are so familiar with this aspect, you should be familiar with many builder groups or construction teams, right?

Of course, Gu Ning has resources in this regard, he has several builder groups in his hands to introduce business, and every time he introduces an order, there is a commission to take, so he immediately said: "I know that there is a company called Qinggong Shenniao Builder Group is very good, and I have several customers who have asked them to do renovations, and the results are very good, do you need me to introduce them to you?"

"Okay, when the property is closed, I'll trouble you. ”

It takes seven working days for the mortgage application to be reviewed, and the bangs stay in the hotel to study and practice in the middle, of course, after the completion of the study and cultivation tasks, they will also go around in Baiyucheng, Baiyucheng, as an ancient city with a history of thousands of years, has a lot of historical monuments, if you go to visit them one by one, you can't finish it for three months, Liuhai doesn't have so much time to waste, so he only found a few of the most famous monuments to visit, and the rest of his free time is spent looking for food.

As an old glutton, Liu Hai has tasted all kinds of food during this time, Baiyu Mansion as the state capital, and the food from all over Yangzhou can basically be found in Baiyucheng.

In addition to learning to cultivate and find food, Liu Hai also spent some time designing a courtyard house.

He combined the garden style of the Ming and Qing dynasties of the previous century and the Yangzhou architectural style of this life, and designed a three-story courtyard house.

Bangs just drew a detailed drawing of the appearance to determine the overall style, as well as list some details that are in line with your living habits.

Seven working days later, the mortgage was approved, and Liu Hai, Li Huiqiong, and Gu Ning came to Yangzhou Gold Bank again, Liu Hai submitted the remaining down payment and taxes, and Li Huiqiong also obtained the after-tax sales money from the gold bank.

After that, the three of them went to the fixed assets management department again to handle the change of property rights, and the civil servants of the management department reviewed the materials submitted by the three people, and inquired about the handling files that had already been transferred by Yangzhou Gold Bank, and issued a new property right certificate on the spot.

At this point, the property covering an area of 416 square meters officially belongs to Liuhai.

After coming out of the Fixed Asset Management Department, the three returned to the intermediary office, and Liu Hai and Li Huiqiong paid the service fee to the intermediary respectively. After everything was over, Li Huiqiong proposed to invite Liu Hai to the tavern for a drink, Liu Hai also wanted to taste Qingwei wine again, but he also wanted to go to the Qinggong Shenniao Builders Group with Gu Ning, so he thanked Li Huiqiong for his kindness.

It's still Gu Ning driving, just completed a big order, at least tens of thousands of gold coins can be paid Gu Ning is in a very good mood, and on the way to it, he kept introducing the situation of the Qinggong Shenniao Builder Group.

Sitting in the co-pilot, Liu Hai listened while calculating the funds he could use.

Originally, he had 11.6 million gold coins in cash, and the down payment plus taxes for this home purchase cost a total of 10.034 million gold coins, and the service fee of 31,200 gold coins handed over to the intermediary office, a total of 10.0652 million gold coins, in addition to some other expenses after he arrived in Baiyucheng, now he has about 1.52 million in cash, and he began to repay the mortgage in October, and the mortgage for three months in October, November, and December should be pre-deposited, that is, 480,000, then there is still 1.04 million left, so the funds that can be spent on the renovation of the house are only 1 million.

However, by the end of December, it was time for his two shareholding properties in Xinbao Township to pay dividends.

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