On the way back to the store, Ning Feng has been silently calculating the gains and losses of this transaction. Pen & Fun & Pavilion www.biquge.info

According to the current benchmark interest rate, the monthly repayment of a loan of 1.05 million yuan should be around 6,000 yuan.

This repayment amount is still acceptable. After all, you can immediately have an extra 250,000 cash on hand.

The 250,000 yuan in cash alone is enough to pay off the mortgage for more than three years......

However, Ning Feng didn't plan to delay it that long. Ning Feng was going to wait for the bonuses and performance on the side of Yixian City to come down, and then pay off the house directly. It's only three or four months!

Thinking that he would soon have a house, Ning Feng couldn't help but feel a little fluttery. It is really Chinese people who have a different plot for real estate than all countries.

In ancient times, it was said that a person was poor to the limit, not because his house was surrounded by four walls, but because there was no roof in the house!

There are four walls in the house, and there are still four walls, that is, there is a house! There is no tile in the house, and it is really so poor that you can't afford to buy a brick!

Ning Feng, who was secretly refreshed in his heart, returned to the store briskly, and then directly reported an order to Lao Mo.

Lao Mo was confused: "You went out for a meal and opened an order?"

Ning Feng smiled and told him that he was going to buy this house in Tongda Community.

Lao Mo sighed, the money is Ning Feng's own, how to spend love is his business, he has already said what he should say in the morning, and he can't say anything more now.

Ning Feng saw that Lao Mo looked hesitant, but he was a little embarrassed, and said with relief: "Lao Mo, don't worry! ”

Lao Mo was originally worried that Ning Feng was so young, and he would lose himself with so much money in hand all of a sudden, so he was worried. However, judging from Ning Feng's consistent mature performance, his worries were obviously a little redundant, so he sneered: "How can you spend money indiscriminately that you are comforting me?

"Hahaha......" both laughed at the same time.

That night, Mr. Ge came to the store and successfully signed a contract of intent to buy a house with Ning Feng. At the same time, Ning Feng also took out a prepared agreement between the two parties for him to sign, to the effect that the landlord must be accompanied by him when receiving the final payment, and after receiving the money, it must be remitted to the bank account designated by Ning Feng within 15 minutes.

At the same time, this agreement also stated that if the landlord did not return the money to Ning Feng, Ning Feng could use "everything" means to pursue the money!

This can be regarded as a small warning from Ning Feng to the landlord! With Zhuo Jun, the cousin of the public security system, and Ru Hua, a gang of black-and-white snakes, Ning Feng is not worried that Mr. Ge will run away!

The next day, Ning Feng signed a formal contract with the landlord. Of course, because Ning Feng was not qualified to buy a house, he also made up the personal tax and spent 1,500 yuan.

This is the price that Ning Feng negotiated with the scalpers who paid the individual tax! Because he made up the individual income tax of more than 100 people at one time, this is a super big order!

The cost of scalpers to make up the individual income tax, in addition to a few thousand yuan of registered leather bag company, and each person's annual personal income tax is only a few tens of yuan. More than 100 people, 1,500 yuan each, and more than 150,000 yuan!

When the time comes, the main thing is to cancel this leather bag company, and everything will be OK!

Because the price of the individual tax has come down, the money that Ning Feng made through this aspect has become more than 880,000!

In fact, he is fully capable of buying this house with a lump sum payment! and then take out a mortgage and take out cash, just like Wang Xuesong bought a townhouse on the Gold Coast before!

He considered this method, but finally gave up!

First of all, there is an extra handling fee for the mortgage, he is not in urgent need of funds now, there is no need to mortgage more funds, as long as the funds in his hand are not too small!

On the other hand, the interest on a mortgage is more than twice as high as the interest on a mortgage!

This is obviously not in line with Ning Feng's style!

Ning Feng is extremely generous in some aspects, just like when he faced Chen Xin last night, I was the flamboyant style of a local tyrant! But that was because he was sure that Ru Hua couldn't let him pay for himself and be generous to others! Ning Feng didn't feel embarrassed at all! An idea of his own might help him make hundreds of millions of profits, how could Ru Hua be so careless about such a small amount of money?

But when it is time to be careful in business, you must be careful in your calculations!

Although this method of defrauding loans at a high appraisal price cannot be regarded as an empty glove white wolf in the strict sense!

However, the real estate market is now very standardized and strictly managed! It is impossible to get hundreds of millions of loans from the bank by auctioning a piece of land!

Being able to increase the amount of cash and get the property right of a house is enough in Ning Feng's opinion!

Now the remaining problem is the appraisal and bank loan approval!

The question of the assessment was very simple, Ning Feng took his camera, went to the house to take a photo, and then copied the three real estate certificates and sent them to Chen Miao.

As soon as he heard that Ning Feng was going to buy a house by himself, Chen Miao naturally supported it! Not to mention an appraisal report?

Ning Feng with difficulty refused Chen Miao's invitation to pull him to dinner and drink, and continued to do the next things.

After walking out of the community, he took out his phone and called Ruqi!

"Hey, Brother Ning?" received Ning Feng's call, and Ru Qi was obviously surprised. After getting his suggestion yesterday, they had just started to register a new company today, and there was nothing that needed Ning Feng's ideas for the time being.

"Brother Qi, that's ......" Ning Feng told the matter over the phone.

"I remember that at dinner that day, I said that you were from Dazhong Bank, right? Do you have any familiar friends at the Donghe Branch?" Ning Feng asked.

Ru Qi was silent for a moment, and replied: "I don't know anyone in the Donghe branch, but I can handle this matter, so let's wait for my news tomorrow!"

Ning Feng was waiting for this sentence.

Since he was reborn, he has made up his mind to make himself bigger and stronger!

From Wang Xuesong, Chen Miao, Wang Ruoyun, to the current Ru Hua, Ru Qi...... Even the original Zhang Qi is a network that Ning Feng intends to get acquainted with!

Some of them have brought him direct benefits, and some of them have not yet played a role!

However, as time passed, Ning Feng believed that he had the ability to make these people shine when he needed them!

The next day, Ning Feng received a call from Ru Qi, informing him that the matter was done, and he could just go directly to the Donghe branch of Zhongda Bank to do business.

After receiving Ru Qi's affirmative reply, Ning Feng happily went.

As the largest real estate intermediary company in Qiantang City, Wanjia Company naturally cooperates with the vast majority of banks! Even many times, it is the banks that tie up with the intermediary companies, and when the loan task comes every year, it is when the presidents of these banks visit various intermediary companies!

Zhongda Bank itself is a large bank with very strong credibility, but there are some differences in the specific sub-branches.

Donghe Branch is located on Donghe Road, not far from the headquarters of Wanjia Company. Many years ago, this branch was a small branch like the sales department, and among the various branches of Zhongda Bank in Qiantang City, it was not ranked in terms of scale or influence!

However, since 2008, the new president of Donghe Branch has been extremely bold to start cooperating with Wanjia Company with a 68% discount on the loan interest rate, and the situation has been reversed in an instant!

At that time, the interest rate discounts offered by major banks were 7% off. No matter which bank you choose, it's the same for the customer!

However, the Donghe branch has opened a 68% discount, which makes the customers rush in like crazy! Even if the Donghe branch still requires customers to match a 30,000 yuan financial management or insurance at the same time as the loan, it still can't stop the enthusiastic buyers!

In just one month, Donghe Sub-branch completed a one-year loan task, and by the way, it also completed a one-year financial management task!

A month used up a year's quota, this can not but be said to be a miracle of the Donghe branch! But when the quota is used up, there is no cash to lend, so the president ran to the head office in Qiantang City again, blushing and slapping his neck on the table of the head office, asking for the quota!

This time and again, the Donghe Branch of Zhongda Bank has become what Ning Feng is looking like at this moment!

The spacious hall with six bays, the three-story floor, and the endless stream of intermediary brokers and customers are all showing the prosperity of the Donghe Branch!