Mo Mo knew that he was about to enter the formal topic, but he just half-squinted and continued to eat.

Zheng Kang looked at Mo Yao, smiled talkatively and said, "Boss Mo, our bank has a new loan task, I don't know if there is that intention, borrow again, and the interest is guaranteed to be low." ”

"Uh, this. Mo Yao drank some high liquor, which made him very unaccustomed, his face was ruddy, but he was not drunk, but suddenly he didn't know how to talk, and looked at his son who had just eaten all the lobster, and saw him leaning back on the chair, touching his little stomach comfortably with both hands, as if he was a little overwhelmed, and he really drank half a bottle of red wine, and his little face was flushed, like a small pink apple.

Mo Mo heard it, but when he didn't hear it, he didn't want to speak so quickly.

Zheng Kang looked at Mo Yao with some hesitation, and simply said: "Ten years, with an annual interest rate of 7%, you can take the real estate as a mortgage." ”

"The annual interest rate is really low, and our boss has to get 12% of the business loan. Young Master Mo, don't you still have 142 unmortgaged houses? Tao Yuming looked at Mo Yao and couldn't make up his mind, it seemed that his son was still in charge of the money, so he turned to Mo Mo to remind him.

"The interest is fine, can you borrow more? One or two hundred million is fine?" Mo Mo patted his little belly and said that the annual interest rate of 7% is indeed very low, and he originally wanted to take out a loan, so he hoped to borrow more.

The interest rate is low enough, he doesn't dare to talk about it anymore, in case someone exposes him for taking out a loan to speculate in a house in the future, and finds out the low interest rate, saying that his family cheats the country's money, and his family's reputation is not good.

Zheng Kang said: "This depends on the value of the collateral, the maximum loan amount is 70% of the appraised value of the house, no matter how much we can't explain, in case the head office audits the accounts, it will be troublesome." "Anyway, he wouldn't dare break the 70% rule.

"The asset valuation is your bank's people, just overestimate the property, don't follow the transaction price between me and Manager Tao, even if you check it in the future, the house price has risen, and you can continue to add loans." ”

When Zheng Kang heard this, he smiled, this little guy knows a lot, just promise a loan, and say: "It's not a problem, you just need to pay the interest on time, but I believe you, Xiaomo will come back after gambling a few stone money." ”

Knowing that the house price could be overestimated, Mo Mo was delighted, and then asked: "It's okay to take out repeated loans, right? ”

As soon as he finished speaking, the three of them were really surprised.

Zheng Kang admires that this kid is crazy enough to flip houses, and he doesn't know how he is so sure.

Mo Yao was slightly nervous, but he still believed in his son.

However, Tao Yuming is happy with the shape, so it is estimated that the first phase of Everbright ink painting has been copied by him, and at least half of the houses in the community belong to this little guy's family.

Zheng Kang groaned, smiled and said, "Of course there is no problem, we only recognize the real estate certificate and real estate certificate, one house and one loan." ”

Next, the few people talked about the details of the loan.

Talking about business matters, everyone is happy, before the banquet is over, Mo Mo has not forgotten the unopened bottle of 82-year-old Lafite, Zheng Kang smiled helplessly, feeling that there is nothing, the business negotiation is completed, it will be easier to reimburse at public expense, or pay for it yourself, it will be distressing to death.

After the banquet, the three parties left separately.

When the bank really takes action, the efficiency is very high, not to mention the loans involving hundreds of millions, Zheng Kang personally led people out and used his connections to help Mo Mo Mo Yao and his son go through the procedures, and the procedures were all green light.

Next, Mo Mo's 142 unmortgaged houses, the original transaction price of 145.5 million, was directly valued at 168 million, and the loan was 117.6 million, all of which were used to buy houses and pay deed tax, and the house price fell, according to the average price of 10,000 square meters, Mo Mo bought 120 houses.

After completing the procedures for a new house, I continued to take out a loan.

In the end, a total of nearly 400 million yuan was loaned, and the remaining 380 new houses in the Shuida Ink Community were directly copied, and Mo Mo mortgaged a total of 482 houses this time.

As a result, with the purchase of 380 new units plus the previous 161 houses (a set of 30% down payment), the Mo Mo family has 541 houses, all of which are in Wanliu Guangda Ink Community. Among them, 501 houses have been fully loaned, and 40 have not yet been mortgaged.

But this set of procedures came down for more than a month, and it was mid-January 2009.

During this period, Mo Mo went to the other world several times, all to watch Shi Wu and them train.

What made Mo Mo upset was that Yu Xiao called him several times and said that he wanted to see him very much, but Mo Mo could only helplessly, told her some stories, and said that he would go to Pingzhou when he was free.

There are too many loan procedures, Mo Mo entrusted a lawyer specializing in real estate law to assist in handling the loan, and the loan of 117.6 million yuan also followed the procedures, and the later loans, real estate certificates, and taxes were handed over to his parents and lawyers. In addition, Zheng Kang also helped to get rid of the relationship, otherwise the procedures for hundreds of real estate certificates alone would definitely not be completed in a month.

It's been a crazy month for a few people.

400 million loans, plus the previous 14 million loans, the Mo family has a total loan of 414 million yuan, and the bank interest is 30 million a year.

These 541 houses made Mo Mo's parents both excited and frightened.

Mo Mo looks calm on the surface, but in fact, he is not calm in his heart, thinking of his own houses, in a few years, I really don't know how much the house price will rise, and a sense of accomplishment arises spontaneously, and there is really a trace of pride.

With an interest of 30 million, if you rent out the house completely, there will be no pressure. Fortunately, it is finely decorated, the ventilation time is longer, and you can move in with your bag.

Mo Mo's own shop is openly named "Everbright Ink Rental Department", and Ning Lanxin employs three workers, one of whom is in charge of finances and the other two are in charge of the house.

Mo Mo's parents only supervise the money that arrives every day, and when they are busy, they take tenants to see the house, and usually wander around the community and visit the door. The two of them lived a happy life of "chartered father" and "chartered wife", and they never tired of it.

After Mo Mo paid the house tax, he only had 2 million yuan left in his bank card, and he returned to before the liberation, and he was still in negative equity.

In addition, there are 40 houses that are not mortgaged by the bank, Zheng Kang said that they can't take out any more loans, in fact, there is still a loan amount, but Zheng Kang saw the crazy Mo Mo father and son, he was really scared, and he didn't dare to approve any more loans.

In fact, Zheng Kang has approved nearly one billion loans, but he encountered this kind of crazy speculator, and after calming down for a few days, he panicked.

Mo Mo's speculation was so crazy that the housing authority that handled the real estate certificate procedures did not announce it, and the staff of Everbright Ink Sales Center did not disclose it to the outside world, nor did it attract media attention.

In fact, this is all Tao Yuming's warning to his subordinates not to be exposed, and the Housing Authority has Zheng Kang's relationship to help suppress it, and no media knows about it for the time being, otherwise this crazy thing will definitely shock the whole country, and his house will definitely be blown up.

However, in a city, the transaction volume of houses in a certain community can still be found from the official website of the Ministry of Housing and Urban-Rural Development, and the householder is confidential, but the hundreds of houses in the community were all sold out within a month, which still caused some people to be surprised.

is such a super house speculation, Mo Mo is really afraid of causing trouble. In fact, I am afraid that someone will follow the trend and speculate in real estate, which may cause the premature rise in housing prices in the imperial capital, but I am not afraid of other troubles.

Mo Mo also knows that if the house is to be rented, the tenant must know the head of the household, after all, some people want to see if the house is yours, of course, they have to see the copy of the real estate certificate.

Fortunately, his family's rental department only rents a few empty houses, and rents out one and then hangs one vacant house. The tenant only knows that the head of the household, Mo Yao, has many houses, but he doesn't know how many sets he has, and no one has broken the news to the media yet.

Mo Mo just doesn't know how long he can hide it from the media, or if he doesn't reveal it, maybe he knows that he made the money and his personal reputation will increase. Of course, this is just his thoughts, and exposure will definitely do more harm than good.

Before Mo Mo returned to his hometown, he also asked his parents to take the 40 unmortgaged houses and take loans from other banks, and how much they could borrow.

There are only ten days before the Spring Festival, but Mo Mo's parents want to rent out the house as soon as possible, even if there are not many outsiders in the imperial capital before the holiday.

Mo Mo has been busy for a month, and he also wants to rest for a day or two, return to Gao Chao's hometown in the evening, and go to the other world to play that night.