Before his parents came to BJ City, Wang Qinian also bought a second-hand villa with a construction area of 378 square meters, which is an independent two-story building with a garage and basement.

Therefore, when my parents moved to BJ City, they had a place to settle down.

Of course, this house is newly bought, and Wang Qinian himself has not lived in it. In addition, he knows that buying a house during this period and buying it with his eyes closed will not suffer a loss.

Although he bought a house, due to the distance from the school and the company, for the sake of convenience, Wang Qinian still lives in the school dormitory.

When I go out to work and film, I live in a hotel.

Of course, if he has time, Wang Qinian will often go home to see.

After all, the new home has settled in BJ City, and if you drive, it is only a little more than ten minutes by car, and you can go home.

And this suite is not a new house, but a second-hand house, but the age of the house is only more than three years, which is not much different from a new house. Due to the homeowner's immigration overseas, it was sold at a price of 38o yuan, which included furniture and a BMW car worth 2o yuan. In addition, because the person who moved was a university professor, there was no collection of books that were moved away at home, and there were more than 5,000 books, many of which still made Wang Qinian feel that it was beneficial to open the book.

"This house is good, how much did you buy it?" Mom asked.

"Hehe, not much!" Wang Qinian smiled.

"It's not a lot of money, it's a lot of money, it can't be someone else's gift?" Dad laughed.

"Bought it! School district housing in BJ City, who will send it?! Wang Qinian smiled and said, "I will pay some of the money myself." I borrowed some from the bank. The mortgage loan is repaid more than 17,000 yuan every month, and it will take 15 years to repay! ”

"So expensive? Can I get a refund? My mother took out a calculator and knew that she would have to repay more than 3oo yuan in the bank in 15 years, and she couldn't help but worry a little about Wang Qinian.

"I can't return it, I signed a contract. The homeowner has emigrated, and the creditor is the bank. If you want to return, the bank will send someone to seize the house, I have already paid a large amount of money, and the loss is even greater! Wang Qinian said.

"What is the retreat? How can you buy a house and return it casually. You think you're buying a dress at the store! "Dad is on Wang Qinian's side." Even if it's a store return, it's a bunch of trouble, not to mention, buying a house is a series of contracts signed! ”

Generally. In Wang Qinian's opinion. It's a great deal.

Located in the school district. A single villa, in a few years, such a house definitely belongs to the category of luxury houses. It may rise to more than 100,000 yuan per square meter.

Of course, Wang Qinian is not poor, but most of his money is shares of a small partner company, and he has not considered selling the company's assets. And the deposit in his own private account is more than 2 million. Usually consume, naturally feel that it is inexhaustible. But when it comes to buying a house, I still feel very difficult.

Therefore, Wang Qinian chose a mortgage loan, he paid 1.85 million yuan, and the rest was to find a bank mortgage loan. The loan of 2oo yuan will be repaid in 15 years, with a monthly payment of about 17,000 yuan. A total of 3oo yuan should be repaid, of which 1oo0,000 yuan of interest money.

It seems that Wang Qinian has repaid a lot of loans, but in fact, mortgage loans are already much more favorable than commercial loans. Usually, the annual interest rate of commercial loans is at least 7%~8%. Private lending is also usury, there is no interest rate of more than 2o% for a year, who cares about you!

I can borrow money at an interest rate of about 6% per year, except for some large enterprises with high creditworthiness. There are only ordinary people's mortgage loans.

To put it simply, the person who only complains thinks that the mortgage loan is exploited by the bank.

And in fact, the mortgage loan is to give him money!

Why?

During the period of soaring housing prices, housing prices may rise by more than 1o% every year, and there may be a sharp increase of five or six percent in a year, or even a double in one year.

After it rises, it is difficult to fall.

And house prices have risen, but the interest rate of banks has remained unchanged. People who buy a house to increase their value only think that they have a good vision, but they will give a little more interest to the bank?

"It's such a waste when you get to BJ City!" My mother still complained a little, "For such a big house, I have to borrow from the bank, and I have to pay interest, so wouldn't it be good to buy a smaller one?" There are almost tens of thousands of yuan per square meter, and the commercial housing in TJ City is only about 15oo per square meter. ”

"Don't listen to you, she has a long head and short wisdom!" "I've studied the patterns in every country around the world. In the United States, Europe, Hong Kong, and Japan, during the period of industrialization and urbanization, housing prices almost only rose but did not fall. Even if it falls for a short time, it will rise to new highs with a vengeance. Especially in all countries, with the rise of the economy, the rise in housing prices is inevitable! I think it has to go up five or six times. ”

"Dad, foresight!" Wang Qinian said with a thumbs up.

Wang Qinian is because of his rebirth, so he is confident that China's housing prices will rise in the next ten years.

However, Dad came to the conclusion that housing prices would rise several times based on simple economic common sense and analysis. It can only be said that Dad's sensitivity to price and value has passed many people in this era.

People who can recognize that buying a house is a good investment and can form this opinion. Assuming that there is a conditional way to raise funds and expand financial leverage, the benefits are very terrifying.

For example, if the house price rises by 25% every year, if you find a bank mortgage, the annual interest will only be about 6.1%. If you make reasonable use of this spread, you will continue to finance the purchase of a house. As long as you are bold and have the ability to borrow how much money, your future wealth will definitely become astronomical.

In fact, not only hoarding real estate to make money, even borrowing money to buy and rent out a house may be a loss at first. But as house prices went up, so did rents, and after five or six years, the rent covered the mortgage. It can be said that the mortgage has not yet been paid, and it has already begun to be able to collect rents and make profits.

Wang Qinian based on a 25 percent annual increase in house prices and a 15 percent annual increase in rents, while the interest rate on mortgage loans remained unchanged. The result was a snowball business model, which was given to my father's reference.

After hearing this, my father's eyes lit up and said, "This model can be used as a reference!" In the future, if you have the conditions, you can try to buy some shops with a mortgage and take them out to rent! ”

Wang Qinian said in his heart that if Dad can play with this model, coupled with the expansion of physical stores, Xiao Wang's subsidiary may become a commercial real estate in the future, not inferior to Wanda!

Because the core of this business model is the "gamble", betting that China's real estate industry will only rise and not fall in the next ten years. If you go in this right direction, the profits will naturally be very terrifying. (To be continued!)

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