Chapter 206 Loan Problems

After returning from the house, Li Youran went online to learn about the relevant market in many aspects. This is also for the sake of prudence, after all, it is a huge expense.

After inquiry, it was confirmed that the owner's offer was not too high, and that properties of this grade were very rare. Due to the large area and the suspicion of luxury and waste, the government no longer approves such construction projects, which are typical out-of-print goods.

Many real estate investment consultants have commented that today's single-family villas have great potential for appreciation in the future, but Li Youran does not attach much importance to this, after all, he is only self-occupied, and he is not speculating in real estate. It doesn't matter if it appreciates or not, as long as you live comfortably.

He made the final decision that he had to buy this house and solve the housing problem in one step, and he would not bother to toss it again in the future.

The next step in front of us is the specific issue of funds for the purchase of houses.

The total price of 10.5 million, I only have more than 5 million on hand, so the direct gap is 5.5 million, not only that, the current real estate transaction taxes and fees are very heavy, originally not light, in recent years, under the banner of regulating the property market and layer by layer, both a good reputation and benefits, it is said that there are many people who support, the means are really clever.

These numerous and chaotic taxes and fees add up, and it is estimated that the shortfall will be more than 6 million, and it is obviously impossible to find someone to borrow such a large amount, so the only way is to apply for a loan from a bank.

He browsed the relevant policies and regulations again, he belonged to a houseless household, and he bought the first self-occupied house, which should be eligible.

However, there are different policies in various places, so let's ask the fat man, he is a public family, and he should be clearer.

Thinking of this, he picked up the mobile phone on the desktop and dialed Luo Fatzi's number.

On the phone, he first told the other party about his plan to buy a house, and then asked about the loan.

"Damn, Ranzi, you kid is too extravagant, more than 10 million real estate, tsk, outright bourgeoisie, corrupt and degenerate." When Luo Fatzi heard this number, he was quite shocked, and then he was envious.

"Go, what is this, the people who do business have a sea of money. Don't talk nonsense, ask you about the loan. Li leisurely urged.

"It's really more popular than people. The 90-square-meter dwelling I have here is still very beautiful, and you have dealt such a heavy blow to my fragile heart. Hey, I'll ask you. ”

Luo Fatzi muttered another sentence, and then said that he had to ask others to find out, Li Youran asked him to hurry up, and he was in a hurry to wait for accurate news.

It wasn't until noon that Luo Fatzi called, saying that he had asked someone, this matter may be a bit troublesome, the current national policy strictly controls real estate, the bank loan threshold has been raised, and the review is much stricter than in the past.

If it is an individual's first ordinary residence, it is better to say that, like this kind of villa high-end residence, the bank approval is more stringent, and there are higher requirements for the customer's repayment ability, monthly income and personal tax for a year, etc., and an investigation must be conducted.

Even if the application is approved, the loan interest rate will not be discounted, and it may be higher than the bank's benchmark interest rate.

The most troublesome point is that Li Youran wants to buy a second-hand villa, in this case, the bank has to entrust a professional appraisal agency to evaluate the price of the property, generally speaking, the appraisal price is often much lower than the actual market price, and can only issue a loan at 50% of the appraisal price.

After ending the call, Li leisurely frowned and paced back and forth in the room.

His current identity belongs to individual industrial and commercial households, and his main industry is the bun shop, and the agricultural product company is now just an empty shell. …,

Typical people with unstable incomes and high risks, because in the eyes of many people, it is easy to close down due to poor management of the store and engage in business, which is actually the case. If it is strictly reviewed, it is estimated that it will be very difficult to pass.

Even if it passes, at half of the appraisal price, the gap will definitely not be small.

It seems that you can't apply directly, and you have to find someone to entrust you.

I don't really want to engage in this set of things in my heart, but this is the national situation, the policy thing, in the hands of some people, it can be round, long or flat, and there is a lot of room for maneuver.

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In the evening, on the east side of the first floor of the south store of the bun shop, Li Fangcheng was playing the game console in his room, which was bought by Huzi a few days ago, what is it called xbox360, connected to the TV, lying on the bed and operating with a wireless handle, and with vibration, it is very powerful. The graphics are not much worse than the arcade machines, and the content is also rich, with everything from racing, gunfights, and fights, and I bought a bunch of discs.

The two of them played with this, and felt that the days of locking were no longer so uncomfortable.

Huzi will also go to school next week, and a new training class will start soon. However, during this time, when he was working in the aquarium shop, as long as no customers came to the door, Huzi would study Li Fangcheng's old textbooks, and ask him if he didn't understand anything. So Huzi no longer has any psychological pressure now.

Li Fangcheng was having a good time, the door was pushed open, and Huzi came in with two plastic bags in his hands.

"Close the door quickly, or the air conditioner will run out." Li Fangcheng hurriedly said, he turned on the air conditioner.

"Yes, yes, hey, take a break, eat some shaved ice." Huzi brought the door with his feet, took out a paper cup from the plastic bag, and handed it to Li Fangcheng.

Li Fangcheng pressed the pause button on the handle, took the shaved ice cup, put the straw in his mouth, and took a sip.

"Cool enough," he complimented, and then asked:

"You bought a shaved ice, why did you go out for so long?"

"I'm going to find Brother Niu." Huzi said, sat down on the edge of the bed, took out another cup of shaved ice, and sucked it up.

"What are you looking for him?"

"Hehe, he gave me a bottle of good things, I'm sure you haven't seen it." Huzi's face showed a hint of mystery.

When Li Fangcheng heard this, he hurriedly asked, and Huzi took out a tube of something like an insecticide from the bag.

"What's this, mosquito sprayers?" Li Fangcheng was a little puzzled.

"What spray mosquitoes, this is spraying people. The next time I meet those yellow-haired and green-haired ones, I'll use this to greet them and make them happy. Damn, last time there were so many of them, I broke my nose. Huzi said indignantly.

A while ago, I heard that the logistics department bought some of these things, which are said to be used for security work, and the vegetable base is also equipped with them. He has been itching since he knew, just now he went to Brother Niu to grind for a long time, and then gave a can, and said that he was not allowed to use it indiscriminately, otherwise he would not be spared.

With a smug look on his face, Huzi began to explain in detail to Fang Cheng the purpose and use of this modern self-defense tool.

*J@a