"Twenty sets, kids, you're not kidding, are you? This is a total price of twenty or thirty million, can you call the shots?" Mo Mo's words shocked the sales manager Tao Yuming again, he thought it was only a few sets, and it was estimated that ten sets were blown.

But Tao Yuming looked at the faces of several people in front of him, he really didn't look like a rich man, but people can't look good, he has seen a lot, and then looked at the three adults all nodded in unison, it seems that this little ghost is really capable of calling the shots.

"If it's five suites, pay in full, and then the next point. More than ten sets, one point less. Tao Yuming pondered.

"Manager, only two points discount, calculated the full amount of the discount of nine points, we have seen dozens of real estate, better than your real estate can be a lot, the price is more favorable, but we have not disclosed to buy so much.

I believe that if they knew that we would buy dozens of houses, we would sell them at the cost price, and now in the financial crisis, if the economy has been in a downturn for nearly ten years like Xiao RIBEN, your real estate can't be sold, and your boss has no money to repay the loan, so he will pull you to jump if he wants to jump off the building. Mo Mo's tone of voice was immature, coupled with some strange voices, and he fired the artillery indiscriminately, which made several people around him laugh.

When Tao Yuming heard this, his forehead sweated, and then he smiled, and he didn't blame this little ghost for cursing him, but admired his sharp teeth.

Next, the two sides bargained for half an hour, and finally came to an end. The house price has been reduced from an average price of 13,000 to an average price of 11,050, two sets are 30% down payment, and the others have to be paid in full.

Although it is the same building, the floor is different, and of course the room rate is different. Mo Mo and the others have seen the house and directly picked the floor.

The two sets of down payment units have a large area, both of which are 130 square meters, with three bedrooms, two living rooms and two bathrooms, one is inexplicable, and the other is under Mo Yao's name, calculated down, each suite requires a down payment plus deed tax and other expenses of about 500,000 yuan, and the commercial loan is repaid for 30 years, and the monthly repayment is nearly 5,000 yuan.

This can make Mo Hua and his son panic, their family really can't pay back the monthly repayment of 5,000 yuan, fortunately, the house has been renovated, and they can rent out the house directly, and they should have a monthly rental income of two or three thousand yuan per month, so there is a lot less repayment pressure.

The suites paid by Mo Mo's family are basically small apartments, with an area of between 90 and 110 square meters, with a total area of 1,800 square meters, a total of 18 houses, and 20.7 million yuan needs to be paid, which does not include the deed tax fees for the first house and 18 houses.

If Mo Mo pays the house payment and taxes, it is estimated that he will only have 1.2 million left in his card by then.

An hour later, the two parties signed the purchase contract, and Mo Mo paid the deposit to the designated escrow account. As for the down payment house, the manager patted his chest and said that he could get a good loan, and there was no problem with the maximum down payment loan, so that everyone didn't have to worry about anything.

With the help of the manager, coupled with the fact that there is no purchase restriction policy, Mo Mo's application for buying a house quickly passed the online sign, otherwise it would not be possible to get the online signature in less than ten days, and then it was necessary to pay various real estate taxes, pay the house payment, and finally transfer the real estate certificate and real estate certificate.

After completing all the formalities and getting the certificate, it only took two days, which can be described as fast, Mo Mo really doesn't believe in this efficiency, if you follow the normal procedures, just the property right certificates, certificates, check the current status of the premises, measure and calculate the area, and master all the live information of the house.

Of course, for two down payment houses, the loan takes a long time, and it will take some time for the property title certificate to come down.

"Children, since you are speculating in real estate, you can take these houses for loans and buy them again. Tao Yuming has been familiar with these people in the past two days, and he already knows that it is Mo Mo who has the idea, and he said in a flicker.

Tao Yuming also knew that the money to buy a house was earned by a little boy, and buying a house was his decision, and the two elders were dominated by him, which really surprised him and admired him 10,000. Now even children are making money to buy a house, and one purchase is still twenty sets, which is the best of their performance in the last three months.

"Can you do it, what do you need?" Mo Mo asked in surprise.

"Of course you can, but you have to take our plate, forget the rest, it's refreshing enough. Tao Yuming said categorically.

Mo Mo knows that the house bought in full can also be mortgaged for a house loan, but he is afraid that the loan procedures are not so easy to do, if he can get a loan, according to the manager, after the loan is down, it is estimated that he can buy more than ten more suites.

The mortgage was decided by Mo Mo temporarily, and his family did not agree at first, feeling that the risk was too great, but he couldn't resist Mo Mo's decision, the money was earned by him, and he couldn't pay it back in the end, at most he sold a few houses to cash out and repay the loan.

Tao Yuming also wished that they would take out another mortgage, and promised to help them go through the bank loan procedures, but the mortgage loan would get up to 70% of the mortgage valuation, and the processing time was a bit long.

In that case, Mo Yao will not be able to go home in a short time, and he needs to stay in the capital for a while, after all, he needs to sign and transfer. Mo Mo was worried that his father would make a mistake and had to accompany him in the imperial capital.

The next day, the inexplicable father and son and Mo Wanqing flew home, and Mo Mo and his father stayed in the imperial capital temporarily.

Three days later, Tao Yuming informed Mo Mo and his son, saying that they had communicated with the bank and came to go through the procedures.

Mo Mo didn't expect to move quickly, and he didn't know if he used money to do it, if it was their father and son, it was still a question whether they could do it. Even if it can be done, under normal circumstances, it will take at least two months to actually get the bank loan.

On September 1, Mo Mo and his son completed the bank loan procedures, and the loan arrived quickly, and they continued to buy the house according to the agreement.

The interest rate of the bank loan is 7.20% per annum, the contract is 10 years, and the maximum repayment period is one year.

18 houses, with a mortgage of 14 million, Mo Mo plans to buy 12 houses.

This year, the interest rate for the first home is 4.5%, no collateral is required, there is a regular source of income and a valid income certificate, you can apply for a housing loan.

Now Mo Mo's loan is a credit loan, the amount is tens of millions, and the house is needed as collateral, and it is very lucky to be able to get the loan.

Nowadays, private mortgages, the general monthly interest is 2 to 3 cents, and the annual interest is about 30%, this kind of usury is not a pit, many real estate companies can not find a bank loan, they go to usury, this kind of usury is relatively low.

If it is the kind of naked loan in the later generations, or the usury with rolling interest, it is purely a deception.

As a result, there are a total of 31 houses in Mo Mo's father's name, and all of them are in one community.

Mo Yao said worriedly: "Son, this loan is tens of millions, and we have to pay interest of one million a year, and we don't have so much money to repay." ”

"Dad, it's okay, house prices will definitely rise, only 7.2% annual interest, house prices have increased by more than 10% every year in recent years, we are using the bank to make money, not spending in vain. I'll figure out how to deal with the interest, don't worry. ”

Mo Yao sighed and said, "Hey, I hope it will rise, if we lose money in the end, don't blame us." In fact, he himself is a little excited, 31 suites, or in the imperial capital, but it is much more than looking at the money.

If he can still take out a loan, Mo Mo will definitely want to take out another loan and continue to buy. Eighteen real estate certificates are pressed in the bank, and there are twelve real estate certificates that have not been mortgaged, and the manager said that he also wants to help him with a loan, but the bank does not dare to lend to them for the time being.

First, by the end of the year, the bank loan task was basically completed, and if it was the beginning of the year, it would be good to take out a loan; second, they felt that the risk of their father and son playing was too high, after all, the financial crisis had not yet passed.

The manager thought about it for himself, and the loan of tens of millions was too much pressure for him, and he didn't have the confidence and courage to bet that the house price would rise in the next two years. If the house price continues to fall, the house will not be able to be sold, and it will be troublesome if there is no money to pay it during the interest payment period.

Mo Mo knows that there is a policy of 4 trillion yuan to leverage domestic demand, but looking at the news, the policy has not come down yet, otherwise, it would be no problem to take out the twelve houses for loans.

I don't know when the country will announce the policy, so it shouldn't be far off.

In the next two days, the two completed all the formalities for the twelve houses and obtained the two real estate certificates.

The father and son planned to go home on the afternoon of the 4th, and on the night of the 3rd before going home, Mo Mo thought of the other world once.

Before going over, of course, I didn't forget to bring the earth cargo over.