Chapter 28 The Huge Funding Gap
After Chen Gong left Shangdu Garden, he did not rush back to school, but walked around the community of Funan River.
For the environment by the Funan River, through the cultivation of these days, Chen Gong is relatively understanding, since he wants his grandfather to come and live together, he must find good air and a good environment.
Although Rongcheng is located in the Rongcheng Plain, there are few mountains, but it is not completely nothing, there is just such a not high Woniu Mountain by the Funan River, there is just a Woniu Villa by the mountain and water, whether it is a walk or climbing exercise, it is very convenient, and more importantly, this is a relatively new real estate, there should be a lot of decoration, buy a second-hand house that can live.
When it comes to buying a house, Chen Gong is not good at it, and he has never understood the situation in this regard before, but in recent years, housing prices have fallen year by year, but they have risen year by year, so he decided to find an agent to understand the situation first.
The property market in Rongcheng is still relatively hot, after all, it is a well-known livable city in the country, with this spring breeze, many well-known real estate agency companies have emerged, Chen Gong picked one of them at random and walked in.
As soon as I entered the door, there was a young and beautiful girl in charge of reception. Now that the summer vacation has just begun, a considerable number of college graduates in Rongcheng want to find jobs in Rongcheng, so the rental business has been quite hot recently, so girls think that he is here to rent a house when they see Chen Gong's age and dress.
"Hello, do you want to rent a house? We happen to have a number of houses with reasonable prices and convenient transportation to rent, and there are even many low-cost share houses to consider. The girl introduced enthusiastically and skillfully.
Chen Gong shook his head with a smile and said, "No, I want to buy a house." ”
The girl was surprised at first, but soon continued her work with greater enthusiasm.
The girl's name is Xiang Jie, she just came to work in this intermediary company this year, and she is younger than Chen Gong, so she is called Xiao Xiang directly.
After some conversation, Xiang Jie quickly understood Chen Gong's needs, and was surprised and excited at the same time, because she had met a big customer.
"Mr. Chen, there is a family in the Woniu Villa you mentioned, because the whole family is preparing to immigrate abroad and is anxious to dispose of the domestic real estate, so the price is relatively affordable, but the house area is relatively large, and the total price is not low. Xiang Jie pointed to a customer profile and recommended it to Chen Gong with a smile.
Chen Gong took it and took a look, this is a typical duplex imitation villa-type real estate, with an area of one hundred and fifty square meters, the top floor of the duplex, with a terrace, because the decoration has been completed, so plus the garage and household appliances, it takes about two million, this price is definitely not low compared to the current house price of 10,000 yuan per square meter in Rongcheng.
But this price is still within Chen Gong's affordability, if the cash is not enough, you can also take out a loan, as long as you find a suitable guarantor. And Chen Gong is also very satisfied with this house, the terrace allows the elderly to plant flowers and plants, and they can climb the mountain to exercise in their spare time, or go for a walk by the Funan River.
"Can I go and see the house now?" Chen Gong decided to see the actual situation of the house, and decided to settle the matter.
Xiang Jie originally just picked out a suite according to Chen Gong's requirements, although she thought it was quite suitable, but the price of two million was not something ordinary people could afford, so when she heard Chen Gong's words, her heart jumped suddenly, she didn't expect the young man in front of her to be so rich.
"It's the weekend, so I thought there should be no problem, so I'll get in touch first. Xiang Jie said.
After contacting the landlord with Xiang Jie, he took out a written contract, which was to ensure that Chen Gong would not conduct private transactions after meeting the landlord, and to ensure that the intermediary fees received by the company.
After arriving at the scene and seeing it, Chen Gong was even more satisfied. This is a small high-rise top floor in Woniu Villa, beautifully decorated, downstairs two bedrooms, two living rooms, one kitchen and one bathroom, upstairs two bedrooms and one bathroom, the master bedroom is upstairs, the second bedroom is downstairs, and one is a study, of course, there are guests can also be used as a guest room.
Upstairs, in addition to the master bedroom, there is actually a baby room, apparently the landlord is a thoughtful person. Downstairs, there are two balconies in the north and south, and there is a bay window in the second bedroom.
As for the upstairs terrace, there are more than ten square meters, with a wide view, and it is quite good to plant flowers and grass.
The landlord's surname is Xiao, called Xiao Jun, is a typical successful person in his thirties, after working hard in China for a period of time, his main energy is now to develop abroad.
Although it seemed unlikely that a shrewd businessman like Xiao Jun would reduce the price, Chen Gong still tried to say: "If Mr. Xiao is willing to sell for 1.8 million, I will buy it." ”
Xiao Jun was also very simple, just repaid the price with Chen Gong a little, and then pondered for a while, and then agreed to Chen Gong's price, but said that it would take him almost a month to vacate this place.
"It's not easy for Mr. Chen to be able to afford such a big house at such a young age. When I was your age, I was an employee of a foreign-owned company, living on a small salary and a bonus. I don't know what Mr. Chen's career is?"
"I'm still studying, and I'm a graduate student at Rongcheng University. Chen Gongdao.
Xiao Jun was a little surprised at this time, but after thinking about it, there are many rich young people in the family now, if the young man in front of him is really a rich second generation, the shop in his hand can be considered to change hands together.
Thinking of this, Xiao Jun said to Chen Gong: "I don't know if Mr. Chen is interested in investing in shops, I still have a forty-square-meter shop on Xichun Road ready to sell." ”
Chen Gong was stunned when he heard this, he already had to find a way to take out a loan to buy this suite, and then he went to get a shop, and he was afraid that the funding gap would be a little big. But as a modern young man, well aware of the importance of investment, the appreciation space for buying housing is now not large, but buying shops is different, after all, the commercial development of Rongcheng is becoming more and more prosperous, and Xichun Road is the landmark commercial street of Rongcheng, where the appreciation of shops is very large.
"How much rent can a shop like yours receive in a year?" asked Chen Gong.
"Last year, we collected almost 120,000 yuan, and now Xichun Road is a famous commercial street, and the rent will definitely rise in the future. Actually, I wanted to slow down and make a move, but my company in a foreign country currently needs a cash turnover, and Mr. Chen is a relatively simple person, so I decided to sell it in advance. Xiao Jun didn't hide it, and told Chen Gong the truth directly.
As for the price, Xiao Jun proposed that he needed 1.2 million, and if he added the gap in buying a house, Chen Gong would need a loan of 2 million, which seemed somewhat unlikely.
Because Xiang Jie told Chen Gong that if the mortgage was 2 million and paid in 30 years, he would have to pay more than 10,000 yuan per month, which made Chen Gong's idea of using the rent of the shop to repay the mortgage in vain.
After all, if you take your grandfather over, and your sister will also live in Rongcheng in the future, the family expenses for a month will not be a small amount.
But Chen Gong did not refuse, Xiao Jun's shop gave him the idea of finding a long-term stable way to make money, and Xiao Jun's shop happened to be a breakthrough.
So Chen Gong offered to take a look at this shop. On the way there, Chen Gong learned that Xiao Jun's shop had always been run by his mother, and he had not rented it out to others before, but opened his own clothing store.
At the beginning, Mrs. Xiao was an agent for other brands of clothing, but the relatively high agency fees made Mrs. Xiao, who is very economically minded, think of another way, that is, to register a trademark by herself, design some clothes in her spare time, and then let the small clothing factory to process it, and make a unique store on Xichun Road, which is much more profitable than before.
After arriving at the shop, Chen Gong took a look and felt that the location was good and had a lot of investment value, no wonder Xiao Jun wanted to sell it after a while. It's just that when it comes to the price this time, Xiao Jun refuses to give in half a step no matter what.
"Mr. Chen, I can't give you the price of this shop anymore, but I can transfer my mother's registered Xuanfei clothing brand and inventory worth about 50,000 yuan to you for free. As a businessman, Xiao Jun naturally knows the skills of negotiation, and seeing that the two sides are deadlocked on price, he put forward a compromise proposal.
Chen Gong still has to worry about how he can borrow two million funds, so he is not too anxious to make a decision, if he can't borrow money, it is useless to say anything. The two sides did not talk for the time being, so Xiao Jun didn't say anything more, but just asked Chen Gong to decide as soon as possible, after all, he would soon rush abroad.
Chen Gong considered that he needed time to raise funds, after all, he did not even have enough money for the house in Woniu Villa, so he asked Xiao Jun to sign a deal contract next Tuesday.
However, after saying goodbye to Xiao Jun, Xiang Jie told Chen Gong that her boss, the department manager of the agency in charge of selling houses, wanted to meet Chen Gong.
Chen Gong felt a little strange in his heart, what did the manager of the intermediary company want to see him? When he asked Xiang Jie, he did not get a clear answer, but only said that the manager would meet the customers who had recently bought houses through their company's intermediary.
Seeing that the time was still early, Chen Gong and Xiang Jie came to the separate reception room of the intermediary company.
There were already people sitting there waiting in the reception room, Chen Gong looked at it, it was a short and fat middle-aged man in his forties, wearing the uniform clothes of this intermediary company, and looked at the identity card hanging on his chest, which said Dong Yao, the manager of the business department, and it was this person who made an appointment with him.
Sure enough, when Dong Yao saw Chen Gong coming in, he signaled to Jie to close the door and go out, and then walked up with a professional smile on his face, and introduced himself: "Mr. Chen is really young and promising, he is going to buy a house and a shop at such a young age." I am Dong Yao, the company's business manager. ”
"I don't know what Manager Dong is doing when he comes to me. Chen Gong asked quietly.
"That's right, today I heard from Xiao Xiang that Mr. Chen talked about a big business, and the funds involved were almost 3 million, which is not a small amount. Dong Yao didn't go around the bush and said directly, "Although Mr. Chen may not have financial troubles, I still want to ask Mr. Chen if he has any intention of taking out a loan?"