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"Section Chief Li will get me a locker, and for other things, your head office may be able to connect the information to come over, give you a wind first, try to keep a wind for me, and don't reveal it." By the way, after a while, my flow of water in and out may be very large. Well, I heard that as a cosmos, ICBC is going to be the first to launch a housing loan policy in this county? I don't know if there are any policy requirements......?"

said so much earlier, in fact, the last sentence is what He Zilong wants to ask the most.

"Zilong wants to buy a house with a down payment loan? I'll show you our mortgage documents, and I'll give you a detailed explanation, it's like this......" Section Chief Li's eyes lit up suddenly, and he took out a stack of documents from the cabinet, and explained them to He Zilong word by word.

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If you don't care about the profits, it is a long-term job, and you can't rush it.

If it is speculation, in addition to the 92-year warrant, the subsequent warrant is a thankless task. The short period of the bull market, the accompanying bear market, is the mainstream, and it is not a long-term solution.

Although he may be able to make more money than an ordinary business for ten years, it is impossible for He Zilong to make a wave of money and pretend to be dead for N years, or even ten years.

Plus he's still young, he still has to go to school, and he may have to go to college in the future. What can be done without brainpower and make money quickly, thinking about it, He Zilong found that it is still the most cost-effective to buy a house and buy land.

Think about Li Jiacheng in Xiangjiang, and Wang Jianlin, the richest man later, what do they do?

After asking about the purchase restriction policy for buying houses in Chalin County, He Zilong was really happy for a while. But this joy lasted not long, and after walking out of the bank, he looked helpless.

The reason is simple, because in 1992 in Chalin County, there were no big developers developing real estate. You must know that in the era when layoffs did not start in full swing, most of the people lived in factories or suburbs. Their housing attributes have not yet awakened, and they are not too disgusted with so many people living in such a large space, which is different from the future.

That said, now is not the best time to invest in property in Chalin County. The cheap school district building that He Zilong bought before was purely cheap.

"Maybe it's a good choice to invest in a façade house in the county center. It is really difficult to say how many times the loan can be approved for ordinary private buildings. Even if I'm a private premium user of a diamond credit card......" He Zilong looked up at the sun in the sky and muttered to himself.

If it is not a new building that will be rebuilt later, the general residential house in the 90s will be due to design problems, material problems, and age problems. Many banks do not approve loans in the later stage, let alone want to borrow for 20-30 years!

However, with the exception of frontage houses in downtown areas, banks like to do the icing on the cake. It is clearest to calculate how much something is worth and how much it will increase in value in the future.

Looking at the entire Chalin County, in addition to the school district houses with good locations, the most value-preserving and value-added ones are only the prosperous shops in the county center.

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"Forget it, wait for the opportunity slowly, Wangpu generally will not be sold casually, and the bid is not in line with the investment philosophy. It's really not good, just wait and let it be. Or if you have time to look in the city, once you find it, use the bank loan, and try not to trade in full, unless it is the time to pick up a bargain like before. Seriously, buying a house in full is really a fool's job......"

After thinking about it, tomorrow is the day of the start of high school, He Zilong let go of his thoughts and began to go to the direction of the real estate bureau first. The chemical factory is uninhabitable, go and ask the aunt of the real estate bureau, if the house is not up to par, you can only rent other places first.

The countless blood and tears of later generations are explaining a truth to He Zilong.

In China, although you set a mortgage term for different periods when you buy a house, it may be 20, 25 or 30 years, the real mortgage period you are really stressed on is only 10 years.

Whoever buys a house in full is definitely a fool. Except, of course, in exceptional circumstances!

Those who try to extend the mortgage period as long as possible are smart, but unfortunately, many people choose to repay early, and they are frightened by the ostensible overpayment of "interest expenses".

In other words, if you buy a house and make a mortgage for 30 years, make a monthly repayment of $10,000. If the growth rate of M2 exceeds the GDP growth rate by an average of 10 percentage points per year, then after 10 years, your actual monthly repayment amount is only equivalent to one-third of the mortgage time, that is, 3,500 yuan per month.

This is only the impact of the "inflation factor caused by the over-issuance of money" on the house, if you choose to buy a house in a city with a high administrative level, population growth, and the ability to pool funds, your house price will rise faster than inflation, and so will the rent. At that point, your gains will be very substantial.

According to the calculation that the growth rate of M2 (the speed of issuing money) is 7 percentage points faster than the GDP growth rate (the speed of wealth creation) every year, the purchasing power of 100 yuan will depreciate to 48 yuan, 23.4 yuan, and 11 yuan respectively after 10, 20, and 30 years.

In other words, if you choose the equal principal and interest repayment method, after 10 years of mortgage, your actual financial burden is reduced by half, and after 20 years of mortgage, your actual financial burden is only a quarter of the original one. In the final year of your 30-year mortgage term, you'll have only one-ninth of your initial burden.

The saying that "buy a house and be a house slave for the rest of your life" is a complete alarmist lie.

People who oppose buying a house to "poetry and distance" are basically grandstanders. Think about what Haizi said, the premise of "facing the sea and spring flowers" is: I have a house!

And this house, in fact, only costs you for the first 10 years. That's the benefit of Chinese-style inflation, he's a buyer's honey and a nightmare for non-buyers.

Especially in the 90s, when real estate was just developing, the next few years will be the starting point for buyers to become winners in life!

Whoever can own more houses, or plots, and foundations at this point in time, will become a cornucopia in the future!

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