On the way back, Gong Hao couldn't help but ask: "Boss, you spent another 170 million today, so do we still buy villas and courtyards?" ”

"Buy it. Why not buy it? Sun Fan asked rhetorically.

"Boss, you only have 100 million left. Next, you still need to buy a shop, will this money not be enough? Gong Hao said.

Sun Fan smiled slightly and said, "Gong Hao, do you know anyone from the bank in BJ?" ”

Gong Hao nodded and said, "Yes." ”

"I'm going to get a loan, you can help me introduce me." Sun Fan said with a smile.

"Repay the loan?" Gong Hao couldn't help but say, "Boss, do you really want to mortgage the sailor." ”

"Won't you be able to get the SKP title deed in three days?" Sun Fan said lightly.

“SKP？ Boss, you have to mortgage the store you just bought," Gong Hao said a little speechlessly.

Sun Fan nodded.

"Boss, wouldn't this be too risky?" Gong Hao couldn't help but ask.

"No, I have collateral, as long as the value of the collateral is there, there is no risk. As for repayment, don't worry, these properties can be rented out, but it's really not good, isn't there still a sailor fashion? Sun Fan smiled. In fact, Sun Fan never thought about using Fanke's fashion money at all, but in order to reassure Gong Hao, Sun Fan had to tell him like this. After all, I can't tell him that these properties can at least increase by 5-10 times in the future, and then I only need to sell 20% to pay off the loan.

"Boss, if you buy the villa and the courtyard house next, do you still plan to mortgage it?" Gong Hao asked.

Sun Fan nodded and said, "Yes." ”

"Boss, according to your model of buying a house, doesn't that mean that you can buy up to 2.7 billion yuan of real estate with the 270 million yuan in cash you have now." Gong Hao said with some surprise.

Sun Fan smiled and said, "Theoretically, that's the case. ”

Gong Hao, Wu Pei and Wan Jia all opened their eyes in some shock, although Gong Hao had already guessed, he couldn't help but be surprised when he heard Sun Fan admit it.

"Boss, wouldn't it be too risky for you to do this? As long as the house price falls by 10%, it means that your principal has all fallen, and the value of the property itself is lower than the loan amount, and the bank will definitely call for the loan. That's the same as a liquidation in the financial market! Gong Hao said with some concern.

Sun Fan smiled slightly: "I am optimistic about China's real estate market, and I believe that as long as you choose the right location, the value of the property will not fall." I also have to rely on your real estate investment team for this. ”

"And risk also means gain, like you said that as long as the real estate market falls by 10%, I will blow up, but if it rises by 10%, it means that I will make 100% profit." Sun Fan's eyes lit up a little and continued.

"Boss, do you really have confidence?" Gong Hao asked.

Sun Fan couldn't help but pat Gong Hao and said, "Nonsense, if I don't have confidence, what am I going to do?" ”

Gong Hao couldn't help but roll his eyes, and silently calculated in his heart: "Boss, for a loan of 2.7 billion yuan, even if the final loan interest rate is lower, the annual interest rate is estimated to be at least 3.9%, and the annual interest alone will be more than 100 million." No, if you add the 720 million loan of the current Fan Ke Building, it will be a total of 3.42 billion, with an annual interest of more than 130 million. ”

As Gong Hao said the interest of 130 million per year, several people gasped again. Sun Fan was also a little abrupt when he heard this, and couldn't help but ask Gong Hao: "I don't have to worry about the rent of the Fan Ke Building, Yuehe Street and the SKP shop I just bought, just like the annual rent of SKP per square meter will reach more than 3,000 yuan, calculated at 35,000 yuan per square meter, the annual rate of return can basically reach 10%, and the annual rental rate of Fan Ke Building and Yuehe Street will not be low, so I don't have to worry about the loan interest of these properties at all, and I can earn some more after the rent is paid off the loan." But I don't know if those courtyard houses and villas can be rented out, and I wonder what their rental returns are? ”

Gong Hao thought for a while and said: "I know a friend, and now the courtyard house he lives in is rented, with an area of about 460 square meters, and now the monthly rent should be about 90,000 yuan." ”

Sun Fan silently calculated, 90,000 per month, almost 1.08 million a year. A 460-square-meter house, when he is 60,000 yuan per square meter, is a total of 27.6 million. In this way, the annual rate of return can reach 3.9%, which is just enough to repay the interest. Sun Fan sighed, the rent of high-end housing is indeed a little low now. But he also knows that with the rise in housing prices and the increase in the country's wealthy, the rents of these houses will definitely go up eventually.

Sun Fan sighed and said: "According to this rent, it can be used to offset the interest, but in this way, I can rest assured, at least the rent of the house is enough to pay the interest." ”

Gong Hao was still a little worried: "Boss, I know that the loan term you are applying for now is 5 years, what should I do if I repay the loan after 5 years?" ”

Sun Fan smiled a little mysteriously: "5 years?" Five years later, it's 2012, and I'm sure that by then, these properties in my name will sell for a price that I'm happy with. At that time, if you want to repay the loan, it should be okay to sell some of the property. Sun Fan knows very well that the next five years can be said to be the five years in which China's real estate prices will rise the fastest. Not to mention that Sun Fan wants to buy some relatively central houses, in the next 5 years, the value of this part of the property is the first to rise, and it can definitely rise to sky-high prices in the future, as for the properties in the outer ring, it will not rise rapidly until at least after 2010.

Gong Hao nodded and shook his head again, he still felt that Sun Fan's gambling was a little too big.

Sun Fan shook his head and stopped talking about this topic. Then he said to Gong Hao: "In addition to Wanda, the shops in several other places only need to be rented, and I will contact Mr. An today and ask her to send someone to sign a contract with the mall tomorrow." As for Wanda, you can help me contact me today, and if we can, we will buy a shop tomorrow. ”

"In this way, the shops in the imperial capital are almost enough, and your next job is to concentrate on helping me find a courtyard house that I am willing to sell. As for the SH side, I will rush over to the shop tomorrow and try to get the SH shop within three days. Then SH's team also started looking for celebrity culture villas in full swing. Sun Fan continued.

Gong Hao nodded, although he was talking about Sun Fan, but in fact, he himself was also very optimistic about the real estate market. After all, his family background is extraordinary, and he knows that China's real estate will definitely rise in the future. But even so, he didn't dare to play like Sun Fan.

Nodding Gong Hao said, "Okay, then I'll get the matter of the shop as soon as possible." As for the courtyard, you don't have to worry, boss, I'm sure I'll get you first-hand information. ”