Fu Zhengyi, who looked up at the transparent curved dome above the master bedroom on the west side, thought that such a design must have come from the handiwork of a European designer. Chapters are updated the fastest

If you live here, you can see the starry sky in bed at night, and you will definitely have the relaxation and comfort of being under the sky without worrying about interference.

Seeing that after his frank introduction, Fu Zhengyi, who was holding his chin with one hand, pondered for a long time, and gradually revealed a strange smile in his expression.

Liu Meijia, who carefully inspected the finely decorated room on the east side, walked over, and saw Fu Zhengyi looking up at the curved dome, thinking that just now she had imagined the beauty of lying down at night, if this kid was with him, it would not only be embarrassing but also embarrassing, so he tiptoed closer to observe his expression, and saw a strange smile on his face, and his heart was as surprised and shy as if there was a deer crashing.

Out of the corner of his eye, he noticed Liu Meijia's approach, and saw that her originally normal face had become flushed in vain, and after a little thought, he raised his eyebrows at the dome, and saw that Liu Meijia was even more ashamed, and he understood the reason.

Ms. Hu, the head of the sales department, who was struggling with what she could do to remedy it, thought in vain of the promotional method mentioned by the Hong Kong representative before, so she immediately asked out loud. "Sir, do you know a mortgage as a way to buy a house?"

Fu Zhengyi, who turned his face, was a little strange, but the housing mortgage loan could not be processed until 99 years, could it be said that the magic capital appeared now?

Seeing that Fu Zhengyi seemed to be interested, Ms. Hu, the director of the sales department, hurriedly introduced. "Because the company has a Hong Kong background, if the number of units purchased is large enough, then it can also rely on the background of its Hong Kong parent company. If you mortgage the purchased house to Hong Kong Express Bank for a loan, the interest rate can refer to the standard of Hong Kong Express Bank, and if the loan term is long, you can also go with the market. Quite a good deal with the appropriate adjustments every year......"

As soon as Fu Zhengyi heard this, he became interested. Although he does not know the specific figure of Hong Kong's interest rate, at present, Hong Kong's inflation rate is much lower than that of the mainland, and its loan interest rate will not be much higher than that of the mainland's loan interest rate, let alone the risk of discounting interest rates or raising interest rates in vain.

Therefore, Fu Zhengyi thought about it and asked. "Is it possible to settle according to the foreign exchange rate?"

Seeing that Fu Zhengyi was interested, although Ms. Hu, the director of the sales department, did not quite understand what the other party meant, but there was a Hong Kong representative in the company who was proficient in this area, so she immediately asked people to call Li Gangsheng, the chief financial officer, and asked him to come over for a detailed discussion.

Half an hour later. After looking at the condition of the house on the two floors below, Fu Zhengyi saw a little old man with a briefcase and gold-rimmed glasses walking in.

Li Gangsheng, who can understand Mandarin but can only speak standard vernacular, has a sense of superiority of Hong Kong people, and at the beginning he only listened to the introduction of Ms. Hu, the director of the sales department, and was reluctant to speak at all, but with Fu Zhengyi's series of questions to the point, this little old man was in awe of Fu Zhengyi. even opened his mouth in very lame Mandarin.

"Fu Shengna, Amex Bank is a large international bank established by American Express in Hong Kong for a long time, and Mingda Real Estate is the main customer of Amex Bank. If you want to take out a mortgage on a home purchase, Mingda Real Estate itself will not charge you too high a fee......"

It was very uncomfortable to listen to this little old man's broken Mandarin, and it was not that he couldn't speak the vernacular, so when he saw that the little old man still wanted to fool, he spoke directly in the vernacular. "Li Sheng, if I use the Hong Kong dollar settlement method, Mingda Real Estate does not even need to bear the risk of foreign exchange, how can there be a need to charge a handling fee?"

"Oh, you can even speak in the vernacular, so it will be much easier for us to communicate. You see, if the settlement is in Hong Kong dollars, Mingda Real Estate needs to bear the risk of exchange changes. The charging of handling fees may not seem reasonable, but it is a necessary measure for Mingda Real Estate to buffer risks......"

Listen to the little old man's arguments. Fu Zhengyi had an idea in his heart, he was not sure if Ms. Hu, the head of the sales department of Hongkou Garden, could understand the vernacular, but he still pulled Li Gangsheng aside before continuing. "Li Sheng, don't go around, you only need to settle according to the foreign exchange rate every time you repay, Mingda Real Estate does not have any risk, I will not bear this handling fee!"

When Li Gangsheng heard this, he was a little dissatisfied, and he realized that the person who was preparing to buy a home in front of him knew a lot about the financial situation, so he complained bitterly. "Fu Shengna, there is no mortgage loan in the mainland at present, that is, Mingda Real Estate is a large company in Hong Kong, so you can carry out such an operation, you can't let Mingda Real Estate have no profits, right? Not to mention that the current loan interest rate of Yuntong Bank is only six points, and the mainland currently adds factors such as interest discounts, the loan interest rate is more than 14 points, and these eight points of loan interest alone, you have already made a lot of money, and you can't care about it like this......

"The mainland's interest discount will not last forever, and inflation has been effectively controlled, so presumably the loan gap between the two places will soon be flattened, so the advantage I have taken is not big, and it cannot be sustained!"

After saying that, seeing that Li Gangsheng shook his head, took out the bank cashier's checks in his bag and handed them to Li Gangsheng's Fu Zhengyi, smiling without saying a word.

It's not that he hasn't seen a huge amount of money, but Li Gangsheng, who saw so many bank cashier's checks at one time, was still shocked, and after taking out the magnifying glass in the briefcase, he carefully checked the 50 million bank cashier's check, and after a while, he respectfully handed back all the cashier's checks, and asked very solemnly. "Fu Sheng, how many suites are you going to buy?"

Before Li Gangsheng said that the guarantee ratio recognized by the Hong Kong Express Bank is only 30%, and he will not believe that such a proportion will be paid justice, so he directly said that if the loan amount can be increased by 10%, the amount of his purchase can be increased by 10 million!

Li Gangsheng, who immediately took out the calculation, crackled and pressed it on the calculator, the hesitation between his expressions became more and more obvious, and after a while, he put away the calculator and said that he would report to the top.

More than ten minutes later, Li Gangsheng, who came back, was full of smiles, claiming that if the total price of the house purchased by Fu Zheng could exceed 150 million Hong Kong dollars, Hong Kong Mingda Real Estate could apply to Amex Bank to reduce the down payment ratio!

Fu Zhengyi, who heard that there was a door, was happy in his heart, but on the surface, he shook his head and asked Li Gangsheng to hand over the calculator and crackle on it himself, and then he spoke. "If the down payment is reduced to 30%, I can take out 50 million yuan to buy a house, but the mortgage interest rate needs to be implemented according to the benchmark of Hong Kong Express Bank, which will be adjusted at most once a year, and the monthly repayment must be settled according to the foreign exchange rate!"

As the chief financial officer of the Hong Kong side stationed here, Li Gangsheng immediately complained of bitterness. "Fu Sheng, it's too ruthless for you to cut it down like this, Mingda Real Estate will lose all your money......"

Although he is not particularly good at observing words and looking at justice, since he knows that Hongkou Garden occupies a large amount of money from Hong Kong Mingda Real Estate, he will naturally not be polite at this time.

What's more, Mingda Real Estate may not lose money, the land of Hongkou Garden was won two years ago, and he can imagine what kind of interest exchange there is in the middle, so naturally he will not approve of Li Gangsheng's rhetoric, and when he said that his mouth was dry, he raised a finger.

"I can increase it by another 10 million to bring the total amount of the purchase price to 60 million! And I can take a step back and bear no more than 40% of the guarantee ratio! The repayment must be paid quarterly, and the loan term must be 30 years! If we can do it, we can sign a letter of intent today, otherwise I will leave immediately!"

When the two communicated, they were standing on the westernmost side of the room, but Fu Zhengyi's last words made Ms. Hu, the anxious director of the sales department, almost faint with excitement.

Liu Meijia, who saw seven or eight well-decorated houses, was also stunned at this time, she knew that Fu Zhengyi wanted to buy a house, but she never expected that he would take out 60 million to buy a house!

Fang Dagang, who knew that Fu Zhengyi had made a lot of money but didn't know exactly how much he had earned, was also stunned when he heard the 60 million, he couldn't imagine how Fu Zhengyi had earned such money after the end of the year.

Only Xiong Jianjun, who didn't feel any numbers, was as stupid as before, waiting to eat with a stomach in his hand.

After saying his conditions, seeing that Li Gangsheng was entangled and hesitant, Fu Zhengyi was not in a hurry, beckoned to Liu Meijia and motioned for her to come over, dragged her to the master bedroom with a dome, and muttered a few words in his ear, and Liu Meijia was red and ashamed, so he smiled and walked towards the door with Liu Meijia.

Although he has always seemed hesitant and entangled, Li Gangsheng, who has been authorized by Mingda Real Estate, has long had psychological expectations and the bottom line of the transaction, so although he felt that the profits earned by the company were a little less, it could be seen that Fu Zhengyi was ready to leave with an uncaring appearance, so he hurriedly rushed over, with a painful and ruthless appearance, and gritted his teeth. "Fu Sheng, you are really amazing! If the conditions do not change again, even if I myself become a sinner of Mingda Real Estate, I will definitely help you get this thing done......

"Li Sheng, don't say anything, presumably as long as this deal can be reached, the thickness of the red envelope given to you by Mingda Real Estate at the end of the year will definitely exceed your imagination......"

Li Gangsheng, who smiled wryly and said that it was impossible, still knew the etiquette in the mainland, and seeing that the matter was roughly finalized, and the time had passed twelve o'clock, he hurriedly invited Fu Zhengyi and others to dine together...... (To be continued.) )

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